Schedule of charges


FEATURES MaxiGain Supreme Savings Account
1. Balance required to maintain (AMB) Rs.10,000 monthly
2. AMB (Non maintenance charges) Based on shortfall in actual AMB from stipulated AMB as mentioned in "Revised Service Charges with effect from July 09th, 2016".
3. Account closure charges

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

4. NEFT-From Branch 10 NEFT free from branch per month;
beyond that upto Rs. 10k - Rs.2.50,
above Rs.10k & upto 1 lakh Rs. 5,
above Rs. 1 lakh & upto 2 lakhs - Rs.15,
and above Rs. 2 lakhs -Rs.25 per transaction
5. NEFT-Internet Banking Free
6. RTGS-From Branch

10 RTGS Free from branch per month,
beyond that Upto Rs.2 lakh free,
above Rs. 2 lakh to 5 lakh - Rs.25 per transaction, Rs.5 lakh - Rs.50 per transaction

7. RTGS-Internet Banking Charges applicable
8. PAP cheque book 1 cheque book (20 leaves) free per quarter, Rs.3 per leaf thereafter
9. Cash Deposit at Non Base Branch Free cash deposit up to Rs.1 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 less than Rs. 25000 per 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. 1 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 is more than 2lakh
11. Cash deposit at home branch Free
12. Anywhere banking funds transfer Free
13. Charges for DD & PO at bank locations

Free 3 DDs & 3 POs per month.
beyond that upto Rs.10,000 - Rs.30,
above Rs.10,000 & upto Rs.50,000 - Rs.100,
above Rs. 50,000 & upto Rs.1 lakh - Rs.200,
above Rs.1 lakh to less than Rs.10 lakh Rs.2 per 1000
(min.Rs.250 and max.Rs.5000)

14. Charges of correspondence banks DD

FREE 2 DDs 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 lakh Rs.2.00 per 1000 (min.Rs.250 and max.Rs.7500)

15. DDs & POs can be made for amount less than Rs.10 lakh (amount of free DD should be less than Rs.10 lakh per DD)
16. Cancellation Rs.50 per instrument
17. Cancellation & issuance of duplicate Instrument Rs.100 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.50 for local cheque & Rs.150 for outstation cheque
20. ECS returns Rs.300
21. Outstation cheque collection charges Free collection of 2 outstation cheque per month beyond that Rs.25 per instrument
22. Type of Debit Card Gold Debit Card
23. Debit card issuance (registration) charges and Annual fees
( w.e.f. 9th July 2016)
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 per add- on card
30. Mobile Banking Free
31. SMS Alerts
( w.e.f. 29th May 2017)
Domestic -50 Paisa Per SMS and maximum is Rs.250 Per quarter.
32. Internet Banking Free
33. Phone Banking Free
34. Reissue of internet user ID & password Free
  1. Annual charges will be levied in accounts in which Debit cards are issued prior to one year starting July 2016.
  2. 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 Free 1 instructions/month beyond that, Rs 50 per chq leaf; Rs. 100 for series
38. Enquires related to old record Rs.75 per request
39. Processing Charges for ECS Mandate Rs 75/-
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
46. Standing Instruction set up / Amendment Free
47. Duplicate passbook / Statament charges Rs. 50 per instance
Door Step Banking
48. Cash pickup / Delivery
3 transaction free per month (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;
49. Cheque pickup / Delivery

5 pick up per delivery free per month
beyond that Rs. 50 per pick up or delivery

Door step banking facility is available only at salect 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 ( or visit your nearest Branch.