FEATURES Salary Multiplier Savings Account
1. Balance required to maintain (AMB) Nil
2. Account maintainence charges Nil
3. Penal Charges (AMB Non Maintainance) Nil
4. Account closure charges


5. NEFT-From Branch

Free from netbanking
5 NEFT Free 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

6. NEFT-Internet Banking Charges applicable
7. RTGS-From Branch 5 RTGS Free from Branch per month, beyond that
Upto Rs.2 lakh free,
above Rs2-5 lakh - Rs.29.50 per transaction,
Rs.5 lakh and above Rs.59 per transaction
8. RTGS-Internet Banking Charges applicable
9. PAP cheque book 1 Cheque book (20 leaves) free per Quarter; Rs 3.50 per leaf thereafter
10. Cash Deposit at Non Base Branch Free cash deposit up to Rs.50,000 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.50,000 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
13. Anywhere banking funds transfer Free
14. Charges for DD & PO at bank locations

Free 2 DDs & 2 POs per month.Beyond Upto
upto Rs.10k - Rs.40;
Above Rs.10k & upto Rs.50k - Rs. 125;
Above 50 k & upto Rs.1 lakh - Rs.250;
Above Rs.1 lakh and upto Rs.10 lakhs Rs.2.50 per 1000
(min.Rs.250 and max.Rs.7500)

15. Charges of correspondence banks DD

2 DDs free per month Beyond that
Upto Rs.10k - Rs.30;
Above Rs.10k & upto Rs.1 lakh - Rs.2.50/1000
Above 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 2 outstation cheque per month beyond that upto Rs.50,000 - Rs.25per 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 Gold Debit Card
23. 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/-
24. Limit of debit card Rs.50,000 per day
25. Limit for POS Rs. 1,00,000 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 Free
31. SMS Alerts Domestic -60 Paisa Per SMS and maximum is Rs.400 Per quarter
32. Internet Banking Free
33. Phone Banking Free
34. Reissue of internet user ID & password Free
  1. Issuance Charges are exempted for Renewal cards (Card issued following expiry)
35. E-mail monthly Free
36. Monthly / Quarterly one statement free per month,there after,Rs 10/- per statement
37. Stop payment Rs.100 per cheque leaf, Rs 100 for series
38. Enquires related to old record Rs.75 per request
39. Processing Charges for ECS Mandate Rs 100/-
40. Photo attestation Rs.100 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
46. Standing Instruction set up / Amendment Rs. 50 / SI / Amendment
47. Duplicate passbook / Statament charges Rs. 50 per instance
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
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.
50. Special features If you opt for Sweep facility; all amounts above Rs. 25,000/- will be converted into FD in multiple of Rs.5,000/- on every saturday(EOD) for a period of 1 year, As & when the balance in the account goes below Rs. 15,000/-, 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.