ATMs part of Dhanlaxmi Bank's nationwide network, whether co-located at branches sites or at off site locations, give clients a convenient, secure, easy and direct means to conduct their banking transactions.
Dhanam@ATM provides numerous services, including
- 24-hour cash withdrawals
- Balance enquiries and mini statements
- Transfer money between accounts
- PIN change
ATM Terms & Conditions
- Cash Withdrawals and Fast Cash:
You can withdraw cash from any ATM subject to the available balance in your account or the available overdraft limit sanctioned. ATM cash withdrawals are subject to fixed drawing limits and / or fixed number of transactions per day.
- Balance Enquiry:
You can check your account balances on the ATM. account.
- Mini Statement:
Requisition for a statement with a limited (latest) number of transactions of the ATM account when online.
- Fund Transfer:
If you have previously selected the funds transfer option for your account, you can transfer funds between your primary account to and your secondary account, subject to the available balance.
- Deposit of cash or cheques:
At select ATMs of Dhanlaxmi Bank, you can deposit cash or cheques into your primary bank account.
The Bank reserves the right to withdraw any or all of these facilities listed above without prior notice and without assigning any reason thereof. It also reserves the right to add any facility that it decides to provide from time to time.
To locate our nearest ATM please click here
For over eight decades, Dhanlaxmi Bank has welcomed customers, serving them with the best products the banking industry has to offer. Online Internet banking service is a convenient, fast and secure way of banking. With the help of Internet Banking, you can easily meet all your banking needs - right from balance enquiries to funds transfers and other financial services with just a few clicks!
View Internet Banking Demo
Account Information
- Check your account balance
- Details of your Accounts
- See your mini statement or detailed statement
- Download your statement in PDF or Excel sheet
- Details of Unclear Funds
Term Deposits
- Request for a new Term deposit
- Request for a new Term deposit under existing Term Deposit
- Inquire about your Term details
- Inquire about your TDS details
Loans
- See your loan statement
- Inquire about your loan details
Funds Transfer
- Transfer funds between your accounts
- Transfer funds to a third party within Bank
- Transfer funds to a third party to another Bank
- Other bank’s Credit Card payment via NEFT. Please click here to know more
Bill Payment/Instapay
- Utility Bill Payments
- Insurance Payments
- Subscriptions
Online Shopping/Payment Gateway
- Air Ticket Booking
- Rail Ticket Booking
- Movie Ticket Booking
- Credit Card Bill Payment
- EMI Payment
Standing Instructions
- Create standing instructions
- Modify standing instructions
- View standing instructions
- Delete standing instructions
Online Request
- Stop a cheque
- Change Login and Transaction Password
Online Enquiries
- Inquire about cheque status
For over eight decades, Dhanlaxmi Bank has welcomed customers, serving them with the best products the banking industry has to offer. Online Internet banking service is a convenient, fast and secure way of banking. With the help of Internet Banking, you can easily meet all your banking needs - right from balance enquiries to funds transfers and other financial services with just a few clicks!
Account Information
- View Account Balance
- View Detailed Statement
- View mini Statement
- View Account Details
- Download account statement in PDF,CSV,Excel file format
Funds Transfer
- Transfer funds between your own accounts
- Transfer funds to a third party within Bank
- Transfer funds to a third party to another Bank(RTGS/NEFT)
Salary Upload
- Screen Upload
- File Upload
Bulk Upload
Online Request
- Change Login and Transaction Password
- Change Image
Cheque Related Requests
- Cheque Status Inquiry
- Cheque Book Request
- Stop Cheque Request
Trade Finance
Trade Finance module allows you to create, view, edit and print LC application, LC amendment application, BG application and BG amendment application. It also allows you to track the various outstanding TF documents and download the TF document statement in excel format.
My Mail
Please click here to view FAQs
Dhanlaxmi Bank welcomes you to the world of mobile banking. Dhanlaxmi Bank Mobile Banking enables you to access your Dhanlaxmi Bank accounts on your mobile phone. With Mobile Banking, you can conduct financial and non financial transactions securely. From making fund transfers to checking your account information, Mobile Banking allows you to bank from anywhere at any time.
