Savings, current & salary accounts

Cent Samarth Savings Account

Zero-balance salary savings account with free RuPay Platinum card, auto-sweep and account-wide transaction benefits for eligible employer groups.

Interest rateNot published as a product-specific percentage; applicable savings-deposit rate applies.Minimum balanceZero balance requirement with zero maintenance charges.Salary requirementCent Samarth is offered through eligible employer groups (government/educational/PSU or private corporate/SME, normally minimum 10 employees). Cent Samvridhi and Cent-Yuva have no salary-credit threshold published.

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✓ Manually checked 6 Sept 2026 · active

Offered byCentral Bank of India

India

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Account typeSalary savings account with zero balance and zero maintenance charges for eligible employer groups.View source

The official page calls this a zero-balance salary account.

Source: Cent Samarth Savings Deposits
Page / section: Benefits for salaried individuals
Accessed: 6 Sept 2026
Confidence: high

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Minimum balanceZero balance requirement with zero maintenance charges.View source

The balance row states zero.

Source: Cent Samarth Savings Deposits
Page / section: Balance required
Accessed: 6 Sept 2026
Confidence: high

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EligibilityGovernment entities, educational institutions and PSUs with minimum group of 10 employees, or private corporates and SMEs with minimum group of 10 employees.View source

The eligible-institution table gives the group-size rule.

Source: Cent Samarth Savings Deposits
Page / section: Eligible institutions
Accessed: 6 Sept 2026
Confidence: high

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Auto sweepFixed deposits are auto-created after a ₹25,000 threshold in multiples of ₹5,000.View source

The page publishes the threshold and unit.

Source: Cent Samarth Savings Deposits
Page / section: Salary account features
Accessed: 6 Sept 2026
Confidence: high

Open official source ↗

Interest rateNot published as a product-specific percentage; applicable savings-deposit rate applies.View source

The page gives account benefits but no separate rate.

Source: Cent Samarth Savings Deposits
Page / section: Complete rate review
Accessed: 6 Sept 2026
Confidence: high

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Card feeRuPay Platinum issuance and renewal are stated as no charge; other account charges follow applicable rules.View source

The card row states no issuance or renewal charges.

Source: Cent Samarth Savings Deposits
Page / section: /debit card
Accessed: 6 Sept 2026
Confidence: high

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Salary requirementCent Samarth is offered through eligible employer groups (government/educational/PSU or private corporate/SME, normally minimum 10 employees). Cent Samvridhi and Cent-Yuva have no salary-credit threshold published.View source

The Samarth page publishes employer-group criteria; the other two reviewed pages do not require or state a salary amount.

Source: Cent Samarth Savings Deposits
Page / section: Eligible institutions and account eligibility
Accessed: 6 Sept 2026
Confidence: high

Open official source ↗

Non-maintenance chargeCent Samarth: zero maintenance charge. Cent Samvridhi and Cent-Yuva: non-maintenance charge is not published on the reviewed product pages.View source

Samarth explicitly states zero maintenance; the other pages do not provide a non-maintenance schedule.

Source: Central Bank savings-account pages
Page / section: Balance and service charges
Accessed: 6 Sept 2026
Confidence: high

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Cheque bookCent Samarth: cheque book available at applicable charges. Cent Samvridhi and Cent-Yuva cheque-book terms are not published on the reviewed pages.View source

The Samarth benefits table states cheque book available at applicable charges; no row is provided for the other two.

Source: Central Bank savings-account pages
Page / section: Cheque book facility
Accessed: 6 Sept 2026
Confidence: high

Open official source ↗

Debit cardCent Samarth includes RuPay Platinum card with issuance and renewal free; Cent Samvridhi includes a free ATM-cum-debit card. Cent-Yuva debit-card variant is not specified on the reviewed page.View source

Samarth and Samvridhi pages publish card details; Cent-Yuva does not name a debit-card variant.

Source: Central Bank savings-account pages
Page / section: /debit card
Accessed: 6 Sept 2026
Confidence: high

Open official source ↗

ATM limitsCent Samarth: free CBI ATM transactions up to ₹40,000 per day and five free transactions at other-bank ATMs. Cent Samvridhi and Cent-Yuva ATM limits are not published on the reviewed pages.View source

The Samarth table publishes its allowance; no -limit row appears on Samvridhi or Yuva pages.

Source: Central Bank savings-account pages
Page / section: transactions
Accessed: 6 Sept 2026
Confidence: high

Open official source ↗

Benefits and features

Zero balance and zero maintenance charges
RuPay Platinum card issuance and renewal free
Auto-sweep after ₹25,000 threshold in ₹5,000 multiples
50% concession on retail-loan processing and 50% small-locker rebate

Eligibility

Employer group generally requires at least 10 employees and must be a government entity, educational institution, , private corporate or .

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

Documents the bank lists

Employer group confirmation, , salary-credit evidence and account-opening documents

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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₹2,700two thousand seven hundred rupees

Balance including interest₹1,02,700one lakh two thousand seven 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.

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AccountChoose column

Cent Samarth · EligibilityEligible employer groups; minimum 10 employees

This value is copied from Central Bank savings-account variants. Check the table notes before relying on it.

Source: Central Bank Accounts catalogue · Savings account variants Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 3 rows · 4 columnsCentral Bank savings-account variantsKey terms from official account pages.View tableHide table

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Central Bank savings-account variants
Account	Eligibility	Balance / sweep	Published benefits
Cent Samarth	Eligible employer groups; minimum 10 employees	Zero balance; ₹25,000 sweep threshold in ₹5,000 multiples	Free RuPay Platinum issuance/renewal; loan and locker concessions
Cent Samvridhi	Residents above 18	₹25,000 quarterly average; ₹50,000 threshold; daily ₹5,000 sweep	Free /debit card and net banking; 179-day linked
Cent-Yuva	Students aged 18–30	Zero balance; digital-only opening	Free digital channels; education-loan concessions

Applicable savings/deposit rates and prevailing service charges apply unless a specific number is shown.

Central Bank Accounts catalogue · Savings account variants · accessed 6 Sept 2026Open official source ↗

Cent Samarth 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

Related products

Cent Samvridhi Savings Account

Cent-Yuva Savings Account