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Savings, current & salary accounts

Defence Salary Package

zero-balance defence salary-account family, with rank-based service variants, a distinct Agniveer variant and pensioner-veteran benefits.

Interest rate2.50% p.a. across all savings-bank account balances, effective 15 June 2025Minimum balanceZero-balance accountSalary requirementSalary account for personnel of the Indian Army, Indian Navy, Indian Air Force, Assam Rifles, Rashtriya Rifles and GREF/BRO; retired personnel may use DSP-Pension.
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Quick eligibility check

Defence Salary Package

0 of 9 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Do you meet this requirement: Personnel of the Indian Army, Indian Navy, Indian Air Force, Assam Rifles, Rashtriya Rifles and GREF/BRO?

Published source: Eligible services

2Do you meet this requirement: retired personnel may use DSP-Pension?

Published source: Eligible services

3Do you meet this requirement: Sailors joining the Navy before majority receive a DSP account without insurance?

4Do you meet this requirement: The 2026-27 accident-policy table states ₹1 crore AAI, while the DSP page still says ₹1.50 crore?

5Do you meet this requirement: the current policy amount is used and the conflict is disclosed?

6Document checkDo you have this required document or proof: Proof of salary and employment for serving personnel?

Published source: Eligible services

7Document checkDo you have this required document or proof: Proof of pension and Pension Payment Order for veterans?

Published source: Eligible services

8Document checkDo you have this required document or proof: Applicable DSP conversion form?

Published source: Eligible services

9Document checkDo you have this required document or proof: Eligibility and account tier depend on the exact service, organisation and rank mapping published by SBI?

Published source: Eligible services
0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 12 Aug 2026 · active
Offered byState Bank of India

India; restricted to named defence services and organisations, subject to correct or -Pension classification

