Azadi Ka Amrit Mahotsav
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Azadi Ka Amrit Mahotsav

punjab and sindh bank

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Central Government Employees Salary Account

  2. Central Government Employees Salary Account
Salary Product Features Group-C Group-B Group-A
Personal Accident Death Insurance (Free of cost) Rs.100 Lakh Free of cost Rs.100 Lakh Free of cost Rs.120 Lakh Free of cost
Air Accident Insurance (Free of cost) Rs.120 Lakhs Free of cost Rs.120 Lakhs Free of cost Rs.180 Lakhs Free of cost
Permanent Total Disability (Free of cost) Rs.100 Lakh Free of cost Rs.100 Lakh Free of cost Rs.120 Lakh Free of cost
Permanent Partial Disability (Free of cost) Up to Rs.100 Lakhs Free of cost Up to Rs.100 Lakhs Free of cost Up to Rs.120 Lakhs Free of cost
ADD on Covers - Girls Child Education/ Marriage, Air/ Ambulance charges, etc. (Free of cost)

Education Cover Up to 24 Lakhs (Rs.6 Lakhs for Boy Child between 12-22 years and up to Rs.12 Lakhs in case of girl child age 12-22 years. Wherever accident death claim is admissible) for maximum 2 children.

Air/Ambulance Chg. Rs.3000 per Case

Repatriation of Mortal remains –Rs.15000 per case.

Anti-terrorist/Naxal Operations Cover- Up to Rs.100 Lakhs

Education Cover Up to 24 Lakhs (Rs.6 Lakhs for Boy Child between 12-22 years and up to Rs.12 Lakhs in case of girl child age 12-22 years. Wherever accident death claim is admissible) for maximum 2 children.

Air/Ambulance Chg. Rs.3000 per Case

Repatriation of Mortal remains –Rs.15000 per case

Anti-terrorist/Naxal Operations Cover- Up to Rs.100 Lakhs

Education Cover Up to 24 Lakhs (Rs.6 Lakhs for Boy Child between 12-22 years and up to Rs.12 Lakhs in case of girl child age 12-22 years. Wherever accident death claim is admissible) for maximum 2 children.

Air/Ambulance Chg. Rs.3000 per Case

Repatriation of Mortal remains –Rs.15000 per case.

Anti-terrorist/Naxal Operations Cover- Up to Rs.100 Lakhs
Term Life Insurance Cover(Free of cost) Rs. 05 Lakh Rs. 08 Lakh Rs. 11 Lakh
Term Life Insurance- Add on Cover* (Cost to be borne by A/c holder) NA NA NA
Wellness Program/ Benefits / Annual Health Check-up(A)

1. Annual Preventive Health Checkup once a year

2. Unlimited teleconsultation cover

3. Unauthorized Digital Txn Cyber Cover- Rs. 25000 Annual

1. Annual Preventive Health Checkup once a year

2. Unlimited teleconsultation cover

3. Unauthorized Digital Txn Cyber Cover- Rs. 25000 Annual

1. Annual Preventive Health Checkup once a year

2. Unlimited teleconsultation cover

3. Unauthorized Digital Txn Cyber Cover- Rs. 25000 Annual
Health/ Medical Insurance Cover

1. Daily Hospital Cash Benefit 2500/- per day for hospitalization & 5000/- per day for ICU admission (Max 10 days per hospitalization and up to 30 days per annum)

2. This cover along with insurance benefits in (A) (except cyber cover) is available for family members on payment of Rs.208/- + GST per person of the family

3. Health insurance coverage where Cost to be borne by A/c holder as per Table-A.

1. Daily Hospital Cash Benefit 2500/- per day for hospitalization & 5000/- per day for ICU admission (Max 10 days per hospitalization and up to 30 days per annum)

2. Daily Hospital Cash Benefit 2500/- per day for hospitalization & 5000/- per day for ICU admission (Max 10 days per hospitalization and up to 30 days per annum)

3. Health insurance coverage where Cost to be borne by A/c holder as per Table-A.

1. Daily Hospital Cash Benefit 2500/- per day for hospitalization & 5000/- per day for ICU admission (Max 10 days per hospitalization and up to 30 days per annum)

2. This cover along with insurance benefits in (A) (except cyber cover) is available for family members on payment of Rs.208/- + GST per person of the family.

