Features of salary account of Indian Bank

ALLAHABAD BANK
Salient features of ALLBANK ADVANTAGE SALARY PREMIUM
Sl.No. Particulars Details/Remarks
1. Objective For Corporates:
i. Instant credit of Salaries of employees
ii. Easy operation/maintenance of salaries across various
centers
iii. Reduced manual intervention
For Employees:
i. Hassle free credit of salary
ii. Use of internet banking facility/ATM cards to withdraw salary
from any where
iii. Overdraft facility upto 1 month salary max. `40000/-
iv. Other value added services
2. Linked accounts 1. CA account for Corporate
2. SB product for salary package – ALLBANK ADVANTAGE
SALARY PREMIUM with inbuilt OD facility
3. Eligibility Regular Employees of Central Govt./State Govt./
PSUs/Corporations/Educational institutions/ Corporates/
Public Ltd. Cos. / Pvt. Ltd. Cos
4. Initial Deposit NIL
5. Minimum Bal. NIL
6. Overdraft facility Upto 1 month net salary max. Rs.40000/-
(as per Bank’s SB-OD scheme)
7. Interest On Credit balance/credit ac – SB rate

Sl.No. Particulars Details/Remarks
On Debit balance/debit ac – As per SB-OD product
8. Other benefits Instant Internet Banking
Instant ATM card
Free 20 Multi city cheques per annum
Free NEFT facility for remittance
Free locker rent for one year
Free statement of account
Free issuances of all certificates including int. certificate etc.
Concession of 50 % service charges applicable for other
services/facilities

HDFC BANK
1. PREMIUM SALARY ACCOUNT: A customised salary account for select corporate, backed by
priority service. Special offers and benefits such as a free zero balance account for you and
your family. This account comes with free Personal Accidental Death Cover of Rs 5 lac.
Features and Benefits
Zero Balance Savings Account
Free Personal Accidental Death Cover of Rs. 5 lakhs*
Free Titanium Debit Card with ATM cash withdrawal limit of Rs. 50,000/- per day and shopping
limit of Rs. 75,000/- per day
Free access to other bank ATMs in India – 5 free cash withdrawal and balance enquiry
transactions per month
Free payable at par chequebook – One per quarter
Free add-on International Debit Card
Free Zero Balance Salary Family Account for your family members with same benefits as your
salary account
Free Personal Accidental Death Cover of Rs. 1 lakh*
Free Titanium Debit Card with ATM cash withdrawal limit of Rs. 50,000 per day and shopping
limit of Rs. 75,000 per day
And many more benefits – as approved for main salary account
Preferential pricing on loan products*
Transfer funds online to any bank across the country through NEFT / RTGS
Anywhere banking across our extensive Branch and ATM network
Free mobile and e-mail alerts (InstaAlert facility)
Free BillPay facility
Free monthly account statements / e-mail statements / passbook
Free Demand Drafts payable at HDFC Bank branch locations
Free Phonebanking, Mobilebanking and Netbanking facilities
2. REGULAR SALARY ACCOUNT: A comprehensive salary account tailored for you; with special
offers including free Personal Accidental Death Cover of Rs. 1 lac.

Free International Debit Card with ATM cash withdrawal limit of Rs. 25,000/- per day and
shopping limit of Rs. 40,000/- per day
Free add-on International Debit Card only for first year
Anywhere Banking across our extensive Branch and ATM network
Free e-mail alerts (InstaAlert facility)
Free e-mail statements / passbook
Free Phonebanking, MobileBanking and NetBanking facilities.
3. DEFENCE SALARY ACCOUNT: You are our priority! A comprehensive salary account
designed to cater to Defence Personnel. This account comes with free Personal Accidental
Death Cover of Rs 5 lac.
Free Titanium Debit Card with ATM cash withdrawal limit of Rs.50,000/- per day and shopping
Free access to other bank ATMs in India
Free payable at par chequebook

Free Additional ATM Card for Personnel Below Office Rank (PBORs) even for single account
holders
salary account
o Free Personal Accidental Death Cover of Rs. 1 lakh*
o Free Titanium Debit Card with ATM cash withdrawal limit of Rs. 50,000 per day and shopping
o And many more benefits – as approved for main salary account
Free mobile and e-mail alerts (InstaAlerts Facility)
Free unlimited Demand Drafts payable at HDFC Bank branch locations
Free PhoneBanking, MobileBanking and NetBanking facilities
4. CLASSIC SALARY ACCOUNT: This salary account offers you a complete range of services to
meet your banking requirements. It comes with an International Debit Card and access to one of
the most advanced and secure NetBanking and MobileBanking services - all free of charge.
Free e-mail alerts (InstaAlerts Facility)

