cOMPARATIVE MATRIX OF FACILITIES PROVIDED TO DSP ACCcoUNT HOLDERS BY BANKS wITH EFFECTIVE MOU TILL DATE Ser ltems HDFC
(Validity: 03 Bandhan Bank Kotak Mahindra Bank
(Validity: 25 Sep (Validity: 09 May (Validity: 13 Apr (Validity: 04 Jan (Validity: 03 Mar 21 to
02 Mar 24
SBI PNB BOB YES Bank ICICI IDBI Axis (Validity: 12 Jul (Validity: 08Jan (Validity:21 Dec (Validity: 22 Oct 18 to 11 Jul 21) 19 to 07 Jan 22) 21 Oct Apr 18 to 02 Apr 18 to 24 Sep 21) 19 to 08 May 22)
22) 20 to 20 Dec 19 to 18 to 12 Apr 21) 21 to 03 Jan 24)
23) 21) Insurance
1 PAI Cover Rs 30 Lakhs (Death)
Rs 30 Lakhs Rs. 50 Lakhs (On Rs 30 Lakhs
duty)Rs. 40 Lakhs (Off duty/leave pensioners)
| Rs. 40 Lakhs (for Rs 30 Lakhs both serving &
pensioners) Rs 20 Lakhs (for
both serving & pensioners) | Yes
Rs 30 Lakhs Rs 30 Lakhs Rs 35 Lakhs
(Also applicable for Gentle-man
Cadets)
Up to Rs 30 Rs 25 Lakhs on Rs 30 Lakhs Lakhs accts
& Rs 5 Lakhs on | Debit card &
Total 30 Lakhs Rs 30 Lakhs Rs 30 Lakhs Rs 35 Lakhs Up to Rs 30 100% of sum Rs 30 Lakhs Lakhs
Rs 30 Lakhs Disability assured
Partial Disability
3 |10 Lakhs No Rs 5 Lakhs Up to Rs 30-Lakhs
Up to Rs 30 % as assessed % as assessed by Lakhs by Doctor Doctor
Applicability No for
PAI of upto Rs 15 Rs 5 Lakhs Lakhs & AAl of upto Rs 1Cr.
Yes Rs 5 Lakhs for Yes PAI. Rs 30 Lakhs or rAAI
Yes NA Yes
Pensioners
Cover Anti Yes Yes No Yes Yes es Yes Yes Yes Yes terrorist/
Naxal Ops Add on cover Plastic Surgery -2 Noo
Lakhs, ImportedMedicine-1 Lakh, Death after Coma-
Plastic Surgery -2 No Lakhs
No No No No No No
|2 Lakhs, Air Amb
5 Lakhs, Tn of Mortal remains
10000/-,Charge- 1500/-2-5 Lakhs (for Lt to | DC- 1-2 Lakhs,
Amb
Addl AAl in range from No CC-2-10 Lakhs Rs 15 to 50 Lakhs
under all variant| of Credit Card
Rs 10 Lakhs for| No family acct & AAI of Rs 1 Crore
Rs 50,000 loss No No Insurance on above) Debit Card/
Rs 50 Lakhs (Min 3 POS transaction in 60 of Check in
Baggage, days) Credit Card
AAI Cover |Rs 1 Crore (tickets Rs 1 Crore Rs. 1 Crore Rs Crore Rs 1 Crore Rs 1 Crore Rs 75 Lakhs on Rs 1 Crore (off Rs 1 Crore. acct& Rs 25 duty) Lakhs on Debit Rs 30 Lakhs (on
Rs 1 Crore purchased through (tickets purchased (tickets purchased (tickets purchased
PNB through BoB debit through Yes Bank salary ACCt)
Rs 25,000/
SBI salary Act) throughsalary Acct) No
card) Card duty) Rs 50000/ 9 Purchase Protection
10 PAI Death Assistance
Rs 1 Lakh to Rs Rs 20000/ 2.5 Lakhs
No Rs 50,000/- to Rs Rs 2-5 Lakhs Upto 1 Lakh 6 Lakhs
Higher Fdn 10%Rs Lakh or Higher Edn 10% Rs 1 Lakh per yr Rs 1 Lakh per yr Edn benefit_after Upto Rs 2 Lakhs Edn sistance Education of PAI (max 2 actual expdr per of PAI, Girl Child for 4 yrs for C-XIl for 4 yrs for Edn grade 12h Rs 1 for 2 childrenLakhs), Girl Child year for 4 yrs for | Marriage 10% of |& above
Marriage (18-25 edn of one child age 10% of PAI (max 2 Lakhs).
Upto Rs 8 Lakhs (Edu upto Rs 2 Lakhs benefits of upto and Girl Child Benefit)
Lakh for 4 yrs for 02 children
assistance for children 12 to Rs. 1 Lakh per| 20 yrs. PAI, ASSIst of
transportation of dead body of Rs.