3. Health insurance coverage where Cost to be borne by A/c holder as per Table-A.
Top-Up Health / Medical Insurance Cover
(Cost to be borne by A/c holder)
{Details in the Table A}		 As per Table B below As per Table B below As per Table B below
Minimum Balance NIL NIL NIL
Instant Overdraft Facility Overdraft Facility up to 4 times
Net Salary or Rs. 10 Lakhs whichever is less		 Overdraft Facility up to 4 times
Net Salary or Rs. 10 Lakhs whichever is less		 Overdraft Facility up to 4 times
Net Salary or Rs. 10 Lakhs whichever is less
Sweep In – Out Facility Threshold limit Rs. 25000/- in multiple of Rs. 5000/- Threshold limit Rs. 25000/- in multiple of Rs. 5000/- Threshold limit Rs. 25000/- in multiple of Rs. 5000/-
IMPS / RTGS / UPI / SMS Charges FREE FREE FREE
Free Demand Draft YES – Unlimited YES – Unlimited YES – Unlimited
Free Cheque Facility 100 Leaves per annum 100 Leaves per annum 100 Leaves per annum
Concession in Locker Charges 50% Concession in Small / Medium Lockers (Any One) 50% Concession in Small / Medium Lockers (Any One) 50% Concession in Small / Medium Lockers (Any One)
Concession in Processing & Documentation charges on Housing / Car / Education / Personal / other Retail loan For Home Loan: Processing charges waived Legal & Valuation charges waived

For Car Loan:
Processing charges waived Legal & Valuation charges waived

For Personal Loan:
Processing, Due-diligence & Inspection charges waived.
 		 For Home Loan: Processing charges waived Legal, Valuation charges waived.
Legal & Valuation charges waived

For Car Loan:
Processing charges waived Legal & Valuation charges waived Margin: No margin required Prepayment & Inspection Charges waived

For Personal Loan:
Processing, Due-diligence & Inspection charges waived.
 		 For Home Loan:
Processing charges waived Legal, Valuation charges waived.

For Car Loan: Processing charges waived Margin: No margin required Prepayment & Inspection Charges waived

For Personal Loan: Processing, Due-diligence & Inspection charges waived.
Concession in Rate of Interest on
Housing / Car / Education / Personal /
other Retail loan		 For Home Loan: Upto 20 bps (Subject to max. of BSP Component)

For Car Loan: Upto 20 bps (Subject to max. of BSP Component)

For Education Loan: ROI concession upto 1.35% in comparison to General Public i.e. ROI linked with EL for premier educational institutions will apply wherever central government employee is co-obligant.		 For Home Loan: Upto 25 bps (Subject to max. of BSP Component)

For Car Loan: Upto 25 bps (Subject to max. of BSP Component)

For Education Loan: ROI concession upto 1.45% in comparison to General Public i.e. ROI linked with EL for premier educational institutions will apply wherever central government employee is co-obligant.		 For Home Loan: Upto 30 bps (Subject to max. of BSP Component)

For Car Loan: Upto 30 bps (Subject to max. of BSP Component)

For Education Loan: ROI concession upto 1.55% in comparison to General Public i.e. ROI linked with EL for premier educational institutions will apply wherever central government employee is co-obligant.
Concession in Demat AMC NA NA NA
Family Banking Benefits NA NA NA
Any Other Housing Loan: Last 03 EMIs waived for minimum loan size of Rs.20 Lakh Housing Loan: Last 03 EMIs waived for minimum loan size of Rs.20 Lakh Housing Loan: Last 03 EMIs waived for minimum loan size of Rs.20 Lakh
Debit Card Variant Rupay Platinum
Rupay Select		 Rupay Platinum
Rupay Select		 Rupay Platinum
Rupay Select
Debit Card - Issuance / Annual Maintenance Charges Rupay Platinum – Nil
Rupay Select – Available with NIL Charges for Salary above Rs.1 Lakh per month		 Rupay Platinum – Nil
Rupay Select – Available with NIL Charges for Salary above Rs.1 Lakh per month		 Rupay Platinum – Nil
Rupay Select – Available with NIL Charges for Salary above Rs.1 Lakh per month
No. of Free ATM TXN (in a month) In Metro 3 txn free (financial & non-financial)
In non-metro 5 txn free (financial & non-financial)		 In Metro 3 txn free (financial & non-financial)
In non-metro 5 txn free (financial & non-financial)		 In Metro 3 txn free (financial & non-financial)
In non-metro 5 txn free (financial & non-financial)
Airport Lounge Access on Debit Card {Domestic} Rupay Platinum – Complimentary airport lounge access on your PSB RuPay Platinum Debit Card will require minimum spends of Rs. 5000/- in the previous quarter (Jul’25–Sept’25). Only POS and E-Com txns done on the debit card will be considered to avail 1 complimentary domestic airport lounge visit per quarter.

