Salary Account Kya Hota Hai? Benefits, Charges & Conversion (2026 Guide)

 

Salary Account kya hota hai?

Salary Account ek bank account hota hai jisme employer employee ki salary credit karta hai. Interest savings account jaisa hi hota lekin features alag.

Salary Account ke Benefits

✔ Zero balance
✔ Free debit card
✔ Higher withdrawal limits
✔ Free NEFT/IMPS
✔ Credit score build support
✔ Offers (UPI/Credit)

Salary Account kab convert hota hai?

Agar 3–6 months me salary credit na aaye to
➡ account convert ho jata hai → Savings Account

Salary Account vs Savings Account

Feature	Salary	Savings
Balance	Zero	Min balance
Employer	Required	Not required
Convert	Yes	No
Offers	High	Medium

Salary Account me Loan Eligibility

✔ Personal Loan
✔ Credit Card
✔ Consumer Loans
✔ Pre-approved offers

Closing / Transfer Rules

✔ Job change → new salary account
✔ Old account → savings convert
✔ Multiple salary accounts possible

FAQ

Q: Zero balance permanent? → No
Q: Company close? → Convert
Q: Credit card milta? → Yes