Features:
The following features are enabled on Dhanlaxmi Bank Mobile Banking:
- View account balance (Savings, Current, Deposits and Loans)
- Mini statement - Last five transactions
- Funds transfer
- Own account fund transfer
- Third party funds transfer within Dhanlaxmi Bank
- Third party funds transfer to other bank account
- Requests:
- Cheque book requests
- Stop cheque requests
- Cheque status inquiry
The Mobile Banking facility is currently available only to Retail Banking customers having Savings Account (Individual) or/and Current Account (Individual) and ATM/Debit Card.
The following retail customers (Individual) with below mode of operations can use the Mobile Banking facility.
- Single (Sole owner)
- Joint (Either or Survivor)
- Joint (Anyone or Survivor)
This facility is not available for the following customers:
- Non-ATM/Debit Card holders (Individual Customers)
- Non-Individual Customers
- Minor Account Holders
- JAO (Joint And Others) and JAF (Joint And First) joint account type holders
- Other than First Account Holders
Fund Transfer transaction is allowed only in INR currency. Cross Currency transactions are not allowed.
Registration, Application Download and Login:
Registration Process:
- The customer needs to submit the physical application form at any Dhanlaxmi Bank branch to avail the mobile banking service. This facility shall be enabled for the registered mobile number only.
- User ID (Cusomer ID) along with Mobile Banking application download link will be sent to the customer via SMS after the mobile banking registration is complete.
- Customer needs to click on “First time user” link to activate mobile banking.
- Customer has to provide his User ID, Card type, ATM/Debit Card (last 6 digits), ATM PIN and mobile number (with country code) for activation of the Mobile Baking service and generate MPIN. One Time Passwod (OTP - Flash) is being used as additional authentication during MPIN generation.
Login and Transaction:
- Customer can login to the application through mobile browser via URL: http://m.dhanbank.com OR Java Application *
- The Customer will be able to login with User ID and MPIN (Mobile Baking PIN)
- The Customer will be able to view account information after login into the application.
- OTP will be sent to registered mobile number as an additional authentication for each financial transaction, Payee Addition and other critical transactions.
* Download the application:
- The customer can send a SMS ‘DLBMOBILE’ to 5676751 to download the application. In response, a URL will be sent to the customer’s mobile inbox as SMS. Customer can click on the same and download the application. GPRS is required for this facility.
- Alternatively the customer can click here to download the application on their Laptop/PC and transfer the same to his/her mobile via Data Cable, Bluetooth or Infrared option from their Laptop/PC.
The Mobile Banking application will work on both GSM and CDMA networks. The Mobile Banking application works in GPRS modes as of now. The application shall have enhanced security features; a few of them are given below:
- Secured login in the application using MPIN (Mobile Banking PIN) along with the Customer ID.
- 2nd factor of authentication (One Time Password in form of Flash SMS)
Technology:
The following technology is used for banking via mobile
- Java based mobile banking application (J2ME) for GSM (GPRS is required)
- Browser based mobile banking for GSM and CDMA (GPRS is required)
Other Mobile Banking Related Request:
- Mobile Number change can be requested through physical form by visiting the nearest Dhanlaxmi Bank branch.
- Customer can contact the call centre or write to customer care through registered email id or visit the nearest Dhanlaxmi Bank branch for Blocking / De-Activating the mobile service.
- Re-Activation can be done by entering the Cust ID, Card Type, Last 6 digits of Mobile Number, ATM PIN and Mobile Number in Re-Activation (Forgot MPIN) option in the application.
- Un-Blocking will be done via request from the customer from his/her registered email id or physical form submission at the branch. Then the customer needs to use Re-Activation (Forgot MPIN) option of the application to re-activate his mobile banking access.
- De-Registration will be done based on physical application form submitted at the Branch.
- Linking or De-linking of accounts can be requested via physical form by visiting the nearest branch.
Important Links:
Managing your finances has never been this easier before. Introducing Dhanlaxmi Bank 24 x 7 Phone Banking services, which is, convenient, secure and offers various banking services. Enjoy the convenience of modern day banking by using your phone to access a comprehensive suite of financial services, wherever you are, whenever you like. No more queues.
No registration required
Obtain account information
- Balances of CASA, fixed deposit and loan accounts
- Previous transaction details
- Obtain fixed deposit interest rates
- Enquire on your existing fixed deposit account
- Track issued cheques
- Information on various accounts and services
You can also
- Get assistance on online banking and mobile banking.
