About – Elite Salary Account Product

At Bank of India, we believe in offering a customized banking experience to our customers. Presenting Central Government Salary Account, a specialized savings account designed to cater to the needs of all Central government employees.

Enjoy the convenience of instant salary credits with no minimum balance requirement. Take charge of your funds with unlimited transactions with digital banking availability and our nationwide ATMs. The Central Government Salary Account ensures that you get an unparalleled banking experience both online and offline. We provide hassle free and seamless banking experience online through our state of art mobile banking and internet banking facilities. You can now open your salary account at the convenience of your home through our digital platform also.

Start your banking journey with us today while you avail the exclusive benefits and opportunities we offer. Start building a secure and prosperous future with a banking solution designed specifically for Central government employees.

Boi Elite Salary Account

  • Zero Charges on Non-Maintenance of Minimum Balance
  • Nil Minimum balance requirement.
  • Group Personal Accident Insurance Cover Upto Rs. 200 Lakh Absolutely Free*.
  • Air Accidental Death Insurance cover upto Rs. 200 Lakh. (inci. of Base PAl Cover) Absolutely Free*.
  • Child Education Rs 10 lakhs (upto 2 child)
  • Girl child Marriage (18-25 yrs) up to Rs 10 lakhs, max 2 girl child 5 lakhs for each.
  • Locker Rent Concession upto 100%*.
  • EASY OVERDRAFT - enjoy liquidity & flexibility through hassle-free Overdraft.
  • Big savings on Big Dreams- Processing Fee Concessions up to 100% on Housing and Vehicle Loans.
  • Enjoy seamless transactions with ZERO issuance fee on Premium Debit Cards*.
  • Issuance of Credit Card Absolutely Free*.

    All central Govt employees who are interested in opening a new salary account with Bank of India or who wish to convert their existing salary account are required to submit duly signed undertaking as provided vide Annexure I. The employee is also required to submit a confirmation from their employer vide Annexure II. All prospective central govt employees who wish to receive their salary under Elite Salary Savings Account are requested to go through the various terms and conditions as enumerated in Annexure VI. Additional term insurance and health insurance top up can be taken by account holders, on fully paid basis as provided in Annexure IV and Annexure V respectively. In case, employee wants to quit, they are required to submit duly signed undertaking as provided vide Annexure III.

