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Salary Accounts under

Defence Salary Package (DSP)

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Defence Salary Package (DSP)

Defence personnel of the Army, Navy, Air Force, Indian Coast Guard, Assam Rifles, Rashtriya Rifles (RR) and GREF [Border Road Organisation (BRO)] can avail of Salary Accounts under Defence Salary Package (DSP)

Available in four variants, namely Silver, Gold, Diamond and Platinum categorised on the rank of the personnel of Army, Navy, Air Force, Assam Rifles, RR and GREF (Border Road Organisation). PBORs are categorised in the Silver Variant; Officers are categorised under Gold, Diamond and Platinum Variants


  • Silver: JCOs & Other Ranks
  • Gold: Lieutenant, Captain, Major
  • Diamond: Lt Colonel and Colonel
  • Platinum: Brigadiers, Major General, Lt. General, General


  • Silver: Sea II, Sea I, Leading Seaman, Petty Officer, Chief Petty Officer, Master Chief Petty Officer-II and Master Chief Petty Officer-I
  • Gold: Sub Lieutenant, Lieutenant and Lieutenant Commander
  • Diamond: Commander, Captain.
  • Platinum: Commodore, Rear Admiral, Vice Admiral and Admiral

*DSP Accounts of Sailors joining Navy before they attain majority, will be opened without the Overdraft facility and Personal Accident Insurance Cover / Air Accident Insurance Cover

DSP-Air Force

  • Silver: Personnel Below Officer Rank
  • Gold: Asst. Engineer/ Asst. Administrative Officer, Asst. Executive Engineer/ Administrative Officer/ Medical Officer II, Executive Engineer/Senior Administrative Officer/ Medical Officer I
  • Diamond: Superintendent Engineer/ Joint Director (Administration), Superintendent Engineer (Selection Grade)/ Director (Administration)
  • Platinum: Chief Engineer, Additional Director General, Director General

DSP-General Reserve Engineering Force (GREF)/Border Road Organisation (BRO)

  • Silver: Personnel Below Officer Rank
  • Gold: Flying Officer, Flight Lieutenant, Squadron Leader
  • Diamond: Wing Commander, Group Captain
  • Platinum: Air Commodore, Air Vice Marshal, Air Marshal, Air Chief Marshal

DSP-Assam Rifles

  • Silver: Lance Naik, Nalband, Havaldar, Warrant Officer, Havaldar Major, Naib Subedar, Subedar, Subedar Major
  • Gold: Deputy Commandant, Assistant Commandant (Equivalent to Lt and Capt in the Army)
  • Diamond: Commandant, Second-in-Command (Equivalent to Major, Lt Col and Col in the Army)
  • Platinum: Personnel at this level are being deputed from Army and DSP Army would be offered to them

DSP-Rashtriya Rifles

  • Personnel in Rashtriya Rifles are on deputation from Indian Army and hence covered under DSP Army. Accounts are classified as per ranks in Army
  • Benefits to the Employer
    • Hassle-free account opening process. On request, our officials will visit your premises to on-board your employees. Employees can also opt to open their accounts online or by visiting the nearest branch.
    • A convenient way to manage salaries across a large number of centres, through the Bank's award-winning Corporate Internet Banking.
    • Online facilities reduce paperwork and salary administration cost. Enjoy instant credit of salaries to your employees' accounts.
    • Zero charge for salary disbursement.
    • Equipping your employees with a power-packed Salary Account that is trusted by the largest organisations in India
  • Benefits to the Employee
    • Zero balance account and free unlimited transactions across ATMs of any Bank. Also comes bundled with SBI Credit Card.
    • Complimentary Personal Accident Insurance (Death) cover up to Rs. 20 Lakhs.
    • Complimentary Air Accident Insurance (Death) cover up to Rs. 30 Lakhs.
    • Avail of Personal Loans, Home Loans, Car Loans and Education Loans at attractive rates and 100% waiver on processing fees.
    • Upto 25% off on locker charges
    • Avail of Auto-Sweep to create e-MODs (Multi Option Deposits) and earn higher interest.
    • Avail of Demat & Online Trading A/c at the time of on-boarding itself.
    • Free issuance of Drafts, Multi City Cheques, SMS Alerts. Free online NEFT/RTGS.
    • Overdraft equivalent to 2 Months Net Salary (Currently available for select customers only)
    • Earn points on various transactions through our loyalty program SBI Rewardz.
    • Host of regular offers on Debit Cards and YONO by SBI
    • The facilities under DSP accounts will be continued even for pension accounts after retirement provided the Ex-Service personnel is drawing his pension through our Bank. The existing pensioners, who have retired prior to the introduction to DSP are eligible for facilities under Defence Salary Package. The following features are not available to pensioners:

    • Two months salary as Overdraft
    • X-press credit personal loan
    • Free Personal Accident Insurance (death) Cover with ad-on benefit
    • Air Accidental Insurance (death) cover