BANK OF BARODA
Baroda Salary Advantage Saving Account
Bank of Baroda now has a special salary account with added benefits. It's a saving bank
account with an in built feature of overdraft facility to the salaried persons.
Key Benefits
Overdraft facility available upto Rs 1 lac.
Earn interest on credit balance account as per saving bank a/c rules.
Free Chequebooks for routine requirement.
No minimum balance requirement in the account.
No ceiling on the amount to be deposited and credit balance in the a/c.
Terms & Conditions
This account can be availed by regular employees of state/central government, PSUs, semi
govt. organizations, state/central govt. corporations, urban development authorities, educational
institutions, universities, MNCs, reputed public ltd companies & selected private ltd companies
with minimum one year service with the organization.
 Age: Minimum - 21 years.
 Minimum take home salary - Rs5000/-
 The maximum overdraft limit - Rs. 1 lac subjected to 90% of net salary (average of last three
months).
 Third party guarantee.
 Interest on deposit as per savings Bank rules.
BANK OF INDIA
STAR POWER SALARY ACCOUNT:

 No minimum balance requirements.
 No Ledger Folio/ Transactions charges.
 Free ATM International Debit Card(Annual Charges applicable from next year )
 Free India Card (Charge Card)
 Free Internet Banking Facility.
 Unlimited Internet Banking Transactions and also at ATMs of BOI
 Free Access to non-BOI ATMs under Cash Tree.
 Free Statement of Account - Quarterly - from the Branch (No Pass Books to be delivered)
Monthly - through e-mail.
 Free Tele banking/ SMS Banking *
 Free Personalised Cheque Books (50 leaves in a year)*
 Free Demat Account (for the first year)*
 Facility for Online Trading of Shares*
 Free cheque pickups/deliveries - once a day (cheque drop boxes to be installed in the Office)
 TOD Facility - equal to previous month's net salary @ Personal Loan Rate.#
 Free Multicity Cheques *
 Free Utility Bills Payment through e-Pay Facility.
 Waiver of processing charges and/or concession in R/Interest upto 25 basis points for group
processing of Retail Loans of the employees. - ZMs to use their discretion.

CANARA BANK
Canara Super Saving Salary Account Scheme
CANARASUPER SAVINGS SALARY ACCOUNT SCHEME
Eligibility All Employers havingnumber of employees 25 and above can open their employees
account under thescheme. However, if the numbers of employees are less than 25,
opening of theaccounts is considered on case to case basis.
InitialDeposit Account can be openedwith zero balance. The initial credit could be by way of
cheque/credit ofsalary/other instruments, etc.
MinimumBalance No minimum balancerequirement.
Requirementsfor
opening Account
Salary mandate from theemployer for credit of salary into the Canara Super
Savings Salary account isrequired.
Natureof Deposit Running (Operating)Account
Rateof Interest As applicable to normalSB account. Presently 4.00% per annum.
Periodicityof Interest
payment
Interest is payablehalf-yearly, every February and August on daily balance basis
SpecialRate For
Senior Citizen
Not applicable
SpecialRate For Bulk
Deposits
Not applicable
TDS Not applicable
Loanagainst Deposit Not permitted
Facilitiesavailable 1. No minimum balance requirement
2. No ledger folio
3. Free Pass Book
4. Free Debit Card
5. Anywhere Banking
6. Free Internet & Mobile Banking (IMB)
7. Free fund transfer under IMB upto Rs. 2 lac per day for own account and Rs.50,000
for third party account

8. Free SMS alert
9. Online purchase of goods / booking tickets / making utility bills payment through
Internet and debit cards
10. Free telebanking services
11. Online trading facility under De-mat (for Joint Accounts – Trading Account in the
sole name for First holder of Depository account.)
12. Fund transfer through RTGS / NEFT at 50% concessional charge
13. Canara Mediclaim Health Insurance coverage at a competitive premium
14. Multi City Cheques facility
15. Instant Credit of outstation cheques upto Rs. 15000/- subject to fulfilling the
eligibility norms
16. No commission on 2 DDs/NEFT transactions upto Rs. 25000/- per month subject to
maintenance of prescribed balance in the previous month
17. Sweep-in sweep-out facility above Rs. 15000/-
18. Standing Instruction facility
19. Nomination facility
ChequeBook Cheque book facilityavailable.
ApplicationAnd
Documents
Application
Specimen Signature Card
Form 60 or 61 (if customer does not have PAN Card)
Photograph of depositor/s (2 copies)
Proof of address as per KYC Norms
Salary Mandate
CORPORATION BANK
Corp PayRoll - Salary SB Account
The Salary Savings Bank Account, Corp PayRoll from CorpBank is aimed at providing a “Hassle
Free" PayRoll Administration Solution for all types of organizations.
Eligibility Conditions
 Organisation should have a minimum of 25 employees

