Savings, current & salary accounts

Cent Samvridhi Savings Account

Resident savings account with ₹25,000 quarterly average balance, daily sweep into fixed-deposit units and free /debit card and net banking.

Interest rateSavings interest and linked FD rate follow the latest applicable Central Bank deposit rates; senior citizens receive an additional 0.50% on the FD component.Minimum balanceQuarterly average balance ₹25,000; core/threshold deposit ₹50,000.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 typeResident savings account with daily sweep-in/out to a linked fixed deposit.View source

The page calls it a resident savings account and describes sweep facilities.

Source: Cent Samvridhi Savings Account
Page / section: Type of account
Accessed: 6 Sept 2026
Confidence: high

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EligibilityResidents above 18; account may be held singly, jointly or jointly with survivorship benefits.View source

The eligibility and holding rows state age, residency and modes.

Source: Cent Samvridhi Savings Account
Page / section: Eligibility and mode of holding
Accessed: 6 Sept 2026
Confidence: high

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Minimum balanceQuarterly average balance ₹25,000; core/threshold deposit ₹50,000.View source

The page publishes both core threshold and quarterly-average balance.

Source: Cent Samvridhi Savings Account
Page / section: Core deposit and minimum balance
Accessed: 6 Sept 2026
Confidence: high

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Auto sweepDaily sweep into fixed-deposit units of ₹5,000; maximum sweep-deposit period 179 days with auto-renewal.View source

The sweep rows publish unit, daily frequency and 179-day maximum.

Source: Cent Samvridhi Savings Account
Page / section: Sweep procedure and deposit period
Accessed: 6 Sept 2026
Confidence: high

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Interest rateSavings interest and linked FD rate follow the latest applicable Central Bank deposit rates; senior citizens receive an additional 0.50% on the FD component.View source

The page links rates to the relevant deposit period and states the senior-citizen addition.

Source: Cent Samvridhi Savings Account
Page / section: Rate of interest
Accessed: 6 Sept 2026
Confidence: high

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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

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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

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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

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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 ↗

Benefits and features

Daily auto-sweep into ₹5,000 units
₹50,000 core/threshold deposit
Free -cum-debit card and net banking
Up to 179-day sweep , auto-renewed at maturity

Eligibility

Residents above 18; single, joint or joint with survivorship holding.

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

Documents the bank lists

and account-opening documents

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Account interest estimate

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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₹500five hundred rupees

Balance including interest₹1,00,500one lakh 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.

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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 Samvridhi 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 Samarth Savings Account

Cent-Yuva Savings Account