Key facts
What the official sources publish
Every value below belongs to this exact product. Select a source marker to check its context.
Eligible sponsoring customerAn SBI Salary Package customer in the Gold variant or any higher variant
Source 1Eligible relativesParents, spouse, siblings and children of the eligible primary Salary Package account holder
Source 2Maximum linked family accountsUp to four individual SBI Rishtey accounts may be linked to the primary Salary Package account
Source 3Minimum balance and MABNil minimum balance and nil minimum average balance, with no MAB non-maintenance penalty
Source 4Savings interest rate2.50% p.a. across all account balancesEffective 15 Jun 2025
Source 5Debit-card issuance and maintenanceIssuance and maintenance charges waived
Source 6Cheque, 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 free
Source 7Auto-sweep facilityAvailable; the reviewed Rishtey page does not publish the sweep threshold, linked-deposit amount or break rules
Source 8Annual locker-rental concession10%
Source 9SBI ATM transactionsUnlimited free transactions at the SBI ATM network
Source 10Other-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 2026
Source 11Personal-accident death cover₹5 lakh for each eligible non-minor Rishtey account member under policy 580000/
Source 12Other accident coversThe 2026-27 package table publishes nil air-accident, permanent-total-disability and permanent-partial-disability cover for SBI RishteyEffective 4 Apr 2026
Source 13Insurance 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 2026
Source 14Insurance 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 2026
Source 15Special covered accident eventsFor Defence and CAPSP, non-declared-war aircraft or ship accidents cover pilots and crew, foreign peacekeeping, civilian natural-disaster rescue and similar civilian operations. Death attributable to high-altitude conditions and snake bite is covered. For DSP, CAPSP, ICGSP and PSP personnel serving in North-eastern states, poisonous-insect bites are covered but mosquito bites are excluded. Commercial-airline and ship salary-account crew are covered. Air-accident claims require salary-account ticket debit, a service/combat/chartered flight needing no personal ticket, or department-provided official-duty travel.Effective 4 Apr 2026
Source 16Insurance 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/
Source 17Claim submission, deadlines and settlementClaim forms may go directly to the insurer/
Source 18Beneficiary 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 2026
Source 19Add-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 2026
Source 20Benefits and features
- Zero balance and no MAB penalty
- Debit-card, cheque, online-transfer, draft and SMS fee benefits
- Auto sweep, locker concession and unlimited SBI ATM 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 ATM transactions to ten monthly until 30 September 2026 and five from 1 October 2026; SBI's generic salary FAQ 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
- SBI account-opening or conversion application and KYC or relationship evidence requested by the branch; the reviewed Rishtey page does not publish a dedicated checklist