Retail Internet Banking and Mobile Banking FAQ

• Using existing user ID and password

  You can use the same user name and password to login to the new internet banking also. When you login for the first time, system will prompt to change the password. You can set a new password.
  

• Using the ‘Forgot password’ option.
  Click on “Forgot Password/Unlock User” in the login page for updating Password. You will be taken through the below easy procedure:
  • Enter your user ID
  • Verify with (Debit Card).
  • Enter Last 6 digits of Debit Card
  • 4 Digit PIN
  • Expiry Date.
  • OTP for Authentication.
  • Enter new password as per password Policy
• Contact any of our Branch if you do not know the existing password and there is no Debit Card

• Option 1
  

  First, Login to Retail Internet Banking with existing user ID and password. System will prompt for change password. User to set the password in the upgraded version and then login to Mobile Banking with the same password of Net Banking. User can set the 4 digit MPIN or register for biometric after login through Net Banking credentials.
  

• Option 2
  Using the ‘Forgot password’ option.
  Click on “Forgot Password/Unlock User” in the login page for updating Password. You will be taken through the below easy procedure:
  
  • Enter your user ID
  • Verify with (Debit Card).
  • Enter Last 6 digits of Debit Card
  • 4 Digit PIN
  • Expiry Date.
  • Enter OTP received in your mobile for Authentication.
    
  • Enter new password as per password Policy 
    
• Option 3
  Contact any of our Branch if you do not know the existing password and there is no Debit Card
  
  

Go to Google Play Store (Android) or App store (i-OS) and download ‘DhanSmart’.

• Click “New User” Button on the login Page of DhanSmart.
• Select Debit Card
• Enter Customer ID
• Last 6 digit of Debit Card
• Enter PIN of Selected Card
• Enter Expiry Date
• OTP Authorisation
• Create Username and Password

• Go to Retail Net banking login page (Please refer our website)
• Click the link “Register for Internet Banking” on the login page of Net Banking.
• Select Debit Card
• Enter Customer ID
• Last 6 digit of Debit Card
• Enter PIN of Selected Card
• Enter Expiry Date
• Enter OTP received in your mobile for Authorisation
• Create Username and Password

Retail Internet Banking

• Windows : Edge (105 & above), Firefox (106.0 & above), Chrome (106 & above)
• Mac : Safari (15.1 & above), Firefox (106.0 & above), Chrome (106 & above)

Mobile Banking

• Android Version: 8 and above
• IOS version: 12.0 and above

No, you can use the same username and password. The password can be generated through Mobile Banking or Retail Internet Banking, which is a onetime activity.

Uninstall the existing app (DhanSmart) and download the app from store.

• Registered Mobile Number
• Debit card details

• Existing customers can use their customer ID as username.
• For New user registration (Self registration), they have option to create new username as per username policy.
• User can use the same username for both Mobile Banking and Retail Internet Banking.
  

• Username should be minimum 8 and Maximum 16 Characters.
• The Username can contain alphabets (a-z/A-Z) and numbers (0-9) only.
• The Username must start with an alphabet (a-z/A-Z).
• Username once set cannot be changed.
  

• Password should be minimum of 8 characters and maximum of 16 characters.
• Password should contain at least 1 capital alphabet character.
• Password should contain at least 1 small alphabet character.
• Password should contain at least 1 numeric character.
• Password should contain at least 1 special character, allowed characters are @, #; *.!:
• Password should be changed at every 180 days.
• Last three passwords are not allowed while resetting the password.
  

4 digits.

In every 6 months.

• MPIN Should be numeric.
• Consecutive numeric values are not permitted.
• Previously used 3 MPIN combinations are not accepted.
• Maintain adequate balance in the registered mobile number for SMS delivery.
  

Yes, Select “Forgot Password” from the login page of Mobile Banking for updating Password and follow the below procedure.

• Enter Customer ID
• Verify with Debit Card.
• Enter Last 6 digits of Debit Card
• 4 Digit PIN of Card
• Expiry Date.
• Enter OTP received in your mobile for Authentication.
  
• Enter new password as per password Policy

Yes, Click the “Forgot Password / Unlock User” in the login screen of Mobile Banking and then the steps are:

• Select the type of card (Debit Card)
• Enter last 6 digits of Card number
• Enter 4-digit PIN of Card
• Enter Expiry Date
• Enter OTP received in your mobile for Authentication.
• Enter new password

Yes, if wrong Password is given 3 times consecutively, the account will be locked.

Click on Forgot password / Forgot MPIN

• Verification Mode: Enter Customer ID and Verify with Debit Card.
• Verify Your Card: Enter Last 6 digits of Debit Card, 4 Digit PIN, Expiry Date.
• Select Authentication Mode: Enter OTP received in your mobile.