Features of Bank of India – Elite Salary Account Product
Salary Product Features Category
Group-C OR G. Salary < 70000 Group-B OR G. Salary 70000 to 120000 [From Level-6] Group-A OR G. Salary > 120000 [From Level-10]
Personal Accident Insurance Cover Rs 1 Crs Rs 2 Crs Rs 2 Crs
Air Accident Death Insurance Rs 2 Crs Rs 2 Crs Rs 2 Crs
Permanent Total Disability Up to 100% of Personal Accident Insurance Cover Up to 100% of Personal Accident Insurance Cover Up to 100% of Personal Accident Insurance Cover
Permanent Partial Disability Up to 50% of Personal Accident Insurance Cover Up to 50% of Personal Accident Insurance Cover Up to 50% of Personal Accident Insurance Cover
ADD-ON Covers- with Accidental Death
  • - Child education
  • - Girls Child marriage
  • - Air/ Ambulance chg.
  • - Repatriation of Mortal remains, etc.
  1. Child Education Rs 10 lakhs upto 2 child
  2. Girl child Marriage (18-25 yrs) up to Rs 10 lakhs, max 2 girl child 5 lakhs for each
  3. Air Ambulance upto Rs 10 lakhs
  4. Repatriation of Mortal remains upto Rs 0.50 lakhs
  5. Death after coma (minimum 48 hrs) covers upto Rs 5 lakhs
  6. Cost of plastic surgery/burn upto Rs 10 lakh
  7. Family transportation expenses upto Rs 0.50 lakh
  8. Ambulance cover upto Rs 0.50 lakh
  9. Cost & Transportation of imported medicine upto Rs 5 lakhs
  1. Child Education Rs 10 lakhs upto 2 child
  2. Girl child Marriage (18-25 yrs) up to Rs 10 lakhs, max 2 girl child 5 lakhs for each
  3. Air Ambulance upto Rs 10 lakhs
  4. Repatriation of Mortal remains upto Rs 0.50 lakhs
  5. Death after coma (minimum 48 hrs) covers upto Rs 5 lakhs
  6. Cost of plastic surgery/burn upto Rs 10 lakh
  7. Family transportation expenses upto Rs 0.50 lakh
  8. Ambulance cover upto Rs 0.50 lakh
  9. Cost & Transportation of imported medicine upto Rs 5 lakhs
  1. Child Education Rs 10 lakhs upto 2 child
  2. Girl child Marriage (18-25 yrs) up to Rs 10 lakhs, max 2 girl child 5 lakhs for each
  3. Air Ambulance upto Rs 10 lakhs
  4. Repatriation of Mortal remains upto Rs 0.50 lakhs
  5. Death after coma (minimum 48 hrs) covers upto Rs 5 lakhs
  6. Cost of plastic surgery/burn upto Rs 10 lakh
  7. Family transportation expenses upto Rs 0.50 lakh
  8. Ambulance cover upto Rs 0.50 lakh
  9. Cost & Transportation of imported medicine upto Rs 5 lakhs
Group Term Life Insurance
  • a) Bank-Sponsored Cover
  • b) Optional Top-Up Cover- Cost to be borne by A/c holder
 Bank Sponsored Cover Rs 10 lakhs
Top-up Cover Details provided in Annexure IV		 Bank Sponsored Cover Rs 15 lakhs
Top-up Cover Details provided in Annexure IV		 Bank Sponsored Cover Rs 15 lakhs
Top-up Cover Details provided in Annexure IV
Annual Preventive Health Check-up (Self) This package will include the following assessments and tests :
  1. Height, weight, and BMI, blood pressure ,oximetry (SpO₂)
  2. RBS, Hb and cholesterol.
  3. A urine test for routine sugar and protein levels, indicating potential kidney issues or diabetes
  4. Basic vision screening
  5. CBC/RBC/creatini ne serum/ cholesterol (total) Serum/ urine routine/ blood test/ ESR/ RBS/ SGPT/ Creatinine
  6. Thyroid Profile
  7. Tele-consultations with GP/ specialist /dieticians and nutritionists
  8. Digital health risk assessment
  9. Annual health check up vouchers
  10. Discount within network on vaccinations /pharmacy & diagnostic tests
  11. Health and wellness calculators and trackers
 This package will include the following assessments & tests:
  1. Height, weight, and BMI, blood pressure ,oximetry (SpO₂)
  2. RBS, Hb and cholesterol.
  3. A urine test for routine sugar and protein levels, indicating potential kidney issues or diabetes
  4. Basic vision screening
  5. CBC/RBC/creati nine serum/ cholesterol (total) Serum/ urine routine/ blood test/ ESR/ RBS/ SGPT/ Creatinine