- Report loss of card
- Resolve debit card & credit card issues
- Register complaints
- Get assistance on NEFT & RTGS
Not a customer? you can still
- Enquire about fixed deposit interest rates
- Get directions on branches or ATM locations. Get general account information, etc.
- Talk to our dedicated Customer Service Representatives
Secure and confidential
We value & assure the privacy of your account. Your call may be recorded for training and quality purposes, customer identification is mandatory to retrieve information from your account.
Dhanlaxmi Bank Ltd. provides you with two mobile banking services, DHANAM SMS @MOBILE and DHANAM ALERT@MOBILE, by which you can access or receive banking information instantly. As a Dhanlaxmi Bank customer you will have to mention which service you wish to apply for in the application form when registering for mobile banking services, along with your mobile number and any other details that are required.
You can receive the help menu by sending an SMS or directly activate the service.
Dhanam SMS@MOBILE – mobile banking SMS pull services
Activation
You can activate the Dhanam SMS@mobile service from your personal mobile phone. (It should be the same mobile phone number that is given when you submit the application for registration). You are required to remember your customer ID as you will need this when sending any SMS for any enquiry. Once your Mobile Banking SMS Pull Service is activated, you can ask for any of the following listed below by sending a message to 56161 with the code specific to the enquiry and your customer ID stated in the message.
- Account Balance Enquiry
- Last 5 Transaction Details
- Fixed Deposit A/c Details Request
- Transaction Statement Request
- Change Primary Account
- Cheque Book Request
- Cheque Status Request
- Stop Cheque Request
To request for the help menu:
Type DLBHLP in a new message.Send this to 56161. You will receive the following message:
- To activate SMS DLBREG CID(Customer ID)
- For Balance SMS DLBBAL CID(Customer ID)
- For Last 5 transactions SMS DLBTXN CID(Customer ID)
- For Transaction Statement Request DLBSMR CID(Customer ID)
- To Change Default Account DLBCPA CID(Customer ID) ACCOUNTNO
- For Cheque Book Request DLBCBR CID(Customer ID)
- For Cheque Status Request DLBCSR CID(Customer ID) CHQNO
- For Stop Cheque Request DLBSCR CID(Customer ID) CHQNO
- For Help Menu DLBHLP
To activate the mobile banking SMS Pull Service:
- Type DLBREG followed by your Customer Id (Eg: DLBREG 012345) in a new message (You should contact your branch to get your Customer Id)
- Send the message to 56161
- You will receive an acknowledgement when the activation is successful.
To Access account information:
1. BALANCE ENQUIRY
- Type DLBBAL followed by your Customer ID in a new message (Eg. DLBBAL 012345)
- Send to 56161
- You will receive a message stating your current account balance.
2. MINI TRANSACTION DETAILS
- Type DLBTXN followed by your Customer ID in a new message (Eg. DLBTXN 012345)
- Send to 56161
- You will receive a message stating your last 5 Credit / Debit Transaction.
3. FIXED DEPOSIT A/C DETAILS REQUEST
- Type DLBFDR followed by your Customer ID in a new message (Eg. DLBFDR 012345)
- Send to 56161
- You will receive a message stating your Fixed Deposit Account details.
4. TRANSACTION STATEMENT REQUEST
- Type DLBSMR followed by your Customer ID in a new message (Eg. DLBSMR 012345)
- Send to 56161
- You will receive a message stating “Your request has been submitted and you will receive a Transaction Statement within Seven Days.”
5. TO CHANGE YOUR DEFAULT / PRIMARY ACCOUNT FOR MOBILE BANKING
- Type DLBCPA followed by your Customer ID and your Account No. (Eg. DLBCPA 012345 0001001000000001). Enter the a/c. no to be changed to the Primary a/c.
- Send to 56161
- You will receive a message: “Your account has been successfully changed.”
6. SEND REQUEST FOR CHEQUE BOOK
- Type DLBCBR followed by your Customer Id and your Account No. (Eg. DLBCBR 012345 0001001000000001). Enter the a/c. no for which the Chq. Book to be issued.
- Send to 56161
- You will receive a message stating “Your request has been submitted and you will receive a Cheque Book within Seven Days.”