Yes, Customer can register without debit card. The option is placed under New User Icon in Mobile Banking pre login page. The steps are given below,

• Select User Details
• Enter Customer ID, Registered Mobile number and Email ID – system will validate the data
• Enter 15 Digit Account Number, Date of Birth and PAN Number.
• Enter OTP received in your mobile for Authentication.View access will be assigned after OTP validation
  
  

Yes, Customer can register without debit card. The option is placed under “Register for Internet Banking” link in Net Banking login page. The steps are given below,

• Select User Details
• Enter Customer ID, Registered Mobile number and Email ID – system will validate the information
• Enter 15 Digit Account Number, Date of Birth and PAN Number.
• Enter OTP received in your mobile for Authentication.
• View access will be assigned after OTP validation
  

• Yes, The option is available in the page under Services -> Debit Cards  -> Card Hot Listing

After hot listing you card will be permanently blocked.

• Yes, The option is available in the page under Services-> Credit Cards  -> Card Hot Listing

After hot listing you card will be permanently blocked.

You can disable international access from Services ->Debit Cards/Credit Cards -> International Limit

You can yourself lock your Mobile Banking ID by entering wrong passwords three times.

• You have entered an Incorrect Password
• You have entered an Incorrect Username
• You have done incorrect login attempts 3 times and account is blocked.
• You have not accessed the account for more than 90 days and account has been expired.
  

Yes, you can change password using the option available inside settings under menu (which menu?) (Right hand corner of login page)

Smart ID is an authentication mode for transaction processing, an alternate option in addition to SMS OTP.

Steps for Smart ID Registration:

• Click on Settings (Option in the top right-hand corner).
• Select “Register Smart ID”.
• Select Additional Authorisation Mode as Smart ID and submit.
• Enter OTP received in your Registered Mobile Number and Verify.
• After Successful Registration Smart ID enabling link will be sent as SMS and E-mail.
• Download the Nexus Smart ID app from Play Store/App Store.
• Open the link received in SMS, to invoke the Smart ID app and proceed for registration. Or Scan the QR code received in E-mail and proceed for registration.
• While registering, the app will allow setting the 6-digit PIN. The PIN can be bypassed using mobile device-based Bio-matric authentication
• Upon successful Smart ID app activation card icons will be displayed, you can select the image as per your color preference.

Yes, you can download the deposit advice. The path is Products ? Deposits ? Select any Deposit ? View Details ? Download Advice.

Yes, you can add nominee while opening a Fixed Deposit or Recurring Deposit.

You have to set period by Months and Days Format.

eg: For 555 days – 18 Months and 7 Days

eg: For 1111 days – 36 Months and 15 Days

Yes, you can add nominee for existing Current Account / Savings Account /Deposit. Steps for Adding Nominee is

• Go to Services ? General ? Manage Nominee
• Select Account Type
• Select Account / Deposit Number
• Enter your Nominee Details
• Enter the OTP received in your registered mobile number for Authentication

Yes, you can upgrade transaction limit by changing transaction segment.

Others -> Change Limit Category – you can select appropriate segment from Platinum, or Gold segments for different transaction limits.

Request will be processed within 3 working days.

Yes, you can downgrade transaction limit by changing segment.

Others ->Change Limit Category – you can select appropriate segment from Platinum, or Gold segments for different transaction limits.

Request will be processed within 3 working days.

Yes, through the option Others ? Modify Transfer Limit.

You can view our deposit interest rates under Others  -> Interest Rates.

You can view the details under Products -> Deposits  -> Select a Deposit -> View Details.

At the time of any transaction initiation, select authentication method as Smart ID. Enter the OTP generated from Smart ID application to complete the transaction.

• Install DhanSmart and login with Username and Password
• MPIN has to create again for new device
• De-register Smart ID and then again Update Smart ID

• Visit branch to update Mobile Number.
  
• Recreate Touch ID and MPIN
• SMS will be sent to the registered mobile number only.

Yes, alerts will be received to the mobile number and email id registered with the Bank.

Yes, you can download account statement in PDF and Excel Format, applicable for current, savings and loan accounts.

The other facilities offered are, account statements can be sent to the email of the customer registered with the Bank. Also, the Statement can be forwarded to another mail (not registered with the Bank), however the customer can choose to have the same in protected format to other email id option.

Click on the accounts menu under product tab, to view and download mini statement.

No, there is no charge for downloading account statements.

A Fixed Deposit can be created in the Deposit menu under the Products tab. Click on the “+” Symbol in the nearby deposit menu to add new fixed deposit.

