SBI Salary Account – શિક્ષકો માટે વિશેષ Benfits
SBI (State Bank of India) દ્વારા શિક્ષકો માટે ખાસ Salary Account વિકલ્પ લાવવામાં આવ્યા છે, જેમાં મળશેZero Balance Account,અપઘાત વીમા,loanમાં discount,ATM/NEFT ફીડadering અને અન્ય અનેક લાભો. નીચે તમને વિગતવાર માહિતી મળશે.
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| SBI Salary Account – Benefits |
📢 Overview – State Government Salary Package (SGSP) for Teachers
શાસકિય શિક્ષક, aided school/college faculties માટે SBIનું State Government Salary Package (SGSP) ઉપલબ્ધ છે. આ પેકેજમાં zero balance, free transactions, અને comprehensive insurance coversનો સમાવેશ છે.1
💎 Key Benefits – Table Format
| Benefit | Details |
|---|---|
| Zero Balance Account | No minimum balance requirement, unlimited free ATM transactions |
| Personal Accident Insurance | Up to ₹20 lakh cover (accidental death) 2 |
| Air Accident Insurance | Up to ₹30 lakh cover (death) 3 |
| Loan Benefits | Up to 50% waiver on processing fees for personal, home, car, education loans 4 |
| Locker Rent Concession | Up to 25% discount on annual locker charges 5 |
| Overdraft Facility | OD facility up to 2x salary (depends on eligibility) 6 |
| Auto Sweep (e-MODs) | Surplus funds auto-transferred to FD for better returns 7 |
| Free Banking Services | Free NEFT/RTGS, drafts, multicity cheques, SMS alerts, debit card, Internet/Mobile Banking 8 |
| SBI Rishtey (Family Accounts) | Zero balance savings for family with benefits similar to Salary Account 9 |
🔍 Detailed Explanation
1. Zero Balance & Free Transactions
Salary Package accounts do not demand minimum balance; all ATM withdrawals, NEFT/RTGS are free across SBI and other banks.10
2. Insurance Covers
- Personal Accident Insurance: Up to ₹20 lakh compensation for accidental death or permanent disability.
- Air Accident Insurance: Up to ₹30 lakh for air-related fatalities – an important safety net.11
3. Loan Processing Fee Waiver
SBI offers up to 50% discount on processing fees for personal, home, car, and education loans.12
4. Locker Rent Concessions
Enjoy up to 25% off on annual locker rent, helping secure valuables affordably.13
5. Overdraft Facility
Get credit up to twice your monthly salary, accessible via cheque, ATM, or digital channels.14
6. Auto-Sweep / e-MODs
Auto-transfer surplus funds beyond ₹35,000 to Fixed Deposit to earn higher interest.15
7. Free Banking Services & Digital Access
Complimentary drafts, multicity cheques, SMS alerts, debit card issuance, and seamless digital banking through YONO and netbanking.16
8. SBI Rishtey – Family Savings Benefits
Family members (spouse, children, parents) can open zero-balance accounts with similar benefits, a great perk for teacher households.17
🛠️ Opening Process – Step-by-Step Table
| Step | Details |
|---|---|
| Step 1 | Visit nearest SBI Branch or use YONO app (via Video KYC) |
| Step 2 | Submit EMPLOYMENT PROOF + SALARY SLIP |
| Step 3 | Provide ID & Address Proof, Passport Photo, PAN |
| Step 4 | Account activated with Salary Package benefits |
| Step 5 | Enjoy all benefits immediately |
*Note: If salary is not credited for 3 consecutive months, account reverts to normal savings and benefits ceased.18
🎯 Why It’s Great for Teachers
- Financial safety: Insurance covers ensure family security in unfortunate events.
- Zero hassles: No minimum balance, free banking, and loan concessions make banking easy.
- Smart savings: Auto-sweep, overdraft, and family accounts maximize convenience.
- Local & secure: SBI's vast network offers easy access across Gujarat or India-wide
અગત્યની લિંક્સ
❓ FAQs
Q1: Can I convert existing SBI account to Salary Package?
Ans: Yes – by submitting employment and salary proof to branch.19
Q2: What happens if salary is not credited continuously?
Ans: After 3 months without salary, account shifts to normal savings, and benefits stop.20
Q3: Can I manage it via YONO app?
Ans: Absolutely – including opening account via video KYC, managing transactions digitally.21
📌 Conclusion & Tips
For Gujarat teachers (State Govt, aided schools), the SBI State Govt Salary Package (SGSP) is a powerful financial tool. With zero balance, insurance, loan concessions, and digital perks, it offers peace of mind and great value. Don’t miss out—visit your SBI branch or use YONO to activate your Salary Package today!
Pro Tip: Ask for SBI Rishtey for your family, set up auto-sweep for smart savings, and keep your salary credit regular to retain all benefits.
