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> Home > Personal Banking > Savings Account

Notice to the Maxigain customers w.e.f January 14, 2013

Click here for Product Change Notice w.e.f July 1, 2011

Dhanam Genius Dhanlaxmi Bank's "Dhanam Genius Savings Account" is exclusively designed for kids/students aged 10 years to 23 years. We are sure that this product is the new guide for building habit of thrift in future buds like you in focus. AMB# - Rs. 5,00     Features Eligibility Apply Balance required to maintain (AMB) Rs.500/- Auto sweep-in / Sweep-out facility - A unique benefit which maximises your returns while offering you liquidity at the same time! Weekly balance in your Dhanam Genius account, above Rs. 5000/- are automatically sweep into fixed deposit in multiples of Rs. 1000/- for a tenure of 30 days. What's more, this amount always available to you and conveniently sweep back into you account at any time. ATM card with Personalized Photo (one time charge of Rs.200/- applicable) personalized ATM card in which account holder can make photo of his/ her choice as Debit card back ground. This is a unique idea that transformed in to reality. Free ATM-cum-Debit Card without annual maintenace changes (AMC) Free 2 RTGS/NEFT per month Free 2 DDs/PO s per month Daily ATM withdrawal limit of Rs.5000/- Daily PoS limit of Rs.5000/- kids/students aged 10 years to 23 years Apply     Dhanam Yuvak Dhanlaxmi Bank’s Dhanam Yuvak Savings Account is exclusively designed for youth aged 18 years to 35 years. We are sure that this product is the new entry to your bright future. This “Dhanam Yuvak Saving Account” is packed with all the features you need to ensure a superior banking experience. AMB# - Rs. 1,000     Features Eligibility Apply Average Monthly Balance - Rs.1000.00 Free Accidental Death Insurance coverage of Rs.4 lacs for one year ( provided customer agree to maintain an AMB of Rs.5000.00) ATM Card with Personalized Photo ( One time charge of Rs.200 applicable). For others standard debit card without AMC and issuance charge Anywhere Banking - You can walk into any branch accross the country for all your banking needs. ATM withdrawal per Day - Rs. 30,000/- POS Limit per Day - Rs. 50,000/- NEFT (Internet Banking), RTGS (Internet Banking), Internet Banking, E-Mail Alerts, E-Mail Statements, Phone Banking, Mobile Banking, Re-issue of Internet ID & Password, ATM PIN Generation Charges, Cash Deposit at Home Branch, Anywhere banking funds transfer, ECS Charges, Standing Instruction - ABSOLUTELY FREE Cheque Leaf - First 20 Cheque leaf free Number of other Bank ATM Withdrawal - 5 Free per Month Credit Card - Absolutely free without any hidden charges (* subject to eligibility) Door Step Banking - Available (*Condition Apply) (Major) Above 18 years to 35 years Apply   Dhanam Preferred Dhanam Preferred savings account enhances your banking experience through online banking, access to vast network of ATMs, merchant outlets and many more. AMB# - Rs. 5,000     Features Eligibility Apply ATM Withdrawal limit of Rs. 50000/ Day POS limit of Rs.75000/Day Free 5 NEFT and 5 RTGS per month Free NEFT through Net banking Free one Personalised Cheque book per quarter Free unlimited cash deposit at Home branch Free cash deposit/withdrawal at non base branch up to 100000/Day Free 3 DD/Month Average monthly balance Rs.5000/- The account can be opened by individuals, trusts, societies, clubs or associations, and can even be opened in the name of a minor. Apply     Dhanam + and ++ Savings Account Dhanam+ & ++, combines the benefits of a term deposit with the flexibility and convenience of a savings bank account. AMB# - Rs. 5,000     Features Eligibility Apply Flexible term deposits with interest reduction on premature closure Minimum deposit of Rs. 5,000 with subsequent multiples of Rs. 1,000 Free cheque book with a savings bank account or a certificate of deposit account Interest on eligible units paid on due date at prevailing term deposit rates of 46/91 days as per Income Tax Act provisions Rs. 500 minimum remittance amount from the fixed deposit; amounts in excess rounded off to the nearest Rs. 100 Rs. 500 minimum withdrawal by cheque only; amounts in excess rounded off to the nearest Rs. 100 No interest paid if deposit is closed within 15 days from the initial investment The account can be opened by individuals. Apply     Dhanam Basic Savings Bank Deposit The Basic Savings Account is a zero-balance, no-frills account that simplifies banking for people seeking basic deposit and withdrawal facility. AMB#- Nil     Features Eligibility Apply Free cash withdrawal from any other banks’ ATM Debit card facility is available Free Anywhere Banking - unlimited non-cash transactions 5 Cash transactions free per month Average Monthly Balance – Nil The account can be opened by individuals, singly or jointly and also can be opened in the name of a minor. However, this is not open to NRIs. Apply Dhanam Basic Savings Bank Deposit Account - Small Basic Savings Bank Deposit Account – Small is a normal banking service available to all. It is a zero-balance account that simplifies banking for people seeking basic deposit and withdrawal facility. AMB# - Nil     Features Eligibility Conditions Apply No minimum balance requirement Account can be opened on the basis of simplified KYC norms No Maintenance charges Debit card facility is available Individuals only Minors