SBI CENTRAL ARMED POLICE SALARY PACKAGE(CAPSP) BENEFITS - FULL DETAILS

SBI CENTRAL ARMED POLICE SALARY PACKAGE(CAPSP) BENEFITS



मैं आज यहां आपको SBI CAPSP ACCOUNT के बारे में पूर्ण जानकारी आपके साथ साझा करने का प्रयास करूंगा जहां आपके सारी दुविधाएं समाप्त हो जाएगी, यहां दी जा रही जानकारी अपने परिवार के सदस्यों के साथ भी जरूर साझा करें |

Personnel of the following Central Armed Police Forces (CAPFs) can avail of Salary Accounts under Central Armed Police Salary Package. Retired Personnels can also open / convert their accounts in CAPSP – Pension and will be eligible for all benefits mentioned below except Insurance, Overdraft and Xpress Credit.

PMSP Account यानि पैरा मिलिट्री सैलरी पैकेज अकाउंट को अभी केंद्रीय सशस्त्र पुलिस वेतन पैकेज (CAPSP) के नाम से जाना जाता हैं।


केंद्रीय सशस्त्र पुलिस वेतन पैकेज (CAPSP) अकाउंट ,केंद्रीय सशस्त्र पुलिस बलों (सीएपीएफ) में कार्यरत जवानों के लिए अनेक सुविधाओं के साथ उपलब्ध सैलरी अकाउंट हैं।


भारतीय स्टेट बैंक, केंद्रीय सशस्त्र पुलिस बलों (सीएपीएफ) में कार्यरत जवानों के लिए केंद्रीय सशस्त्र पुलिस वेतन पैकेज (CAPSP) के माध्यम से निःशुल्क वेतन खातों का लाभ उठा सकते हैं। सीएपीएफ में निम्नलिखित केंद्रीय सशस्त्र पुलिस बल शामिल हैं।


केंद्रीय रिज़र्व पुलिस बल (सीआरपीएफ)

केंद्रीय औद्योगिक सुरक्षा बल (सीआईएसएफ)

सीमा सुरक्षा बल (बीएसएफ)

सशस्त्र सीमा बल (एसएसबी)

भारत तिब्बत सीमा पुलिस (आईटीबीपी)

राष्ट्रीय सुरक्षा गार्ड (एनएसजी)

रेलवे सुरक्षा बल (आरपीएफ)

रेलवे रेलवे सुरक्षा विशेष बल (आरपीएसएफ)


CAPF मे कार्यरत जवानों को उनके रैंक के आधार पर तीन प्रकार के केंद्रीय सशस्त्र पुलिस वेतन पैकेज (CAPSP) अर्थात गोल्ड, डायमंड तथा प्लैटिनम में उपलब्ध है।


आरपीएफ के लिए, CAPF के समकक्ष रैंक के अनुसार पैकेज प्रदान किया जाएगा।


एसबीआई सीएपीएसपी अकाउंट के लाभ (SBI CAPSP ACCOUNT BENEFITS)


1, जीरो बैलेंस बचत खाता

2, एटीएम कम डेबिट कार्ड

3, निःशुल्क सुविधाएं

4, MOD की सुविधा

5, निःशुल्क व्यक्तिगत दुर्घटना बीमा

6, ऋण मे छूट

7, बैंक लॉकर किराये मे छूट

8, ओवरड्राफ्ट की सुविधा

9, CAPF के रिटायर्ड सैनिकों के लिए स्पेशल सुविधा


PMSP अथवा CAPSP अकाउंट खुलवाने के लिए आप अपने नजदीकी बैंक की शाखा में संपर्क करें।


Available in three variants, namely Gold, Diamond and Platinum categorised on the rank of the personnel. यह खाता कर्मियों के रैंक पर वर्गीकृत गोल्ड, डायमंड और प्लेटिनम नाम के तीन प्रकारों में उपलब्ध है


