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DFS Launches ‘Composite Salary Account Package’ for Central Government Employees
The Department of Financial Services (DFS) under the Ministry of Finance has launched the ‘Composite Salary Account Package’ for Central Government employees in coordination with all Public Sector Banks (PSBs). The package standardises banking benefits for Group A, B, and C employees (excluding Group D). It offers zero-balance salary accounts, free RTGS, NEFT and UPI facilities, and concessional interest rates on housing, education and vehicle loans with processing fee waivers.
The package also provides enhanced insurance coverage, including personal and disability cover up to ₹1.5 crore, air accident cover up to ₹2 crore, term life insurance up to ₹20 lakh, and health insurance for employees and their families. Additional features include premium debit card variants, reward programmes, and airport lounge access based on cadre. The initiative aligns with Viksit Bharat 2047 and the goal of ‘Insurance for All by 2047’.

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