Central Govt employees Salary Account Package
| Target Customer | Central Government permanent employees (Except all kind defense personnels) | ||||
| Salary Product Features | Group-C | Group-B | Group-A | ||
| Insurance | Cover for Account Holder Only | Personal Accident Death Insurance (Free of cost) |
₹ 75.00 Lakhs | ₹ 120.00 Lakh | ₹ 150.00 Lakh |
| Air Accident Death Insurance (Free of cost) |
₹ 75.00 Lakhs | ₹ 120.00 Lakh | ₹ 150.00 Lakh | ||
| Permanent Total Disability (Free of cost) |
₹ 75.00 Lakhs | ₹ 120.00 Lakh | ₹ 150.00 Lakh | ||
| Permanent Partial Disability (Free of cost) |
₹ 37.50 Lakhs | ₹ 60.00 Lakh | ₹ 75.00 Lakh | ||
| ADD on Covers- Girls Child Education/ Marriage, Air/ Ambulance charges, etc. (Free of cost) |
– |
· Girl Child Marriage
(18 to 25 years) – ₹ 10.00 Lakh · Child Higher Education (18 to 25 years) – ₹ 10.00 Lakh · Air Ambulance Chg – Upto Rs. 10 lakh or actual cost whichever is lower. Repatriation of Mortal remains – upto Rs. 5 Lakh or actual cost whichever is lower. |
· Girl Child Marriage
(18 to 25 years) – ₹ 15.00 Lakh · Child Higher Education (18 to 25 years) – ₹ 15.00 Lakh · Air Ambulance Chg – Upto Rs. 10 lakh or actual cost whichever is lower. Repatriation of Mortal remains – upto Rs. 5 Lakh or actual cost whichever is lower. |
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| Term Life Insurance Cover (Free of cost) |
₹ 5.00 Lakh | ₹ 10.00 Lakh | ₹ 10.00 Lakh | ||
| Term Life Insurance- Add on Cover (Cost to be borne by A/c holder) |
Optional Top-Up Cover (excluding Police/ Defence/ Paramilitary)- Cost to be borne by A/c holder – maximum coverage of ₹ 1 Cr @ Rs 335* per Lakh / per annum for age band 18 – 60 years
*conditions apply |
Optional Top-Up Cover (excluding Police/ Defence/ Paramilitary)- Cost to be borne by A/c holder – maximum coverage of ₹ 1 Cr @ Rs 335* per Lakh / per annum for age band 18 – 60 years
*conditions apply |
Optional Top-Up Cover (excluding Police/ Defence/ Paramilitary)- Cost to be borne by A/c holder – maximum coverage of ₹ 1 Cr @ Rs 335* per Lakh / per annum for age band 18 – 60 years
*conditions apply |
||
| Wellness Program/ Benefits / Annual Health Check-up |
Free Health Care Consultation facility for A/c holder & 4 family members will be provided through a Digital Health Care Platform. | Free Health Care Consultation facility for A/c holder & 4 family members will be provided through a Digital Health Care Platform. | Free Health Care Consultation facility for A/c holder & 4 family members will be provided through a Digital Health Care Platform. | ||
| Health/ Medical Insurance Cover | ₹ 2.00 Lakh (Self) | ₹ 2.00 Lakh (Self) | ₹ 2.00 Lakh (Self) | ||
| Top-Up Health/ Medical Insurance Cover
|
Optional Top-Up Cover Rs. 30.00 Lakhs with Rs. 3.00 Lakh deductible- Cost to be borne by A/c holder
1A – ₹ 999 2A – ₹ 1599 2A1C – ₹ 2079 2A2C – ₹ 2499 (conditions apply) |
Optional Top-Up Cover Rs. 30.00 Lakhs with Rs. 3.00 Lakh deductible- Cost to be borne by A/c holder
1A – ₹ 999 2A – ₹ 1599 2A1C – ₹ 2079 2A2C – ₹ 2499 (conditions apply) |
Optional Top-Up Cover Rs. 30.00 Lakhs with Rs. 3.00 Lakh deductible- Cost to be borne by A/c holder
1A – ₹ 999 2A – ₹ 1599 2A1C – ₹ 2079 2A2C – ₹ 2499 (conditions apply) |
||
| Banking | Minimum Balance | NIL | NIL | NIL | |
| Instant Overdraft Facility | OD, up to 1 month salary. | Upto ₹ 3.00 Lakh | Upto ₹ 5.00 Lakh | ||
| Sweep In -Out facility | Threshold limit Rs. 50000/- In multiple Rs. 10,000/-, at the request of the customer | Threshold limit Rs. 50000/- In multiple Rs. 10,000/-, at the request of the customer | Threshold limit Rs. 50000/- In multiple Rs. 10,000/-, at the request of the customer | ||
| IMPS/ RTGS/ UPI/ SMS Charges | NIL | NIL | NIL | ||
| Free Demand Draft | Yes | Yes | Yes | ||
| Free Cheque Facility | Yes | Yes | Yes | ||
| Concession in Locker Charges | 100% concession on locker charges on 1st year, 10% from 2nd year onward- applicable exclusively to Small and Medium-sized lockers | 100% concession on locker charges on 1st year, 15% from 2nd year onward -applicable exclusively to Small and Medium-sized lockers | 100% concession on locker charges on 1st year, 25% from 2nd year onward-applicable exclusively to Small and Medium-sized lockers | ||
| Concession in Processing & Documentation charges on Housing/ Car/ Education / Personal/ other Retail loan |
100% |
100% |
