Savings, current & salary accounts

Rishtey Family Savings Account

A zero-balance family savings account that an eligible Gold-or-higher Salary Package customer can link for up to four close relatives.

Interest rate2.50% p.a. across all savings-bank account balances, effective 15 June 2025 Minimum balance and MABNil minimum balance and nil minimum average balance, with no MAB non-maintenance penalty Salary requirementAvailable to an SBI Salary Package customer in the Gold variant or any higher variant; the family account is linked to that qualifying salary-package relationship.

Official product page ↗Compare category

✓ Manually checked 12 Aug 2026 · active

Offered byState Bank of India

India; available only through an eligible linked Salary Package customer

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 sponsoring customerAn SBI Salary Package customer in the Gold variant or any higher variantView source

The Salary Accounts repeats the Gold-or-higher restriction; this is not available to every regular savings customer.

Source: Rishtey
Page / section: Eligibility
Accessed: 12 Aug 2026
Confidence: high

Open official source ↗

Eligible relativesParents, spouse, siblings and children of the eligible primary Salary Package account holderView source

names these four relationship classes and does not list other relatives.

Source: Rishtey
Page / section: Eligibility and Included family Members
Accessed: 12 Aug 2026
Confidence: high

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Maximum linked family accountsUp to four individual SBI Rishtey accounts may be linked to the primary Salary Package accountView source

The four-account limit is per primary Salary Package account holder.

Source: Rishtey
Page / section: Eligibility and benefit table row 3
Accessed: 12 Aug 2026
Confidence: high

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Minimum balance and MABNil minimum balance and nil minimum average balance, with no MAB non-maintenance penaltyView source

separately publishes both minimum balance and as nil.

Source: Rishtey
Page / section: Benefits table rows 4-5
Accessed: 12 Aug 2026
Confidence: high

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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

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Debit-card issuance and maintenanceIssuance and maintenance charges waivedView source

The waiver is stated for debit-card issuance and maintenance; replacement or other event charges are not specified here.

Source: Rishtey
Page / section: Benefits table row 6
Accessed: 12 Aug 2026
Confidence: high

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Cheque, transfer, draft and SMS benefitsMulti-city cheque charges nil; online NEFT/RTGS free while offline charges follow the regular savings account; demand-draft issuance waived when debited to the family account; SMS alerts freeView source

The offline / qualification and the debit-to-account condition on drafts are retained rather than presenting every channel as free.

Source: Rishtey
Page / section: Benefits table rows 7-9 and 11
Accessed: 12 Aug 2026
Confidence: high

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Auto-sweep facilityAvailable; the reviewed Rishtey page does not publish the sweep threshold, linked-deposit amount or break rulesView source

No threshold is imported from Savings Plus or another salary-account product.

Source: Rishtey
Page / section: Benefits table row 10
Accessed: 12 Aug 2026
Confidence: high

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Annual locker-rental concession10%View source

states a ten-percent concession on annual locker rental.

Source: Rishtey
Page / section: Benefits table row 12
Accessed: 12 Aug 2026
Confidence: high

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SBI ATM transactionsUnlimited free transactions at the SBI ATM networkView source

The unlimited allowance is explicitly for network.

Source: Rishtey
Page / section: Benefits table row 13
Accessed: 12 Aug 2026
Confidence: high

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Other-bank ATM free-transaction limitMaximum 10 financial or non-financial transactions per month through 30 September 2026; maximum 5 per month from 1 October 2026Effective 1 Oct 2026View source

The Rishtey-specific table and dated footnote control this account. generic Salary Accounts separately says other-bank transactions are unlimited, creating a page-level conflict that should be confirmed if does not update the .

Source: Rishtey
Page / section: Benefits table row 13 and footnote
Accessed: 12 Aug 2026
Confidence: medium

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Personal-accident death cover₹5 lakh for each eligible non-minor Rishtey account member under policy 580000/48/2027/45 from 4 April 2026 through 3 April 2027Effective 4 Apr 2026View source

The current policy table corroborates the product page and explicitly excludes minors. Continuation beyond 3 April 2027 is subject to renewal at discretion.

