Salary Accounts

INSURANCE BENEFITS

Category

Group-I

Group-II

Group-III

Personal Insurance Accidental Death

Rs. 350 Lakh

Rs. 75 Lakh

Air Accident Insurance

Rs. 400 Lakh

Rs. 120 Lakh

Permanent Total Disability

Rs. 350 Lakh

Rs. 75 Lakh

Permanent Partial Disability

Upto Rs. 350 Lakh

Upto Rs. 75 Lakh

Add on Covers with accidental Death

Child Education
Air/Ambulance Charges
Repatriation of mortal remains, etc.

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.

Rs.3000/- per case

Rs.15,000/- per case

Group Term Life Insurance
a) Bank-sponsored Cover

Rs. 20 Lakh

NA

Note: GTLI is Not available to Pensioners

Anti-terrorist/Naxal Operations Cover

Upto Rs. 350 Lakh

Upto Rs. 75 Lakh

Wellness Program / Annual Health Check-up

Annual Preventive Health Check-up once a year
Unlimited teleconsultation cover
Unauthorized Digital Txn Cyber Cover - Rs. 25,000 Annual

NA

Hospital Cash Benefit

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)
The Hospital Cash Benefit is available for family members on payment of Rs.280/- + GST per person of the family.

Top-Up Health/Medical Insurance Cover (Cost to be borne by A/c holder)

Key Highlights of Additional Health Coverage (On Payment Basis)

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/-
2 Adults, 1 Child	3,00,000/-	30,00,000/-	6,152/-	12,401/-
	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/-
*Premium rates are excluding GST

NA

Banking Facilities

Category	Group I	Group II	Group III
Minimum Balance	Nil
Instant Overdraft	For serving employees: Overdraft Facility up 4 times Net Salary or Rs.10 Lakhs whichever is less. For pensioners: Up to the age of 65 years: 20 times net monthly pension or Rs.10 Lakh whichever is less. Above 65 years and up to 70 years: 15 times net monthly pension or Rs.7 Lakh whichever is less.
Demand Draft issuance Charges	Nil
Sweep In -Out facility (optional)	Amount in excess of Rs. 25,000/- will be converted to Flexi Fixed Term Deposit. Min. FFD Tenure - 46 Days Max. FFD Tenure - 120 months Sweep Amount & Reverse Sweep: In multiple of Rs. 5000/- for both sweep in and sweep out.
IMPS/RTGS/NEFT/UPI/SMS Charges	Free
Free Cheque Book	100 cheque leaves per annum
Concession in Locker Charges	50% Concession in Small/Medium Lockers (Any One locker only)

Loans

Category	Group-I	Group-II	Group-III
Concession in Rate of Interest on Housing/ Car/ Education loan.	For Home Loan: Upto 30 bps For Car Loan: Upto 30 bps 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 State Government / UT / PSU (Both Central and State) employee is co-obligant.	For Home Loan: Upto 25 bps For Car Loan: Upto 25 bps 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 State Government / UT / PSU (Both Central and State) employee is co-obligant.	NA
Concession in Processing & Documentation charges on Housing/Car/Education/Personal loan	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.	NA
Waiver of EMIs	Housing Loan: Last 03 EMIs waived for minimum loan size of Rs.20 Lakh	NA

ATM Cum Debit Card (Along with Offers)

Category	Group-I	Group-II	Group-III
Free ATM txn in a month	In Metro- 3 txn free (Fin & Non-Fin) Non-Metro – 5 txn free (Fin & Non-Fin)
ATM (Rupay Platinum/Select & others)	PSB Rupay Platinum Card – Nil charges for Issuance & Annual Maintenance Charges. PSB Rupay Select Debit Card – Available for Salary greater than Rs. 1 Lakh – Nil charges for Issuance & Annual Maintenance Charges.
Airport Lounge Access on debit card* * Facilities subject to change as per NPCI Card Policy	Rupay Select Debit Card: 1 (one) Complimentary Domestic Airport Lounge access per calendar quarter 2 (two) Complimentary International Airport Lounge access per calendar year
Other Benefits on Debit Card* *Facilities subject to change as per NPCI Card Policy	Accidental Insurance Coverage as per NPCI card policy. For Rupay Select OST - 1 Complimentary 12 months Amazon Prime or Hotstar or Sony Liv membership every year. 24x7 Concierge Services available in 9 languages.

Features

Category	Group-I	Group-II	Group-III
Eligibility	All the permanent salaried employees and pensioners of State/UT Government, Public Sector Undertakings (Both Central and State), excluding Urban Local Bodies viz. Municipal Corporation.
Salary Bracket	Gross Salary >= Rs. 2,00,000/-	Gross Salary >= Rs. 1,25,000/- < Rs. 2,00,000/-	Gross Salary >= Rs. 70,000 < Rs. 1,25,000
Age	For serving employees 18-60 years For Pensioners up to the age of 70 years

Salary Accounts under

Insurance Benefits

Banking Facilities

Loans

ATM Cum Debit Card (Along with Offers)

Features