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 servicesPersonnel of the Indian Army, Indian Navy, Indian Air Force, Assam Rifles, Rashtriya Rifles and GREF/BRO; retired personnel may use DSP-PensionView source
names the eligible services and organisations and separately states that retired personnel can open or convert to -Pension.
Source
Defence Salary Package
Page / section
Package introduction
Accessed
12 Aug 2026
Confidence
high
Open official source ↗
Rank-based variantsGold for personnel below officer rank or listed equivalent groups; Diamond, Platinum and Rhodium for progressively senior service-specific officer ranksView source
The exact rank mapping differs by service; Rashtriya Rifles personnel follow their Indian Army rank classification.
Source
Defence Salary Package
Page / section
-Army, -Navy, -Air Force, -/, -Assam Rifles and -Rashtriya Rifles
Accessed
12 Aug 2026
Confidence
high
Open official source ↗
Minor Navy recruitsDSP accounts for sailors joining the Navy before attaining majority are opened without insuranceView source
publishes this exclusion directly below the Navy rank table.
Source
Defence Salary Package
Page / section
-Navy note
Accessed
12 Aug 2026
Confidence
high
Open official source ↗
Minimum balanceZero-balance accountView source
The serving-personnel benefits identify as a zero-balance account.
Source
Defence Salary Package
Page / section
Benefits to Serving Personnel
Accessed
12 Aug 2026
Confidence
high
Open official source ↗
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
Open official source ↗
Other-bank ATM/ADWM allowance and chargeTen combined financial or non-financial transactions per month at other-bank ATMs/ADWMs in India are free; thereafter a cash withdrawal costs ₹23 + GST and a non-financial transaction costs ₹11 + GST. SBI ATM/ADWM charges are unchanged; cardless cash withdrawal remains unlimited free until further notice.Effective 1 Dec 2025View source
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
Open official source ↗
Current serving-personnel accident coverFor 4 April 2026 through 3 April 2027: personal-accident death ₹1 crore, air-accident death ₹1 crore, permanent total disability up to ₹1 crore and permanent partial disability up to ₹1 croreEffective 4 Apr 2026View source
The live page still advertises ₹1.50 crore and ₹10 lakh group term life. The current accident-policy table instead states ₹1 crore , while latest displayed group-life period ended 30 April 2026; unmatched page claims require branch or insurer confirmation.
Source
Salary Package Group Personal Accident Insurance Policy — Package Wise Insurance Cover Details 2026-27
Page / section
Pages 1-2 — // rows
Accessed
12 Aug 2026
Confidence
high
Open official source ↗
Linked force coverage statusAnnexure B dated 26 August 2025 records force-specific MOU, PAI/AAI and GTL dates; Army and Assam Rifles coverage was limited to accounts whose data had been shared, while Air Force GTL was nil because data had not been providedEffective 26 Aug 2025View source
This linked table is date-stamped and may not represent later data submissions or renewals; customers must confirm current force-specific cover.
Source
Forces-wise Description of Insurance Coverage — Annexure B
Page / section
Page 1 — force-specific table and footnotes
Accessed
12 Aug 2026
Confidence
medium
Open official source ↗
Death-in-action benefitsAdditional personal-accident cover of ₹10 lakh and up to ₹10 lakh cover for an SBI personal-loan account for qualifying death in action against terrorist, Naxalite or foreign-enemy activityView source
The two benefits are separately listed and remain subject to the policy's qualifying-event and claim rules.
Source
Defence Salary Package
Page / section
Benefits to Serving Personnel
Accessed
12 Aug 2026
Confidence
high
Open official source ↗
Loan processing-fee waiver100% waiver on SBI Personal Loan and Home Loan processing fees; actual title-investigation, valuation and similar charges remain payable where applicableView source
The page distinguishes the processing-fee waiver from other recoverable charges; loan approval and pricing remain separate.
Source
Defence Salary Package
Page / section
Benefits to Serving Personnel
Accessed
12 Aug 2026
Confidence
high
Open official source ↗
Locker-rental concessionUp to 50% off annual locker rentalView source
publishes a maximum rather than a universal fixed concession.
Source
Defence Salary Package
Page / section
Benefits to Serving Personnel
Accessed
12 Aug 2026
Confidence
high
Open official source ↗
Auto-sweepOptional facility to create e-MODs; this page does not publish its thresholdsView source
No sweep amount is imported from another salary package.
Source
Defence Salary Package
Page / section
Benefits to Serving Personnel
Accessed
12 Aug 2026
Confidence
high
Open official source ↗
Published free servicesDraft issuance, multi-city cheques, SMS alerts and NEFT/RTGSView source
lists these services as free for serving personnel.
Source
Defence Salary Package
Page / section
Benefits to Serving Personnel
Accessed
12 Aug 2026
Confidence
high
Open official source ↗
SBI RishteyFamily members may receive differential benefits through SBI RishteyView source
The page names Rishtey but does not restate its complete family-account terms.
Source
Defence Salary Package
Page / section
Benefits to Serving Personnel
Accessed
12 Aug 2026
Confidence
high
Open official source ↗