Source: Salary Package Group Personal Accident Insurance Policy — Package Wise Insurance Cover Details 2026-27
Page / section: Page 1 — Personal Accident Insurance table, Rishtey row
Accessed: 12 Aug 2026
Confidence: high

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Other accident coversThe 2026-27 package table publishes nil air-accident, permanent-total-disability and permanent-partial-disability cover for SBI RishteyEffective 4 Apr 2026View source

Only the published ₹5 lakh personal-accident death cover is represented as available to Rishtey members.

Source: Salary Package Group Personal Accident Insurance Policy — Package Wise Insurance Cover Details 2026-27
Page / section: Pages 1-2 — and / tables, Rishtey rows
Accessed: 12 Aug 2026
Confidence: high

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Insurance activation and claim timingCover depends on correct account categorisation based on the customer's written application; claims must be notified to the insurer within 90 days and related documents submitted within 180 days of the incidentEffective 4 Apr 2026View source

The insurer, not , determines claim admissibility under the policy terms; warns that continuation after the policy period is discretionary.

Source: Salary Accounts Insurance
Page / section: 2026 Personal Accident Insurance note
Accessed: 12 Aug 2026
Confidence: high

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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

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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

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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

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Salary requirementAvailable to an SBI Salary Package customer in the Gold variant or any higher variant; the family account is linked to that qualifying salary-package relationship.View source

states that Rishtey is available to Salary Package customers in the Gold variant or higher.

Source: Rishtey Family Savings Account
Page / section: Eligibility / qualifying Salary Package customer
Accessed: 29 Aug 2026
Confidence: high

Open official source ↗

Non-maintenance chargeDebit-card issuance and maintenance charges are waived, and the account has no minimum-balance non-maintenance penalty.View source

benefits table lists nil minimum balance, nil with no penalty for non-maintenance, and waived debit-card issuance and maintenance charges.

Source: Rishtey — Family Savings Account benefits
Page / section: Benefits table — Minimum Balance; Debit Card;
Accessed: 29 Aug 2026
Confidence: high

Open official source ↗

Cheque bookMulti-city cheque charges are nil; the Rishtey benefits table does not state a leaf limit or separate cheque-book issuance charge.View source

The official Rishtey table publishes Multi City Cheque Charges as nil and does not publish a cheque-leaf limit.

Source: Rishtey — Family Savings Account benefits
Page / section: Benefits table — Multi City Cheque Charges
Accessed: 29 Aug 2026
Confidence: high

Open official source ↗

IMPS charges from 15 February 2026Online IMPS is free up to ₹25,000; above ₹25,000 to ₹1,00,000 costs ₹2 + GST, above ₹1,00,000 to ₹2,00,000 costs ₹6 + GST and above ₹2,00,000 to ₹5,00,000 costs ₹10 + GST. Branch-channel charges are free up to ₹1,000, then ₹2 + GST (₹1,000–₹10,000), ₹4 + GST (₹10,000–₹25,000), ₹4 + GST (₹25,000–₹1,00,000), ₹12 + GST (₹1,00,000–₹2,00,000) and ₹20 + GST (₹2,00,000–₹5,00,000).Effective 15 Feb 2026View source

The table publishes separate online and branch slabs; the online charge begins only above ₹25,000 and is stated for the non-free slabs.

Source: Revised Transaction Charges On Or After 15.02.2026 (Retail Customer)
Page / section: Annexure II — retail slab table
Accessed: 1 Sept 2026
Confidence: high

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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

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Account typeSavings accountView source

The manually reviewed product name/benefits state: “Savings account”.

Source: Rishtey Family Savings Account — official product page
Page / section: Published account type and access benefits
Accessed: 12 Aug 2026
Confidence: high

Open official source ↗

Debit cardDebit-cardView source

The manually reviewed product name/benefits state: “Debit-card”.

Source: Rishtey Family Savings Account — official product page
Page / section: Published account type and access benefits
Accessed: 12 Aug 2026
Confidence: high

Open official source ↗

ATM limitslocker concession and unlimited SBI ATM transactionsView source

The manually reviewed product name/benefits state: “locker concession and unlimited transactions”.