  6. Thyroid Profile
  7. Tele-consultations with GP/specialist /dieticians and nutritionists
  8. Digital health risk assessment
  9. Annual health check up vouchers
  10. Discount within network on vaccinations /pharmacy & diagnostic tests
  11. Health and wellness calculators and trackers
 This package will include the following assessments and tests:
  1. Height, weight, and BMI, blood pressure ,oximetry (SpO₂)
  2. RBS, Hb and cholesterol.
  3. A urine test for routine sugar and protein levels, indicating potential kidney issues or diabetes
  4. Basic vision screening
  5. CBC/RBC/creati nine serum/ cholesterol (total) Serum/ urine routine/ blood test/ ESR/ RBS/ SGPT/ Creatinine
  6. Thyroid Profile
  7. Tele-consultations with GP/specialist /dieticians and nutritionists
  8. Digital health risk assessment
  9. Annual health check up vouchers
  10. Discount within network on vaccinations /pharmacy & diagnostic tests
  11. Health and wellness calculators and trackers
Group Medical Insurance (Account holder- Annual Cover)
a) Bank-Sponsored Cover
b) Optional Top-Up Cover- Cost to be borne by A/c holder		 As per Annexure V As per Annexure V As per Annexure V
Banking - Elite Salary Account Product
Salary Product Features Category
Group-C OR G. Salary < 70000 Group-B OR G. Salary 70000 to 120000 [From Level-6] Group-A OR G. Salary > 120000 [From Level-10]
Minimum Balance Nil Nil Nil
Instant Overdraft (ROI as per bank's card rate) Two Months Gross Salary Three Months Gross Salary Six Months Gross Salary (Max amount of Rs.10.00 lakhs)
Sweep In -Out facility Balance of FD (If customer opts for this facility) Above Rs 1 lakhs In Multiple of Rs 25k Above Rs 1 lakhs In Multiple of Rs 25 K Above Rs 1 lakhs In Multiple of Rs 25 K
IMPS/ RTGS/ UPI/ SMS Chg ( Both Online and Offline) Waived Waived Waived
SMS Charges (Domestic SMS) Free Free Free
Free Cheque Book Unlimited Unlimited Unlimited
DD/Pay Slip Charges Waived Waived Waived
Concession in Locker Charges (Subject to availability) 100% of first year annual rent for locker type “A” or “B” 100% of first year annual rent for locker type “A” or “B” 100% of first year annual rent for locker type “A” or “B”
Concession in Processing & Documentation charges on Retail Loan 100% waiver of Processing Charges in all Retail Loans
No charges for legal search , valuation, documentation and inspection		 100% waiver of Processing Charges in all Retail Loans
No charges for legal search , valuation, documentat		 100% waiver of Processing Charges in all Retail Loans
No charges for legal search , valuation, documentation and inspection
Concession in ROI on Personal Loan: 2.75%* Home Loan: 0.10% Personal Loan: 2.75%* Home Loan: 0.10% Personal Loan: 2.75%* Home Loan: 0.10%
Retail Loan: Personal/ HL/ Car / Education loan
# Concession should not result in ROI being below the minimum lending rate of the Bankin respective scheme.		 Vehicle Loan: 0.25% Education Loan: 0.25%
Minimum ROI as on date is 13.85% for Personal Loan (not SSEPL) 7.60% of vehicle loan 7.10% on Home Loan
* RBLR+ CRP(5.50%)+BSP(0.25%) presently 13.85%		 Vehicle Loan: 0.25% Education Loan: 0.25%
Minimum ROI as on date is 13.85% for Personal Loan (not SSEPL) 7.60% of vehicle loan 7.10% on Home Loan
*RBLR+ CRP(5.50%)+BSP(0.25%) presently 13.85%		 Vehicle Loan: 0.25 Education Loan: 0.25%
Minimum ROI as on date is 13.85% for Personal Loan (not SSEPL) 7.60% of vehicle loan 7.10% on Home Loan
* RBLR+CRP(5.50%)+BSP(0.25%) presently 13.85%
Demat Account Free without AMC Free without AMC Free without AMC
Cards & Offers - Elite Salary Account Product
Salary Product Features Category
Group-C OR G. Salary < 70000 Group-B OR G. Salary 70000 to 120000 [From Level-6] Group-A OR G. Salary > 120000 [From Level-10]