7. SEND REQUEST FOR CHEQUE STATUS
- Type DLBCSR followed by your Customer Id and your Cheque No. (Eg. DLBCSR 012345 000000011111)
- Send to 56161
- You will receive a message stating your cheque status (paid or unpaid )
8. SEND REQUEST FOR STOP CHEQUE
- Type DLBSCR followed by your Customer Id and Cheque No. (Eg. DLBSCR 012345 000000011111)
- Send to 56161
- You will receive a message stating “Your stop cheque request has been executed.”
Dhanam ALERT@MOBILE - mobile banking alert services
Credit alert
- Credit transaction details will be sent to your mobile phone whenever any credit transaction has been made you.
- Additional parameters can be set for credit alerts, if any credits more than the mentioned amount are made. (the minimum transaction value for which alerts will be received is fixed at Rs.2,000).
The message format is as follows:
For example, if an amount of Rs. 25,000 has been credited to your account on 14 September 2007 the SMS you receive will read as -. Dhanlaxmi bank- inr 25000.00 has been credited to your a/c 0001001000000001 on 14-sep-07 with the narration "payout from: 0001001000000002”. Available balance inr xxxxx.xx.
Debit alert
- Debit transaction details will be sent to your mobile phone whenever any debit transaction has been made by you.
- Additional parameters can be set for debit alerts, if any debits more than the mentioned amount are made (the minimum transaction value of alerts is fixed at Rs.2,000).
- The message format is as follows:
For example, if an amount of Rs. 2,000 has been debited to your account on 14 September 2007 the SMS you receive will read as - Dhanlaxmi bank- inr 2000.00 has been debited to your a/c 0001001000000001 on 14-sep-07 with the narration "amt trf jose / tsr". Available balance inr xxxxx.xx.
SMS alerts for transactions made will be sent at intervals of 15 minutes and each alert will mention the available balance in the account. If multiple transactions have been made from the account within the 15 minute interval then the SMS alerts for all transactions will be received at the end of the 15 minute interval. However, the balance amount in the account, mentioned in all the SMS alerts, will be as at the end of the 15 minute interval.
For example: if a transaction is made at 3 pm, then the alert for that transaction stating the available balance will be received at 3.15 pm. Even if multiple transactions have been made between 3 pm and 3:15pm, the alerts for each transaction will be received at 3.15 pm stating the available balance as at 3.15 pm for each SMS.
Related Links
Dhanlaxmi Bank International Visa Debit Card provides you access to your deposits on a 24x7 basis. You can now use your Debit Card at Merchant Establishments to shop for your groceries, dining, travel and much more. But that’s not all! Your Debit Card also doubles up as an ATM card, which you can use at any Visa ATM across India and overseas! Keep watching this space as we work towards adding features & benefits to your debit card which suit your lifestyle and makes your banking transactions completely hassle free and convenient.
Benefits & Features
- Internationally Valid for Cash Withdrawal & Purchases:
You will now have online access to your account at over 300 Dhanlaxmi Bank ATMs and at about 50,000 VISA ATMs in India. You can also access your account at over a million Visa ATMs across the world. Your Dhanlaxmi Bank Debit Card can also be used at our partner network ATMs, viz. Cashnet, NFS and Cashtree. Look out for the following signs at the ATMs where you can use your Debit Card for Cash withdrawal or Balance Inquiry
- Zero Fuel Surcharge
Your Dhanlaxmi Bank Debit Card is free of fuel surcharge of 2.5%! So you can fill fuel without having to worry about any additional surcharge being levied on your petrol transactions. Now, that’s one more reason to have a tank full of fuel.
- Enhanced limits of withdrawals
Based on the deposit product you choose, the Bank provides you with a withdrawal limit of up to Rs 100,000/- per day at ATMs and for purchase transactions respectively. When travelling overseas, the applicable withdrawal limit is converted in to the respective foreign exchange equivalent.
-
Convenient option for your purchases:
Shop at more than 425,000 outlets in India and 13 million+ establishments worldwide supported by Visa. The amount gets debited directly to your account in Rupees, irrespective of the currency you spend in, if you are overseas.
-
Insurance
Your Debit Card comes with protection against burglary, dacoity, etc. for cash withdrawn through any ATM. There is a *ZERO liability cover for fraudulent cash withdrawals/POS (Point Of Sale) ensuing a lost or stolen card. *conditions apply
- Validity
Your Dhanlaxmi Bank Debit card comes with an extended validity of 5 years from the time it is issued.