50,000.
year for 4 years to dependent child, Covered upto 2 children. (Also |
applicable for Gentle-man
Cadets)| Loans
11 Waiver in processing fee
Waived Waived. Waived. Home Loan- Nil Waived Waived No Waived. Waived No Car Loan 25% Pers Loan Nil
2
YES Bank Kotak Mahindra Bank Ser tems BoB HDFC ICICI IDBI Axis Bandhan Bank
SBI PNB (Validity: 12 Jul (Validity: O8 2018 to 11 Jul Jan 19 to 07 Jan 2020 to 20 Dec
21) (Validity:21 Dec (Validity: 22 Oct (Validity
19 to 21 Oct 03 Validity: 25 Sep (Validity: 09 May (Validity : 13 Apr (Validity : 04 Jan (Validity: 03 Mar 21 to
02 Mar 2024 2021 to 03 Jan Apr 2018 to 02 2018 to 24 Sep 1)
19 to 08 May 22) 2018 to 12 Apr 2024) 21)
Home Loan - Last 12 EMI waived, if
payment
regularly. Pers Loan- To acct holders &
pensioners. Car Loan-50%
No
Apr 2 Loan Car Loan-20 BPS Pers
of less than Rack rate of 11.5% to
2022) 21) 23) Loan Auto
2022) Yes
12 Concessional Home Loan- 5% Home Loan- 5% Auto | Rates Loan
Interest No of Concession
on in Margin Money, in Margin Money,. Concession Car Loan- 5% in | Car Loan-ROI@1 0.25% of ROI, 0.25% of ROI, | rate Margin Money
12.99% yr MCLR+0.35%, | who have availed who have availed Two Veh 200 Pers Loan -Home Loan ROI@1 MCLR+2.0%, Overdraft-1.55%
net Rs
Home Loan BPS less y Pers 50 BPS
less
Rs 3,000 to 1.5 (as
13 Over Draft No 2 Months
Salary (Rs 40000 Rs 03 Lakhs to Rs 2 Lakhs)_
Available
No 75000 to Overdraft up to | Rs 75,000 Rs 2 3 times Salary |Lakhs Lakhs per Rs. 3.00 Lakhs. Max Rs 1 Lakh
eligibility) Available
14 Edn Loan
Other Facilities 15 Demand Draft Yes, unlimited
Available No Available No Available Available
Unlimited free Yes, unlimited
free 25% concessional
Unlimited Free unlimited Rs 50000/-to Free Free unlimited Yes, Unlimited
Free Unlimited
unlimited 30% to 100%
free 16 Locker Facility Concession 15% Concession on to 25% (Lt Col
and above) Yes
Concession 50% on Locker rentals
25% to 50% discount
| Upto 25% off for first yrl life
No 25% to 100% AMC 25% for 3 discount on waiver
annual rent Free unlimited
yrs
Free unlimited Unlimited Free Unlimited Free
17 Use of other Bank ATM
18 Facilities Nepali Gorkha Sol
Unlimited free Unlimited Free Free unlimited Yes
Free draft & |Free Draft payable at NSBL, under NERS & Free NEFT
|Free remittance Available under or Free Drafts,
Home Loan facilities from
No Free Remittance to EBL linked acct
(INRS) remittance at NSB INRS NSBL, free
remittance and EFT for accts with
NSBL Free Pride credit card
19 Credit Card Yes Free Available Available on Available
|Free on Request Free Life time Available
specific requestNo 1 yr AMC waived Waiver of 100 % Available
20 Demat Acct/|Available online tradingacct
Available through 100% Waiver of Free alc opening.SMC &Networth charge
(Approved Broker)
year
AMC for 1 yr to Life time waiver
charges Maintenance 50% to 100% | charge waived
waived of Unlimited
AMC
Instant Credit of outstation
Instant Credit of| Unlimited outstation Unlimited Free
|21 Cheques Unlimited Unlimited Unlimited Unlimited Unlimited Free ChequesCheques Upto Rs Cheques Upto Rs 20,0 Unlimited multi city cheques
50,0 Unlimited (Except
for bulk reqmt for
EMI paymentto other banks Fl/
NBFC)Yes Fin Yes (Where SBl1
has such facility) Yes (where
service exist)No No Yes (where
service exist)
NO 22 Free
AdvisoryService
23 Free
Machines|Addl Zero Bal|
Salary Acct
POS To CSD & Army Instt To CSD & Army
Instt
To CSD & Army InsttTo Parents,
Spouse, Dependant ChildrenTo sick/
No No To CSD & Army Instt
No
To CSD & Army No Instt
For Parents,spouse, childrenwith PAI-1 Lakhs,
|Aai, 5 LakhsNo
No No No No Yes
25 Door Step No No No No No Free Yes banking incapacitated
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