GOVERNMENT OF ANDHRA PRADESH
State Government Salary Package (SGSP) – SBI
Official Circular Memo No. 2745769
Date: 03 July 2025
Salary Account Benefits, Insurance Coverage and Banking Concessions
- Department: Institutional Finance, Government of Andhra Pradesh
- Subject: Memorandum of Understanding with State Bank of India regarding the State Government Salary Package (SGSP).
- Reference: Memorandum of Understanding dated 20 March 2025.
- Beneficiaries: Regular employees of the Andhra Pradesh State Government, subject to the applicable package eligibility and terms.
- Issuing authority: Secretary to Government (B&IF), Government of Andhra Pradesh.
The Government of Andhra Pradesh has circulated information regarding the Memorandum of Understanding executed with State Bank of India for the State Government Salary Package. The circular dated 03 July 2025 forwards the package features for the necessary information of concerned departments and officials.
1. SGSP Salary Account Variants
The annexure lists five salary-package variants with different net monthly salary-credit eligibility ranges.
| Package Variant | CBS Product Code | Net Monthly Salary Credit Eligibility |
|---|---|---|
| Rhodium | 10291581 | Above ₹2,00,000 |
| Platinum | 10291461 | Above ₹1,00,000 up to ₹2,00,000 |
| Diamond | 10291451 | Above ₹50,000 up to ₹1,00,000 |
| Gold | 10291441 | Above ₹25,000 up to ₹50,000 |
| Silver | 10291431 | Above ₹10,000 up to ₹25,000 |
Eligibility ranges are transcribed from the package table in the supplied circular. Confirm the applicable variant with SBI before opening or converting a salary account.
2. Insurance Benefits Mentioned in the Annexure
The SGSP features annexure lists the following insurance and accident-related benefits.
| Benefit | Coverage mentioned in the document |
|---|---|
| Complementary Personal Accident Insurance (death) | Up to ₹100 lakh |
| Complementary Air Accident Insurance (death) | Up to ₹160 lakh |
| Permanent Total Disability (PTD) | Up to ₹100 lakh |
| Permanent Partial Disability (PPD) | Up to ₹80 lakh |
| Group Term Life Insurance | ₹10 lakh |
3. Optional Super Top-Up Health Insurance
The circular includes a Super Top-Up Health Insurance section associated with Bajaj Allianz General Insurance Co. Ltd. The document describes this cover on an individual-payment basis.
| Sum insured / deductible shown | Premium figures printed in the annexure (including tax) |
|---|---|
| ₹15 lakh / ₹2 lakh | ₹1,623; ₹1,763; ₹1,843; ₹1,995 |
| ₹30 lakh / ₹3 lakh | ₹2,056; ₹2,229; ₹2,332; ₹2,495 |
The source PDF's table alignment does not clearly establish every premium's corresponding package column. Please check the original annexure or obtain the current premium table from SBI before selecting a policy.
4. Additional Insurance Covers
The annexure lists the following additional covers and limits:
| Additional cover | Limit stated in the circular |
|---|---|
| Plastic surgery in burn cases | Maximum ₹1 lakh |
| Transportation of imported medicine | Maximum ₹5 lakh |
| Death in coma for more than 48 hours after an accident | ₹5 lakh |
| Air ambulance | Maximum ₹10 lakh |
| Child higher education cover for graduation | 25% of entitled personal accident insurance cover, up to ₹8 lakh; the annexure mentions a separate limit for a girl child. |
| Girl child marriage cover | 20% of entitled personal accident insurance cover, subject to the limits specified in the annexure. |
| Family transportation to the accident location | Maximum ₹50,000 |
| Repatriation of mortal remains | Maximum ₹50,000 |
| Ambulance charges | Maximum ₹50,000 |
| Death while performing duties on foreign soil | Additional cover of ₹10 lakh is mentioned for salary packages. |
These are descriptions and limits appearing in the supplied PDF. Conditions, age restrictions, percentage calculations, and policy exclusions should be checked in the original document and policy.