OR

Fixed deposit can be opened from Deposit Quick link.

OR

Fixed deposit can be opened from Services ->Deposits

Fixed Deposit can be opened from Products ? Deposits ? Add New Deposit.

Fixed Deposit opened through online module will be booked in the Home branch of the source account.

The option is facilitated in the details under Deposits.

Yes, however user has to select auto renewal option while creating new Fixed Deposit.

Yes, user can withdraw Fixed Deposit before maturity and the amount will be credited to the account selected by the user.

A Recurring Deposit can be created in the Deposit menu under the Products tab. Click on the “+” Symbol in the nearby deposit menu to add new recurring deposit.

OR

Fixed deposit can be opened from Deposit Quick link.

OR

Fixed deposit can be opened from Services -> Deposits

Recurring Deposit can be opened from Products -> Deposits -> Add New Deposit.

Yes, option is facilitated under the Products tab.

Yes, select Services -> Deposits -> RD Withdraw.

Yes, select Products -> Credit Card

Yes, select Products -> Loans

Select Products -> Credit Card -> Unbilled Transaction -> Select EMI Tenure and Submit

*EMI icon will be displayed for all eligible transactions.

Select Services -> Credit Cards -> Manage EMI

• Fund Transfer between your Own Accounts
• Fund transfer to any Dhanlaxmi Bank Account
• Fund transfer to other bank (NEFT, RTGS, IMPS)
• GST Payment

• Click on Transfers ->Manage Beneficiary
• Then, click “Add Beneficiary” Option

Enter

• Beneficiary Account Holder Name,
• Account Number,
• IFSC Code,
• Email Id,
• Authentication Mode
• Verify OTP
  

• Click on Beneficiary Management
• Select Other Bank/Within Bank
• Then, click “Add Beneficiary” Option

Enter

• Beneficiary Account Holder Name,
• Account Number,
• IFSC Code, Email Id,
• Authentication Mode
• Verify OTP

Yes, User can transfer without adding beneficiary account by selecting One Time Pay.

• Click on My Account Menu under Transfer Tab
• Choose From Account from the list
• Choose To Account
• Enter Amount
• Verify Details
• OTP (SMS / Smart ID)

Click Transfer -> Other Bank Menu

• Choose IFSC Code of the bank
• Enter Beneficiary Account Number and Reconfirm the same account number
• Enter Short Name
• Enter Amount to be transferred
• Verify details
• Enter OTP

In Other Bank -> One Time Pay Transfer Screen or Beneficiary Management -> Other Bank Screen

• Click button “Search IFSC Code”
• Select Bank Name
• Select Branch Name
• Click on Search
• Then verify the details and submit.

Yes, User can transfer up to Rs.25000.

Yes, User can transfer up to Rs.25000.

4 hours after adding a new beneficiary.

Yes, from any transfer options “Repeat” option is available. Then customer can select starting date and the execution frequency.

Yes, select Pay Later option on all payment screens and select the desired date for funds transfer. 

Yes, Transfers Tab ->Repeat/Pay Later

• Select the transaction you want to terminate
• Click Delete.

Yes, there are 4 steps to Pay GST through online,

• After generation of Voucher from the GST Site you will get an account number.
• Add the account number as NEFT/RTGS beneficiary in the NetBanking Screen.
• Initiate the transaction for the amount as per the Voucher generated through NEFT/RTGS.
• Update the transaction reference number in GST portal.

Yes, Select Cheque Book Request under Accounts Menu in Service Tab.

Steps:

• Select the account number

• Confirm the details and submit

• Select Account Number
• Choose Number of Cheque
• Enter Single Cheque Number or Range
• Verify OTP and Submit

Yes, Services -> Accounts -> Sovereign Gold Bond (SGB)

Yes, Services -> Accounts -> Atal Pension Yojana (APY)

Yes, select Deposit -> TD Premature Withdraw.

*The prerequisite is deposit receipt must not be printed from branch.

Download TDS details from Services -> Deposit -> TDS Enquiry

Yes, Select Services -> Deposits -> Submit From 15G/H

Yes, Select Services -> General -> Download Form 15G/H.

Select Services -> Loans -> Overdraft Against Deposit,

• Deposit account number,
• Requested amount and click submit.
• After OTP authentication, OD account will be created online
• Will display OD Account in My Accounts.

The funds transfer can be done from the newly created OD account.

Yes, Services -> Debit Cards -> Block/Unblock Card.

Yes, Services -> Credit Cards -> Block/Unblock Card

Yes, Click Green PIN Under Debit Card/Credit Card in Service Tab.