DSP-Agniveer banking featuresAgniveers of the Army, Navy and Air Force: nil monthly average balance, International Gold debit card on request without issuance or annual-maintenance charge, free joint-holder card, unlimited SBI ATM transactions, 25 free cheque leaves monthly, 10% locker concession and listed free transfer, standing-instruction and draft servicesEffective 11 Dec 2025View source
These banking features are taken from the linked two-page notice; the notice's separate insurance validity had expired by the review date.
Source
New Features of Defence Salary Package for Agniveers
Page / section
Page 1 — eligibility and account benefits
Accessed
12 Aug 2026
Confidence
medium
Open official source ↗
DSP-Agniveer insurance statusThe linked notice's personal-accident insurance was stated only for 4 November 2025 through 3 April 2026; continuation required policy review or renewal and is not verified as currentEffective 3 Apr 2026View source
Because the reviewed validity period had ended more than four months earlier, the notice's former cover amounts are not presented as current Agniveer insurance.
Source
New Features of Defence Salary Package for Agniveers
Page / section
Page 2 — policy-validity footnote
Accessed
12 Aug 2026
Confidence
high
Open official source ↗
DSP-Pension benefitsRetired personnel: zero balance, unlimited SBI ATM transactions, personal-accident death cover ₹50 lakh, full pension-loan processing-fee waiver, up to 50% locker concession, optional e-MOD sweep and listed free banking servicesView source
Insurance is a maximum and claim-dependent; pension-package classification and regular pension credit are required.
Source
Defence Salary Package
Page / section
Benefits to Pensioner Veterans
Accessed
12 Aug 2026
Confidence
high
Open official source ↗
Activation and continuityServing personnel apply at the home branch with salary and employment proof; pensioners use pension proof and PPO. More than three consecutive months without salary or pension credit converts the account to normal savings and removes package benefitsView source
Benefits depend on correct or pension-package classification; normal savings-account charges apply after conversion.
Source
Defence Salary Package
Page / section
Serving Notes 1-2 and Pensioner Notes 1-2
Accessed
12 Aug 2026
Confidence
high
Open official source ↗
Current insurance policy period and principal coverPolicy 580000/48/2027/45 runs from 4 April 2026 to 3 April 2027. DSP, CAPSP and ICGSP serving-account cover: personal-accident death ₹100 lakh; air-accident death ₹100 lakh; permanent total disability ₹100 lakh; permanent partial disability up to ₹100 lakh. Death or disability must occur within 12 months of the accident and policy exclusions apply.Effective 4 Apr 2026View source
All four cover columns, the policy number, exact period and 12-month causal limit are retained.
Source
Salary Package Group Personal Accident Insurance Policy — Package Wise Insurance Cover Details 2026-27
Page / section
Pages 1-2 — package-wise , , and
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Current accident-insurance add-onsOn an admissible personal-accident claim: burns plastic surgery up to ₹10 lakh; imported medicines up to ₹5 lakh; coma over 48 hours up to ₹5 lakh; air ambulance up to ₹10 lakh; dependent-child higher education ages 18-25 equals 25% of PAI, capped at ₹8 lakh or ₹10 lakh for a girl; girl-child marriage ages 18-25 equals 20% of PAI, capped at ₹10 lakh for two girls or ₹5 lakh for one; transport for two immediate family members ₹50,000; mortal-remains transport ₹50,000; ambulance ₹50,000; Xpress-loan action cover ₹10 lakh; additional action-death cover ₹10 lakh; foreign-soil duty-death cover ₹10 lakh. The last two action covers are mutually exclusive.Effective 4 Apr 2026View source
Every add-on amount, percentage, age band, qualifying duration and mutual-exclusion note is retained.
Source
Salary Package Group Personal Accident Insurance Policy — Package Wise Insurance Cover Details 2026-27
Page / section
Page 3 — add-on covers and notes
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Air-accident eligibility conditionAir-accident cover requires the ticket to be purchased through the salary-package account using its debit card, cheque or internet banking, unless travel is in a combat aircraft, service aircraft or chartered flight, or arranged by the department for official duty.Effective 4 Apr 2026View source
Payment channels and all official-duty aircraft exceptions are retained.
Source
Salary Package Group Personal Accident Insurance Policy — Package Wise Insurance Cover Details 2026-27
Page / section
Page 1 — air-accident note
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Insurance eligibility and account conditionsComplimentary cover is a privilege, not a right, and applies to the primary salary-package holder with the correct CBS product code. At least one salary or pension credit must fall strictly within 90 days before the accident, except for accounts opened in the last 90 days. Final cover is the lower eligibility produced by the last three months' net salary credits or the account's system classification. Joint holders, minor SBI Rishtey holders and DSP Navy sailors below age 18 are excluded. Existing, newly opened and converted eligible accounts are covered.Effective 4 Apr 2026View source
Every coverage, credit-recency, classification, multiple-account and excluded-holder condition is retained.
Source
Salary Package Insurance — General Guidelines and Add-on Cover Terms 2026-27
