FEATURES Dhanam Genius Savings Account
1. Balance required to maintain (AMB) Rs.500 monthly
2. AMB non maintainance Based on shortfall in actual AMB from stipulated AMB as mentioned in "Revised service charges with effect from January 1st, 2018"
3. Account closure charges

Before 6 months: Rs.500

After 6 months: Nil

4. NEFT-From Branch Free 2 NEFT from branch per month, beyond that
upto Rs.10k - Rs.2.95,
Rs.10k to Rs.1 lakh - Rs.5.90
Rs.1 lakh to Rs.2 lakh - Rs.17.70
and above Rs.2 lakh - Rs.29.50 per transaction
5. NEFT-Internet Banking Free
6. RTGS-From Branch 2 RTGS free from branch per month,beyond that
upto Rs.2 lakh free,
above Rs2 lakh to Rs.5 lakh - Rs.29.50 per transaction,
Rs.5 lakh and above Rs.59 per transaction
7. RTGS-Internet Banking Free
8. Credit Card Not Applicable
9. PAP cheque book No Cheque book facility
10. Cash Deposit at Non Base Branch Allowed cash deposit up to Rs.50,000 day (along with third party form)
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. 25000per 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.
11. Cash Withdrawal at Non Base Branch Not allowed
Maximum credit transaction in the account is limited to Rs. 8 lacs per year.On reaching the threshold level system should freeze the account for further transaction. An automatic alert generation to the account holder before attaining the threshold limit should be done.
12. Cash deposit at home branch Free
13. Anywhere banking funds transfer Free
14. Charges for DD & PO at bank locations

Free 2 DD & 2 PO per month,
beyond that upto Rs.10k Rs.40,
above Rs.10k - upto Rs.50k Rs.125,
above 50k - upto Rs.1 lakh Rs.250,
from Rs.1 lakh to less than Rs.10 lakh Rs.2.50 per 1000
(min.Rs.250 and max.Rs.7500)

15. Charges of correspondence banks DD

Upto Rs.10k - Rs.25,
above Rs.10k & upto Rs.1 lakh - Rs.2.50 per 1000
above Rs.1 lakh to less than Rs.10 lakh Rs.2.00 per 1000
(min.Rs.250 and max.Rs.7500)

DDs & POs can be made for amount less than Rs.10 lakh (amount of free DD should be less than Rs.10 lakh / DD)
16. Cancellation Rs.100 per instrument
17. Cancellation & issuance of duplicate Instrument Rs.200 per instrument
18. Cheque issued & returned (financial reasons) Not Applicable
No charges for cheque returned for technical reasons
19. Cheque deposited & return Rs.100 for local cheque & Rs 150 for outstation cheque
20. ECS returns Not Applicable
21. Outstation Cheque Collection Charges Upto Rs.50,000 - Rs.50 per instrument,
above Rs.50,000 & Upto Rs.1 lakh - Rs.100 per instrument,
above Rs.1 lakh - Rs.150 per instrument
22.. Type of Debit Card Classic Debit Card
23. Debit card issuance (registration) charges and Annual fees Free ATM- cum-Debit Card & without AMC
24. Limit of debit card Rs.5,000 per day
25. Limit for POS Rs.5,000 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 Not Applicable
31. SMS Alerts 60 paisa per SMS (maximum of Rs. 400 per quarter)
32. e-mail Alerts Free
33. Internet Banking Not Applicable
34. Phone Banking Not Applicable
35. Reissue of internet user ID & password Not Applicable
  1. SMS Alert charges applicable to all customers (irrespective of whether they have registered for SMS alerts or not) for the SMS sent for financial transactions only.
36. E-mail monthly Free
37. Monthly / Quarterly Free monthly
38. Stop payment Rs 60 per cheque leaf; Rs 100 for series
39. Enquires related to old record Rs.75 per request
40. Processing Charges for ECS Mandate Rs.100/-
41. Photo attestation Rs. 100 per instance
42. Signature attestation
43. Address attestation
44. No dues certificate
45. Balance confirmation charges
46. Telephone / Fax charges On actuals, minimum Rs.25
47. Standing Instruction set up / Amendment Free
48. Duplicate passbook / Statament charges Rs. 50 per instance
Door Step Banking
49. Sweep-in / Sweep-out facility

Balance in the account above Rs. 5,000 will be converted into FD (in multiples of Rs. 1000) on a fortnightly basis (from the subsequent fortnight onwards, on the same day of the fortnight when the account was opened) for a tenure of 30 days.

as and when the balance in the account goes below Rs. 5,000 reverse sweep in multiples of Rs.1,000 will be triggered on the basis of lowest interest rate first.

50. Cash pickup / Delivery Not Applicable
51. Cheque pickup / Delivery Not Applicable
Special features
52. Debit crad USP ATM Card with Personalized photo (one time charge of Rs. 200/- applicxable). For others, standard debit card without AMC and issuance charge.
53. Preference for Project work at Bank Preference for project work at Bank as part of Education, subject to availability of seats.
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. In respect of individuals in rural areas, pensioners and senior citizens, branches should charge 5% lower than the amount mentioned (round off to the nearest ruppee).
3. An initial payment for opening a new account should be made for at least them minimum average monthly balance of the account.
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.