Waiver in Debit Card AMC Waived Waived Waived
Free ATM TXN (in a month) Unlimited in our Bank’s ATM , in case of other banks up to 5 transactions are free Unlimited in our Bank’s ATM , in case of other banks up to 5 transactions are free Unlimited in our Bank’s ATM , in case of other banks up to 5 transactions are free
ATM- (Rupay Platinum/ Select/ other)- Platinum Card (Issue charges waived) Select Card (Issue charges waived) Select Card (Issue charges waived)
Airport Lounge Access on ATM /Debit. - per Quarter* *(As per NPCI Guidelines, subject to change from time to time) Domestic Airport/Railway Lounge Program (Once per calendar year) per card and International Airport lounge Program (once per calendar year) per card Domestic Airport/Railway Lounge Program (Once per calendar year) per card and International Airport lounge Program (once per calendar year) per card Domestic Airport Lounge Program (once per calendar quarter) per card and International lounge Program (twice per calendar year) per card/td>
Features on Debit Card: Pharmacy Vouchers/ health check up/ Complementary vouchers etc.(As per NPCI Guidelines, subject to change from time to time) NPCI provides Accidental Death and permanent total Disability Insurance with coverage of INR 2 Lakhs
  1. One complimentary SPA session in a year and 40-50% discount on additional sessions throughout the year.
  2. 1 month free gym membership and 40-50% discounted price on extension of membership
  3. One complimentary Golf lesson in a year and Discounted access from 2nd visit onwards
  4. One complimentary Health check-up package in a year and Discounted Health Check-up facility post utilization of complimentary offer
  5. Personal Accident and Total Permanent Disability Cover up to INR 10 lacs will be provided by NPCI as a benefit to the cardholder for which no extra cost/insurance premium is charged to the cardholder
  6. Free OTT subscription (Amazon prime/ Zee5/Sonyliv)
  1. One complimentary SPA session in a year and 40-50% discount on additional sessions throughout the year.
  2. 1 month free gym membership and 40-50% discounted price on extension of membership
  3. One complimentary Golf lesson in a year and Discounted access from 2nd visit onwards
  4. One complimentary Health check-up package in a year and Discounted Health Check-up facility post utilization of complimentary offer
  5. Personal Accident and Total Permanent Disability Cover up to INR 10 lacs will be provided by NPCI as a benefit to the cardholder for which no extra cost/insurance premium is charged to the cardholder
  6. Free OTT subscription (Amazon prime/ Zee5/Sonyliv)
Free Credit Card Facility Variant Bharat Platinum Card (Issue charges waived) Select Card (Issue charges waived) Select Card (Issue charges waived)
Credit Card AMC Waived Waived Waived
Airport Lounge Access on Cr. Cardper Quarter (For Self / family) *(As per NPCIGuidelines, subject to change from time to time) Complimentary Domestic Lounge Access across India ( 4 per year ) and International Lounge Access ( 2 per year ) Complimentary Domestic Lounge Access across India ( 2 per quarter ) and International Lounge Access ( 2 per year ) Complimentary Domestic Lounge Access across India ( 2 per quarter ) and International Lounge Access ( 2 per year )
Features on Credit Card: Insurance, memberships/ Pharmacy Vouchers/ health checkup/Complementary vouchers, Rewards points (As per NPCI Guidelines, subject to change from time to time)
  1. 3-month membership per annual of Swiggy Lite
  2. Discount vouchers worth INR 250 per quarter redeemable at Amazon or Flipkart.
  3. Discount voucher worth INR 250 per quarter on BigBasket or Blinkit
  4. INR 250 off on purchase of min 2 tickets per quarter from Book My Show
