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Savings, current & salary accounts

Indian Bank IND Salary Suraksha Account

Salary account with ₹20,000 or ₹25,000 variants, ₹1 lakh health cover and up to ₹50 lakh air-accident cover, plus free RuPay Platinum card and digital transfers.

Interest rateThe individual variant pages do not print a separate numeric savings rate; the current Indian Bank savings-deposit schedule applies.Minimum balanceQAB variant of at least ₹20,000 or at least ₹25,000; failure triggers ordinary savings penalty and discontinues scheme insurance.Salary requirementRegular permanent Government, PSU or private-sector employee with at least six months’ service; entry age 18 and exit at 60 or service end.
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Quick eligibility check

Indian Bank IND Salary Suraksha Account

0 of 3 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Do you meet this requirement: Regular permanent Government/PSU/private employees with at least six months’ service?

2Do you meet this requirement: QAB must be maintained or insurance is discontinued and ordinary savings penalties apply?

3Document checkDo you have this required document or proof: Savings KYC, employee ID, six-month service/employer proof, salary-credit mandate and nomination?

0 of 3 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 31 Aug 2026 · active
Offered byIndian Bank

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 typeSpecial Indian Bank savings-account variant; see the product name and eligibility for its professional, women, family, teacher or salary segment.View source
The official catalogue lists these named savings variants under Savings Bank A/c.
Source
Savings Account catalogue
Page / section
Savings variants
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Interest rateThe individual variant pages do not print a separate numeric savings rate; the current Indian Bank savings-deposit schedule applies.View source
Variant pages publish eligibility and benefits while the bank’s deposit-rate schedule controls savings interest.
Source
Indian Bank Deposit Rates
Page / section
Savings deposit schedule
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Non-maintenance chargeWhere a variant has a published MAB/QAB/FMAB requirement, shortfall charges follow the prevailing Indian Bank savings service-charge schedule; nil-balance variants do not publish a separate numeric penalty on their product page.View source
The variant pages refer to the prevailing service-charge schedule for shortfall charges.
Source
Savings variant charge review
Page / section
Complete variant catalogue
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Debit cardCard depends on the variant: IND PRO publishes RuPay Platinum-linked benefits, IND SHAKTI publishes RuPay Platinum/Select tiers, IND GURUDEV and Salary Suraksha publish RuPay Platinum, IND FAMILY permits eligible cards with AMC-free RuPay Platinum, and other salary variants follow account/card eligibility rules.View source
The official variant pages name the RuPay card tier or defer card eligibility to account rules.
Source
Savings variant debit-card review
Page / section
Debit-card rows across variant pages
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Minimum balanceQAB variant of at least ₹20,000 or at least ₹25,000; failure triggers ordinary savings penalty and discontinues scheme insurance.View source
The page publishes both variants and the consequence of shortfall.
Source
IND Salary Suraksha
Page / section
variants; non-maintenance
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Salary requirementRegular permanent Government, PSU or private-sector employee with at least six months’ service; entry age 18 and exit at 60 or service end.View source
The page publishes employer, service and age conditions.
Source
IND Salary Suraksha eligibility
Page / section
Eligible customers; age group
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Cheque bookFree cheque book.View source
The page states cheque book is free.
Source
IND Salary Suraksha
Page / section
Cheque book
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
ATM and debit-card limitThe scheme does not publish a separate ATM withdrawal figure; free RuPay Platinum card and its published card schedule apply. Debit-card personal-accident cover is ₹2 lakh.View source
The page publishes the free RuPay Platinum card and ₹2 lakh card cover but no limit.
Source
IND Salary Suraksha
Page / section
debit card; accident cover
Accessed
31 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • ₹20,000 variant: ₹1 lakh annual health cover; ₹25,000 variant adds ₹30 lakh accidental death, ₹30 lakh permanent-total-disability, ₹15 lakh permanent-partial-disability and ₹50 lakh air-accident cover
  • Entry age 18; exit at 60 or service end; nil initial deposit; single operation
  • Free cheque book, salary-account , /, / and ; free RuPay Platinum card and
  • ₹2 lakh personal-accident cover on the RuPay Platinum debit card

Eligibility

  • Regular permanent Government//private employees with at least six months’ service; must be maintained or insurance is discontinued and ordinary savings penalties apply.

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

Documents the bank lists

  • Savings , employee , six-month service/employer proof, salary-credit mandate and nomination

Related official documents

IND Salary Surakshaofficial-product-page · current · accessed 31 Aug 2026
↗
Savings Account catalogue — Indian Bankofficial-product-page · current · accessed 31 Aug 2026
↗

Plan before applying

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Account interest estimate

See roughly how much interest a steady account balance could earn over the period you choose.

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.

Use the published table

Find the exact published value

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IND PRO · Eligibility / salaryCredentialed resident professionals; no salary threshold

This value is copied from Indian Bank special savings variants — published terms. Check the table notes before relying on it.

Source: Indian Bank Savings Account catalogue and variant pages · IND PRO; IND SHAKTI; IND FAMILY; IND GURUDEV; IND Corp Elite; Sampoorna Plus; Salary Suraksha Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 7 rows · 5 columnsIndian Bank special savings variants — published termsView tableHide table

Scroll sideways to view every column

Indian Bank special savings variants — published terms
ProductEligibility / salaryBalanceInsurance / cardOther facilities
IND PROCredentialed resident professionals; no salary thresholdSilver ₹25,000; Gold ₹1,00,000; Platinum ₹5,00,000 Graduated ; professional card scheduleSingle/joint; professional primary
IND SHAKTIResident women aged 18+Silver ₹25,000; Gold ₹1,00,000 ₹5 lakh/₹10 lakh cancer cover; RuPay Platinum/Select offersStudent, working, homemaker or professional
IND FAMILYResident -compliant family; no /minor/Diamond ₹50,000; Ruby ₹2,00,000; Emerald ₹5,00,000 FMABPrimary free cheque; RuPay Platinum free₹5/₹10/₹20 lakh can waive shortfall
IND GURUDEVTeachers/lecturers; gross salary ₹15,000/month; age 21–62Nil ; ₹25,000 sweep cut-offRuPay Platinum; ₹2 lakh personal accident50 cheques/year; ₹1 lakh ; unlimited
IND Corp EliteConfirmed employee 18–60; six months service; salary credit₹5,000 ₹30 lakh PA death/, ₹15 lakh , ₹50 lakh air accidentEmployer relationship; Police/Defence excluded
IND Salary Sampoorna PlusSalary ₹25,000–₹2,00,000/month by tierNil Total cover ₹45 lakh–₹257.30 lakh by tierPermanent/contractual; Defence/Police excluded
IND Salary SurakshaPermanent employee; six months service; age 18–60 ₹20,000 or ₹25,000₹1 lakh health; up to ₹50 lakh air accident; free RuPay PlatinumFree cheque, , /, /
Indian Bank Savings Account catalogue and variant pages · IND PRO; IND SHAKTI; IND FAMILY; IND GURUDEV; IND Corp Elite; Sampoorna Plus; Salary Suraksha · accessed 31 Aug 2026Open official source ↗

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