jointly with guardian following the usual precautions The account can not be opened by HUF’s , Association, and Trust etc. The aggregate of all credits in financial year should not exceed rupees one lakh The aggregate of all withdrawals and transfers in a month should not exceed rupees ten thousand The balance at any point of time should not exceed rupees fifty thousand. Apply	Dhanam Vanitha Exclusively designed for women empowerment and keeping the discerning needs of our valuable women customers. This Dhanam Vanitha Account is packed with all the features you need to ensure a superior banking experience. AMB# - Rs. 5,00     Features Eligibility Apply Balance required to maintain (AMB) Rs.500/- Sweep-in / Sweep-out facility - Balance in the account above Rs. 25,000 will be converted into FD (in multiples of Rs. 5000) on a fortnightly basis for tenure of 45 days. ATM Withdrawal limit Rs.30,000/ day POS Limit Rs.75,000/ day Free Insurance Coverage - Accidental Death Insurance cover of Rs.4,00,000/- for 1 year provided for the customers who agree to maintain an AMB of Rs.5000/-. Number of other Bank ATM Withdrawals 5 Free / month NEFT-From Branch Free 2 NEFT from branch / month Number of other Bank ATM Withdrawals 5 Free / month Free NEFT-Internet Banking RTGS-From Branch - 2 RTGS free from branch / month. Free RTGS-Internet Banking Unlimited Free Anywhere banking funds transfer Free E-mail alerts Free Internet Banking Free Phone Banking The account can be opened with primary applicant as any resident Indian woman (majors above 18 years). Apply       Dhanam Premium Welcomes you to the Premium Banking experience that makes your banking more convenient and feature rich. AMB# - Rs. 10,000     Features Eligibility Apply ATM Withdrawal limit of Rs. 50000/ Day Free unlimited other bank ATM transaction POS limit of Rs.75000/Day Free 10 NEFT and 10 RTGS per month Free NEFT through Net banking Free one Personalised Cheque book per quarter Free unlimited cash deposit at Home branch Free cash deposit/withdrawal at non base branch up to 100000/Day Free 3 DD/Month Average monthly balance Rs.10000/- The account can be opened by individuals, trusts, societies, clubs or associations, and can even be opened in the name of a minor. Apply   Dhanam Privilege It is our privilege to serve our valued customer’s .In our constant endeavour to fulfil all your banking needs Dhanlaxmi Bank launched "Dhanam Privilege savings account". AMB# - Rs. 25,000     Features Eligibility Apply ATM Withdrawal limit of Rs. 50000/ Day Free unlimited other bank ATM transaction POS limit of Rs.100000/Day Free unlimited NEFT and unlimited RTGS per month Free NEFT through Net banking Free one Personalised Cheque book per quarter Free unlimited cash deposit at Home branch Free cash deposit/withdrawal at non base branch up to 200000/Day Free 5 DD/Month Average monthly balance Rs.25000/- The account can be opened by individuals, trusts, societies, clubs or associations, and can even be opened in the name of a minor. Apply   Smart Salary Savings Account The Smart Salary Savings Account bundles free services, security and convenience for employees while providing easy and convenient salary deposit and management processes for employers. AMB# - Nil     Features Eligibility Apply Free 5 NEFT & 5 RTGS from branch per month Free 2 Outstation cheques collection per month Free 2 Demand Drafts at bank location & 2 Demand Drafts free at Correspondent  bank locations per month (covering more than 900 locations) Free 2  Pay Orders per month Free 1 ‘At Par’ Cheque Book per quarter Debit card facility is available Free Anywhere Banking - unlimited non-cash transactions Door Step Banking facility* Average Monthly Balance – Nil The account can be opened by individuals, trusts, societies, clubs or associations, and can even be opened in the name of a minor Apply   Regular Savings Account The Regular Savings Account combines security and easy access through our pan-India branch network, seamless banking channels and access to the ATM networks of other banks. AMB# - Rs. 1,000     Features Eligibility Apply Free 1 ‘Payable at Par’ Cheque Book Debit card facility is available Free Anywhere Banking - unlimited non-cash transactions Door Step Banking facility* Average Monthly Balance – Rs.1,000/- The account can be opened by individuals, trusts, societies, clubs or associations, and can even be opened in the name of a minor Apply
Note :
#Average Monthly Balance (AMB)e 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 With effect from April 1, 2012 onwards, Cheques/Drafts/Banker’s cheques issued with date of April 01, 2012 and later shall be valid for 3 months only . This is as per RBI Guidelines dated November 4, 2011.

 

Notice to the Maxigain customers w.e.f.January 14, 2013

Dear Sir/Madam

This is to inform the customers that the Bank has stopped opening of new Maxigain Savings & Current accounts with immediate effect and the tenure of fixed deposits for all existing Maxigain accounts will be reduced from 1 year to 46 days with effect from 14-02-2013, i.e. the existing FDs linked to the Maxigain products will get renewed for 46 days only on maturity and any fresh deposits in the existing Maxigain accounts will be swept out for 46 days FDs.

We request you to make a note of the above change.

For any further queries, please get in touch with the Branch Head or the Branch Operations Manager.