100% |
||
| Concession in Rate of Interest on Housing/ Car/ Education / Personal/ other Retail loan | · Home Loan: 0.10 % ROI Concession*
· Vehicle Loan: Card Rate · Personal Loan: 0.10 % ROI Concession* · Education Loan: 0.10 % ROI Concession. * *Subject to floor rate. *condition apply |
· Home Loan: 0.10 % ROI Concession*
· Vehicle Loan: Card Rate · Personal Loan: 0.10 % ROI Concession* · Education Loan: 0.10 % ROI Concession* *Subject to floor rate. *condition apply |
· Home Loan: 0.10 % ROI Concession*
· Vehicle Loan: Card Rate · Personal Loan: 0.10 % ROI Concession* · Education Loan: 0.10 % ROI Concession* *Subject to floor rate. *condition apply |
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| Concession in Demat AMC | Not Applicable | Not Applicable | Not Applicable | ||
| Family Banking Benefits | Zero Balance Savings Account for the Spouse & Minor Children of the A/c Holder. | Zero Balance Savings Account for the Spouse & Minor Children of the A/c Holder. | Zero Balance Savings Account for the Spouse & Minor Children of the A/c Holder. | ||
| Any Other……………. | – | – | – | ||
| Cards & Offers | Debit Card Variant | Rupay Select Debit Card | Rupay Select Debit Card | Rupay Select Debit Card | |
| Debit Card – Issuance / Annual Maintenance Charges | NIL | NIL | NIL | ||
| No. of Free ATM TXN (in a month) | ATM Transactions in Our Bank’s ATM – Unlimited free
ATM transactions in Other Bank’s ATMs : Free 5 Per Month in Non Metro Centre, 3 Per Month in Metro Centre |
ATM Transactions in Our Bank’s ATM – Unlimited free
ATM transactions in Other Bank’s ATMs : Free 5 Per Month in Non Metro Centre, 3 Per Month in Metro Centre |
ATM Transactions in Our Bank’s ATM – Unlimited free
ATM transactions in Other Bank’s ATMs : Free 5 Per Month in Non Metro Centre, 3 Per Month in Metro Centre |
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| Airport Lounge Access on Debit Card {Domestic} |
DOM Lounge access 1 per quarter | DOM Lounge access 1 per quarter | DOM Lounge access 1 per quarter | ||
| Airport Lounge Access on Debit Card {International} |
INT Lounge 2/year
|
INT Lounge 2/year
|
INT Lounge 2/year
|
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| Other Benefits on ATM
|
As per NPCI guidelines
Personal Accidental Insurance cover(Accidental Death or Permanent Total Disability) of upto Rs. 10.00 Lakhs Health check-up 4/year OTT (12 months Amazon Prime or Hotstar or Sonyliv) SPA/Saloon services 4/year Golf Club 4/year Gym access 30 days 4/year – Concierge services (Personal Assistance Anytime, Anywhere. 24/7 assistance is available in Hindi, English, Marathi, Gujarati, Punjabi and 4 south Indian languages on the toll free number- 1800-26-78729) |
As per NPCI guidelines
Personal Accidental Insurance cover(Accidental Death or Permanent Total Disability) of upto Rs. 10.00 Lakhs Health check-up 4/year OTT (12 months Amazon Prime or Hotstar or Sonyliv) SPA/Saloon services 4/year Golf Club 4/year Gym access 30 days 4/year – Concierge services (Personal Assistance Anytime, Anywhere. 24/7 assistance is available in Hindi, English, Marathi, Gujarati, Punjabi and 4 south Indian languages on the toll free number- 1800-26-78729) |
As per NPCI guidelines
Personal Accidental Insurance cover(Accidental Death or Permanent Total Disability) of upto Rs. 10.00 Lakhs Health check-up 4/year OTT (12 months Amazon Prime or Hotstar or Sonyliv) SPA/Saloon services 4/year Golf Club 4/year Gym access 30 days 4/year – Concierge services (Personal Assistance Anytime, Anywhere. 24/7 assistance is available in Hindi, English, Marathi, Gujarati, Punjabi and 4 south Indian languages on the toll free number- 1800-26-78729) |
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| Credit Card Variant | RUPAY PLATINUM | RUPAY SELECT | RUPAY SELECT | ||
| Credit Card- Issuance / Annual Maintenance Charges | Issuance Charges – NIL
AMC Charges – Rs. 250.00 |
Issuance Charges – NIL
AMC Charges – Rs. 250.00 |
Issuance Charges – NIL
AMC Charges – Rs. 250.00 |
||
| Airport Lounge Access on Credit Card {Domestic} |
Twice Per Quarter | Twice Per Quarter | Twice Per Quarter | ||
| Airport Lounge Access on Credit Card {International} |
Twice a Year | Twice a Year | Twice a Year | ||
| Features & Other Benefit
on Credit Card
|
As per NPCI guidelines.
|
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| Other ……. | NIL | ||||