Our Helplines
- In case you have any queries related to your Debit Card or you need to report the loss or theft of your Debit Card, you may call on the Customer Service number on : 080-67213000, 1800-425-1747 or send an email to customercare@dhanbank.co.in
- Note:
Although loss or theft may be reported by means of the call to the Customer Care, you must confirm the same in writing to the Bank branch as soon as possible.
a) Provided you have in all respects complied with the terms and conditions, a replacement Debit Card may be issued at the sole discretion of the Dhanlaxmi Bank at the applicable fee.
b) Should you subsequently recover the Debit Card, it cannot be used. Please destroy the Debit Card by cutting it into several pieces through the magnetic strip.
Eligibility
- Individual account holders and sole proprietorship concerns are eligible for this facility.
NRI: Holders of NRE savings and current accounts are also eligible for the Debit Card. A minor, or an account in which a minor is a joint account holder (joint operation), is not eligible for a Debit Card. Joint Accounts with joint operations are not eligible for a ATM/Debit Card since operations are
Restricted to account holders with joint signatures. Debit Card will not be issued to other entities including partnership firms, companies, trusts, societies etc.
How to apply for the Debit Card
- New Customers
If you do not have a banking relationship with Dhanlaxmi Bank, you will need to open a savings account with Dhanlaxmi Bank. Please visit our nearest branch to apply for savings account.
- Existing Customers
If you already have an Dhanlaxmi Bank Account, download the Visa International Debit Card Application Form from the website.
Dos & Don'ts with your Debit Card
The Dos:
- Sign on the signature panel on your Debit card immediately upon receipt of your Card.
- Protect the magnetic strip on the reverse of the card from exposure to direct sunlight, magnets, and scratches, as it contains important information about your card.
- Keep a photocopy of the front & back of your card and quote your Debit card number to the Bank in all your communications.
- Keep your ATM PIN a secret to prevent any misuse of your Debit Card.
- In case your card is stolen/ misplaced, call Dhanlaxmi Bank Customer Service number provided at the back of the card, to inform us about the same.
- Keep your charge slips safe, to tally them against your Billing Statement
- In case you need your Debit Card to be re-issued or terminated, please send in your request in writing to the Dhanlaxmi Bank branch where you have your account.
- Upon Debit Card expiry or closure of your account, please cut your Debit Card into several pieces through the magnetic strip to prevent any misuse.
- If your Debit Card is lost/stolen, or if you suspect that your Debit Card has been used fraudulently, call the Customer Service Number at 1800-425-1747, immediately to report the loss of your card.
The Don’ts:
- Never keep a copy of your PIN in your wallet and never write your PIN number on your Debit Card.
- Do not leave your Debit card unattended. The card can be misused easily.
- It should never be surrendered to anyone other than a designated Bank Officer at a Dhanlaxmi Bank branch and that too only after cutting it into several pieces through the magnetic strip
- Never reveal or surrender your personal identification number (PIN) to anyone. Please destroy all evidence of the PIN after memorizing it.
- Always ensure that the Debit card is used in your presence when transacting at merchant establishments. Never sign an incomplete sales slip
- Do not attempt to use your Debit card at merchant establishments that do not possess VISA Electron Point-of Sale swipe terminals
- Do not attempt to use your Debit card for making purchases via Telephone/mail or in any other 'card not present' situation.
Do not attempt to use your Debit card for Internet transactions at it is not supported presently.
Frequently Asked Questions (FAQs)
Please click here for the Debit Cards Offers
Please click here for the Debit Cards Terms & Conditions
Money Transfers can be facilitated through Real Time Gross Settlement (RTGS) or National Electronic Fund Transfer (NEFT) anywhere in India, in any bank and any bank branch provided the branch has an Indian Financial System Code and is enabled for the RTGS/NEFT.
Customer Facilitation Centre (CFC) for NEFT and RTGS customer transactions
Contact Details
NEFT/ RTGS Cell
Dhanlaxmi Bank,
DLB Bhavan, Punkunnam,
Thrissur 680 002.
Phone: 0487 - 6454227 / 6454226
email: rtgs@dhanbank.co.in / neft@dhanbank.co.in
Please note : Click here for the directory of the Customer Facilitation Centres(CFC) of member banks for redressal of your RTGS/NEFT related complaints.