Page / section
Pages 1-2, clauses 1-11
Accessed
14 Aug 2026
Confidence
high
Open official source ↗
Insurance aggregate and multiple-account limitsAir-accident insurance has an any-one-accident aggregate of ₹25 crore and any-one-year aggregate of ₹50 crore, distributed pro rata at the insurer's discretion if invoked, in addition to package PAI. For eligible DSP/CAPSP/ICGSP pension holders with a second salary-package account, combined PAI is capped at ₹100 lakh; otherwise, for multiple accounts under one CIF the salary-credit account controls, or the higher single-account entitlement where both receive salary/pension.Effective 4 Apr 2026View source
Every per-accident, annual and multi-account cap plus distribution rule is retained.
Source
Salary Package Insurance — General Guidelines and Add-on Cover Terms 2026-27
Page / section
Pages 1-3, clauses 9-10 and 18-19
Accessed
14 Aug 2026
Confidence
high
Open official source ↗
Claim submission, deadlines and settlementClaim forms may go directly to the insurer/broker or through an SBI branch; SBI only guides and is not a dispute party. Claims are generally intimated within 90 days and supporting documents within 180 days of death. Accidents/deaths from 4 April-30 June 2027 receive an extra 60 days: 150 days for intimation and 240 days for documents. The insurer should request deficiencies within 10 working days of receipt and settle within 15 working days after receiving a complete set. Insurance is free; disputes go to the insurer's Internal Ombudsman, Insurance Ombudsman or IRDA route. Claim credit requires an account at an SBI branch.Effective 4 Apr 2026View source
Every route, deadline, extended window, insurer turnaround, dispute forum and payment-account condition is retained.
Source
Salary Package Insurance — General Guidelines and Add-on Cover Terms 2026-27
Page / section
Pages 3-4, clauses 20-27
Accessed
14 Aug 2026
Confidence
high
Open official source ↗
Beneficiary and claim allocationInsurance proceeds are first appropriated to outstanding loans of the deceased or disabled holder. For a sole account, the registered nominee is beneficiary; for a joint account, surviving holder(s) take priority even if a nominee exists; if all joint holders die, the nominee applies; other cases follow the insurer's legal-heir procedure.Effective 4 Apr 2026View source
Loan appropriation and every published beneficiary branch are retained.
Source
Salary Package Insurance — General Guidelines and Add-on Cover Terms 2026-27
Page / section
Pages 1 and 3-4, clauses 7 and 26
Accessed
14 Aug 2026
Confidence
high
Open official source ↗
Add-on cover conditionsAll add-ons require an admissible PAI death claim. Burn plastic-surgery reimburses actual pre-death cost up to ₹10 lakh; imported-medicine freight up to ₹5 lakh requires an invoice; coma must exceed 48 hours and pays ₹5 lakh; air ambulance up to ₹10 lakh is India-only and excludes return home. Graduation cover requires a full-time recognised course and age 18-25; marriage cover requires a dependent girl aged 18-25 at the accident. Family transport covers two immediate family members up to ₹50,000; mortal-remains transport is hospital-to-residence up to ₹50,000; ambulance is up to ₹50,000. Xpress-loan cover pays outstanding principal, interest and charges to accident date up to ₹10 lakh for a qualifying SBI-branch loan. Action-death and foreign-soil-duty ₹10 lakh covers are mutually exclusive.Effective 4 Apr 2026View source
Every reimbursement basis, evidence rule, geographic restriction, age/course condition, eligible person, cap and mutual-exclusion note is retained.
Source
Salary Package Insurance — General Guidelines and Add-on Cover Terms 2026-27
Page / section
Pages 5-6 — all 12 add-on clauses and notes
Accessed
14 Aug 2026
Confidence
high
Open official source ↗
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
Open official source ↗
Salary requirementSalary account for personnel of the Indian Army, Indian Navy, Indian Air Force, Assam Rifles, Rashtriya Rifles and GREF/BRO; retired personnel may use DSP-Pension.View source
names the defence services and organisations eligible for the salary package and references -Pension for retirees.
Source
Defence Salary Package
Page / section
Eligibility / customer group
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
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
Open official source ↗
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
Open official source ↗
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
Open official source ↗
Account typeSalary accountView source
The manually reviewed product name/benefits state: “Salary account”.
Source
Defence Salary Package — official product page
Page / section
Published account type and access benefits
Accessed
12 Aug 2026
Confidence
high
Open official source ↗
ATM limitsZero-balance service account with unlimited SBI ATM transactionsView source
The manually reviewed product name/benefits state: “Zero-balance service account with unlimited transactions”.
Source
Defence Salary Package — official product page
Page / section
Published account type and access benefits
Accessed
12 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Zero-balance service account with unlimited transactions
  • Service- and rank-specific Gold through Rhodium variants
  • Serving-personnel, Agniveer and pensioner-veteran package paths
  • Conditional insurance, loan-fee, locker, sweep and banking-service benefits

