FEATURES Dhanam +/++ Savings Account
1. Balance required to maintain (AMB) Rs.5,000 monthly
2. AMB non maintainance Based on shortfall in actual AMB from stipulated AMB as mentioned in "Revised Service Charges with effect from January 01st , 2018".
3. Account closure charges

Upto 14 days : Nil,
15 days to 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 & upto Rs.1 lakh - Rs.5.90
>Rs.1 lakh & upto Rs.2 lakhs - Rs.17.70
>Rs.2 lakhs - Rs.29.50 per transaction

5. NEFT-Internet Banking Charges applicable
6. RTGS-From Branch 2 RTGS free from branch per month, beyond that
upto Rs.2 lakh free,
above Rs.2 lakh to Rs.5 lakh - Rs.28.62 per transaction,
Rs.5 lakh and above Rs.57.25 per transaction
7. RTGS-Internet Banking Charges applicable
8. PAP cheque book 1 cheque book free per quarter of 20 leaves (Rs.3.50 per leaf)
9. 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.
10. Cash Withdrawal at Non Base Branch Allowed cash withdrawal up to Rs.50,000 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.50 per 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 Free
12. Anywhere banking funds transfer Free
13. Charges for DD & PO at bank locations

Free 1DD & 1PO 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)

14. 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)
15. Cancellation Rs.100 per instrument
16. Cancellation & issuance of duplicate Instrument Rs.200 per instrument
17. Cheque issued & returned (financial reasons) Rs.300/- Per Return
No charges for cheque returned for technical reasons
18. Cheque deposited & return Rs.100 for local cheque & Rs 150 for outstation cheque
19. ECS returns Rs.400 per instrument
20. 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

21. Type of Debit Card Classic Debit Card
22. Debit card issuance (registration) charges and Annual fees Debit Card Issuance (Registration) charges Rs.150/- and Annual charges of Rs.100/- with an exemption to customers who are maintaining average monthly balance of Rs.10,000/-
23. Limit of debit card Rs.20,000 per day
24. Limit for POS Rs.30,000 per day
25. Hot listing charges & reissue charges No charges for hot listing. Rs.200 levied for reissue
26. ATM interchange (National / International) Free
27. ATM pin generation charges Free
28. Charges for per add-on card Rs. 100
29. Mobile Banking Free
30. SMS Alerts Domestic -60 Paisa Per SMS and maximum is Rs.400 Per quarter
31. Internet Banking Free
32. Phone Banking Free
33. Reissue of internet user ID & password Free
  1. Issuance Charges are exempted for Renewal cards (Card issued following expiry)
34. E-mail monthly Free
35. Monthly / Quarterly Rs.10/- per satatement
36. Stop payment Rs 60 per cheque leaf, Rs 100 for series
37. Enquires related to old record Rs.75 per request
38. Processing Charges for ECS Mandate Rs.100/-
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
47. Sweep-in / Sweep-out facility Balance in the account above Rs. 5000 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 period of 46 days and 91 days for Dhanam + & Dhanam ++ respectively . 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.
Door Step Banking
48. Cash pickup / Delivery 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
49. Cheque pickup / Delivery Rs.100 per pick up or delivery
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.