 Average Salary payout to be more than Rs 10,000 or Total Monthly Salary Payout to be more
than Rs 2.5 lakhs
Advantages to the Employer
 Reduces hassle of payroll administration
 Needs to provide salary details in prescribed file format along with one consolidated cheque
 Can even make salary payment online through the Bulk Pay facility of Internet Banking
Advantages to the Employee
 Accounts can be opened with Zero Balance
 TOD facility available in case of emergency
Special Features
 TOD facility upto 50% of net salary – for those employees whose salary is more than Rs 10000
p.m
 Free remittance be means of DD/PO upto Net Salary
Other features
 International VISA Debit Card
 Access to 1060+ CorpBank ATMs and 15000 VISA ATMs
 Any Branch Banking & Multi City Cheques
 Internet Banking
 SMS /Mobile Banking
 LIC Premium Payment through SMS / CorpBank ATMs
 Inter Bank Funds Transfer (NEFT) through Internet Banking/ATMs/SMS/Branches
 Visa Credit Card Bill Payment
 Gold Coins
 Mutual Funds
 Direct Tax Collections
 And all other facilities as applicable to Savings Bank Accounts

HDFC BANK
5. PREMIUM SALARY ACCOUNT: A customised salary account for select corporate, backed by
priority service. Special offers and benefits such as a free zero balance account for you and
your family. This account comes with free Personal Accidental Death Cover of Rs 5 lac.
Free Titanium Debit Card with ATM cash withdrawal limit of Rs. 50,000/- per day and shopping
salary account
Free Titanium Debit Card with ATM cash withdrawal limit of Rs. 50,000 per day and shopping
And many more benefits – as approved for main salary account
Anywhere banking across our extensive Branch and ATM network
Free mobile and e-mail alerts (InstaAlert facility)
Free monthly account statements / e-mail statements / passbook

Free Phonebanking, Mobilebanking and Netbanking facilities
6. REGULAR SALARY ACCOUNT: A comprehensive salary account tailored for you; with special
offers including free Personal Accidental Death Cover of Rs. 1 lac.
Free add-on International Debit Card only for first year
Free e-mail alerts (InstaAlert facility)
Free Phonebanking, MobileBanking and NetBanking facilities.

7. DEFENCE SALARY ACCOUNT: You are our priority! A comprehensive salary account
designed to cater to Defence Personnel. This account comes with free Personal Accidental
Death Cover of Rs 5 lac.
Free Titanium Debit Card with ATM cash withdrawal limit of Rs.50,000/- per day and shopping
Free access to other bank ATMs in India
Free payable at par chequebook
Free Additional ATM Card for Personnel Below Office Rank (PBORs) even for single account
holders
salary account
o Free Personal Accidental Death Cover of Rs. 1 lakh*
o Free Titanium Debit Card with ATM cash withdrawal limit of Rs. 50,000 per day and shopping
o And many more benefits – as approved for main salary account
Free mobile and e-mail alerts (InstaAlerts Facility)
Free unlimited Demand Drafts payable at HDFC Bank branch locations
8. CLASSIC SALARY ACCOUNT: This salary account offers you a complete range of services to
meet your banking requirements. It comes with an International Debit Card and access to one of
the most advanced and secure NetBanking and MobileBanking services - all free of charge.

Free e-mail alerts (InstaAlerts Facility)
HSBC BANK
Corporate Employee Programme
The Corporate Employee Programme (CEP) from HSBC is designed to empower and assist
corporate employees in meeting their banking needs. It endeavours to offer banking products
and services in a manner which addresses the customer’s varying needs effectively, efficiently
and conveniently.
Please refer to the key features structured specifically for salaried employees:
 Minimum Balance Eligibility waived for CEP accounts receiving salary
 Personalized Payable At Par cheque book
 Secured Internet Banking through Special Security Device
 Utility Bill payment facility
 Instant Welcome Packs: the cheque book , Debit card and Debit card Pin are handed over at
the time of account opening to facilitate immediate transactions

 Dedicated CEP Service Desk (Phone and Email services)
 Phone banking services
 Preferential rates on Home Loans
 Preferential rates on Personal Loans
 Multiple Credit Card offerings
ICICI SALARY ACCOUNT
ICICI Bank Salary Account is a benefit-rich payroll account for Employers and Employees.
As an organization, you can opt for our Salary Accounts to enable easy disbursements of
salaries and enjoy numerous other benefits.
Additionally, ICICI Bank offers a host of advantages for your employees like instant credit of
salaries, offers on bill payments, 24X7 Phone Banking, Free Internet Banking and much more.
Eligibility
The organisation needs to have a minimum of 20 employees and a payout of Rs 36.0 lacs per
annum and average salary per account of Rs. 15,000 per month.
Advantage to Employers
As an organisation, you can opt for our Salary Account to enable easy disbursements of
salaries and enjoy numerous other benefits mentioned below-
Zero Balance Accounts
Zero Balance Salary Account for your employees-No worries of maintaining minimum balance in
the account
Large branch and ATM Network
Large network of over 3,400 branches and 11,000 ATMs
Reduced Paperwork
Negate the requirement of cumbersome paperwork pertaining to salaries or maintenance of
records.
Savings on costs
Experience Economical Banking through your Salary Account by availing free remittance
(demand drafts, cheques, pay orders) up to Rs.25,000 on ICICI Bank network.

