FEATURES Suvidha Current Account
1. Balance required to maintain (AMB) Nil (upfront annual charge of Rs.2,400)
2. Account maintenance charges Nil
3. Penal charges(AMB Non Maintainance) Nil
4. Account closure charges


5. NEFT-From Branch Upto Rs.10k - Rs.2.95 ,
Above Rs.10k to 1 Lakh - Rs. 5.90 ,
AboveRs.1 Lakh to 2 Lakhs - Rs. 17.70 ,
and above Rs. 2 Lakh - Rs.29.50 per transaction.
6. NEFT-Internet Banking Free
7. RTGS-From Branch 10 RTGS Free from branch per month,
beyond that upto Rs.2 lakh free,
above Rs. 2-5 lakh - Rs.29.50 per transaction,
Rs.5 lakh and above Rs.59 per transaction
8. RTGS-Internet Banking Free
9. Personalized PAP cheque book 1 cheque book (50 leaves) free per month, 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 < 25000 / day (IT directive on PAN to be followed). For cases where cash deposit is allowed above threshold (at branch discretion), charges @ Rs.2 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 per transaction only. For cases where cash withdrawal is allowed above threshold (at branch discretion), charges @ Rs.1 per 1000, Minimum Rs.50per 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 per month Free upto Rs. 15 lakh per month beyond that Rs.2 per 1000/-
The threshold limit fixed for cash remittance without charges(free limit) is 20 times of AMB maitained by the customer during the previous month OR the threshold limit as prescribed by the product features,whichever is higher.
13. Anywhere banking funds transfer Free
14. Charges for DD at bank locations 10 DDs free per month beyond that Rs.50 per DD
15. Charges of correspondence banks DD 10 DDs free per month beyond that Rs.50 per DD
16. PO Charges 10 POs free per month
beyond that Rs.25 per PO
DDs & POs can be made for amount less than Rs.10 lakh (amount of free DD should be less than Rs.10 lakh / DD)
17. Cancellation Rs.50 per instrument
18. Cancellation & issuance of duplicate Instrument Rs.100 per instrument
19. Cheque issued & returned (financial reasons) Rs.400
No charges for cheque returned for technical reasons
20. Cheque deposited & return Rs.50 for Local & Rs 150 for outstation - per Cheque
21. ECS returns Rs.400
22. Outstation cheque collection at bank locations Rs.100 per cheque
23. Outstation cheque collection at non bank locations Rs.100 per instrument
24. Type of Debit Card & Classic Debit Card
25. 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.25,000/-
26. Limit of debit card Rs.20,000 per day
27. Limit for POS Rs.30,000 per day
28. Hot listing charges & reissue charges No charges for hot listing Rs.100 levied for reissue
29. ATM interchange (National / International) Free
30. ATM pin generation charges Free
31. Charges for per add-on card Rs.100
32. Mobile Banking Free
33. SMS Alerts Domestic -60 Paisa Per SMS and maximum is Rs.400 Per quarter
34. Internet Banking Free
35. Phone Banking Free
  1. Issuance Charges are exempted for Renewal cards (Card issued following expiry)
36. Email monthly Free
37. Quarterly one statement free per month,there after,Rs 25/- per statement
38. Stop payment Rs 50 per cheque leaf; Rs 100 for series
39. Enquires related to old record Rs.75 per request
40. Standing Instruction set up / Amendment Rs.50 / SI / Amendment
41. Duplicate passbook / Statament charges Rs. 50 per instance
42. Processing Charges for ECS Mandate Rs. 100/-
43. Photo attestation Rs.200 per instance
44. Signature attestation
45. Address attestation
46. No dues certificate
47. Balance confirmation charges
48. Telephone / Fax charges On actuals, minimum Rs.25
Door Step Banking
49. 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
50. 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.
51. Special features -
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. An initial payment for opening a new account should be made for at least the Minimum Average Monthly Balance of the account
3. Minimum Average Balance Charge on an account type shall not be applicable for the Account Opening Month
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.