Eligibility

  • Eligibility and account tier depend on the exact service, organisation and rank mapping published by .
  • Sailors joining the Navy before majority receive a account without insurance.
  • The 2026-27 accident-policy table states ₹1 crore , while the page still says ₹1.50 crore; the current policy amount is used and the conflict is disclosed.
  • latest displayed group-life period ended 30 April 2026, so the page's ₹10 lakh claim is not represented as currently verified.
  • The linked Agniveer insurance notice expired on 3 April 2026, so current cover must be confirmed with .
  • More than three consecutive months without the required salary or pension credit causes conversion to normal savings and withdrawal of package benefits.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • Proof of salary and employment for serving personnel
  • Proof of pension and Pension Payment Order for veterans
  • Applicable conversion form

Related official documents

Revision in ATM/ADWM Transaction Service Chargesofficial-service-charge-notice · current · accessed 25 Sept 2026
↗
SBI New Features of Defence Salary Package for Agniveersofficial-product-benefit-notice · uncertain · accessed 12 Aug 2026
↗
SBI Forces-wise Description of Insurance Coverage — Annexure Bofficial-insurance-coverage-table · uncertain · accessed 12 Aug 2026
↗
Revised IMPS Transaction Charges On Or After 15.02.2026 (Retail Customer)official-service-charge-document · current · accessed 1 Sept 2026
↗
SBI Salary Package Insurance — General Guidelines and Add-on Cover Terms 2026-27official-insurance-general-guidelines · current · accessed 14 Aug 2026
↗
SBI Salary Package Group Personal Accident Insurance Policy — Package Wise Insurance Cover Details 2026-27official-insurance-policy-cover-table · current · accessed 12 Aug 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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Interest you may earn₹2,500two thousand five hundred rupees
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· ₹100 lakh

This value is copied from Forces Salary Packages — department-wise insurance coverage. Check the table notes before relying on it.

Source: Forces-wise Description of Insurance Coverage — Annexure B · Page 1 — department-wise // table Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 16 rows · 5 columnsSBI Forces Salary Packages — department-wise insurance coveragePAI, AAI and group-term-life amounts in Annexure B as on 26 August 2025; coverage can be account/share-data dependent where the annexure says so.View tableHide table

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SBI Forces Salary Packages — department-wise insurance coverage
DepartmentCoverage note
₹100 lakh₹150 lakh₹10 lakhEffective dates 4 February 2025 / 24 February 2025
₹100 lakh₹150 lakh₹10 lakhEffective dates 4 March 2025 / 22 March 2025
₹100 lakh₹150 lakh₹10 lakhEffective dates 4 April 2025 / 23 April 2025
₹100 lakh₹150 lakh₹10 lakhEffective dates 4 April 2025 / 23 April 2025
Navy civilians₹100 lakh₹160 lakh₹10 lakhEffective dates 4 April 2025 / 23 April 2025
Navy₹100 lakh₹150 lakh₹10 lakhEffective dates 4 April 2025 / 22 June 2025
Airforce₹100 lakh₹150 lakhNIL not provided till the annexure date
Army₹100 lakh₹150 lakh₹10 lakh data partially received; shared accounts covered from 22 August 2025
Indian Coast Guard ()₹100 lakh₹150 lakh₹10 lakhEffective dates 4 April 2025 / 22 May 2025
SFF₹100 lakh₹150 lakhNIL not provided till the annexure date
Assam Rifles₹100 lakh₹150 lakh₹10 lakhShared accounts covered from 22 July 2025
/₹100 lakh₹150 lakh₹10 lakhEffective dates 4 June 2025 / 22 August 2025
/₹100 lakh₹150 lakh₹10 lakhEffective dates 4 February 2025 / 22 May 2025
₹100 lakh₹150 lakh₹10 lakhEffective dates 4 June 2025 / 22 June 2025
IB₹100 lakh₹150 lakh₹10 lakhEffective dates 4 May 2025 / 22 May 2025
Cabinet Secretariat₹100 lakh₹150 lakh₹10 lakh effective date not provided till the annexure date
  • The annexure is dated 26 August 2025 and says / cover is for accounts shared so far in the noted cases. Verify current renewal and account-coverage status before relying on an amount.
Forces-wise Description of Insurance Coverage — Annexure B · Page 1 — department-wise // table · effective 26 Aug 2025 · accessed 26 Aug 2026Open official source ↗
Table 2 · 13 rows · 2 columnsSBI DSP–Agniveer account benefits and insuranceBenefits and cover limits printed in the two-page Agniveer feature sheet.View tableHide table