Special Offerings
With ICICI Bank Salary Account your employees enjoy-
A. Attractive offers on loans and credit cards
B. Free anywhere banking facility
C. Privileges of 8-8 banking and
D. Investment advisory.
Special Offers for Defence
We salute the Brave men and women who defend our nation, and hence are proud to introduce
Defence Banking Services for armed forces.
Simple Procedure
With ICICI Bank Salary Accounts, All you would require to do is to send ICICI Bank an advice
(in form of a cheque/debit instruction, ECS, etc) for the total salary amount along with the salary
details of the designated employees in a soft and hard copy format and we will credit the
respective employees' accounts as per your statement of advice.
National pension Scheme
ICICI Bank is also registered with PFRDA to offer NPS (National Pension Scheme) services
corporate customers.
The Corporate can clain tax benefits for the amount contributed towards pension of employees
under 80CCD (2).
Employee Reimbursement Account
Reimbursement account can be opened simultaneously along with the salary account. The
company can opt to disburse expenses for travel, food etc. through reimbursement accounts.
Advantages to Employees
Your employees automatically become ICICI Bank Salary Account holders with special benefits
and privileges and receive instant salary credit. The benefits include-
Zero balance Salary Account
Zero Balance Salary Account-No worries of maintaining minimum balance in the account
Welcome Kit
Just fill up a form and get your Cheque Book and Debit Card issued immediately.

My Savings Reward
Earn Reward Points under My Savings Reward by doing transactions like paying bills online,
activating internet/ mobile banking, shopping online, paying loans through EMIs, Opening a
recurring deposit or fixed deposit and many more through your Salary Bank Account.
International Debit Card
A. No annual fees on Debit Card
B. Higher cash withdrawaland spend limit per day. This limit can be reduced or increased based on
your needs
C. Zero liability protect on your Debit Card - lost card liability up to 2 lakh
D. Debit card enabled for international online purchases
N-Cash Debit Card
Get an International N-Cash Debit Card for access to numerous ATMs and more than 11,000
merchant establishments across the world.
Money Multiplier
Earn more by moving your idle money into high interest Savings Account. Combine the liquidity
of a Savings Account with the earnings of a Fixed Deposit Account. Know more.
Internet Banking
Carry out a range of transactions online with our free best in class internet banking service with
the most comprehensive suite of products and services in the industry.
Just log in with your User ID and password and experience hassle-free banking. Know more
Online Funds Transfer
No need for cash withdrawals and cheque deposits. We give your employees the facility to
transfer funds online from any part of the world.
Mobile Banking**
Transfer funds, pay bills, buy movie tickets and more on the move using your mobile phone.
Know more.
Check out the iMobile App that lets you carry your bank with you.
Public Provident Fund (PPF)

Only private sector bank to offer a PPF account, a safe investment giving attractive returns with
added advantage of tax benefit under section 80C.
National pension Scheme
ICICI Bank is also registered with PFRDA to offer NPS (National Pension Scheme) services to
individual. The Employee can clain tax benefits for the amount contributed towards pension
under section 80CCD(1) with overall limit of 1 Lakh.
Family plus account
Zero Balance savings account (Family Plus Account) for parents, spouse and children
Phone Banking**
Manage transactions easily simply by calling our Customer Care Centres, from the comfort of
your home!
Loans
Avail of a number of benefits on some of the most popular loans-
 Personal Loans*
As a special offering, our Salary Account customers would be extended personal loans.
 Home Loans*
Home Loans from ICICI Bank comes to you with attractive interest rates and personalised
service from the comfort of your home.
 Car Loans*
Car Loans from ICICI Bank come to you with instant approval, hassle-free documentation and
competitive interest rates.
 Two Wheeler Loans*
Two-Wheeler loans from ICICI Bank come to you at attractive interest rates coupled with a
flexible financing option.
 Loans Against Securities**
ICICI Bank will advance loans to Salary Account holders against securities and mutual funds
owned by them.
Investment Services
Salary Account Holders can:
 Transact in shares instantly and safely through Demat

