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 REVISED SCHEDULE OF CHARGES W.E.F October 1, 2010

FEATURES SME & other Retail Credit Customers
ACCOUNT RELATED CHARGES
1. Balance required to maintain Nil
2. Criteria Nil
3. Account maintainence charges Nil
4. Penal Charges (AMB Non maintenance) Nil
5. Account closure charges Nil
FEES
6. NEFT

Upto Rs.10k - Rs.2.50 ,
Above Rs.10k to 1 Lakh - Rs. 5 ,
AboveRs.1 Lakh to 2 Lakhs - Rs. 15 ,
and above Rs. 2 Lakh - Rs.25 per transaction.

7. RTGS Upto Rs.2 lakh free,
above Rs.2 lakh to 5 lakh - Rs.25 per transaction,
Rs.5 lakh and above Rs.50 per transaction
8. Personalized PAP Cheque Book Rs.2 per cheque leaf
ANYBRANCH BANKING
9. Cash Deposit at Non Base Branch Cash Deposit limit upto Rs.50,000 per day @ Rs.100/transaction
Third party deposits is allowed upto Rs.50,000 / branch / day along with TP form. No TP form required for single transaction less than Rs. 25,000 per day (IT directive on PAN to be followed). For cases where cash deposit is allowed above threshold (at branch discretion) charges at Rs.1 per 1000, Minimum. Rs.50 per transaction will be levied.
10. Cash Withdrawal at Non Base Branch Cash Withdrawal limit upto Rs.50,000 per day @ Rs.100/transaction
Third Party withdrawal allowed upto Rs.50,000/transaction only. For cases where cash deposit is allowed above threshold (at branch discretion), charges @Rs.1 per 1000, Min. Rs.50 / txn will be levied. Customer has to inform the branch 1day in advance if amount >2lakhs
11. Cash deposit at home branch per month Free upto Rs. 15 lakh/month Beyond that Rs.0.25/1000 (min-Rs.50/transaction)
12. Anywhere banking funds transfer Unlimited Free
DEMAND DRAFT / PAY ORDER
13. Charges for DD at bank locations

Upto Rs.10,000 - Rs.30,
above Rs.10,000 & upto Rs.50,000 - Rs. 100,
above Rs.50,000 & upto Rs.1 lakh - Rs.200,
above Rs.1 lakh to less than Rs.10 lakhs - Rs.2/1000 (min.Rs.250 and max.Rs.5000)

14. Charges of correspondence banks DD

Upto Rs.10,000 - Rs.30,
above Rs.10,000 & upto Rs.50,000 - Rs. 100,
above Rs. 50,000 & upto Rs.1 lakh - Rs.200,
above Rs.1 lakh to less than Rs.10 lakhs - Rs.2/1000 (min.Rs.250 and max.Rs.7500)

15 Charges for PO at bank locations Upto Rs.10,000 - Rs.30,
above Rs.10,000 & upto Rs.50,000 - Rs. 100,
above 50,000 & upto Rs.1 lakh - Rs.200,
above Rs.1 lakh to less than Rs.10 lakhs - Rs.2/1000
(min.Rs.250 and max.Rs.5000)
  DDs & POs can be made for amount less than Rs.10 lakhs (amount of FREE DD should be less than 10lakhs per DD)
DEMAND DRAFT / PAY ORDER CANCELLATION / REVALIDATION AND DUPLICATE ISSUANCE
16. Cancellation Rs.50 per instrument
17. Cancellation & issuance of duplicate Instrument Rs.100 per instrument
CHEQUE ISSUED / DEPOSITED & RETURNED UNPAID
18. Cheque issued & returned (financial reasons) Rs.250 per cheque
  No charges for cheque returned for technical reasons
19. Cheque deposited & return Rs.50 for Local & Rs 150 for Outstation - per Cheque
20. ECS returns Rs.100
OUTSTATION CHEQUE COLLECTION
21. Outstation Cheque Collection at Bank Locations

Rs.50 per cheque

22. Outstation Cheque Collection at Non Bank locations Rs.50 per instrument (plus other bank charges)
DEBIT CARD RELATED CHARGES
23. Debit card annual fees Free
24. Limit of debit card Rs50,000 per day
25. Limit for POS Rs.50,000 per day
26. Hot listing charges & reissue charges No charges for hot listing. Rs.100 levied for reissue
27. ATM interchange (National / International) Free
28. ATM pin generation charges Free
29. Charges for per add on card Rs.100
30. Mobile Banking / SMS Banking Free
31. Internet Banking Free
32. Phone Banking Free
STATEMENT OF ACCOUNT
33. E-mail monthly Free
34. Monthly Free quarterly
OTHER SERVICES
35. Stop payment Rs 50 per cheque leaf, Rs 100 for series
36. Enquires related to old record Rs.75 per request
37. Photo attestation Rs. 50 per instance
38. Signature attestation
39. Address attestation
40. No dues certificate
41. Balance confirmation charges
42. Telephone / Fax charges On actuals, minimum Rs.25
43. Standing Instruction set up / Amendment Rs.50 / SI / Amendment
44. Duplicate passbook / Statament charges Rs.50 per instance
Door Step Banking
45. Cash pickup / Delivery Rs.25,000 -Rs.1,00,000   Rs.200  Per pickup/Delivery; Rs.1,00,000 - Rs.3,00,000 Rs. 300 Per pickup/Delivery; Rs.3,00,000 - Rs.5,00,000 Rs. 400 Per pickup/Delivery; Rs.5,00,000 -Rs.10,00,000 Rs. 650 Per pickup/Delivery
46. Cheque pickup / Delivery Rs. 50 per pick up or delivery
Door Step Banking facility is available only at salect branches - please contact your branch to opt for this facility. For enjoying Doorstep Banking, customer needs to sign the agreement. No FREE Door-Step Banking limit will be given to the customer not maintaining the Average Monthly Balance, they will be charged for all such transactions for that month; post-facto.
Common Guidelines
1. Average monthly balance (AMB) is the average daily balance maintained by the customer for a period of 30/31 days. It is the summation of daily closing balance for a period of a month - 30/31 days, as applicable divided by the number of days.
2. An initial payment for opening a new account should be made for at least them minimum average monthly balance of the account.
3. Monthly / Annual cycle charges as applicable on the account type can be recovered anytime during the month.
4. In case of insufficient funds in the account for recovery of service charges, Dhanlaxmi Bank reserves the right to force debit or make repeated attempt (s) to recover charges as applicable to the account type.
5. The charges mentioned in the schedules are exclusive of taxes i.e.service tax, education cess etc as applicable (except for NEFT,RTGS & OCC, where charges are inclusive of taxes).