Key facts
What the official sources publish
Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.
Eligible employeesRegular employees of ministries and departments of the Central GovernmentView source
identifies CGSP specifically for regular employees of Central Government ministries and departments.
- Source
- Central Government Salary Package
- Page / section
- Page heading and package introduction
- Accessed
- 12 Aug 2026
- Confidence
- high
Salary-linked variantsSilver ₹10,000–₹25,000; Gold above ₹25,000–₹50,000; Diamond above ₹50,000–₹1 lakh; Platinum and Rhodium above ₹1 lakhView source
The CGSP card table groups Platinum and Rhodium together above ₹1 lakh; no separate Rhodium threshold is inferred from another package.
- Source
- Central Government Salary Package
- Page / section
- cum Debit Cards
- Accessed
- 12 Aug 2026
- Confidence
- high
Royale variantAll IAS, IPS and Indian Forest Service officersView source
identifies Royale by officer service rather than a salary threshold and publishes separate insurance maxima for it.
- Source
- Central Government Salary Package
- Page / section
- Insurance Benefits and cum Debit Cards
- Accessed
- 12 Aug 2026
- Confidence
- high
Minimum balanceNo minimum balance requiredView source
The Banking Facilities table states that no minimum balance is required.
- Source
- Central Government Salary Package
- Page / section
- Banking Facilities
- Accessed
- 12 Aug 2026
- Confidence
- high
Interest rate2.50% p.a. across all savings-bank account balances, effective 15 June 2025Effective 15 Jun 2025View source
official table has one row: ‘Across all account Balances — 2.50% p.a.’ and states that it applies from 15 June 2025.
- Source
- Savings Bank Deposits — Interest Rates
- Page / section
- Savings Bank Deposits table — Applicable Interest Rates w.e.f. 15 June 2025
- Accessed
- 29 Aug 2026
- Confidence
- high
Free multi-city cheque leaves25 leaves per month, except bulk requirementsView source
publishes a monthly allowance and expressly excludes bulk requirements.
- Source
- Central Government Salary Package
- Page / section
- Banking Facilities
- Accessed
- 12 Aug 2026
- Confidence
- high
Published fee waiversRTGS/NEFT, SBI standing-instruction setup, non-home-branch passbook updating, and unlimited demand drafts debited from the salary accountView source
Each waiver is taken from the CGSP Banking Facilities table; the demand-draft waiver requires debit through the salary account.
- Source
- Central Government Salary Package
- Page / section
- Banking Facilities
- Accessed
- 12 Aug 2026
- Confidence
- high
Optional auto-sweepOn request, ₹50,000 threshold; TDR/
The facility is available only on customer request and the page publishes all three amounts.
- Source
- Central Government Salary Package
- Page / section
- Banking Facilities
- Accessed
- 12 Aug 2026
- Confidence
- high
Locker-rental concession50% for net salary above ₹50,000, corresponding to Diamond variant and aboveView source
The CGSP table ties the full 50% concession to the stated net-salary threshold.
- Source
- Central Government Salary Package
- Page / section
- Banking Facilities
- Accessed
- 12 Aug 2026
- Confidence
- high
SBI 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 benefitsView source
The facility continues only while the salary-account relationship is maintained; the family accident cover is ₹5 lakh per eligible non-minor member, up to ₹20 lakh total.
- Source
- Central Government Salary Package
- Page / section
- Banking Facilities — Rishtey
- Accessed
- 12 Aug 2026
- Confidence
- high
Debit-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 tierView source
Issuance and annual maintenance charges are published as free; exact network/card mapping follows the CGSP tier table.
- Source
- Central Government Salary Package
- Page / section
- cum Debit Cards
- Accessed
- 12 Aug 2026
- Confidence
- high
Other-bank ATM/ADWM allowance and chargeTen combined financial or non-financial transactions per month at other-bank ATMs/
The salary-package row changes the other-bank allowance to ten combined monthly transactions and sets ₹23 plus cash/₹11 plus non-financial charges after the allowance.
- Source
- Revision in /ADWM Transaction Service Charges
- Page / section
- Pages 1-2 — salary-package savings accounts at other-bank /ADWMs; cardless-cash exception
- Accessed
- 1 Sept 2026
- Confidence
- high
Complimentary 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 respectivelyView source
These are package maxima and remain subject to the separate insurance policy, eligibility and claim admissibility.
- Source
- Central Government Salary Package
- Page / section
- Insurance Benefits
- Accessed
- 12 Aug 2026
- Confidence
- high
Complimentary group term life₹20 lakh for Royale and ₹10 lakh for other permanent Central Government employees; consent-cum-conversion form requiredView source
Autonomous bodies must sign an MOU with to receive complimentary and related salary benefits.
- Source
- Central Government Salary Package
- Page / section
- Insurance Benefits and Note 4
- Accessed
- 12 Aug 2026
- Confidence
- high
Conditional 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 managerView source
These are conditional ancillary offers from separate loan, card, insurance or wealth services; the page warns that rates and partner offerings can change.