 Invest in Government bonds, mutual funds, foreign exchange and insurance products
 Buy 24 Carat, 99.99% fine ICICI Bank Pure Gold with a unique Certificate of Authenticity
Subscription to Bank Account Statement by E Mail
Monthly account statement by Email
You will receive the account statement in the first week of every month. Monthly email
statements are absolutely free of cost.
To subscribe, login to ICICIBank.com with your internet banking UserID and Password and go
to Banking section for Account Statement by Email.
You can also contact our 24 hour Customer Care number and inform us of your choice.
Quarterly account statements in the physical form
ICICI Bank will be providing you with account statements in the physical form on a quarterly
basis. This will be provided free of cost.
Sr. No. Frequency of Account Statement Mode of receipt Amount
1 Monthly E-mail Free
2 Quarterly Physical Free
Monthly physical statement will be issued only to TASC, Titanium Privilege, Wealth, GPC and
Current Account Holders.
IDBI SALARY ACCOUNT
Best Salary Account- IDBI Bank Imperial Salary Account
IDBI Bank Imperial Salary Account is offered only to selective customers. We realize that
everyone in an organization is having special position of existence by having different monetary
and banking needs. With your fast paced life, back-to-back meetings, tight deadlines, and
mounting pressures our Imperial Salary Account has been specially designed keeping your
requirements in mind. With this account you can expect banking anywhere, anytime.

IDBI Bank Salary Account Advantage
Multi city at Par cheque books per quarter
24x7 conveniences at no charges
Internet Banking, Mobile Banking and Phone Banking
Interest concession on Home Loans, Auto Loans
Electronic Fund Transfers across all branches
Discount on locker facility subject to AQB maintained
FEATURES
The basic features of Imperial Salary Accounts that we offer are as follows
Gold Debit Card- Get a free Gold Debit card and set up direct debit for all your expenses
Insurance Cover- Personal Accident covers upto Rs. 3 Lacs and Purchase Protection upto Rs.
50,000 upto 90 days
Demand Drafts and Pay Orders- We provides concession in Demand drafts and pay orders
Hassel free banking- We have specialized representatives for our preferred customers to
execute your banking needs more easily.
Electronic Fund Transfers facility- RTGS, Card to Card transfer and Fund Transfer services
are available with it
PUNJAB NATIONAL BANK
TOTAL FREEDOM “SAVING FUND SALARY ACCOUNT”
Purpose:
To offer an attractive Saving Fund Account to Corporate Employees for enabling them to have
their Salary Credited as well as availing overdraft facility up to Rs. 50,000/- or the last salary
credited in the account whichever is lower, at our interest rates applicable to Personal Loans to
employees, it would be adjustable in bullet repayment at the time of next salary credit.
Initial Deposit and Minimum Balance Requirements:
Zero. If the salary is not credited in the salary account of the customer for the last two
consecutive months where the account is introduced by the employer, then the concerned
salary account shall be deactivated without giving any further notice to this effect and the
account be transfered to general category Saving Fund Account.

Other Facilities offered:
The following facilities are also be provided under the scheme:
Overdraft facilty upto Rs.50000/- or last Salary credited in the account whichever is lower.
Free Cheque: 40 cheques leaves free per annum.
Free Statement of Accounts;
Free issuance of all types of certificates including interest certificate and balance certificate, etc;
Free of Cost issuance of PNB Debit/ATM Card; however, annual charges shall be recoverable.
RTGS/NEFT Transaction: Free if routed through the account.
50% discount in one locker(small & medium size) at the branch convenient to customer for 1st
year only.
50% discount on D-mat account maintainance charges levied by bank for first year only.
STANDARD CHARTERED BANK
EMPLOYEE BANKING ACCOUNT
 Efficient salary disbursals
o Web upload: Transfer salaries/reimbursements directly from your Standard Chartered current
account to your employee from the comfort of your office using WebBank
o Single-instruction salary credit: Same-day salary credits for all companies who have a Standard
Chartered Corporate Account *
 Smooth onboarding
o Simple account opening procedures with minimum documentation
o Cheque book, debit card, PIN and online banking password presented immediately after you
submit your account opening form
 Wavier of minimum balance
 International debit card; free for the first year
 Unparalleled Access
o Free* cash withdrawals at any VISA ATM in the world
o Multi-city banking, phone banking, online banking, 365-day branches, extended banking hours
and doorstep banking
 Free* cash delivery and cheque drop box facility at company premises
 Free investment and insurance advisory for all employees