GOLD : SUBEDAR MAJOR, INSPECTOR, SUB-INSPECTOR, ASSISTANT SUB INSPECTOR, HEAD CONSTABLE, CONSTABLE, ENROLLED FOLLOWER


DIAMOND: DEPUTY COMMANDANT, ASSISTANT COMMANDANT


PLATINUM: COMMANDANT, SECOND-IN-COMMAND, DIRECTOR GENERAL, SPECIAL DIRECTOR GENERAL, ADDITIONAL DIRECTOR GENERAL, INSPECTOR GENERAL, DEPUTY INSPECTOR GENERAL


FOR RPF, VARIANTS WILL BE CATEGORISED AS PER EQUIVALENT RANK IN CENTRAL ARMED POLICE FORCES.


Benefits to serving personel


  1. Zero balance account and free unlimited transactions across ATMs of any Bank. 

  2. Complimentary Personal Accident Insurance (Death) cover of Rs. 50 Lakhs to all ranks.

  3. Complimentary Air Accident Insurance (Death) cover of Rs. 1 Crores to all ranks.(Terms & Conditions Apply).

  4. Complimentary Personal Accident (Permanent Total Disablement) cover of Rs. 50 Lakhs to all ranks.

  5. Complimentary Personal Accident (Permanent Partial Disablement) cover upto Rs. 10 Lakhs to all ranks.

  6. Xpress Credit Personal Loans, Home Loans, Car Loans and Education Loans available at attractive rates.

  7. 100% waiver of processing fee on Xpress Credit Personal Loans, Car Loans and Home Loans (Actual TIR and Valuation charges will be recovered, where applicable).

  8. Up to 25% off on annual locker rent.

  9. Avail of Auto-Sweep to create e-MODs (Multi Option Deposits) and earn higher interest.

  10. Free issuance of Drafts, Multi City Cheques, SMS Alerts. NEFT/RTGS.

  11. Overdraft equivalent to 2 Months Net Salary (subject to maximum cap based on variant of account)

  12. Earn points on various transactions through our loyalty program SBI Rewardz.

  13. Host of regular offers on Debit Cards and YONO by SBI.

  14. Additional Rs. 10 Lakhs for death against terrorist/ Naxalites/ foreign enemy.

  15. Family Savings Account – SBI Ristey.

  16. Xpress Credit loan cover upto 5 Lakh for SBI Loan Account for death in action against Anti National Activities / Terrorist / Naxalites / Foreign enemy.


Note: In case, the monthly salary is not credited into the account for more than 3 consecutive months, the special features offered under Salary Package will stand withdrawn and the account shall be treated as Normal Savings Account under our standard charge structure, and all charges shall be levied and applied as applicable to normal savings accounts.


Benefits to pensioner veterans


  1. Zero balance account and free unlimited transactions across ATMs of any Bank.

  2. Complimentary Personal Accident Insurance (Death) cover of Rs. 30 Lakhs to all ranks.

  3. Home Loans, Car Loans and Education Loans available at attractive rates.

  4. 100% waiver of processing fee on Car Loans and Home Loans (Actual TIR and Valuation charges will be recovered, where applicable).

  5. Up to 25% off on annual locker rent

  6. Avail of Auto-Sweep to create e-MODs (Multi Option Deposits) and earn higher interest.

  7. Demat & Online Trading A/c facility available.

  8. Free issuance of Drafts, Multi City Cheques, SMS Alerts. NEFT/RTGS.

  9. Earn points on various transactions through our loyalty program SBI Rewardz.

  10. Host of regular offers on Debit Cards and YONO by SBI


उपर दी गई जानकारी सिर्फ आपके लिए थी अब इसके नीचे दी गई जानकारी अपने परिवार के सदस्यों को भी बताएं. 

