PNB Rakshak Plus Scheme
Zero balance Salary/ Pension account for serving & non- serving Defence Personnel
Eligibility: The eligibility to open account under PNB Rakshak Plus Scheme is reiterated as under:
- Defence Personnel are eligible to open salary account under the scheme i.e. all three wings of Defence.
- PNB Rakshak Plus Scheme also includes BSF, CRPF, CISF, ITBP, State Police Force, Metro Police (Cities which follows Police Commissionerate System- like Delhi Police, Mumbai Police, Kolkata Police etc.), Research and Analysis Wing (RAW), Intelligence Bureau (IB), Central Bureau of Investigation (CBI), Indian Coast Guard Personnel, Para-Military personnel, Gentlemen cadets and Special Forces at Central & State level.
- PNB Rakshak Plus Scheme will also cover salaried of Assam Rifles, Special Forces, SSB, RPF, NSG, Special Protection Group, NDRF, Firefighter, personnel including trainees
- Benefits of PNB Rakshak Plus scheme are also extended to all the pensioners (Defence/ eligible as above) who choose to draw their pensions through PNB Branches and pension is directly credited through CPPC or any other statutory or government pension disbursing body e.g. SPARSH, state treasury etc.
Features: The salient features of“PNB Rakshak Plus” are as under:
Personal Accidental Insurance under Rakshak Plus Scheme
| S.NO. | Facilities | Serving Personnel | Others | |
| 1 | Personal Accident Insurance(Death) Cover | Rs. 100 Lac | Rs. 50 Lac | |
| 2 | Personal Accident Insurance(Death) Cover through Debit Card | Rs 2 Lac/ Rs 10 Lac* | Rs 2 Lac/ Rs 10 Lac* | |
| 3 | Personal Accident Insurance(Death) Cover through Credit Card | Rs 10 Lac | Rs 10 Lac | |
| 4 | Air Accident Insurance(Death) Cover | Rs 150 Lac | Rs 100 Lac | |
| 5 | Personal Accident Permanent Total Disability(PTD) Insurance | Rs 100 Lac | Rs 50 Lac | |
| 6 | Funeral Expenses | Rs 0.30 Lac | Rs 0.10 Lac | |
| 7 | Emergency Medical Expenses | Rs 0.25 Lac | Rs 0.25 Lac | |
| 8 | Ambulance Charges | Rs 0.50 Lac | Rs 0.10 Lac | |
| 9 | Air Ambulance Charges | Rs 10 Lac | — | |
| 10 | Personal Accident Permanent Partial Disability (PPD) Insurance | Rs 100 Lac (% of Disability will be as per our GPA Schedule max 50% of the Capital sum insured) | Rs 50 Lac (% of Disability will be as per our GPA Schedule max 50% of the Capital sum insured) | |
| 11 | Additional PAI Cover on Death due to Action Against Anti – National / Terrorist/ Naxalites/ Foreign Enemy Activities | Rs 10 Lac | Rs 10 Lac | |
| 12 | Girl Child Cover- (For Marriage as an additional benefit)(18-25 yrs)(For one Girl child Only) | Rs 10 Lac (1 Girl Child-5 Lac)(Age 18 year and above)(For Two Girl Childs) | Rs 5 Lac – 1 girl child | |
| 13 | Cost of Plastic Surgery/Burns | Rs 10 Lac | Rs 10 Lac | |
| 14 | Transportation of Imported Medicine | Rs 10 Lac (Imported Medicine Cost including Cost of Transportation) | Rs 10 Lac (Imported Medicine Cost including Cost of Transportation) | |
| 15 | Death After Coma | Rs 5 Lac (more than 48 hours) | Rs 2 Lac (more than 48 hours) | |
| 16 | Education Cover for Dependent Children | Education benefits (Uniform, Stationary, Transportation and Tuition Fee) Rs 5 lac in aggregate per year for 4 years for any 2 dependent children in case of accidental death of Defence Personnel and other eligible account holders. | Education benefits (Uniform, Stationary, Transportation and Tuition Fee) Rs 5 lac in aggregate per year for 4 years for any 2 dependent children in case of accidental death of Defence Personnel and other eligible account holders. | |
| 17 | Travel expenses of two family members | Rs 0.40 Lac | Rs 0.40 Lac | |
| 18 | Body Repatriation Cost | Rs 0.50 Lac | Rs 0.40 Lac | |
* on Rupay Select Debit Card only
- Sweep Facility –
Initial threshold amount – Rs. 10000/-
Minimum Sweep In/Out – Rs. 1000/-
Multiples of – Rs. 1000/- - No ‘Cash Handling Charges’ would be levied for transaction(s) implying thereby that all branches of PNB, PAN-India, would be considered as ‘Home’ branch.
- Overdraft upto last 3 months Net Salary/ Pension amounting from Rs.75000/- to Rs.3,00,000/- lakh.
- Concession in rate of interest and service charges under Housing, Car, Education and Personal Loan Schemes.
- Education loan under “PNB Pratibha” is available for wards of a Primary Account holder who take admission in premier Institutes and the Army Educational institutions.
- Zero balance saving account to family members.
- Concession in locker rent – 25% Annual Maintenance Charges(AMC) waived off for three years from date of issue
- Unlimited free DDs / POs with a ceiling of Rs 50,000/- per free DD/ PO.
- Gorkha personnel can remit amount from his PNB a/c in India to their linked account in Everest Bank Limited (EBL) at Nepal and vice-versa, free of charge.
- Free SMS Alerts for transactions in the account and on the connected Debit / Credit card(s).
* Terms and Conditions Applied
PNB AGNI RAKSHAK FOR AGNIVEERS
Salary Saving Account to All employees of defense covered in Agnipath Scheme of GoI.
Important Features*:
- Personal accidental Insurance of Rs.50 Lakh and Air Accidental Insurance of Rs. 1 Crore
- Zero Balance salary account
- Sweep facility
- OD facility : Up to Rs 50000/-
- NO cash handling charges
- Free unlimited cheque book
- Free pass book updation for all accounts including at Non-Home Branches.
- Free fund transfer
- Unlimited free DD / PO
- 25 % Rebate for AMC of lockers for 3 years
- Free SMS alerts
- Free Debit cum ATM Card
- Credit Card Facility available
- Additional Insurance on debit card
- Zero Balance Savings Bank account to the Parents, Spouse and dependent Children of the “Agni Rakshak” primary account holder