Eligibility
The organization must have a minimum of 30 employees and an average salary per account of
Rs. 20,000 per month
STATE BANK OF INDIA
CORPORATE SALARY PACKAGE
This package offers many concessions in service charges, interest rates on loans, etc. to
employees of Corporates and Institutions which include Schools, Colleges, Universities,
Government establishments/ organizations, Service organizations such as Hospitals, Hotels,
Transport Corporations etc. The Package can be specially customized depending upon the
business relationship that the Corporate / Institute has with the Bank.
Criteria
• Minimum 25 Employees
• Minimum Gross Monthly income Rs 5000/-
• Minimum monthly salary payout of Rs. 1,25,000/- for the employer
• Available in four variants of Silver, Gold, Diamond and Platinum depending on the monthly
income of employees
Benefits to the Employer
• Provides a convenient way to manage salaries across a large number of centers through Core
Power and the Bank's award winning Corporate Internet Banking
• Reduces employer's paperwork and salary administration cost.
• No charges for uploading of salaries
• Employees receive instant credit of salaries
Benefits to Employees
• Employees will enjoy convenience of Anywhere Banking at the largest network of more than
14800

Core Banking Branches
• Extensive alternative channels.
· 35000 plus ATMs of State Bank Group
· Free Internet Banking, Mobile Banking
· Complete gamut of Banking Services including:-
• Zero Balance Account facility with no penal charges for non-maintenance of minimum balance
· Auto sweep facility-Surplus amount in SB a/c is transferred automatically into Term Deposits
(multi option deposits) in multiple of Rs.1000/-
• Free unlimited withdrawal from SBI ATMs subject to daily caps
• Free Personal Accident Insurance Cover to Primary Salary Package Account*
• Retain same account number even when the account is transferred to another branch
• Free personalized Multi City Cheques
• Free Mobile Banking including free transfer of funds up to Rs. 50,000/-
• Free e- Statements/ Internet Banking
• Easy overdraft up to 2 months salary repayable within 6 months
• An Additional employee Reimbursement Current Account for crediting reimbursements
• SMS Alerts/RTGS/NEFT, Demat facility, Systematic Investment Plan in Mutual funds.
• 3-in 1 Trading Account available
• Range of other value added benefits
• Free Core Power: Anywhere Banking facility with the widest network of more than 14,800
branches, This includes free transfer of funds between SBI branches, free updating of pass-
books at any branch, etc.

DEFENCE SALARY PACKAGE
DEFENCE SALARY PACKAGE (DSP) – ARMY/NAVY/AIR FORCE
INCLUDING RASHTRIYA RIFLES (RR), ASSAM RIFLES AND GENERAL RESERVE
ENGINEER FORCE (BORDER ROADS ORGANISATION) GREF-BRO
DSP: A package which offers many concessions in service charges and in interest rates on
loans for serving as well as retired Defence personnel of Army/ Navy/ Air Force/Indian Coast
Guard/ Assam Rifles as well as RR and GREF (BRO) having their Salary/Pension accounts with
SBI.
Available in four variants, namely Silver, Gold, Diamond and Platinum depending on the rank of
the personnel of Army, Navy ,Air Force, Assam Rifles, RR and GREF (Border Road
Organisation). Silver is for PBORs and Gold, Diamond and Platinum for Officers.
Features of DSP
 Unique Lifetime Account Number: Retain the same account number even when your account is
transferred to another branch as well as for drawing pension after retirement.
 Zero Balance Account with no charges for non-maintenance of minimum balance.
 Auto sweep facility-Surplus amount in SB a/c is transferred automatically into Term Deposits
 ATM Cards exclusively designed for personnel of each of the Forces.
 Free ATM Cards including one additional free ATM Card for single accounts of PBORs.
 Domestic cards for Silver Accounts, Gold Debit cards for Gold and Diamond Accounts and
Platinum Debit Card for Platinum Accounts.
 Free unlimited number of withdrawals from SBI ATMs subject to maximum daily withdrawal of
Rs. 40,000 on Domestic Cards, Rs. 50,000 on Gold Cards and Rs. 1,00,000 on Platinum Cards.
 Free Personal Accident Insurance cover for Primary Defence Salary Package Account Holders*.
 Free Drafts*
 Free Core Power: Anywhere Banking facility with the widest network of more than 14,800
branches. This includes free transfer of funds between SBI branches, free updating of pass-
 Free RTGS and NEFT for funds transfers to other banks
 Free personalized Multi City Cheque Books

 Free e – Statement/ Internet Banking
 Easy overdraft up to 2 months Net salary, repayable within 6 months
 Concession in interest rates on Xpress Credit Loans
 Concession in Processing Fees and Margin on Home Loans and Auto Loans.
 3-in 1 Trading Account
 SMS alerts available
 Range of other value added benefits
PARA MILITARY SALARY PACKAGE
PARA MILITARY SALARY PACKAGE (PMSP) & POLICE SALARY PACKAGE (PSP)
PMSP: A package which offers many concessions in service charges and in interest rates on
loans for serving personnel of the following Central Para Military Forces (CPMFs) having their
Salary accounts with SBI.
 Border Security Force : (BSF)
 Central Industrial Security Force : (CISF)
 Indo Tibetan Border Police : (ITBP)