Source: Rishtey Family Savings Account — 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 and no penalty
Debit-card, cheque, online-transfer, draft and fee benefits
Auto sweep, locker concession and unlimited transactions
Current ₹5 lakh personal-accident death cover for eligible non-minors

Eligibility

The sponsoring Salary Package account must be Gold or a higher variant.
Only parents, spouse, siblings and children are listed, with no more than four individual linked accounts.
The Rishtey-specific table limits other-bank transactions to ten monthly until 30 September 2026 and five from 1 October 2026; generic salary conflicts by saying unlimited.
Minors are excluded from the ₹5 lakh personal-accident death cover, and the current policy ends 3 April 2027 unless renewed.
The reviewed page does not publish auto-sweep thresholds or a dedicated required-document checklist.

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

Documents the bank lists

account-opening or conversion application and or relationship evidence requested by the branch; the reviewed Rishtey page does not publish a dedicated checklist

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

Account interest estimate

See roughly how much interest a steady account balance could earn over the period you choose.

Balance kept in the accountUse the amount you expect to keep there on average.₹one lakh rupees₹1,000₹1,00,00,000Yearly interest rateThe percentage the account pays in one year.%0.1%15%How long the money staysThe number of months used for this estimate. months1 months60 months

Interest you may earn₹2,500two thousand five hundred rupees

Balance including interest₹1,02,500one lakh two thousand five hundred rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

TablePackageChoose column

SGSP · Silver1

This value is copied from Salary Package — and cover by package. Check the table notes before relying on it.

Source: Salary Package Group Personal Accident Insurance Policy — Package Wise Insurance Cover Details 2026-27 · Page 1 — and tables Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 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
SGSP	1	5	15	20	20	Nil	5	20	30	30
/ Home Guard	5	5	15	20	20	Nil	5	20	30	30
CSP	30	50	80	100	100	30	50	80	100	100
CGSP / RSP	—	—	—	100	100	—	—	—	160	160
Royale (CGSP/)	—	—	—	130	130	—	—	—	190	190
/ /	—	—	—	100	100	—	—	—	100	100
// pension accounts	—	—	—	50	50	—	—	—	Nil	Nil
Rishtey	—	—	—	5 (except minors)	5 (except minors)	—	—	—	Nil	Nil
Comprehensive Pension Package	—	—	—	30	30	—	—	—	Nil	Nil

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 2 · 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
Cover	Published 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 / burn	Up to ₹10 lakh
Imported medicine	Up to ₹5 lakh
Death after coma	₹5 lakh when coma lasts more than 48 hours after accident
Air ambulance	Up to ₹10 lakh
Child higher education	25% of ; up to ₹8 lakh, girl child up to ₹10 lakh; age 18–25 and graduation conditions apply
Girl-child marriage	20% 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 / ambulance	Up to ₹50,000 each
personal-loan cover	Up 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 condition	Ticket 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 timing	Generally 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 3 · 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 scope	Interest rate	Effective from
Across all account balances	2.50% 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 4 · 6 rows · 3 columnsSBI retail IMPS service-charge slabsProposed charges effective 15 February 2026; GST applies where shown.View tableHide table

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SBI retail IMPS service-charge slabs
amount	Online channel	Branch channel
Up to ₹1,000	Free	Free
Above ₹1,000 to ₹10,000	Free	₹2 +
Above ₹10,000 to ₹25,000	Free	₹4 +
Above ₹25,000 to ₹1,00,000	₹2 +	₹4 +
Above ₹1,00,000 to ₹2,00,000	₹6 +	₹12 +
Above ₹2,00,000 to ₹5,00,000	₹10 +	₹20 +

Online charges are waived for the salary-package and Rishtey variants named in the footnote.
This retail document does not state charges above ₹5,00,000.

Revised Transaction Charges On Or After 15.02.2026 (Retail Customer) · Annexure II — complete online/branch table · effective 15 Feb 2026 · accessed 1 Sept 2026Open official source ↗

Rishtey Family Savings Account

What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

Related official documents

Try the numbers

Account interest estimate

Find the exact published value

Complete rates, limits and schedules

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