Saving Account Details

PNB SALARY ACCOUNT

  • Eligibility
  • Variants/Drawing Gross Salary per Month
  • Initial Deposit
  • Minimum Quarterly Average Balance
  • Nomination
  • Sweep Facility (Optional)
  • Personal Accidental Insurance (PAI) Cover
  • Free Cheque Leaves (Except for Bulk Requirement–EMIs payable to other Banks/FIs/NBFC)
  • RTGS through salary A/c- free of cost (other than business purpose)
  • NEFT through salary A/c- free of cost (other than business purpose)
  • Issue of Demand Draft routed through salary A/c- free of cost (other than business purpose)
  • Demat Account
  • Issuances of all types of Certificates
  • Issuances of Debit Card and Annual Maintenance Charge
  • Documentation & Processing Charges on Housing, Car& Personal Loan(Min. 3 months regular salary credit)
  • Locker Rent for the first year
  • Issue of free statement in addition to pass book
  • Retail Internet Banking
  • SMS Alert
  • Instant Credit of outstation cheques
  • Issuance of Free Credit Card subject to eligibility
  • Domestic ATM - cash withdrawal per day
  • Domestic Shopping Limit POS per day
  • Scheme Code
  • ** DOCUMENTATION & PROCESSING CHARGES
  • OTHER TERMS & CONDITIONS
  • Employees of central/state Govt./PSU/ Govt.-semi Govt. Corporation/MNCs/ Corporate/ Educational Institutions/ Any other Institutions (regular as well as contractual employee)
Silver 25 Rs.10,000/- to Rs.25,000/-
Gold 50 Rs. 25,001/- to Rs.50,000/-
Premium 100 Rs.50,001/- to Rs.1,00,000/-
Platinum 200 Rs.1,00,001/- to Rs. 200000/-
Titanium Rs. 200001/- & above
  • Zero
  • Zero
  • Allowed

1. Savings Bank accounts opened / maintained under the scheme will have Sweep-In / Out facility.

2. As per mandate given by primary account holder, sweep facility will be allowed for tenor 7 days to 365 days. The Sweep out shall be after threshold deposit of Rs. 20,000/- in salary account, in multiple of Rs 1,000/-.

3. Account holder will get the prevailing card rate of interest upon Flexi Fixed Deposit No interest shall be paid if FFD is broken before 7 days.

4. Sweep out shall be on daily basis and by default period of Flexi Fixed Deposit shall be 365 days.

VARIANTS PAI COVER
Silver 25 Rs. 30.00 lakhs
Gold 50 Rs. 40.00 lakhs
Premium 100 Rs. 45.00 lakhs
Platinum 200 Rs. 45.00 lakhs
Titanium Rs. 50.00 lakhs

The above coverage is in addition to the insurance cover provided to debit card holder (Rupay Select debit card Rs. 10 Lakh and Rupay Platinum Debit Card Rs.2.00 Lakh) as per T & C from time to time.

Silver 25 Gold 50 Premium 100 Platinum 200 Titanium
40 p.a.
(Apr – Mar) 		50 p.a.
(Apr – Mar) 		100 p.a
(Apr – Mar) 		Unlimited
Silver 25 Gold 50 Premium 100 Platinum 200 Titanium
2 pr. month 5 pr. month Unlimited
Silver 25 Gold 50 Premium 100 Platinum 200 Titanium
2 pr. month 5 pr. month Unlimited
Silver 25 Gold 50 Premium 100 Platinum 200 Titanium
2 DD pr. qt.
(Max. amt. of 2 drafts- Rs.0.25 lakh)		 4 DD pr. qt.
(Max. amt. of 4 drafts-Rs.0.75 lakh)		 Unlimited
Silver 25 Gold 50 Premium 100 Platinum 200 Titanium
50% discount on Annual Maintenance charge for first year only No Charges
  • No Charges
Product Variant Gross monthly salary (Rs.) Debit Card Variant Charges and Fees
1st year 2nd Year onwards
Silver 25 10,000 to 25,000 RuPay Platinum Debit Card Free AMC to be reimbursed/waived , if QAB of Rs. 15,000 is maintained
Gold 50 25,001 to 50,000 RuPay Platinum Debit Card Free AMC to be reimbursed/waived, if QAB of Rs. 25,000 is maintained
Premium 100 50,001 to 1,00,000 RuPay Platinum Debit Card Free AMC to be reimbursed/waived, if QAB of Rs. 50,000 is maintained
Platinum 200 1,00,001 to 2,00,000 RuPay Select Debit Card Lifetime Free
Titanium >2,00,000 RuPay Select Debit Card Lifetime Free
If the QAB is not maintained as above, AMC Charges will be charged as per the existing guidelines for the service charges.
These will be default debit card variants to salary customer, customer may opt for any other cards as well.
Silver 25 Gold 50 Premium 100 Platinum 200 Titanium
50% Discount 100% Discount

In case higher discount on Documentation & Processing charges on Housing, Car & Personal loan is provided during bonanza, the same will be available to the customer of this scheme.

Silver 25 Gold 50 Premium 100 Platinum 200 Titanium
25% discount on small locker 50% discount on small locker 75% discount on small locker 100% discount on small/medium locker
Silver 25 Gold 50 Premium 100 Platinum 200 Titanium
E-Statement E-Statement E-Statement No Charges No Charges
  • No charges
  • No charges
Silver 25 Gold 50 Premium 100 Platinum 200 Titanium
Upto Rs. 15,000/- Upto Rs. 25,000/-

No joining fee- Life time free credit card will be given

(Both Joining & Annual Fee – NIL)

Product Variant Gross monthly salary (Rs.) Credit Card Variant Credit Card Limit Charges and Fees
Silver 25 10,000 to 25,000 RuPay Platinum Equal to Gross Salary Lifetime Free
Gold 50 25,001 to 50,000 RuPay Platinum Equal to Gross Salary
Premium 100 50,001 to 1,00,000 RuPay Millenial 1.5 times of Gross Salary
Platinum 200 1,00,001 to 2,00,000 RuPay Millenial 1.5 times of Gross Salary
Titanium >2,00,000 RuPay Select 2 times of Gross Salary
These will be default credit card variants to salary customer, customer may opt for any other cards as well, subject to his/her eligibility
Silver 25 Gold 50 Premium 100 Platinum 200 Titanium
As per extant guidelines
Silver 25 Gold 50 Premium 100 Platinum 200 Titanium
As per extant guidelines
Silver 25 Gold 50 Premium 100 Platinum 200 Titanium
SBSVV SBSDV SBSPV SBSMV SBSOV
  • In case higher discount on documentation & processing charges on housing, car & personal loan is provided by HO: RAD during bonanza, the same will be available to the customer of this scheme.
  • PAI will be available to first account holder only till the account remains in the eligible salary scheme code. Thus, insurance cover will not be available in case account transferred to Saving Fund General due to non-receipt of salary in the account.
  • In case, salary is not credited in account for three months in a calendar quarter, the account will be transferred to Saving Fund General and all freebies will be withdrawn by system.
  • Insurance cover available under Debit Card will be settled separately through the concerned HO: Division as per existing guidelines.
  • The accounts converted to Saving Fund General can be considered for re- transferring to new salary variants subject to eligibility and on the request of the customer on case to case basis at branch level.
  • All other guidelines for saving accounts (other than mentioned above) as applicable from time to time will be adhered to.
  • The guidelines issued by the concerned Division for the facilities provided in the product be strictly adhered to and the same will be applicable as issued from time to time.
  • All other service charges except the relaxations given above will be levied as per Bank’s schedule of service charges as applicable from time to time.