Central Government Employees Salary Account Package: Features, Benefits & Bank Details | DO Letter MoF Secretary dated 16/01/2026

I am pleased to inform you that the Department of Financial Services (DFS), Ministry of Finance, has launched the Salary Account Package for all Central Government Employees on 14.01.2026. The package has been developed by all twelve (12) Public Sector Banks (PSBs) as per the advice of this Department, with the objective of providing enhanced financial security, improved service delivery and better banking convenience to the Central Government employees across Ministries/Departments.

The Salary Account Package encompasses three core segments - Banking, Insurance and Cards - making it a one-stop financial solution for employees. The major features of the Package are as under:

Zero-balance salary account with enhanced facilitates - Free remittances i.e. RTGS/ NEFT/ UPI and cheque book facilities - Concessional interest rate on housing, education, vehicle and personal loans. - Waivers on locker rental and loan processing charges - Personal Accident Insurance up to ₹ 1.50 crore - Air Accident Insurance up to ₹ 2.00 crore - Permanent Total & Partial Disability Cover up to ₹ 1.50 crore - Term Life Insurance benefits up to ₹ 20 lakh, with additional top-up facility - Comprehensive Health Insurance cover for self/ family with base plan and additional top-up facility - Enhanced benefits on Debit & Credit Cards

The package offers a comprehensive insurance suite covering life and medical needs, ensuring robust financial protection for employees and their families. The detailed features of the Salary Account Packages offered by all the twelve (12) PSBs are available on the DFS website at the following link: https://financialservices.gov.in/beta/en/page/salary- account- package- central- govt- employees.

It is requested that this information may please be disseminated among all officers and staff, including those in attached and subordinate offices. In this regard, an e-banner has also been developed (enclosed in the e-mail) which may be displayed on your Ministry/Department's internal webpage/e-office dashboard/HRM portal, along with a hyperlink to DFS webpage at https://financialservices.gov.in/beta/en/page/salary- account- package- central- govt- employees, for wider awareness among employees.

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4. For effective implementation of the packages, banks have been advised to conduct on-site facilitation camps in the premises of Ministries/Departments for account opening and employee assistance under this package. These camps will be organised jointly by banks, in consultation with the concerned Ministry/Department. Employees shall have the choice to select any one of the 12 PSB's salary package for opening their Salary Account, based on their individual preference.

It is requested to extend necessary cooperation and facilitate banks to organise such camps within office premises for the benefit of employees.

I look forward to your support in ensuring the smooth and effective implementation of this employee-centric initiative across all Ministries and Departments in the country.

With regards,

Yours sincerely,

(M. Nagaraju)

All Secretaries to the Government of India (As per list enclosed)

1. Ministry of Agriculture and Farmers Welfare, Department of Agricultural Research and Education (DARE)
2. Ministry of Agriculture and Farmers Welfare, Department of Agriculture and Farmers Welfare
3. Ministry of Ayush
4. Ministry of Chemicals and Fertilizers, Department of Chemicals and Petrochemicals
5. Ministry of Chemicals and Fertilizers, Department of Fertilizers
6. Ministry of Chemicals and Fertilizers, Department of Pharmaceuticals
7. Ministry of Civil Aviation
8. Ministry of Coal
9. Ministry of Commerce and Industry, Department of Commerce
10. Ministry of Commerce and Industry, Department for Promotion of Industry and Internal Trade
11. Ministry of Communications, Department of Posts
12. Ministry of Communications, Department of Telecommunications (DOT)
13. Ministry of Consumer Affairs, Food and Public Distribution, Department of Consumer Affairs
14. Ministry of Consumer Affairs, Food and Public Distribution, Department of Food and Public Distribution
15. Ministry of Cooperation
16. Ministry of Corporate Affairs
17. Ministry of Culture
18. Ministry of Defence, Department of Defence
19. Ministry of Defence, Department of Defence Production
20. Ministry of Defence, Department of Defence Research & Development
21. Ministry of Defence, Department of Ex-Servicemen Welfare
22. Ministry of Defence, Department of Military Affairs
23. Ministry of Development of North Eastern Region
24. Ministry of Earth Sciences
25. Ministry of Education, Department of Higher Education
26. Ministry of Education, Department of School Education and Literacy
27. Ministry of Electronics and Information Technology
28. Ministry of Environment, Forest and Climate Change
29. Ministry of External Affairs
30. Ministry of Finance, Department of Economic Affairs
31. Ministry of Finance, Department of Expenditure
32. Ministry of Finance, Department of Investment and Public Asset Management
33. Ministry of Finance, Department of Revenue
34. Ministry of Fisheries, Animal Husbandry & Dairying, Department of Animal Husbandry and Dairying
35. Ministry of Fisheries, Animal Husbandry & Dairying, Department of Fisheries
36. Ministry of Food Processing Industries
37. Ministry of Health and Family Welfare, Department of Health and Family Welfare
38. Ministry of Health and Family Welfare, Department of Health Research
39. Ministry of Heavy Industries
40. Ministry of Home Affairs, Department of Border Management
41. Ministry of Home Affairs, Department of Home
42. Ministry of Home Affairs, Department of Official Language
43. Ministry of Housing and Urban Affairs

44. Ministry of Information and Broadcasting

45. Ministry of Jal Shakti, Department of Drinking Water and Sanitation

46. Ministry of Jal Shakti, Department of Water Resources, River Development and Ganga Rejuvenation

47. Ministry of Labour and Employment

48. Ministry of Law and Justice, Department of Justice

49. Ministry of Law and Justice, Department of Legal Affairs

50. Ministry of Law and Justice, Legislative Department

51. Ministry of Micro, Small and Medium Enterprises

52. Ministry of Mines

53. Ministry of Minority Affairs

54. Ministry of New and Renewable Energy

55. Ministry of Panchayati Raj

56. Ministry of Parliamentary Affairs

57. Ministry of Personnel, Public Grievances and Pensions, Department of Administrative Reforms and Public Grievances (DARPG)

58. Ministry of Personnel, Public Grievances and Pensions, Department of Pension & Pensioners' Welfare

59. Ministry of Personnel, Public Grievances and Pensions, Department of Personnel and Training

60. Ministry of Petroleum and Natural Gas

61. Ministry of Planning

62. Ministry of Ports, Shipping and Waterways

63. Ministry of Power

64. Ministry of Railways

65. Ministry of Road Transport and Highways

66. Ministry of Rural Development, Department of Land Resources (DLR)

67. Ministry of Rural Development, Department of Rural Development (DRD)

68. Ministry of Science and Technology, Department of Biotechnology

69. Ministry of Science and Technology, Department of Science and Technology (DST)

70. Ministry of Science and Technology, Department of Scientific and Industrial Research (DSIR)

71. Ministry of Skill Development and Entrepreneurship

72. Ministry of Social Justice and Empowerment, Department of Empowerment of Persons with Disabilities

73. Ministry of Social Justice and Empowerment, Department of Social Justice and Empowerment

74. Ministry of Statistics and Programme Implementation

75. Ministry of Steel

76. Ministry of Textiles

77. Ministry of Tourism

78. Ministry of Tribal Affairs

79. Ministry of Women and Child Development

80. Ministry of Youth Affairs and Sports, Department of Sports

81. Ministry of Youth Affairs and Sports, Department of Youth Affairs

82. Department of Atomic Energy

83. Department of Space

84. NITI Aayog

85. President's Secretariat