  5. Up to 2 lakhs (on Personal Accident insurance or Permanent disability)
  6. Loyalty Reward points -2x (of Rs 0.25 each) on spend of every Rs 100/- on POS and Ecom
  7. 24*7 Concierge services – from Travel assistance to Hotel reservations to Consultancy Services
  1. Rs 250 per 2 ticket Monthly on Book My Show coupons,
  2. Rs 200- Monthly coupons on Big Basket
  3. One Complementary Health Check up,
  4. Annual Membership of Amazon Prime,
  5. Three month membership of Swiggy one
  6. Up to 10 lakhs (on Personal Accident insurance or Permanent disability)
  7. One Annual Health Check up
  8. 24*7 concierge service
  9. Loyalty Reward points – 2x (of Rs 0.25 each) on spend of every Rs 100/-on POS and ECOM
  1. Rs250 per 2 ticket Monthly on Book My Show coupons,
  2. Rs200- Monthly coupons on Big Basket
  3. One Complementary Health Check up,
  4. Annual Membership of Amazon Prime,
  5. Three month membership of Swiggy one
  6. Up to 10 lakhs (on Personal Accident insurance or Permanent disability)
  7. One Annual Health Check up
  8. 24*7 concierge service
  9. Loyalty Reward points – 2x (of Rs 0.25 each) on spend of every Rs 100/-on POS and ECOM
Cyber Fraud Insurance (Per Account) Terms & Conditions Apply For Mobile Banking upto Rs 10 lakhs
For Internet Banking upto Rs 10 Lakhs
For fraud via AEPS upto Rs 0.50 lakhs
For fraud via UPI up to Rs 3 lakhs
For fraud by IMPS upto Rs 3 lakhs		 For Mobile Banking upto Rs 10 lakhs
For Internet Banking upto Rs 10 Lakhs
For fraud via AEPS upto Rs 0.50 lakhs
For fraud via UPI up to Rs 3 lakhs
For fraud by IMPS upto Rs 3 lakhs		 For Mobile Banking upto Rs 10 lakhs
For Internet Banking upto Rs 10 Lakhs
For fraud via AEPS upto Rs 0.50 lakhs
For fraud via UPI up to Rs 3 lakhs
For fraud by IMPS upto Rs 3 lakhs
Family Savings Account All family accounts linked to the main account holder will be eligible for following waivers & concessions
  1. Unlimited free chq leaves
  2. Waiver of SMS alert charges
  3. Waiver of Whatsapp alert charges
 All family accounts linked to the main account holder will be eligible for following waivers & concessions
  1. Unlimited free chq leaves
  2. Waiver of SMS alert charges
  3. Waiver of Whatsapp alert charges
 All family accounts linked to the main account holder will be eligible for following waivers & concessions
  1. Unlimited free chq leaves
  2. Waiver of SMS alert charges
  3. Waiver of Whatsapp alert charges
Card Fraud Insurance
(Per Card)
Terms & Conditions Apply
TYPE OF CARD CASH WITHDRAWL LIMIT (INR) PER TRANSACTION LIMIT(INR) POS/ECOMM LIMIT PER DAY (INR) MAXIMUM TRANSACTION LIMIT (3 DAYS Coverage)
PLATINUM DEBIT CARD 50,000 1,00,000 1,50,000 INR 4,50,000
RUPAY SELECT DEBIT CARD 50,000 2,00,000 2,50,000 INR 7,50,000
CREDIT CARD 15,000 UPTO SANCTIONED LIMIT UPTO SANCTIONED LIMIT UPTO SANCTIONED LIMIT

*On 3rd Nov, 2025, NPCI has changed the criteria of airport lounge access to minimum spent of Rs.5000/- on POS/ Ecommerce in previous quarter accordingly the same shall apply henceforth.

Boi Elite Salary Account

  • Declaration to be provided by the account holder who is interested to enrol in the scheme. (Annexure I)
    Annexure1-BOI-Elite-Salary-Ac.pdf
    File-size: 493 KB
  • Declaration by employer. (Annexure II)
    Annexure2-BOI-Elite-Salary-Ac.pdf
    File-size: 383 KB
  • Undertaking to exit from this scheme. (Annexure III)
    Annexure3-BOI-Elite-Salary-Ac.pdf
    File-size: 385 KB
  • Additional Term Insurance available to account holders. (Annexure IV)
    Annexure4-BOI-Elite-Salary-Ac.pdf
    File-size: 415 KB
  • Additional Health Top up available to account holders. (Annexure V)
    Annexure5-BOI-Elite-Salary-Ac.pdf
    File-size: 1 MB
  • Terms & condition of the scheme. (Annexure VI)
    Annexure6-BOI-Elite-Salary-Ac.pdf
    File-size: 1 MB