Key facts
What the official sources publish
Every value below belongs to this exact product. Select a source marker to check its context.
Eligible employeesRegular employees of ministries and departments of the Central Government
Source 1Salary-linked variantsSilver ₹10,000–₹25,000; Gold above ₹25,000–₹50,000; Diamond above ₹50,000–₹1 lakh; Platinum and Rhodium above ₹1 lakh
Source 2Royale variantAll IAS, IPS and Indian Forest Service officers
Source 3Minimum balanceNo minimum balance required
Source 4Savings interest rate2.50% p.a. across all account balancesEffective 15 Jun 2025
Source 5Free multi-city cheque leaves25 leaves per month, except bulk requirements
Source 6Published fee waiversRTGS/NEFT, SBI standing-instruction setup, non-home-branch passbook updating, and unlimited demand drafts debited from the salary account
Source 7Optional auto-sweepOn request, ₹50,000 threshold; TDR/
Source 8Locker-rental concession50% for net salary above ₹50,000, corresponding to Diamond variant and above
Source 9SBI Rishtey family accountsGold variant and above may open up to four zero-balance accounts for spouse, children, parents or siblings, with listed card, cheque, transfer, draft, locker, sweep and accident-cover benefits
Source 10Debit-card variantsFree Platinum RuPay card for Silver and Gold, free Select RuPay for Diamond and above; alternatively free Domestic Classic, International Gold or International Platinum Mastercard/Visa according to tier
Source 11ATM transactionsUnlimited free transactions at SBI-network ATMs in India and 10 free financial or non-financial transactions monthly at non-SBI ATM networks in India
Source 12Complimentary accident-insurance coverRoyale: death ₹1.30 crore, air-accident death ₹1.90 crore, permanent total disability up to ₹1.30 crore and partial disability up to ₹1.10 crore; other permanent Central Government employees: ₹1 crore, ₹1.60 crore, up to ₹1 crore and up to ₹80 lakh respectively
Source 13Complimentary group term life₹20 lakh for Royale and ₹10 lakh for other permanent Central Government employees; consent-cum-conversion form required
Source 14Conditional partner and loan offersPublished concessions on selected SBI loans, SBI Card variants with changing card-company benefits, customer-paid SBI Life and SBI General covers, and a dedicated SBI Wealth relationship manager
Source 15Comprehensive Pension PackageCentral Government pensioners aged 70 or younger: nil minimum balance and SMS charges, free RuPay Platinum Gold card issuance, prevailing savings-account card AMC, and ₹30 lakh personal-accident death cover if admissible
Source 16Activation and continuityHome-branch application with salary and employment proof is required; more than three consecutive months without salary credit converts the account to normal savings and withdraws package features
Source 17Benefits and features
- Zero-balance salary account with defined banking-fee waivers
- Salary-linked card variants and a Royale officer tier
- Package-specific complimentary accident and group-term-life maxima
- Optional auto-sweep, locker concession and SBI Rishtey family accounts
Eligibility
- The primary package is for regular Central Government employees; Royale is service-based for IAS, IPS and Indian Forest Service officers.
- Benefits apply only after SBI records the correct CGSP package and variant.
- More than three consecutive months without salary credit causes conversion to normal savings and removal of package benefits.
- Insurance covers, loan concessions, cards and partner benefits remain subject to their separate current terms and approval or claim rules.
- Autonomous bodies require an MOU with SBI for complimentary group-term-life and related salary benefits.
Passing a listed condition does not mean the bank will approve an application.
Documents the bank lists
- Proof of salary
- Proof of employment
- Salary-package consent-cum-conversion application form