Rupay Select – 1 (one) Complimentary Domestic Airport Lounge access per calendar quarter		 Rupay Platinum – Complimentary airport lounge access on your PSB RuPay Platinum Debit Card will require minimum spends of Rs. 5000/- in the previous quarter (Jul’25–Sept’25). Only POS and E-Com txns done on the debit card will be considered to avail 1 complimentary domestic airport lounge visit per quarter.

Rupay Select – 1 (one) Complimentary Domestic Airport Lounge access per calendar quarter		 Rupay Platinum – Complimentary airport lounge access on your PSB RuPay Platinum Debit Card will require minimum spends of Rs. 5000/- in the previous quarter (Jul’25–Sept’25). Only POS and E-Com txns done on the debit card will be considered to avail 1 complimentary domestic airport lounge visit per quarter.

Rupay Select – 1 (one) Complimentary Domestic Airport Lounge access per calendar quarter
Airport Lounge Access on Debit Card {International}

*Subject to change as per NPCI policy & minimum one successful RuPay card induced financial transaction at any POS/E-com, both intra & inter-bank i.e. on-us or off-us within 30 days prior to date of accident including accident date of RuPay cardholder.

Rupay Platinum Card
1 (one) Complimentary International Airport Lounge access per calendar year.

Rupay Select Card
2 (two) Complimentary International Airport Lounge access per calendar year.

*Subject to change as per NPCI policy		 Rupay Platinum Card
1 (one) Complimentary International Airport Lounge access per calendar year.

Rupay Select Card
2 (two) Complimentary International Airport Lounge access per calendar year.

*Subject to change as per NPCI policy		 Rupay Platinum Card
1 (one) Complimentary International Airport Lounge access per calendar year.

Rupay Select Card
2 (two) Complimentary International Airport Lounge access per calendar year.

*Subject to change as per NPCI policy
Other Benefits on ATM Accidental Insurance Coverage as per NPCI card policy.

For Rupay Select
OTT-1 Complimentary 12 months Amazon Prime or Hotstar or Sony Liv membership every year.
24x7 Concierge Services available in 9 languages.		 Accidental Insurance Coverage as per NPCI card policy.

For Rupay Select
OTT-1 Complimentary 12 months Amazon Prime or Hotstar or Sony Liv membership every year.
24x7 Concierge Services available in 9 languages.		 Accidental Insurance Coverage as per NPCI card policy.

For Rupay Select
OTT-1 Complimentary 12 months Amazon Prime or Hotstar or Sony Liv membership every year.
24x7 Concierge Services available in 9 languages.
Credit Card Variant
(Co-Branded)		 (SBI Simply Save / Prime / Elite) (SBI Simply Save / Prime / Elite) (SBI Simply Save / Prime / Elite)
Credit Card - Issuance / Annual Maintenance Charges SBI Simply Save – Rs. 499 /
Prime – Rs. 1499 /
Elite – Rs. 4999		 SBI Simply Save – Rs. 499 /
Prime – Rs. 1499 /
Elite – Rs. 4999		 SBI Simply Save – Rs. 499 /
Prime – Rs. 1499 /
Elite – Rs. 4999
Airport Lounge Access on Credit Card {Domestic} SBI Prime and SBI Elite
2 (Two) Complimentary Domestic Airport Lounge access per calendar quarter		 SBI Prime and SBI Elite
2 (Two) Complimentary Domestic Airport Lounge access per calendar quarter		 SBI Prime and SBI Elite
2 (Two) Complimentary Domestic Airport Lounge access per calendar quarter
Airport Lounge Access on Credit Card {International} SBI Prime
4 (Four) Complimentary International Airport Lounge access per calendar year (Max. 2 visits per quarter)

SBI Elite
6 (Six) Complimentary International Airport Lounge access per calendar year		 SBI Prime
4 (Four) Complimentary International Airport Lounge access per calendar year (Max. 2 visits per quarter)

SBI Elite
6 (Six) Complimentary International Airport Lounge access per calendar year		 SBI Prime
4 (Four) Complimentary International Airport Lounge access per calendar year (Max. 2 visits per quarter)

