We welcome you to the world of Mobile Banking. " DhanSmart "App is available on App Store & Google Play Store for iOS, Android phone/tablets respectively.

DhanSmart enables you to access your accounts on your mobile phone. With Mobile Banking DhanSmart App, you can conduct financial and non-financial transactions securely. From making fund transfers to checking your account information, DhanSmart allows you to do banking from anywhere at any time.


The Mobile Banking facility is currently available to Retail Banking customers having Savings Account (Individual) or/and Current Account (Individual) With ATM/Debit Card.
The following retail customers (Individual) with below mode of operations can use the Mobile Banking facility.

  • Single (Sole owner)
  • Joint or Other (Either or Survivor)
  • Joint or First (Anyone or Survivor)

This facility is not available for the following customers:

  • Non-Individual Customers
  • Minor Account Holders
  • JAO (Joint And Others) and JAF (Joint And First) joint account type holders

Fund Transfer transaction is allowed only in INR currency. Cross Currency transactions are not allowed.

Registration Process & Features

Registration & Login Process

Registration Process:
The customers can download ‘DhanSmart’ mobile banking app from Android / iOS App from respective stores.

Customer to do a self-registration either in Retail Internet Banking or in Mobile Banking.

In Retail Internet Banking login page, the registration process can be completed by clicking the link ‘Register for Internet Banking’ using active debit card. In Mobile Banking login page, the registration process can be completed by clicking the link ‘New User’ using active debit card. Transaction facility will be provided with default limit set by the Bank

For non-debit card holders, self-registration process can be completed through same option by selecting ‘User Details’. Once the process is completed successfully, view only access will be provided. Customer to request for transaction access by selecting Change Transaction Limit Segment under menu ‘Others’. The transaction facility shall be provided within 3 working days after successful verification process.

The customers can download our Android & iOS App from respective App Stores. To Activate the App, click on the 'Create MPIN' button in the Login Screen and provide the Debit card details and other credentials.

Login and Transaction:

Login Process using the options

  • Using MPIN
  • Biometric (Face or Fingerprint)
  • User ID & Password

Two factor authentication in the form of SMS OTP or Mobile app based OTP (Smart ID)


The following features are enabled on Dhanlaxmi Bank Mobile Banking:

Login Screen

  • New User (Self Registration) – Using Debit Card
  • New User (Self Registration) – Without Debit Card
  • User ID – Login using User ID ( Customer ID) and Password
  • MPIN – Set MPIN Login using User ID & Password
  • Biometric – Set biometric Login using User ID & Password
  • Face – For iOS Users
  • ATM PIN – ATM / Green PIN generation
  • Contact Us
  • Locator


  • Change Password
  • Manage Smart ID – An alternate option for SMS two factor authentication


  • Accounts - Savings and Current Accounts Balances.
  • Deposits - Term Deposits Balances (Recurring and Fixed).
  • Loans - Outstanding Amount, Branch & Next Payment Date.
  • Credit Card - Credit Card (Cash & Card) Limit.
  • Debit Card – Quick Links
  • Networth Chart
  • Quick Transfer – Within Bank & Other Bank
  • Quick Links


  • Accounts
    • Statements (Mini & Detailed)
    • PDF & Excel Download
    • Share Statement – My Mail & Other Mail with or without Encryption
    • Transaction Search
    • View Details
    • Edit Product Name
    • Requests
    • Chart – Debit & Credit
    • Repeat Transactions (Own, Loans)
    • Pay Later Transaction ( Own, Credit Card, Loans)
  • Deposits
    • View Details
    • TD / RD - Download Advice
    • Edit Product Name
    • Recurring Deposit Statement (Mini & Detailed)
    • Search Transaction
    • PDF & Excel Download
    • Share Statement - My Mail & Other Mail
    • Requests
    • Apply for New Deposit Account (+)
  • Loans
    • View Details
    • Loan Statements
  • Credit Cards
    • Reward Points Summary
    • Request
    • View Details
    • Unbilled Transactions
    • Billed Transactions
    • Supplementary Cards
    • Last 6 Months Statements

  • Transfers
    • Manage Beneficiary – Within Bank & Other Bank
    • Search Beneficiary
    • My Accounts ( CASA , Loans, Credit Card)
    • Within Bank
    • Other Bank ( 24 * 7 - IMPS / NEFT / RTGS )
    • GST Payment
    • Repeat Transactions
    • Pay Later Transactions
    • Payment Receipt Confirmation in PDF format
    • One Time payment without beneficiary addition
    • Other bank’s Credit Card payment via NEFT. 
    • Other bank’s Loan payment via NEFT.

  • Services
    • Accounts
      • Cheque Book Request
      • Stop Cheque Request
      • Cheque Status Inquiry
      • Positive Pay
      • Pradhan Mantri Jeevan Jyoti Bima Yojana( PMJJBY) Subscription
      • Pradhan Mantri Suraksha Bima Yojana( PMSBY) Subscription
      • Sovereign Gold Bond Subscription
      • APY (Atal Pension Yojana) Subscription
    • Deposit
      • Open Deposit
      • TDS Enquiry
      • RD Withdraw
      • TD Premature Withdraw
      • Modify TD Payout Instruction
      • Submit Form 15 G / H
      • Download Form 15 G / H
      • Overdraft Against Deposit

    • Loan
      • Overdraft Against Deposit
    • Debit Cards
      • Green PIN
      • Card Hot Listing
      • Card Reissuance
      • Block / Unblock Card
      • Domestic Limit Management
      • International Limit Management
    • Credit Cards
      • Green PIN
      • Manage EMI
      • Card Hot Listing
      • Block / Unblock Card
      • Card Reissuance
      • Domestic Limit
      • International Limit
      • Manage Sub Limit
      • Unsecured Transactions
    • General
      • Update PAN - Offline
      • Update Aadhaar - Offline
      • Update Email ID - Offline
      • Manage Nominee
      • Request Status – Status of Offline Requests
  • Bill Payment
    • Utility Bill Payments.
    • Insurance Payments.
    • Mobile Recharge.
    • DTH Recharge.
    • Donation.
    • Subscription

  • Transactions
    • Transaction Search with various search options
    • Download Transaction Receipt
  • Others
    • Forex Rates.
    • Interest Rates.
    • Modify Transfer Limit.
    • Change Transaction Limit Segment.

Bank alerts the customers for all the financial Online transactions / ATM / POS by way of SMS and Email.

Please Click Here to view FAQs

Mobile Banking Demo