5. Banking Concessions and Account Facilities
Annexure II lists several banking facilities associated with SGSP.
| Facility | Benefit stated in the annexure |
|---|---|
| Minimum balance | Nil |
| Locker charges | 50% concession is indicated for applicable higher variants; nil is shown for the other applicable category in the table. |
| Multi-City Cheques | 25 cheque leaves free per month, except for bulk requirements. |
| RTGS / NEFT charges | Waived through online channels for all variants; offline waivers are indicated for Diamond, Platinum and Rhodium. |
| Standing instructions within SBI | Free |
| Demand drafts | Charges waived for an unlimited number of drafts when debited through the salary account. |
| ATM-cum-debit card | Free, subject to the MoU's terms and conditions. |
| ATM transactions | Unlimited free transactions at bank ATMs in India are indicated in the annexure. |
| Debit-card issuance and annual maintenance | Free, subject to applicable terms and conditions. |
| Auto Sweep facility | Available on customer request, with a stated threshold of ₹35,000. |
Bank fees and concessions may depend on the variant, transaction channel and current SBI terms. Confirm applicable conditions with SBI.
6. SBI Rishtey Family Savings Account
Annexure II describes the SBI Rishtey family savings account facility for eligible Gold and higher SGSP salary-account holders. It mentions up to four family members selected from the following:
- Spouse
- Children
- Parents
- Siblings
The annexure lists these benefits for Rishtey accounts:
- Regular Savings Bank Account.
- Nil minimum balance / monthly average balance.
- Classic debit card with free issuance and annual maintenance, as stated in the annexure.
- Unlimited free ATM transactions at the bank ATM network using the linked debit card, subject to terms.
- Multi-City Cheque charges: nil, except bulk requirements exceeding 25 leaves per month.
- Online NEFT / RTGS free; offline charges may apply.
- Demand draft free when debited to the Rishtey account.
- Auto Sweep facility available.
- SMS alert charges listed as free.
- 10% concession on applicable annual locker rentals.
- Personal accident insurance of ₹5 lakh for each eligible Rishtey account holder, excluding minors, as stated in the annexure.
7. RuPay Debit Card Benefits
Annexure III lists additional benefits associated with RuPay debit cards under the State Government Salary Package. The benefits vary by card variant.
| Benefit listed | Details available in the supplied PDF |
|---|---|
| Health check-up | Once a year is shown for applicable variants. |
| MakeMyTrip | Discount and booking conditions are listed; the annexure refers to limits and periodic usage. |
| Amazon Prime | Subscription benefit is listed for certain card variants. |
| Gym membership | Membership benefits are listed for certain variants. |
| SPA | Once-a-year benefit is shown for applicable variants. |
| Airport lounge | The table lists different free-visit frequencies for different card variants. |
| Golf and cab aggregator | Once-a-year benefits are listed for applicable variants. |
| Swiggy One | Three-month membership is listed for selected variants. |
| BookMyShow | A ₹250 discount on a minimum purchase of two tickets, once per quarter, is listed for applicable variants. |
| Personal accident / permanent disability | The table lists different insurance limits by card variant. |
| Air accident insurance | Coverage limits vary by card variant. |
| Purchase protection | Coverage limits vary by card variant. |
8. Government Circular – Official Communication
- The circular is issued by the Government of Andhra Pradesh, Institutional Finance.
- It refers to the MoU with State Bank of India dated 20 March 2025.
- It communicates the SGSP package features for necessary information.
- The circulation list includes Secretariat departments, Heads of Departments, District Collectors, Drawing and Disbursing Officers, the Director of Treasuries and Accounts, and the Pay and Accounts Officer.
- The document bears the designation of the Secretary to Government (B&IF).
9. Download the Official Circular PDF
Read the original four-page circular and its annexures before making decisions about account eligibility, insurance coverage, premium payments or debit-card benefits.
10. Important Disclaimer
This post is an informational summary of the circular supplied for publication. It is not a substitute for the official Government of Andhra Pradesh circular, the SBI Memorandum of Understanding, current bank charges, or insurance policy documents. Benefits are subject to the applicable eligibility rules, variant, policy wording, exclusions and terms and conditions. Please verify details with SBI and consult the original circular before relying on a particular benefit.
Document details:
Memo No.: 2745769
Date: 03-07-2025
Department: Institutional Finance, Government of Andhra Pradesh
Subject: State Government Salary Package (SGSP) – State Bank of India
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