Maha Suraksha Payroll Scheme
 
SI No. Particulars of Service/ Product Commissioned Officers Personnel below the Rank of Commissioned Officers
1 Initial Deposit Account can be opened with zero balance. The initial credit could be by way of credit of salary/ dleposit of cheque or other instruments Account can be opened with zero balance. The initial credit could be by way of credit of salary/ deposit of cheque or other instruments
2 Minimum BalanceRequired No minimum balance required in the account No minimum balance required in the account
3 Interest on Deposits in theAccount As applicable to normalsavings bank account As applicable to normalsavings bank account
4 Easy Over draft 4 times of net monthly salaryMax, Rs. 2 lac 3 times of net monthly salaryMax. Rs.1 lac.
5 Personalised ChequeLeaves Unlimited free leaves 75 free leaves per year
6 Demand Drafts (DDs) Unlimited Free DDs (if not against cash deposit in the same day) Unlimited Free DDs (if not against cash deposit in the same day)
7 RTGS/ NEFT Unlimited free remittance Unlimited free remittance
8 Cash deposit at Non-Home Free at all our branches Free at all our branches
9 Cash withdrawal through self drawn cheque at Non- Home Branch Free (within daily maximum limit of 50,000/-) Free (within daily maximum limit of 50,000/-)
10 ATM-cum-Debit Card Free for lifeCash withdrawal limit:50,000/- per day Free for lifeCash withdrawal limit:25,000/- per day
11 Transactions at Non-BoMATMs in India Free Free
12 Internet Banking/ PhoneBanking/ SMS Banking Free Free
13 e-statement of account(monthly) Free Free
14 Personal AccidentalDeath Insurance Cover 3 lac 2 lac
15 Credit Card (Bank of Maharashtra & SBI Co- branded Card) Free International Gold Card(no Annual Maintenance Fee) 75% concession in Annual Maintenance Fee of International Gold Card
16 Concession in Locker Rents for self and immediate family members 30% 25%
17 Interest concession onRetail Roans such asHome Loan, Auto Loanetc 0.25% less than the rateapplicable to public(subject to minimum of BaseRate) 0.25% less than the rateapplicable to public(subject to minimum of BaseRate)
18 Concession in margin inhome, auto loans 10% concession s.t. regulatoryguidance 5% concession s.t. regulatoryguidance
19 Processing Charges onRetail Loans such asHome Loan, Vehicle Loan Full waiver Full waiver
20 Educational Loans to wards of defence personnel Available as per IBA ModelEducation Scheme Available as per IBA ModelEducation Scheme
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IMPORTANT: Bank of Maharashtra never ask for Bank account details for any purpose through phone call/email/SMS.

Bank appeals to all the customers not to respond to such phone call/email/SMS and not to share their bank account detail with any one for any purpose. Never share your CVV/ PIN No. of Debit/Credit card to anyone.