- Source
- Central Government Salary Package
- Page / section
- Loans, Credit Cards, Term Life & Health Insurance, Wealth
- Accessed
- 12 Aug 2026
- Confidence
- high
Comprehensive 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 admissibleView source
embeds this as a pensioner subpackage on the CGSP page; it is not generalized to pensioners outside the stated Central Government category.
- Source
- Central Government Salary Package
- Page / section
- Account for Pensioners
- Accessed
- 12 Aug 2026
- Confidence
- high
Activation 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 featuresView source
Benefits depend on correct package and variant classification in system; normal savings-account charges apply after conversion.
- Source
- Central Government Salary Package
- Page / section
- Notes 1 and 2
- Accessed
- 12 Aug 2026
- Confidence
- high
Debit cardA debit card is issued free to all SBI Salary Package accounts, subject to the applicable account and card terms.Effective 30 Sept 2025View source
The states: 'Debit Card issued to All Salary Package accounts & Comprehensive Pension Package. Free.'
- Source
- Service Charges — account facilities and concessions
- Page / section
- Page 9, D) Debit Card / — Debit Card Issuance Charges
- Accessed
- 29 Aug 2026
- Confidence
- high
Cheque bookSalary Package accounts, including SBI Rishtey, receive cheque books free irrespective of QAB; the published bulk-requirement exception is ₹75 + GST for each 25-leaf book when more than 25 leaves are requested at once or in a month.Effective 30 Sept 2025View source
The says Salary Package Accounts are free irrespective of , except for bulk requirements; bulk means more than 25 leaves at one instance or in a month and is charged ₹75 + per 25-leaf book.
- Source
- Service Charges — account facilities and concessions
- Page / section
- Page 3, issue of multi-city cheque books — Salary Package Accounts
- Accessed
- 29 Aug 2026
- Confidence
- high
Non-maintenance chargeNo monthly minimum-balance maintenance charge is applied while the account remains a Salary Package account; if salary is not credited for more than three consecutive months, SBI converts it to a normal savings account and normal savings-account charges apply.Effective 30 Sept 2025View source
The service-charge schedule exempts Salary Package accounts from the applicable maintenance charge. Central Government Salary Package page states that after salary is not credited for more than three consecutive months, the account is converted to a normal savings account and normal charges are levied.
- Source
- Service Charges — account facilities and concessions
- Page / section
- Pages 3–5, salary-package concessions and account-facility charges
- Accessed
- 29 Aug 2026
- Confidence
- high
ATM limitsUnlimited free transactions on SBI network ATMs in India; 10 free transactions per month at non-SBI ATM networks in India, counting financial and non-financial transactions.View source
The table states unlimited free transactions on all network in India and 10 free transactions per month at all non- networks in India, including financial and non-financial transactions.
- Source
- Central Government Salary Package
- Page / section
- cum Debit Card Variant — Transactions at any Bank
- Accessed
- 29 Aug 2026
- Confidence
- high
IMPS online-channel waiverSBI waives online IMPS transaction charges for DSP, PMSP, ICGSP, CGSP, PSP and RSP salary-package accounts (including Shaurya Family Pension Accounts), CSP, SGSP and SUSP salary packages, and the SBI Rishtey Family Savings Account.Effective 15 Feb 2026View source
The asterisk footnote expressly waives online charges for the named salary packages and Rishtey; it does not remove the published branch-channel slabs.
- Source
- Revised Transaction Charges On Or After 15.02.2026 (Retail Customer)
- Page / section
- Annexure II — salary-package and Rishtey footnote
- Accessed
- 1 Sept 2026
- Confidence
- high
Account typeSalary accountView source
The manually reviewed product name/benefits state: “Salary account”.
- Source
- Central Government Salary Package — official product page
- Page / section
- Published account type and access benefits
- Accessed
- 12 Aug 2026
- Confidence
- high
Salary requirementSilver ₹10,000–₹25,000; Gold above ₹25,000–₹50,000; Diamond above ₹50,000–₹1 lakh; Platinum and Rhodium above ₹1 lakhView source
The manually reviewed product name/benefits state: “Silver ₹10,000–₹25,000; Gold above ₹25,000–₹50,000; Diamond above ₹50,000–₹1 lakh; Platinum and Rhodium above ₹1 lakh”.
- Source
- Central Government Salary Package — official product page
- Page / section
- Published account type and access benefits
- Accessed
- 12 Aug 2026
- Confidence
- high
Benefits 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 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 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 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
Related official documents
Revision in ATM/ADWM Transaction Service Chargesofficial-service-charge-notice · current · accessed 25 Sept 2026
↗SBI Central Government Salary Packageofficial-product-page · current · accessed 29 Aug 2026
↗Revised IMPS Transaction Charges On Or After 15.02.2026 (Retail Customer)official-service-charge-document · current · accessed 1 Sept 2026
↗Savings Bank Deposits interest ratesofficial-rate-table · current · accessed 11 Aug 2026
↗SBI Service Charges — account facilities and concessionsofficial-service-charge-pdf · current · accessed 29 Aug 2026
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