• Select Debit Card/ Credit Card Number 
• Enter New PIN and Confirm PIN  
• And Click Submit and Verify OTP
  

Yes, Select Services -> Debit Card -> Domestic Limit

• Then Enable POS and enter limit

Yes, Services -> General

•  Enter PAN Number and upload a copy of PAN Card.
• Verify the details
• Enter OTP received in your registered Mobile Number or Smart ID from Nexus Application
  

*The request processing to be completed within 3 working days.

Yes, Services -> General

• Enter Aadhaar Number and upload a copy of Aadhaar Card.
• Verify the details
• Enter OTP received in your registered Mobile Number or OTP from your Nexus Application

The request processing to be completed within 3 working days.

Select Services -> General

The request processing to be completed within 3 working days.

No. Currently, we offer Net Banking free with all accounts. However, all minimum balance/deposit amount requirements of the relevant accounts will need to be honoured.

We have designed the online service in such a way that it takes your requests and acts on them immediately. All transactions that will affect your balance are done automatically by the system. For example, Fund Transfer, Payment instruction, Term Deposit request.

A transaction is treated as successful once the transaction is executed in Core Banking System (CBS). Please verify account statement after transaction.

Login Screen – Retail Internet Banking

• User ID – Login using User ID (Customer ID) and Password
• Forgot User Name
• Forgot Password / Unlock User
• Generate ATM PIN / Green PIN
• Get Help Sign in
• Register for Internet Banking

Login / Home Screen – Mobile Banking

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

Settings – Retail Internet Banking

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

Settings –Mobile Banking

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

Dashboard – Retail Internet Banking

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

Dashboard – Mobile Banking

• Accounts - Savings and Current Accounts Balances.
• Deposits - Term Deposits Balances (Recurring and Fixed).
• Loans - Outstanding Amount, Branch & Next Payment Date.
• Credit Cards - Credit Card (Cash & Card) Limit.
• Debit Cards – Quick Links
• Quick Links
• Transfers
• Bill Pay
• Services
• Transactions

Products – Retail Internet Banking

• Accounts - Savings and Current 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
    
• Deposits
  • View Details
  •  TD / RD - Download Advice
  •  Edit Product Name
  •  Recurring Deposit Statement (Mini & Detailed)
  • Search Transaction o
  • PDF & Excel Download 
  • Share Statement – My Mail & Other Mail (with or without Encryption) 
  • Requests 
  • Apply for New Deposit Account (+), in Retail Banking
    
• Loan
  • 
    
  • View Details
  • Loan Statement
  
  
• Credit Card

  • View Details

  • Reward Points Summary

  • Request o View Details

  •  Unbilled Transactions 

  • Billed Transactions

  • Supplementary Cards

  • Last 6 Months Statements

  • Search Transaction

  • Chart – Debit & Credit
    

Products – Mobile Banking

• Accounts - Savings and Current Accounts

o Statements (Mini & Detailed)

o PDF & Excel Download

o Share Statement – My Mail & Other Mail (with or without Encryption)

o View Details

o Edit Product Name

o Requests

• Deposits

o View Details

o TD / RD - Download Advice

o Edit Product Name

o Recurring Deposit Statement (Mini & Detailed)

o PDF & Excel Download

o Share Statement – My Mail & Other Mail (with or without Encryption)

o Requests

o Apply for New Deposit Account (FD and RD)

• Loans

o View Details

o Loan Statement

• Credit Cards

o Reward Points Summary

o Request

o View Details

o Unbilled Transactions

o Billed Transactions

o Supplementary Cards

o Last 6 Months Statements

Transfers – Retail (Internet and Mobile) Banking

o Manage Beneficiary – Within Bank & Other Bank

o Search Beneficiary

o My Accounts (CASA, Loans, Credit Card)

o Within Bank

o Other Bank (24 * 7 - IMPS / NEFT / RTGS)

o GST Payment

o Repeat Transactions

o Pay Later Transactions

o Payment Receipt Confirmation in PDF format

o One Time payment without beneficiary addition

o Other bank’s Credit Card payment via NEFT. Please click here to know more.

o Other bank’s Loan payment via NEFT. Please click here to know more.