How to avail insurance, how to apply for SBI CAPSP Insurance in death case. ये सभी जानकारी अपने परिवार के सदस्यों को बताकर रखनी चाहिए, कि सेवा रहते हुए मेरे साथ यदि किसी प्रकार की अनहोनी हो जाती है तो आप लोगों को सरकार और बैंक की तरफ से क्या क्या और कितना मिलेगा, परिवार के सदस्यों को कैसे आवेदक करना है ये सब जानकारी मैं आपके साथ साझा करने जा रहा हूँ, आपसे अनुरोध है कृपया ये सभी जानकारियां अपने नजदीकियों को जरूर दें |


SALARY PACKAGE ACCOUNTS COMPLIMENTARY ACCIDENT INSURANCE COVERS RENEWAL OF GROUP PERSONAL ACCIDENT INSURANCE POLICY FOR THE PERIOD 04.01.2021 TO 03.01.2022



The Group Personal Accident Insurance Policy for Salary Package Accounts has been renewed and United India Insurance Company Limited (UIICL) has been re-appointed as Insurance Provider for the period from 04/01/2021 to 03/01/2022.


2. While amount of Personal Accident Insurance (Death) Cover, Air Accident Insurance (Death) Cover, Disablement Cover remain unchanged, Child Education Cover has been enhanced from 15% to 25% with a ceiling of Rs. 5 lac under Add-on- covers. Details mentioned in Annexure A


3. The Bank has decided to continue the services of the existing Insurance Broker i.e. Anand Rathi Insurance Brokers Ltd (ARIBL) who will co-ordinate with United India Insurance Company Limited for expeditious settlement of claims. Death Intimation as well as Claims Forms may also be marked to them for expeditious settlement. Details of the Insurance company and Insurance Broker along with the contact number of the dealing officer has been furnished in Annexure B.


4. The undernoted annexures detailing claim submission process along with requisite forms required to be submitted by claimants to Insurance Company for settlement of Accident Insurance Claims are also attached:


Annexure 1, 2 :- > General Guidelines., > Terms and conditions for Add on Covers


Annexure 3, 3A, 3B :- >Claim submission procedure., >Contact details of Insurance Company with, >escalation Matrix, >Grievance redressal mechanism.


Annexure 4 :- Claim Intimation Form.


Annexure 5 :- Claim Submission Form.


Annexure 6 :- Branch Certificate.


Annexure 7 :- Nominee's Account Details (NEFT/RTGS Form).


Annexure 8 :- Branch Forwarding Letter


Annexure 9,10,11 :- Permanent Total and Partial Disability Claim forms.



5. It is essential that the Salary Accounts are opened with appropriate/ correct customer type and product codes under Central Armed Police Salary Package (CAPSP). There may be cases where salary is being credited but account is not categorised as CAPSP or salary is being credited in normal Savings Bank Account and some other account is categorised as CAPSP. Benefits of Salary Package will not be available in such cases. Hence, we request to please advise you personnel to verify whether their account have been properly classified as CAPSP with appropriate variant such as Gold / Diamond Platinum through Pass Book / Internet Banking / YONO and if account is not categorised properly, they should submit a written request to their Home Branch along with latest KYC documents.


Assuring you of our Best services always.


Your faithfully


(Ajay Kumar Jha)

Deputy General Manager (SPA)



Annexure-A


GROUP PERSONAL ACCIDENT INSURANCE POLICY (04/01/2021-03/01/2022)


A: PERSONAL ACCIDENT INSURANCE (DEATH) COVER

Package : DSP, CAPSP, ICGSP

[Gold, Diamond, Platinum] - Rs. 30 Lac


B: AIR ACCIDENT INSURANCE (DEATH)

Package : DSP, CAPSP, ICGSP

[Gold, Diamond, Platinum] - Rs. 100 Lac**


**Mandatory Condition for eligibility to claim AAI :- The AAI cover claim will be treated as a valid claim only in event of accident death occurring while undertaking journey by Airline/ Acro plane/ Helicopter and the related air ticket having been purchased by debit to Salary Package Account using State Bank Debit Card/Internet Banking (INB)