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SBI DSP–Agniveer account benefits and insurance
Feature / coverPublished value
EligibilityAgniveers of the Indian Army, Indian Navy and Indian Air Force
Minimum balanceNil; no monthly average balance required
Debit cardInternational Gold Debit Card on request; free issue; no annual maintenance; free joint-account-holder card
transactionsUnlimited free transactions across
Cheques25 cheque leaves free per month; payable at par at all branches
Locker rent10% concession on applicable annual locker rate
Transfers and draftsStanding instruction, / and unlimited drafts through the salary-package account are free
Personal accident death cover₹100 lakh
Air accidental death cover₹150 lakh / ₹1.50 crore
Permanent total disabilityUp to ₹100 lakh
Permanent partial disabilityUp to ₹100 lakh
Add-on coversPlastic surgery up to ₹10 lakh; imported medicine up to ₹5 lakh; coma after accident up to ₹5 lakh; air ambulance up to ₹10 lakh; education up to ₹8 lakh (girl child up to ₹10 lakh); girl-child marriage up to ₹10 lakh for two children; family transport and mortal remains up to ₹50,000 each; ambulance up to ₹50,000; specified Xpress Credit and death-in-action add-ons up to ₹10 lakh each
Policy windowPersonal accident cover stated as available from 4 November 2025 to 3 April 2026, with continuation subject to review/renewal; terms and conditions apply
New Features of Defence Salary Package for Agniveers · Pages 1–2 — –Agniveer features and insurance table · effective 11 Dec 2025 · accessed 26 Aug 2026Open official source ↗
Table 3 · 9 rows · 11 columnsSBI Salary Package — PAI and AAI cover by packagePackage-wise personal-accident and air-accident death cover in ₹ lakh for policy 580000/48/2027/45, 4 April 2026–3 April 2027.View tableHide table

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SBI Salary Package — PAI and AAI cover by package
Package Silver Gold Diamond Platinum Rhodium Silver Gold Diamond Platinum Rhodium
SGSP15152020Nil5203030
/ Home Guard55152020Nil5203030
CSP305080100100305080100100
CGSP / RSP———100100———160160
Royale (CGSP/)———130130———190190
/ / ———100100———100100
// pension accounts———5050———NilNil
Rishtey———5 (except minors)5 (except minors)———NilNil
Comprehensive Pension Package———3030———NilNil
  • The source table uses merged cells for some package/variant rows; values above preserve the printed figures. Account-level cover may be higher under organisation MoUs, and the source advises confirming the current package with the employer or home branch.
Salary Package Group Personal Accident Insurance Policy — Package Wise Insurance Cover Details 2026-27 · Page 1 — and tables · effective 4 Apr 2026 · accessed 26 Aug 2026Open official source ↗
Table 4 · 17 rows · 2 columnsSBI Salary Package — disability and add-on cover limitsPTD/PPD and add-on covers printed in the 2026–27 package-wise insurance PDF.View tableHide table

