FEATURES Special Savings account for Educational Institutions
1. Balance required to maintain (AMB) Rs.1,00,000 monthly
  Criteria Average Monthly Balance
2. Account maintainence charges Nil
3. Penal Charges (AMB Non Maintainance) Based on shortfall in actual AMB from stipulated AMB as mentioned in "Revised Service Charges with effect from 01 st January,2018".
4. Account closure charges

Upto 14 days : Nil,
15 days to 6 months : Rs.500,
After 6 months : Nil

5. NEFT-From Branch


6. NEFT-Internet Banking Charges applicable
7. RTGS-From Branch Free
8. RTGS-Internet Banking Charges applicable
9. PAP cheque book 5 cheque book (100 leaves) free per quarter,
Rs.3.50 per leaf thereafter
10. 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 < 25,000 / 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 Free withdrawal upto Rs.2 lakh per day
Third Party withdrawal allowed upto Rs.50,000/transaction only. For cases where cash withdrawal is allowed above threshold (at branch discretion), charges @ Rs.1 per 1000, Minimum Rs.50 per transaction will be levied. Customer has to inform the branch 1day in advance if amount more than 2 lakh
12. Cash deposit at home branch Free upto Rs. 20 lakh/month,Beyond that Rs.025/1000
13. Anywhere banking funds transfer Free
14. Charges for DD & PO at bank locations

Free 30 DDs & 30 POs per day,
Upto Rs.10k - Rs.40,
>Rs.10k & upto Rs.50k - Rs.125;
>50 k & upto Rs.1 lakh - Rs.250;
>Rs.1 lakh to less than Rs.10 lakhs Rs.2.50 per 1000, (min.Rs.250 and max.Rs.7500)

15. Charges of correspondence banks DD

30 DDs free per month
Upto Rs.10k - Rs.30;
>Rs.10k & upto Rs.1 lakh - Rs.2.50/1000
>Rs.1 lakh to less than Rs.10 lakhs Rs.2.00/1000
(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) Rs.300 per cheque
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 Rs.400
21. Outstation cheque collection charges

Free collection of 10 outstation cheque per month,Beyond that Rs.25 per instrument

22. Debit card annual fees NA
23. Limit of debit card NA
24. Limit for POS NA
25. Hot listing charges & reissue charges No charges for hot listing. Rs.100 levied for reissue
26. ATM interchange (National / International) Free
27. ATM pin generation charges Free
28. Charges for per add-on card NA
29. Mobile Banking Free
30. SMS Banking Free
31. Internet Banking Free
32. Phone Banking Free
33. Reissue of internet user ID & password Free
34. E-mail monthly Free
35. Monthly / Quarterly Free Monthly
36. Stop payment Free 5 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. ECS charges Free
39. Photo attestation Rs.100 per instance
40. Signature attestation
41. Address attestation
42. No dues certificate
43. Balance confirmation charges
44. Telephone / Fax charges On actuals, minimum Rs.25
45. Standing Instruction set up / Amendment Free
46. Duplicate passbook / Statament charges Rs. 50 per instance
Door Step Banking
47. Cash pickup / Delivery
10 Transaction free per month (from 25k to 3 Lakhs) beyond that Rs.25,000 -Rs.1,00,000   Rs.500  Per pickup/Delivery; Rs.1,00,000 - Rs.3,00,000 Rs. 750 Per pickup/Delivery; Rs.3,00,000 - Rs.5,00,000 Rs. 1000 Per pickup/Delivery; Rs.5,00,000 -Rs.10,00,000 Rs. 1500 Per pickup/Delivery
48. Cheque pickup / Delivery 1 pick up/delivery free per day beyond that, Rs. 100/ 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.
49. Special features If you opt for Sweep facility; all amounts above Rs. 500,000/- will be converted into FD in multiple of Rs.100,000/- on every saturday(EOD) for a period of 91 days, As & when the balance in the account goes below Rs. 500,000/-, 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. 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.