C: PERMANENT TOTAL DISABILITY COVER


Package :-DSP, CAPSP, ICGSP

Silver, Gold, Diamond, Platinum - Rs. 30 Lac 


(Permanent Total Disablement (PTD) : Claims will be settled as per IRDA guidelines only in event of injury occurring to insured Salary Package Account holder, solely and directly from accident caused by external, violent and visible means within 12 calendar months of its occurrence resulting in total permanent disablement, the claim will be settled as per IRDA guidelines on PTD).


D: PERMANENT PARTIAL DISABILITY COVER

Package : DSP, CAPSP, ICGSP

[Gold, Diamond, Platinum] - Rs. 10 Lac


E: ADD-ON COVERS INCLUDED IN PAI (APPLICABLE IN CASE OF ACCIDENTAL DEATH UNDER ALL SALARY PACKAGES)


Description : Cover amount


  • Cost of Plastic Surgery/Burn : Rs. 2.00 lac (only for Gold, Diamond & Platinum)


  • Transportation of Imported Medicine : Rs. 1.00 lac (only for Gold, Diamond & Platinum)


  • Death after Coma after accident (more than 24 hrs) : Rs. 2.00 lac


  • Air Ambulance Cover : Rs. 5.00 lac


  • Higher Education (for College and higher studies) : 25% of PAI cover (maximum Rs. 5.00 lac)


  • Girl Child Cover for Marriage (18-25 age) -10% of entitled PAI Cover : 10% of PAI Cover (maximum Rs. 2.00 lac)


  • Family Transportation (cost of travel incurred by immediate 2 family members to reach the place of accident) : Rs. 20,000/-


  • Repatriation of mortal remains : Rs. 20,000/-


  • Ambulance Charges : Rs 1500/-


Abbreviations used above: (DSP : Defence Salary Package; CAPSP : Central Armed Police Salary Package; ICGSP : Indian Coast Guard Salary Package).




Annexure- B


GROUP PERSONAL ACCIDENT INSURANCE POLICY (04/01/2021-03/01/2022)

INSURANCE COMPANY: UNITED INDIA INSURANCE COMPANY LTD.


CONTACT DETAILS AND ESCALATION MATRIX UNITED INDIA INSURANCE CO. LTD (UIIC)


Any communications for correspondence regarding claims should be sent to


Address :- United India Insurance Co. Ltd, Divisional Office-XI, Maker Bhavan No. 1, 1st floor, Sir VT Marg, Mumbai-400020.


Status of the claims can be sought, using system generated claim number/ Account Number, by any of the following channels:-


Email ID : 120300@uiic.co.in/ vtsangtani@uiic.co.in

Land Line Number : 022-22624525/ 22624818

Fax No. : 022-22624579


Escalation Matrix (UIIC) - Contact Details


1st Escalation : Administrative Officer : 8108145679

2nd Escalation : Assistant Manager : 7507900037

3rd Escalation : Divisional Manager :  9730228022


INSURANCE BROKER M/S ANAND RATHI INSURANCE BROKERS LTD.POLICY PERIOD: 04/01/2021 TO 03/01/2022


Correspondence Address:

M/s Anand Rathi Insurance Brokers Lt. (ARIBL),

Regent Chambers, 10th Floor, Jamnalal Bajaj Marg,

Nariman Point, Mumbai- 400021, Maharashtra

Toll Free No.: 1800-123-8733

Email ID: paihelpdesk@rathi.com


Land Line No. :022-49093000/3003/3006


Contact details of dealing officials:


Bhupendra Thanekar : Manager (Corporate General Insurance)

bhupendrathanekar@rathi.com Mobile No - 9833784147


Kunal Balakrishnan : Asstt. Manager

kunalbalakrishnan@rathi.com, Mobile No. 9167866050



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