SBI Elite
6 (Six) Complimentary International Airport Lounge access per calendar year
Features & Other Benefit on Credit Card SBI Elite
1. Complimentary Club Vistara Silver membership.
2. 2 complimentary movie tickets per month, worth Rs. 6,000 for full year.
3. Earn 2 Reward Points per Rs. 100 on all other spends, except fuel. Get 5X Reward Points on Dining, Departmental Stores and Grocery spends.
4. Earn up to 50,000 bonus Reward Points worth Rs. 12,500 every year.
5. Complimentary membership to the Priority Pass Program		 SBI Elite
1. Complimentary Club Vistara Silver membership.
2. 2 complimentary movie tickets per month, worth Rs. 6,000 for full year.
3. Earn 2 Reward Points per Rs. 100 on all other spends, except fuel. Get 5X Reward Points on Dining, Departmental Stores and Grocery spends.
4. Earn up to 50,000 bonus Reward Points worth Rs. 12,500 every year.
5. Complimentary membership to the Priority Pass Program.		 SBI Elite
1. Complimentary Club Vistara Silver membership.
2. 2 complimentary movie tickets per month, worth Rs. 6,000 for full year.
3. Earn 2 Reward Points per Rs. 100 on all other spends, except fuel. Get 5X Reward Points on Dining, Departmental Stores and Grocery spends.
4. Earn up to 50,000 bonus Reward Points worth Rs. 12,500 every year.
5. Complimentary membership to the Priority Pass Program.
Other NA NA NA

Key Highlights of Proposed Health Coverage (On Payment Basis by A/C holder)

Table-A

PREMIUM CHART (INR)
Premium per family (Including GST) (1+1+3)
SI / Age Band 18-40 41-50 51-60 Above 60
2,00,000 8,322 11,903 13,718 20,453
3,00,000 10,196 15,516 17,735 27,031
4,00,000 11,424 18,268 20,727 32,059
5,00,000 12,544 20,114 22,780 37,681
6,00,000 14,276 22,739 24,857 41,220
8,00,000 15,709 24,709 27,141 45,374
10,00,000 17,892 26,772 29,269 48,596
15,00,000 23,430 35,599 40,308 67,678
20,00,000 27,347 40,467 47,408 78,954
25,00,000 31,268 45,449 54,283 90,212

Key Highlights of Proposed Health Coverage (On Payment Basis by A/C holder)

Table-A

Table-B

Family Type Deductible / Base Policy Cover (₹) Sum Insured (₹) Premium (₹) (18-60 years) Premium (₹) (61-65 years)
1 Adult 3,00,000 30,00,000 3,340 7,248
4,00,000 40,00,000 3,535 7,770
5,00,000 50,00,000 3,716 8,130
2 Adults 3,00,000 30,00,000 5,462 11,716
4,00,000 40,00,000 5,775 12,150
5,00,000 50,00,000 6,065 13,126
1 Child 4,00,000 40,00,000 6,527 13,198
5,00,000 50,00,000 6,877 13,933
2 Adults, 2 Children 3,00,000 30,00,000 7,093 13,725
4,00,000 40,00,000 7,551 14,630
5,00,000 50,00,000 7,978 15,467

Note: Premium rates mentioned are excluding GST.

*Terms & Conditions to be applied and are subject to change.

Terms & Conditions

  1. 1) This product is available to permanent employees of central government departments only.

  2. 2) Name of the insurance company(ies) associated with the product: Presently, United India Insurance Co. Ltd. However, Punjab & Sind Bank onboards insurance partners through Request for Proposal (RFP) process and insurance partners are subject to change. T&Cs of the insurance company shall prevail at all times.

  3. 3) Insurance coverage details (type, extent, eligibility, etc.): The salary account holder will be covered under insurance on first credit of salary or from 01.01.2026, whichever is later. When salary is not credited in the account for 03 months, the account will be converted to general bank savings account.

  4. 4) Overdraft facility will be given only to permanent employees having PF/NPS no. and on the specific request of the customer.

  5. 5) Minimum three month salary should be credited in the account before sanctioning the overdraft and length of service of the employee with employer should be minimum six months.

  6. 6) Overdraft facility availing salary account customer will not be allowed to shift his/her salary account to any other Bank till overdraft account is adjusted.

  7. 7) In case of the account holder has availed overdraft facility, salary disbursing account of the account holder will not be changed without the permission of the Bank.

  8. 8) Benefits offered under Rupay Platinum & Rupay Select Debit Cards are subject to changes as per NPCI Card Policy.

  9. 9) Credit card offerings are through the SBI Co-branded arrangements and will be subjected to respective eligibility and general T&Cs.

  10. 10) Intimation of the claim shall be made within 90 days of the date of death/accident after which the claim is liable to be rejected.

  11. 11) Pricing given for top-up life insurance cover and medical insurance cover where cost is to be borne by A/C holder is dependent on insurance company and are subject to change.

  12. 12) Click here to open the account under this Scheme



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