 National Security Guard : (NSG)
 Sashastra Seema Bal : (SSB)
 Central Reserve Police Force : (CRPF)
Available in four variants, namely Silver, Gold, Diamond and Platinum depending on the rank of
the personnel of the paramilitary forces.
Features of PMSP
 Unique Lifetime Account Number: Retain the same account number even when your account is
transferred to another branch as well as for drawing pension after retirement.
 Zero Balance Account with no charges for non-maintenance of minimum balance.
 ATM Cards exclusively designed for personnel of each of the Forces.
 Free ATM Cards including one additional free ATM Card for single accounts of PBORs.
 Domestic cards for Silver Accounts, Gold Debit cards for Gold and Diamond Accounts and
Platinum Debit Card for Platinum Accounts.
 Free unlimited number of withdrawals from SBI ATMs subject to maximum daily withdrawal of
Rs. 40,000 on Domestic Cards, Rs. 50,000 on Gold Cards and Rs. 1,00,000 on Platinum Cards.
 Free Personal Accident Insurance cover for Para Military and Police Salary Package account
Holders*.
 Free Drafts*
 Free Core Power: Anywhere Banking facility with the widest network of more than 14,800
 Free RTGS and NEFT for funds transfers to other banks
 Free e–Statement/ Internet Banking
 Easy overdraft up to 2 months’ Net salary, repayable within 6 months
 Concession in interest rates on Xpress Credit Loans
 Concession in Processing Fees and Margin on Home Loans and Auto Loans.
 3-in 1 Trading Account

 SMS alerts available
STATE GOVERNMENT SALARY PACKAGE
These packages offer many concessions in service charges, interest rates on loans, etc. to the
employees of i) Central Government, RBI and NABARD ii) State Government, Union Territories
and their Boards/Corporations and iii) Indian Railways, Kolkata Metro, Delhi Metro, Bangalore
Metro, Mumbai Metro, Konkan Railways.
The package is available in four variants, namely Silver, Gold, Diamond and Platinum
depending on the designation of the personnel.
Benefits to the Employer
 Provides a convenient way of salary administration across a large number of centers through
Core Power and the Bank’s award winning Corporate Internet Banking
 Reduces employer’s paperwork and salary administration cost.
 No charges for uploading of salaries.
 Employees receive instant credit of salaries
Benefit to the Employee

 Employees will enjoy convenience of Anywhere Banking at the largest network of more than
14800 Core Banking Branches
 Extensive Alternate Channels
 35000 plus ATMs of State Bank Group
 Free Internet Banking, Free Mobile Banking
 Complete gamut of Banking Services including:-
 Zero Balance Account facility with no penal charges for non – maintenance of minimum
balance
 Free unlimited number of withdrawals from SBI ATMs subject to daily caps
 Free Personal Accident Insurance cover to Primary Salary Package Account Holder *
 Retain same account number even when the account is transferred to another branch.
 Free Drafts (limited number to select groups)
 Easy overdraft up to 2 months’ salary repayable up to 6 months
 SMS Alerts/RTGS/NEFT, Systematic Investment Plan in Mutual funds.
 Concession in interest on Xpress Credit Loan
 Concession in Processing Fee and Margin on retail loans
 3-in 1 Trading Account available
 Free Core Power: Anywhere banking facility with the widest network of more than 14800
UNION BANK OF INDIA
UNION SUPER SALARY ACCOUNT: USSA is a unique product packaged to suit the salaried
class
ELIGIBILITY:

Employees of any Corporate, Institution, Organization, Govt. Dept., etc. with employee strength
of minimum 15
Minimum 15 employees should open salary accounts with us.
BENEFITS:
Comprehensive Welcome Kit is provided to the USSA holder at the time of opening. The
welcome kit contains:
International Debit Card
Internet Banking (Union e-Banking) User Manual
Phone Banking (Union e-Banking) User Manual
SMS Banking User Manual
SMS Banking User Manual
Mobile Banking User Manual
The Welcome Kit facilitates the USSA holder Any Where/Any Time Banking of his choice, as
under:-
ATM Banking
Internet Banking
Phone Banking
Branch Banking
SMS Banking
Mobile Banking
USSA customer can use his Debit Card at the large number of Union Bank ATMs at various
locations in India, free of cost
Free cash withdrawal from other banks’ ATMs, upto 5 transactions per month
Access over 1 million ATMs, globally, bearing VISA logo
Transact through Internet (Union e-Banking) from your place of residence/work -- anywhere,
any time.
VIJAYA BANK SALARY ACCOUNT

