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उत्पाद विवरण
बैंक का नाम

Bank of India

खाता नाम

Bank of India Platinum Government Salary Account

खाते का प्रकार

Salary account

ब्याज दर

Upto ₹ 1.00 lakhs - 2.75% and above ₹ 1.00 lakhs - 2.90%

निःशुल्क डेबिट कार्ड

Visa Signature

Bank of India Platinum Government Salary Account
खाता खोलने का शुल्क

0

वार्षिक रखरखाव शुल्क

0

Minimum Account Balance

Average quarterly balance of Rs. 10,00,000.

डेबिट कार्ड शुल्क

Issuance is free and thereafter chargeable.

एनईएफटी शुल्क

Free if done through net banking/mobile banking

आईएमपीएस शुल्क

Free if done through net banking/mobile banking

फीस और शुल्क

Bank of India Platinum Government Salary Account

0
विशेष लक्षण

  • 100% concession in processing charges in retail loans.

  • 100% waiver on credit card issuance charges.

  • 25 bps concession in rate of interest in retail loans. 

  • 100% concession in locker rent.

  • Specialized savings account designed to cater to the needs of all government sector employees.

पात्रता मापदंड

  • All private sector employees/ corporate employees drawing regular salary.

  • Private sector employees of university, schools and colleges or any other such institution/ training colleges (training and non-training staffs).

फ़ायदे
विशेषताएं, पात्रता और लाभ
पक्ष विपक्ष
पेशेवरों

  • 100% waiver on credit card issuance charges.

  • Internet banking/Mobile banking facility is available.

  • Group personal accidental death insurance cover of Rs. 150 lakh

  • 100% concession in processing charges in retail loans.

  • 100% concession in locker rent.

  • 25 bps concession in rate of interest in retail loans. 

  • Permanent total disability cover of upto Rs.50 lakh.

  • Permanent partial disability cover of upto Rs.25 lakh.

  • Air accidental insurance of upto Rs.200 lakhs.

  • Educational benefits of upto Rs.10 lakh.

  • Users can avail of instant personal loans equal to 6 months' net salary.

दोष

  • Low interest rate,

  • No cashback or rewards benefits.

  • High average quarterly balance requirements.

Bank of India Platinum Government Salary Account

The account offers a very low interest rate, and the account comes with a fee waiver in case you choose to take a retail loan or credit card from Bank of India.

Abhijeet Saxena

Abhijeet Saxena

Nalsar University of Law

Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi

Ex - Khaitan & Co. Bengaluru,

Ex - National Stock Exchange, Mumbai,

Ex - Argus Partners, Mumbai

उत्पाद समीक्षा
खाता खोलने की प्रक्रिया और प्रक्रिया
How to open an Account?

Here's how to open an Private Salary Account with Bank of India:

  1. Visit a Bank of India branch: Go to the nearest branch and inform the bank representative that you want to open an Private Salary Account.

  2. Provide necessary documents: You will need to submit the following documents:Identity proof: Passport, Aadhaar card, PAN card, Voter ID card, or driving license
    Address proof: Passport, Aadhaar card, Voter ID card, or utility bills
    Photographs: Two passport-sized photographs
    Service proof: If you are serving personnel, you will need to provide your service ID card or a letter from your commanding officer.

  3. Fill out the account opening form: The bank representative will provide you with an account opening form. Fill in the required details accurately.

  4. Submit the documents: Submit the completed form and all the required documents to the bank representative.

  5. Make an initial deposit: You may be required to make an initial deposit to open the account. The minimum deposit amount may vary.

  6. Receive your account details: Once your account is opened, you will receive your account number, passbook, and other relevant details.

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