Services – Retail Internet Banking

• Accounts

o Cheque Book Request

o Stop Cheque Request

o Cheque Status Inquiry

o Positive Pay

o Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) Subscription

o Pradhan Mantri Suraksha Bima Yojana (PMSBY) Subscription

o Sovereign Gold Bond Subscription

o APY (Atal Pension Yojana) Subscription

• Deposits

o Open Deposit

o TDS Enquiry

o RD Withdraw

o TD Premature Withdraw

o Modify TD Payout Instruction

o Submit Form 15 G / H

• Loans

o Overdraft Against Deposit

• Debit Cards

o Green PIN

o Card Hot Listing

o Card Reissuance

o Block / Unblock Card

o Domestic Limit Management

o International Limit Management

• Credit Cards

o Green PIN

o Manage EMI

o Card Hot Listing

o Block / Unblock Card

o Card Reissuance

o Domestic Limit

o International Limit

o Manage Sub Limit

o Unsecured Transactions

• General

o Update PAN - Offline

o Update Aadhaar - Offline

o Update Email ID - Offline

o Manage Nominee

o Download Form 15 G / H

• Request Status – Status of Offline Requests

Services – Mobile Banking

• Accounts

o Cheque Book Request

o Stop Cheque Request

o Cheque Status Inquiry

o Positive Pay

o Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) Subscription

o Pradhan Mantri Suraksha Bima Yojana (PMSBY) Subscription

o Sovereign Gold Bond Subscription

o APY (Atal Pension Yojana) Subscription

• Deposits

o TDS Enquiry

o RD Withdraw

o TD Premature Withdraw

o Modify TD Payout Instruction

o Submit Form 15 G / H

• Loans

o Overdraft Against Deposit

• Debit Cards

o Green PIN

o Card Hot Listing

o Card Reissuance

o Block / Unblock Card

o Domestic Limit Management

o International Limit Management

• Credit Cards

o Green PIN

o Manage EMI

o Card Hot Listing

o Block / Unblock Card

o Card Reissuance

o Domestic Limit

o International Limit

o Manage Sub Limit

o Unsecured Transactions

• General

o Update PAN - Offline

o Update Aadhaar - Offline

o Update Email ID - Offline

o Manage Nominee

o Download Form 15 G / H

o Request Status – Status of Offline Requests

Bill Payment - Retail (Internet and Mobile) Banking

o Utility Bill Payments.

o Insurance Payments.

o Recharges.

o Donation.

o Subscriptions.

Transactions - Retail (Internet and Mobile) Banking

o Transaction Search with various search options

o Download Transaction Receipt

Others - Retail (Internet and Mobile) Banking

o Forex Rates.

o Interest Rates.

o Modify Transfer Limit.

o Change Transaction Limit Category.

• You should log-out from the NetBanking when leaving your PC.
• Always change your password continuously, and change them regularly; avoid obvious passwords (names of family members, pets, favourite musician etc), and don't tell anyone your passwords.
• Put in a power-on password in your machine so that nobody else can switch on your machine.
• Don’t login to RIB/ MB from public systems / public Wi-Fi.
• Don’t download app from unknown source, always download DhanSmart from Play Store/ App Store. And always access NetBanking from our Site.
• Have a screensaver password so that when you are away from your workstation nobody else can access it.
• If you think someone knows your password, go online and change it immediately. Avoid using the services from cyber cafe or browsing centres.
• Use the Logout button to Logout so that the session closes and don't shut the window to Log off.
• Update antivirus which will prevent unauthorised persons from accessing your computer and guard against the introduction of malicious programs onto your PC.
• Don’t Download unknown applications
• Don’t share OTP, Password, PIN to anyone.
• Don’t save PIN, Password, Card Number, CVV and Expiry date in your mobile

Adaptive Authentication leverages contextual data during the authentication process to enhance security. Unlike traditional MFA, which evaluates risk only during authentication, Adaptive authentication mechanism continuously evaluates the risk factors while accessing information to determine whether to allow a user request.

Dhanlaxmi Bank has created few scenarios based on the risk profile of the users and whenever the user transaction hits the set scenarios, the system prompts for Adaptive Authentication in addition to the existing authentication mechanisms (OTP or Smart ID)

• New users

During the time of user registration process in Internet Banking /Mobile Banking, the user has to set the answers for 7 pre-set Questions.

• Existing Users

During the login time, the system will prompt for setting answers to the 7 pre-set Questions.

If the submitted answer to the initial Question is wrong, system will randomly ask another Question and user can submit the correct answer for the next Question. Likewise, the system asks for 3 random questions and if the answers turn wrong for all the questions, then the session will terminate. User shall Login again and set answers to the Questions afresh in Settings option to proceed with the transactions using Adaptive Authentication.

Steps for raising dispute for unauthorized transaction:

• Select Transactions menu
• Click on Raise Dispute Button against the unauthorized transaction
• Enter the Dispute Reason
• Click Submit

Steps for raising dispute for unauthorized transaction:

• Select Transactions menu
• Click on the unauthorized transaction
• Click on Raise Dispute Button
• Enter the Dispute Reason e. Click Submit