Real Time Gross Settlement (RTGS)
Real Time Gross Transfer is used for customer transactions for Rs. 2 laks and above anywhere within India. It is a very secure transfer service and the settlement of the transaction is done immediately when the transaction has been executed.
- RTGS is an electronic payment system, which provides online settlement of payments between financial institutions. Payment instructions between banks are processed and settled individually and continuously throughout the day [RTGS Window]. Dhanlaxmi Bank customers can make payments to the beneficiary’s a/c in another bank and vice-a-versa.
- Payee banks and their customers receive funds at any time immediately when the transaction has been executed so they are not exposed to any risk. It is a highly secured system using PKI and includes signing and encryption.
- All Dhanlaxmi Bank branches are RTGS enabled. Our customers can avail of RTGS services to transfer funds to accounts of other banks, provided those bank branches are also RTGS enabled.
Fund Transfer Amount
The minimum amount for RTGS transactions is Rs. 2 Lakh.
Charges
RTGS Payments:
- For transaction between Rs 2 lakhs and Rs 5 lakhs - Rs.25 per transaction plus service tax
- For transactions above Rs 5 lakhs - Rs.50 per transaction plus service tax
RTGS Receipts:
Nil
RBI Timings for RTGS - Customer Transactions
Weekdays (Monday - Friday):
9.00 a.m. to 4.30 p.m.
Saturday:
9.00 a.m. to 1.30 p.m.
Timings for acceptance of customer requests for processing RTGS / NEFT transactions may vary depending on the branch timings. Please get in touch with the branch for the timings. These are also displayed at the respective branches
Contact:
For RTGS complaints : rtgs@dhanbank.co.in
Call : 080-67213000, 1800-425-1747
National Electronic Funds Transfer (NEFT)
The National Electronic Funds Transfer (NEFT) system is an electronic funds transfer system introduced by Reserve Bank of India to help banks transfer funds electronically from one customer account of a NEFT participant bank branch to another customer account of any other NEFT participant bank branch in India.
- The NEFT there are 11 hourly batches through with the transactions messages are transmitted and settled between banks. The First NEFT Batch time is at 9 AM and last at 7 pm for week days and 1 pm for Saturdays.
- Dhanlaxmi Bank has started live NEFT operations with all CBS branches that can perform NEFT operations. The customers of all Dhanlaxmi Bank branches can avail of NEFT services to transfer funds to accounts of other banks; provided those bank branches are also NEFT enabled.
- NEFT is available for walk-in customers up to Rs.50,000.
Fund Transfer Amount
- There is no restriction for amount.
Charges
NEFT Payments:
Up to Rs 1 lakh - Rs 5 per transaction plus service tax
Above Rs. 1 lakh and upto Rs. 2 Lakhs - Rs 15/- per transaction plus service tax
Above 2 Lakhs: Rs. 25/- per transaction. plus service tax
NEFT Receipts :
Nil
RBI Timings for NEFT
Weekdays (Monday - Friday):
First batch at 9.00 a.m. and last batch at 7.00 p.m.
Saturday:
First batch at 9.00 a.m. and last batch at 1.00 p.m.
Timings for acceptance of customer requests for processing RTGS / NEFT transactions may vary depending on the branch timings. Please get in touch with the branch for the timings. These are also displayed at the respective branches
Bank customers who intend to be the remitters of funds for credit of beneficiary accounts of any other bank shall have to provide the details as mentioned below:
- Name of the beneficiary bank
- Name of the branch* designated for fund transfer under RTGS/NEFT
- The IFSC of the beneficiary bank’s branch
- The type of account of the beneficiary
- The account number of beneficiary
- The name of the beneficiary
The remitter (customer) shall furnish the above details in the ‘ Prescribed Form’ duly signed to avoid repudiation later. The application shall be submitted along with his/her cheque/debit instruction for the amount to be transferred, plus the bank commission. The remitter shall be responsible for the accuracy of the particulars given in the Form.
.
*The bank branches for fund transfer shall be designated and listed in the RBI site, provided with the IFSC Code..
Contact:
- For NEFT complaints : neft@dhanbank.co.in
- Call : 080-67213000, 1800-425-1747
* All Applications with regard to "ELECTRONIC FUND TRANSFER" (RTGS/NEFT) should be registered well before the stipulated time so as to enable the branches to complete the transactions in time.