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SBI Salary Package — disability and add-on cover limits
CoverPublished limit or condition
CSP / Silver 30/15; Gold 50/25; Diamond 80/40; Platinum 100/50; Rhodium 100/50 lakh
CGSP / RSP / ₹100 lakh / ₹80 lakh
Royale / ₹130 lakh / ₹110 lakh
/ / / ₹100 lakh / ₹100 lakh
Pension accounts and Rishtey / Nil
Plastic surgery / burnUp to ₹10 lakh
Imported medicineUp to ₹5 lakh
Death after coma₹5 lakh when coma lasts more than 48 hours after accident
Air ambulanceUp to ₹10 lakh
Child higher education25% of ; up to ₹8 lakh, girl child up to ₹10 lakh; age 18–25 and graduation conditions apply
Girl-child marriage20% of ; up to ₹10 lakh for two children or ₹5 lakh for one; age 18–25; pension-package cap may be ₹5 lakh
Family transport / mortal remains / ambulanceUp to ₹50,000 each
personal-loan coverUp to ₹10 lakh for specified /// death-in-action cases
Death-in-action additional ₹10 lakh for specified /// cases
Foreign-soil duty cover₹10 lakh for eligible claims; mutually exclusive with the death-in-action cover
claim conditionTicket must be purchased using salary/pension account cheque, debit card or internet banking, unless service/combat/chartered aircraft or official-duty ticket applies; AoA ₹25 crore and AoY ₹50 crore aggregate limits
Claim timingGenerally notify within 90 days; supporting documents within 180 days; insurer requests deficiencies within 10 working days and settles complete claims within 15 working days
Salary Package Insurance — General Guidelines and Add-on Cover Terms 2026-27 · Pages 1–6 — eligibility, claims and add-on covers · effective 4 Apr 2026 · accessed 26 Aug 2026Open official source ↗
Table 5 · 1 row · 3 columnsSBI Savings Bank Deposits — interest rateOfficial savings-bank rate applicable across account balances.View tableHide table

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SBI Savings Bank Deposits — interest rate
Balance scopeInterest rateEffective from
Across all account balances2.50% p.a.15 June 2025
  • The issuer's page states the last update as 14 June 2025; product-specific terms and applicable tax rules still govern each account.
Savings Bank Deposits — Interest Rates · Savings Bank Deposits table · effective 15 Jun 2025 · accessed 29 Aug 2026Open official source ↗
Table 6 · 3 rows · 3 columnsSBI Salary Package account service concessionsRelevant service-charge rows for salary-package accounts, transcribed from SBI's official schedule.View tableHide table

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SBI Salary Package account service concessions
ServicePublished concessionException
Debit-card issuanceFree for all Salary Package accountsApplicable account and card terms still apply
Cheque bookFree irrespective of Bulk requirement above 25 leaves: ₹75 + per 25-leaf book
Debit-card annual maintenanceFree for Salary Package accountsRecovered from second year for non-salary variants
  • The table preserves only the salary-package rows relevant to these canonical products; the source contains the wider bank service-charge schedule.
Service Charges — account facilities and concessions · Pages 3 and 9, salary-package cheque and debit-card rows · effective 30 Sept 2025 · accessed 29 Aug 2026Open official source ↗
Table 7 · 5 rows · 4 columnsSBI other-bank ATM/ADWM allowance and chargesCurrent rows from SBI's 1 December 2025 notice. GST is added where the notice says plus GST.View tableHide table

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SBI other-bank ATM/ADWM allowance and charges
Account groupFree monthly transactionsCash withdrawal after allowanceNon-financial transaction after allowance
Salary Package savings accounts — all variants10 combined financial/non-financial₹23 + ₹11 +
Current accounts — personal and businessNone₹23 + per transaction₹11 + per transaction
accountsFirst four cash withdrawals; digital transactions excludedExisting charge after four; amount not restated in this noticeNot applicable to the four-cash-withdrawal rule
accountsUnlimited other-bank transactionsFreeNot separately stated
Cardless cash withdrawal at or other-bank /ADWMUnlimited until further noticeFreeFree
  • /ADWM charges for debit-card holders are unchanged by this notice.
  • The reimbursement current account of a Salary Package remains free.
  • The branch-channel notice effective 1 October 2026 separately sets ₹15 + for each cash withdrawal above four per month.
Revision in /ADWM Transaction Service Charges · Pages 1-2 — all account-group rows and exceptions · effective 1 Dec 2025 · accessed 1 Sept 2026Open official source ↗

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