Employees of central/state Govt./PSU/ Govt.-semi Govt. Corporation/MNCs/ Corporate/ Educational Institutions/ Any other Institutions (regular as well as contractual employee)
Variants/Drawing Gross Salary per Month
Silver 25
Rs.10,000/- to Rs.25,000/-
Gold 50
Rs. 25,001/- to Rs.50,000/-
Premium 100
Rs.50,001/- to Rs.1,00,000/-
Platinum 200
Rs.1,00,001/- to Rs. 200000/-
Titanium
Rs. 200001/- & above
Features
Initial Deposit
Zero
Minimum Quarterly Average Balance
Zero
Nomination
Allowed
Sweep Facility (Optional)
1. Savings Bank accounts opened / maintained under the scheme will have Sweep-In / Out facility. 2. As per mandate given by primary account holder, sweep facility will be allowed for tenor 7 days to 365 days. The Sweep out shall be after threshold deposit of Rs. 20,000/- in salary account, in multiple of Rs 1,000/-. 3. Account holder will get the prevailing card rate of interest upon Flexi Fixed Deposit No interest shall be paid if FFD is broken before 7 days. 4. Sweep out shall be on daily basis and by default period of Flexi Fixed Deposit shall be 365 days.
Retail Internet Banking
No charges
SMS Alert
No charges
Personal Accidental Insurance (PAI) Cover
VARIANTS
PAI COVER
Silver 25
Rs. 30.00 lakhs
Gold 50
Rs. 40.00 lakhs
Premium 100
Rs. 45.00 lakhs
Platinum 200
Rs. 45.00 lakhs
Titanium
Rs. 50.00 lakhs
The above coverage is in addition to the insurance cover provided to debit card holder (Rupay Select debit card Rs. 10 Lakh and Rupay Platinum Debit Card Rs.2.00 Lakh) as per T & C from time to time.
Free Cheque Leaves (Except for Bulk Requirement–EMIs payable to other Banks/FIs/NBFC)
Silver 25
Gold 50
Premium 100
Platinum 200
Titanium
40 p.a.(Apr – Mar)
50 p.a.(Apr – Mar)
100 p.a(Apr – Mar)
Unlimited
RTGS through salary A/c- free of cost (other than business purpose)
Silver 25
Gold 50
Premium 100
Platinum 200
Titanium
2 pr. month
5 pr. month
Unlimited
NEFT through salary A/c- free of cost (other than business purpose)
Silver 25
Gold 50
Premium 100
Platinum 200
Titanium
2 pr. month
5 pr. month
Unlimited
Issue of Demand Draft routed through salary A/c- free of cost (other than business purpose)
Silver 25
Gold 50
Premium 100
Platinum 200
Titanium
2 DD pr. qt.(Max. amt. of 2 drafts- Rs.0.25 lakh)
4 DD pr. qt.(Max. amt. of 4 drafts-Rs.0.75 lakh)
Unlimited
Demat Account
Silver 25
Gold 50
Premium 100
Platinum 200
Titanium
50% discount on Annual Maintenance charge for first year only
No Charges
Issuances of Debit Card
ProductVariant
Gross monthlysalary (Rs.)
Debit CardVariant
Charges and Fees
1st year
2nd Year onwards
Silver 25
10,000 to 25,000
RuPay Platinum Debit Card
Free
AMC to be reimbursed/waived , if QAB of Rs. 15,000 is maintained
Gold 50
25,001 to 50,000
RuPay Platinum Debit Card
Free
AMC to be reimbursed/waived, if QAB of Rs. 25,000 is maintained
Premium 100
50,001 to 1,00,000
RuPay Platinum Debit Card
Free
AMC to be reimbursed/waived, if QAB of Rs. 50,000 is maintained
Platinum 200
1,00,001 to 2,00,000
RuPay Select Debit Card
Lifetime Free
Titanium
>2,00,000
RuPay Select Debit Card
Lifetime Free
If the QAB is not maintained as above, AMC Charges will be charged as per the existing guidelines for the service charges.These will be default debit card variants to salary customer, customer may opt for any other cards as well.
Documentation & Processing Charges on Housing, Car& Personal Loan(Min. 3 months regular salary credit)
Silver 25
Gold 50
Premium 100
Platinum 200
Titanium
50% Discount
100% Discount
In case higher discount on Documentation & Processing charges on Housing, Car & Personal loan is provided during bonanza, the same will be available to the customer of this scheme.
Locker Rent for the first year
Silver 25
Gold 50
Premium 100
Platinum 200
Titanium
25% discount on small locker
50% discount on small locker
75% discount on small locker
100% discount on small/medium locker
Issue of free statement in addition to pass book
Silver 25
Gold 50
Premium 100
Platinum 200
Titanium
E-Statement
E-Statement
E-Statement
No Charges
No Charges
Instant Credit of outstation cheques
Silver 25
Gold 50
Premium 100
Platinum 200
Titanium
Upto Rs. 15,000/-
Upto Rs. 25,000/-
Issuance of Free Credit Card subject to eligibility
No joining fee- Life time free credit card will be given
(Both Joining & Annual Fee – NIL)
Product Variant
Gross monthly salary (Rs.)
Credit Card Variant
Credit Card Limit
Charges and Fees
Silver 25
10,000 to 25,000
RuPay Platinum
Equal to Gross Salary
Lifetime Free
Gold 50
25,001 to 50,000
RuPay Platinum
Equal to Gross Salary
Premium 100
50,001 to 1,00,000
RuPay Millenial
1.5 times of Gross Salary
Platinum 200
1,00,001 to 2,00,000
RuPay Millenial
1.5 times of Gross Salary
Titanium
>2,00,000
RuPay Select
2 times of Gross Salary
These will be default credit card variants to salary customer, customer may opt for any other cards as well, subject to his/her eligibility
OTHER TERMS & CONDITIONS
PAI will be available to first account holder only till the account remains in the eligible salary scheme code. Thus, insurance cover will not be available in case account transferred to Saving Fund General due to non-receipt of salary in the account.
In case, salary is not credited in account for three months in a calendar quarter, the account will be transferred to Saving Fund General and all freebies will be withdrawn by system.
Insurance cover available under Debit Card will be settled separately through the concerned HO: Division as per existing guidelines.
The accounts converted to Saving Fund General can be considered for re- transferring to new salary variants subject to eligibility and on the request of the customer on case to case basis at branch level.
All other guidelines for saving accounts (other than mentioned above) as applicable from time to time will be adhered to.
The guidelines issued by the concerned Division for the facilities provided in the product be strictly adhered to and the same will be applicable as issued from time to time.
All other service charges except the relaxations given above will be levied as per Bank’s schedule of service charges as applicable from time to time.
