Key facts
What the official sources publish
Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.
AMB / AQB / minimum balanceGeneral, pension, Nari Shakti and salary accounts publish nil/
The reviewed product pages and current service-charge annexures publish nil minimum balance for applicable schemes and the tiers/thresholds.
- Source
- BOI savings-account catalogue and linked pages
- Page / section
- Savings and salary account benefits
- Accessed
- 30 Aug 2026
- Confidence
- high
Group personal-accident coverGovernment and private salary accounts: current BOI GPA table publishes up to ₹50 lakh death, ₹50 lakh permanent-total-disability, ₹25 lakh partial-disability, ₹2 crore air-accident and up to ₹10 lakh child higher-education benefits. Rakshak uses the same current ₹50 lakh base and ₹2 crore air cover, with service-specific conditions.View source
The current United India Insurance table lists SB163, SB165 and SB161 covers and validity.
- Source
- Group Personal Accident Insurance in savings accounts — BOI
- Page / section
- Current coverage table valid 07 September 2025 to 06 September 2026
- Accessed
- 30 Aug 2026
- Confidence
- high
Salary-account concessionsSalary-account service charges are listed as free in the current digital-banking annexure for Government, Private and Staff salary schemes; exact concessions depend on the scheme code and card variant.View source
The charge table marks Government, Private and Staff salary account concessions as FREE and identifies the scheme codes.
- Source
- Annexure VII — Digital Banking Product Service Charges
- Page / section
- p. 1–2 — salary schemes
- Accessed
- 30 Aug 2026
- Confidence
- high
Account typeSavings account; salary-account products are salary savings accounts.View source
The official catalogue separates Savings Account and Salary Account and lists each product under the corresponding heading.
- Source
- BOI accounts catalogue
- Page / section
- Personal accounts catalogue
- Accessed
- 30 Aug 2026
- Confidence
- high
Interest rateBOI describes the savings component as earning the savings rate advised by the Bank from time to time; the reviewed product pages do not publish a fixed numeric percentage. Savings Plus applies the prevailing savings rate to its SB component and applicable card rates to its FFD component.View source
The reviewed account pages describe interest as competitive or as advised by BOI; no fixed rate table is embedded in the product pages.
- Source
- BOI savings-account catalogue
- Page / section
- Benefits / current rate link
- Accessed
- 30 Aug 2026
- Confidence
- high
Non-maintenance chargeNo daily minimum-balance charge is published for the general, pension, Nari Shakti or salary accounts; the savings-account pages explicitly state nil/
The current annexure exempts Basic/Jan Dhan, pensioner, salary, minor and staff accounts; the reviewed product pages state no daily minimum balance for the applicable schemes.
- Source
- Annexure I — General Banking service charges
- Page / section
- Minimum-balance exemptions and account-category charges
- Accessed
- 30 Aug 2026
- Confidence
- high
Cheque bookCheque concessions depend on the savings-account tier: first 25 leaves for Normal, 25 annually for Classic, 25 per quarter for Gold, 50 per quarter for Diamond and unlimited for Platinum. Pension and salary variants publish their own concessions; confirm the account category at opening.View source
The account-category table publishes the free-leaf counts and the linked scheme pages state that concessions vary by category.
- Source
- Savings Bank Account General — BOI
- Page / section
- Features table — free cheque leaves
- Accessed
- 30 Aug 2026
- Confidence
- high
ATM limits / transactionsThe reviewed account pages publish up to 10 free BOI-ATM transactions per month and up to 5 at other-bank ATMs for pension and Nari Shakti accounts; other account variants follow the applicable BOI debit-card variant and current RBI/
The pension and Nari Shakti tables publish 10 BOI- and 5 other-bank free transactions; card limits vary by issued card.
- Source
- Pensioners Savings Account — BOI
- Page / section
- / debit-card benefits
- Accessed
- 30 Aug 2026
- Confidence
- high
Debit cardThe account-category tables link cards by tier: RuPay NCMC for Normal, Visa Classic/RuPay NCMC for Classic, RuPay Platinum/RuPay NCMC for Gold, RuPay Select/RuPay NCMC for Diamond and Visa Signature/RuPay NCMC for Platinum. First issuance is waived for applicable schemes; annual maintenance follows the issued card and AQB.View source
The official table maps account categories to card variants and states first-issuance waiver conditions.
- Source
- Savings Bank Account General — BOI
- Page / section
- / Debit / Credit Card table
- Accessed
- 30 Aug 2026
- Confidence
- high
Salary requirementElite: Central Government employee with employer confirmation and signed undertaking. Government: government-sector employee with salary mandate under the applicable BOI scheme code. Rakshak: defence, police or paramilitary salary customer under the Rakshak scheme. Private: employee on regular private-sector payroll with employer salary mandate.View source
The official salary catalogue describes the four audiences; the Elite page adds the undertaking and employer-confirmation requirement.
- Source
- Salary Account — BOI
- Page / section
- Salary product catalogue and linked eligibility
- Accessed
- 30 Aug 2026
- Confidence
- high
Benefits and features
- No daily minimum-balance requirement
- Current table: ₹50 lakh death cover, ₹50 lakh permanent-total-disability, ₹25 lakh partial-disability, ₹2 crore air-accident and up to ₹10 lakh child higher-education benefit
Eligibility
- Defence, police or paramilitary salary customers under the Rakshak scheme and applicable BOI scheme code.
Passing a listed condition does not mean the bank will approve an application.
Documents the bank lists
- , salary mandate and employer/service confirmation requested by BOI
Related official documents
Annexure VII — Digital Banking Product Service Chargesofficial-pdf · current · accessed 30 Aug 2026
↗Annexure I — General Banking service chargesofficial-pdf · current · accessed 30 Aug 2026
↗Group Personal Accident Insurance in savings accounts — BOIofficial-product-page · current · accessed 30 Aug 2026
↗Salary Account — official BOI catalogueofficial-product-page · current · accessed 30 Aug 2026
↗