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 REVISED SCHEDULE OF CHARGES FOR CURRENT ACCOUNT W.E.F MARCH 1, 2010

FEATURES Special Current Account for Co-operative Society
ACCOUNT RELATED CHARGES
1. Balance required to maintain (AMB) Rs.5,00,000 Monthly
  Creteria Average monthly balance
  Account maintenance charges Nil
2. Penal charges(AMB Non Maintainance) AMB<50% - Rs.3000/- per Month AMB>=50% but <100% - Rs.1500/-per month
3. Account closure charges

Upto 14 days : Nil,
15 days to 6 months : Rs.100,
After 6 months : Nil

FEES
4. NEFT-From Branch Free
5. NEFT-Internet Banking Charges applicable
6. RTGS-From Branch Free
7. RTGS-Internet Banking Charges applicable
8. Personalized PAP cheque book

4 cheque book (200 leaves) free per month, Rs.2 per leaf thereafter

ANYBRANCH BANKING
9. Cash Deposit at Non Base Branch FREE cash deposit up to Rs.2 lakh per day
Third party deposits is allowed upto Rs.50,000 / branch / day along with TP form. No TP form required for single transaction < 25000 / day (IT directive on PAN to be followed). For cases where cash deposit is allowed above threshold (at branch discretion), charges @ Rs.1 per 1000, minimum Rs.50 per transaction will be levied.
10. Cash Withdrawal at Non Base Branch FREE withdrawal upto Rs. 5lakh / day
Third Party withdrawal allowed upto Rs.50,000 per transaction only. For cases where cash withdrawal is allowed above threshold (at branch discretion), charges @ Rs.1 per 1000, Minimum Rs.50per transaction will be levied.Customer has to inform the branch 1day in advance if amount more than 2 lakh.
11. Cash deposit at home branch per month Free upto Rs. 100 lakh per month beyond that Rs.0.25/1000 (minimum - Rs.50per transaction)
12. Anywhere banking funds transfer Free
DEMAND DRAFT / PAY ORDER
13. Charges for DD & PO at bank locations Free
14. Charges of correspondence banks DD

Free

15. PO Charges
Free
DDs & POs can be made for amount less than Rs.10 lakh (amount of free DD should be less than Rs.10 lakh / 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 cheque & Rs 150 for outstation cheque
20. ECS returns Rs.100
OUTSTATION CHEQUE COLLECTION
21. Outstation cheque collection at bank locations Free
22. Outstation cheque collection at non bank locations Free
DEBIT CARD RELATED CHARGES
23. Debit card annual fees NA
24.. Limit of debit card NA
25. Limit for POS NA
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 Free
31. SMS Banking Domestic 50 Paisa Per SMS and maximum is Rs 250 Per Quarter.
32. Internet Banking Free
33. Phone Banking Free
STATEMENT OF ACCOUNT
34. E-mail monthly Daily free
35. Monthly / Quarterly Free monthly
OTHER SERVICES
36. Stop payment Free 3 instructions per month beyond that, Rs 50 per cheque leaf, Rs 100 for series
37. Enquires related to old record Rs.75 per request
38. Standing Instruction set up / Amendment Free
39. Duplicate passbook / Statament charges Rs. 50 per instance
40. Photo attestation Rs. 50 per instance
41. Signature attestation
42. Address attestation
43. No dues certificate
44. Balance confirmation charges
45. Telephone / Fax charges On actuals, minimum Rs.25
Door Step Banking
46. Cash pickup / Delivery 1 transaction free per day (from 25,000 to 3 lakh) beyond that
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
47. Cheque pickup / Delivery 1 pick up/delivery free per day beyond that Rs. 50 per pick up or delivery
Door step banking facility is available only at select 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.
48. Special features If you opt for Sweep facility; all amounts above Rs. 75,00,000 will be converted into FD in multiple of Rs.500,000 on every saturday (EOD) for a period of 91 days, as & when the balance in the account goes below Rs. 75,00,000 reverse sweep in the multiples of Rs.1,000 will be triggered on the basis of lowest interest rate sweep-in first
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 the Minimum Average Monthly Balance of the account
3. Minimum Average Balance Charge on an account type shall not be applicable for the Account Opening Month
4. Monthly/Annual cycle charges as applicable on the account type can be recovered anytime during the month
5. 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
6. 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)
7. For the purpose of Cash Deposit Charges, we will be considering all Branches in the Branch Location/City as the Base Branch. For the list of branches in your location please refer our website (www.dhanbank.com) or visit your nearest Branch.