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Salary
Elevate your Banking experience with Equitas. We at Equitas have gone that extra mile to ensure that our products suit your needs, are hassle-free, Digital, and Easily Accessible.

Universal Salary Account

Seed your savings today and let the money grow. Simple savings, attractive interest rates and easy to access.

Features features

Waiver of Balance Maintenance
Attractive Interest Rates
Grouping of One Family Member Account
Debit Card
Savings Account Interest Rate
Daily Closing Balance
Rate Slab
Upto ₹ 10 lakh
6.00%
₹ 10 lakh and above
6.50%

Interest will be calculated on the daily closing balance of the account

Interest will be paid on quarterly basis by direct credit in the savings account

Slabs rates are applicable on the incremental amount based on the closing balance

Please read all terms and conditions

features Charges

Schedule of Charges for Savings Accounts w.e.f September 2016
AQB (Required)
NIL
Non Maintenance Charges
NA
Savings Account Grouping
Can group one family member account for same variant
Group AQB for Savings Grouping
Waiver as per Salary Account
Cheque book (PAP cheque book of 25 leafs)
1 cheque book free per half year
Charges beyond free limits
₹ 2 per leaf
Local cheque clearing
Free
Outstation cheque collection charges at bank location
Outstation cheque collection charges at non-bank location
Upto ₹ 5000 charge of ₹ 25, Above 5000 and upto and including ₹ 10,000 charge of ₹ 50/-, Above ₹ 10,000 and upto including ₹ 100000 charge of ₹ 100/-, Above ₹ 100000 charge of ₹ 150/-
RTGS Inward
Free
NEFT Inward
Free
IMPS Inward
Free
Foreign inward remittance
Free
Demand Draft and Payorder at branch locations
Free upto 2 DDs per month
Charges beyond free limits
₹ 50 per DD
Demand Draft at non-branch locations
₹ 100 per DD
PAP cheque payment
Free
RTGS and NEFT Outward at Branch (Free online)
Upto ₹ 10000/- (NEFT) ₹ 2.5, From ₹ 10001 to ₹ 100000 (NEFT): ₹ 5, From ₹ 100001 to ₹ 200000 (NEFT): ₹ 15, From ₹ 200001 to ₹ 500000 (NEFT/RTGS): ₹ 25, Greater than ₹ 500000 (NEFT/RTGS): ₹ 50
IMPS Outward
Part of Aggregated Transactions per month as mentioned below
Cash Deposit limit at home location
Free Upto ₹ 1,00,000 per month
Charges beyond free limits
₹ 3/1000
Cash Deposit limit at non-home location
NIL
Charges beyond free limits
₹ 4/1000
Cash Withdrawal at home location
Free
Cash Withdrawal at non-home location
₹ 4/1000
Debit Card Cash Withdrawal transactions at metro location other ATMs
3
Debit Card Cash Withdrawal transactions at non-metro location other ATMs
5
Charges beyond free limits of ATM withdrawals
₹ 20 per transaction
Rupay / VISA Classic Debit Card (Charges for Issuance, annual fees, re-issuance)
₹ 150
Rupay Platinum Debit Card with chip (Charges for issuance, annual fees, re-issuance)
₹ 550
VISA Gold Debit Card (Charges for Issuance, annual fees, re-issuance)
₹ 350
VISA Platinum Debit Card (Charges for Issuance, annual fees, re-issuance)
₹ 500
VISA Signature Debit Card (Charges for Issuance, annual fees, re-issuance)
₹ 999
Stop payment single cheque
₹ 100 per cheque
Stop payment series
₹ 150 for a series of 25 cheques
Outward cheque return charges for financial reasons
₹ 50 per cheque
Outward cheque return charges for technical reasons
NIL
Inward cheque return charges for financial reasons
₹ 350 per cheque for up to 2 cheques, ₹ 500 per cheque for 3-5 cheques, ₹ 750 per cheque 6th cheque onwards
Inward cheque return charges for technical reasons
NIL
Standing instructions set up
₹ 25 per instance
Standing instructions amendment
₹ 25 per instance
Standing instructions failure (return)
₹ 150 per return
ECS return due to financial reasons
₹ 200 per return
SMS alerts
₹ 15 per quarter
Balance Certificate at Branch (Online Free)
₹ 250/- per instance
Previous Year balance and interest statement (Free Online)
1 free per annum, more than 1 ₹ 300/- per statement
Passbook Issuance
Free
Duplicate passbook issuance
₹ 50/-
Signature verification certificate
₹ 50/- per instance
Photo Attestation/Address Confirmation
₹ 50/- per instance
Duplicate TDS certificate
₹ 100/-
Duplicate account statement print (Free online or on email)
₹ 200/-
DD/PO revalidation/cancellation
₹ 100/-
Account closure charges
NIL
Account inactive charges
NIL
Cheque pickup
₹ 50 per instance
Cash pickup beat (charges per month)
Upto ₹ 200000
₹ 2200/-
₹ 200000 to ₹ 500000
₹ 3200/-
₹ 500000 to ₹ 1000000
₹ 8000/-
₹ 1000000 to ₹ 2000000
₹ 12000/-
₹ 2000000 above
Contact Branch
Cash pickup on call (charges per instance)
Upto ₹ 200000
₹ 150/-
₹ 200000 to ₹ 500000
₹ 300/-
₹ 500000 to ₹ 1000000
₹ 500/-
₹ 1000000 to ₹ 2000000
₹ 800/-
₹ 2000000 above
Contact Branch
* Available on request at select locations only
Aggregation of all the customer induced transactions including:
Cash/Cheque/RTGS/NEFT/DSB/DD/IMPS(Excluding Online and ATM Transaction)
5 transactions free per month
Charges beyond free limits
₹ 15 per transaction over and above the individual transaction limit charges
  • Taxes as applicable will be additional
PAP: Payable At Par
NA: Not Applicable
SA: Savings Account
CA: Current Account