V Payroll Savings Bank Account
V-Payroll Savings Bank Account for salaried class people, particularly those working in
Corporation firms, institutions , Companies, Govt. Dept etc.
Parameter Product feature
Eligibility
Minimum Number of Employees in the
organization should be 10
Average net salary of the employee Not less than Rs.5,000/- per month
Accessibility through Cheque Free in any of our CBS branches
Minimum Balance Zero
Sweep facility
Balance in excess of Rs.20,000 can be
swept into term deposits in multiples of
Rs.5000/-
Other concession
50% concession in service charges for
remittances like DD , standing Instruction,
etc.
ATM withdrawal Upto Rs.20, 000 per day.
Access to our bank ATMs Free
Access to other bank ATMs
Five Free withdrawals (includes cash
transaction, balance enquiry, mini statement)
V-Cash loan facility
Eligibility as per existing norms for V-Cash
loan.
Other facilities
V-Payroll account holders can avail of Debit
Card, Demat and Internet Banking facilities.
KYC
Identification introduction and residential
address proof of the employee as provided

by the employer as per their records , can be
accepted as KYC compliance
Privilege Accounts
The Executive level employees of the
corporate /company whose minimum salary
per month is Rs.50,000/- and above, will be
offered V-Platinum Savings bank Account
YES BANK SALARY ACCOUNT
SMART SALARY Account | A Zero Balance Savings Account
YES BANK Smart Salary Program is a power-packed offering combined with special privileges,
uncompromising service commitment, best-in-industry savings deposit interest rate and much
more.
BENEFITS TO EMPLOYER
YES BANK brings immense efficiencies to your organization through:
 Automating the entire salary processing cycle through flexible models
 Assured and faster reconciliation
 Dedicated corporate help-desk
 End-to-end integration with HR, ERP & payroll accounting systems with real time processing &
confirmations at zero cost
BENEFITS TO EMPLOYEE
Earn Higher interest rate
 7% p.a.* for balance of Rs. 1 Lakh & above
 6% p.a.* for balance below Rs. 1 Lakh
Superior Branch Experience
 True “Anywhere Banking” at any of the over 560 branches
 Locker facility available#
Value for Money
 Free RTGS/NEFT payment facility through NetBanking
 Free Unlimited issuance of Demand Drafts across all channels and locations

 Free Payable at-par multicity cheque book at all YES BANK locations
 Free Investment Advisory
 Free Supplementary Debit Cum ATM Card for Joint Account holder
 Pay every bill on time through our free Online Bill Payments facility with over 240 registered
billers pan India
 Time your payments & transfers. Set up NEFT Standing Instructions free-of-cost through
NetBanking as well as through branches
 Free Personal Accident Death Cover, Lost Card Liability and Purchase Protection on your Debit
Card
Technology Solutions for Ease of Banking
 One View of your Savings Account, Fixed Deposits and Mutual Funds with YES BANK
 Book Fixed Deposits, Tax Saver Deposits & Recurring Deposits online with best in class
Interest rates
 MONEY MONITOR, a one-stop money tracking solution for aggregating all your financial
information across multiple Banks, Financial Institutions, Insurance Companies etc
 Cutting-Edge MobileBanking Application for Apple, Android, Blackberry, Java & Symbian to
fulfill all your banking needs, while you are on the move
 Use your mobile to transfer money to any bank account instantly through our IMPS facility
 Choose your Instant SMS alerts from the wide bouquet of alerts & customize the frequency
online at your convenience
 India's only speech enabled PhoneBanking system to free you from maze of button driven
menus
 Technology Edge with a Single Personal Identification Number for all electronic channels
including Internet, Mobile, Phone and ATM Banking
 Our Two Factor Authentication assures you of the highest level of security for your NetBanking
transactions
Unmatched Financial Solutions
 Superior Financial Planning and Wealth Management with No advisory fees
 Comprehensive Insurance Solutions

 YES Gift Card - Ideal gifting option for any occasion, accepted at over 6,00,000 MasterCard
enabled merchant outlets in India
 YES Tax Solutions– A comprehensive program with personalized tax planning assistance, on-
the-spot investment & IT Return Filing
 YES BANK Multi Currency Travel Card– Now carry Multiple Currencies (USD, EUR, GBP,
SGD,AUD) in one card for your travel across the border – Accepted at all MasterCard accepting
purchase terminals & ATMs
 MFOnline: An online facility for hassle free investment in Mutual Funds with online funding of
Brokerage Account
 YES BANK Pay Now – Enjoy the convenience of recharging your Phone/DTH, paying your bills,
loan EMIs & insurance premium, all at one place

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