Features of the scheme:

Eligibility Regular Employees of central/state Govt./PSU/ Govt-semi Govt Corporation/MNCs/ Reputed Institutions /Reputed Corporate/Reputed Educational Institutions. However, the accounts of employees on contract basis will not be eligible under these variants.
Variants/Drawing Gross Salary per Month/Scheme Code  
Silver Rs.10,000 & above upto Rs.25,000/-
Gold Rs. 25,001 & above upto Rs.75,000/-
Premium Rs.75,001 & above upto Rs.150000/-
Platinum Rs.1,50,001 and above
Initial Deposit Zero
Minimum Quarterly Average Balance Zero
Nomination Allowed
Overdraft Facility ·         Primary account holder of the scheme may avail overdraft up to a sum representing last two months’ NET Salary(salary credited in account) @ Rate of Interest of ‘RLLR + 3.70% per annum.   ·         OD limit will be sanctioned manually by taking physical application form and loan agreement and will be fixed as per eligibility.   ·         OD is to be adjusted in six months and fresh OD limit will be allowed only after adjustment of the previous one.   ·         In aforesaid cases, an undertaking will be obtained from the employer that the salary account of the customer will not be changed/ transferred to other Banks during the currency of the loan.   ·         The maximum amount of OD is as follows:-  
SILVER Rs. 50000/-
GOLD Rs. 150000/-
PREMIUM Rs. 225000/-
PLATINUM Rs. 300000/-
Sweep Facility ·         Savings Bank accounts opened / maintained under the scheme will have Sweep-In / Out facility.   ·         On authorization by primary account holder, it will automatically get initiated after ensuring an initial threshold amount of Rs 20,000/- in salary account, subject to a minimum Sweep-in / out of Rs 1,000/- and in multiples of Rs 1,000/- thereafter.   ·         TDRs/STDRs created through Sweep facility will be issued for a period of 7 to 365 days.   ·         Account holder will get the prevailing Fixed Deposit card interest rates for single Term Deposit on the amount Swept-In/ Out in the account provided it had remained under FD for a minimum period of 7 days.   ·         Frequency of sweep will be as per extant guidelines of the Bank.
Personal Accidental Insurance Cover  
SILVER Rs. 20 lakhs
GOLD Rs. 20 lakhs
PREMIUM Rs. 20 lakhs
PLATINUM Rs. 20 lakhs
  Bank will take insurance cover of Rs.18.00 lakh for all variants, from Insurance Co., provided salary is being credited in the account for two consecutive months in calendar quarter.   Remaining amount of insurance cover will be provided for use of debit card as per extant guidelines issued from time to time by HO: DBD.
Free Cheque Leaves (Except for Bulk Requirement–EMIs payable to other Banks/FIs/NBFC)
Silver Gold Premium Platinum
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 Gold Premium Platinum
2 pr.month 5 pr.month Unlimited Unlimited
NEFT through salary A/c- free of cost (other than business purpose)
Silver Gold Premium Platinum
2 pr.month 5 pr.month Unlimited Unlimited
Issue of Demand Draft routed through salary A/c- free of cost (other than business purpose)  
Silver Gold Premium Platinum
2 DD pr qt. (Max amt of 2 drafts- Rs.25000) 4 DD pr qt (Max amt of 4 drafts-upto Rs.0.75 lakh) Unlimited  
Demat Account
Silver Gold Premium Platinum
50% discount on AMC for first year only No Charges  
Issuances of all types of Certificates No Charges
Issuances of Debit Card
Silver Gold Premium Platinum
RuPay Classic/Platinum Card & Applicable Charges   RuPay Platinum Card No Charges  
Annual Maintenance Charge
**Documentation & Processing Charges on Housing, Car& Personal Loan(Min. 3 months regular salary credit)
Silver Gold Premium Platinum
50% Discount 100% Discount
Locker Rent for the first year
Silver Gold Premium Platinum
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 Gold Premium Platinum
E-Statement E-Statement E-Statement No Charges
Retail Internet Banking No charges
SMS Alert No charges
Instant Credit of outstation cheques
Silver Gold Premium Platinum
Upto Rs. 15000/- Upto Rs. 25000/-
Issuance of Free Credit Card subject to eligibility. (However AMC Charges is to be recovered) No charges
Domestic ATM - cash withdrawal per day
Silver Gold Premium Platinum
RuPay Classic Card – Rs.25,000/- RuPay Platinum Card – Rs. 50,000/- Rs. 50,000/- (Applicable to RuPay Platinum Card)
Domestic Shopping Limit POS per day
Silver Gold Premium Platinum
RuPay Classic Card – Rs.60,000/- RuPay Platinum Card – Rs. 1.25 lakhs Rs.1.25 lakh (Applicable to RuPay Platinum Card)


  • 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 for continuous 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.
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