Dhanlaxmi Bank

The micro and agricultural banking services of Dhanlaxmi Bank are Agri Gold Loan, Dhanam Kisan Card, Kisan Credit Card, and Micro Credit.

Products Offered by Dhanlaxmi Bank 

Some of the products offered by Dhanlaxmi Bank are given below: 

Accounts 

1. Savings Account: Dhanlaxmi Bank offers 11 different types of savings account facilities to its customers along with the services like ATM cum debit card, online banking, and fund transfer. The bank has designed several saving accounts for its customers depending on their needs. These savings accounts are Dhanam Genius, Dhanam Vanitha, Dhanam Yuvak, Dhanam Premium, Dhanam Preferred, Dhanam Privilege, Dhanam + and ++ Savings Account, Smart Salary Savings Account, Dhanam Basic Savings Bank Account, Regular Savings Account, and Dhanam Basic Savings Bank Account – Small. 
2. Current Account: Dhanlaxmi Bank also provides a current account facility to its customers. Customers can open any of these current accounts for their businesses, namely Power Current Account, Premium Current Account, Regular Current Account, and Super Power Current Account. 

Loans 

Dhanlaxmi Bank provides loan facilities to its customers. The customers can avail any of these loans based on their needs and requirements: 

1. Home Loan: Dhanlaxmi Bank also provides home financing options to its customers with step up step down Equated Monthly Installment (EMI) options. The home loan interest can range up to 9.50% and its tenure is up to 20 years. There are various variants of home loans offered by Dhanlaxmi Bank such as home extension loan, home improvement loan, construction loan, and plot plus construction loan. 
2. Personal Loan: Dhanlaxmi Bank offers personal loans to salaried and self-employed individuals who are above 23 years of age. The loan can be availed by the customers with minimal documentation if they have good credit scores. 
3. Loan Against Property: The customers can avail loans from Dhanlaxmi Bank against their residential and commercial properties and can use the amount for the desired requirement. The repayment loan tenure can range between three years to 15 years. 
4. Education Loan: The bank offers education loans to customers who are seeking to take admission to the leading educational institutions across India and abroad to fulfil their dreams. 
5. Car Loan: Customers can avail two types of car loans from Dhanlaxmi Bank namely a new car loan or a used car loan. You can repay your car loan amount within 12 months to 60 months. 

1. Business Loan: Dhanlaxmi Bank provides business loans to traders, manufacturers, retailers, wholesalers, etc. who were into the part of the business for four years. 

Deposit 

The customers can avail any of the following deposit options from Dhanlaxmi Bank: 

1. Fixed Deposit: Dhanlaxmi Bank comes with a wide range of fixed deposit schemes to meet the investment needs of the customers. The FD rate lies between 3.25% to 6.25% on the tenures ranging from seven to ten days. 
2. Recurring Deposit: The customers can also open recurring deposit accounts in Dhanlaxmi Bank where they can invest a small amount on a monthly basis. One of the popular recurring deposit schemes offered by Dhanlaxmi Bank is Laxmi Recurring Deposit. 

Cards 

1. Credit Card: Customers can apply for credit cards from Dhanlaxmi Bank for shopping and other requirements. Currently, the bank offers only one type of credit card, i.e., the Platinum Credit card. 
2. Debit Card: Dhanlaxmi Bank offers two types of debit cards namely, Dhanlaxmi Debit Card and Dhanlaxmi Debit Card Verified by VISA. Through the help of a debit card, customers can pay their bills online, get rewards, and do online shopping. 

Banking 

Given below are some of the banking facilities provided by Dhanlaxmi Bank: 

1. Mobile Banking: The customers of Dhanlaxmi Bank can transfer money, find offers, and pay bills through its mobile banking facility. 
2. Balance Enquiry: Dhanlaxmi Bank also allows its users to do balance enquiry through different methods such as mobile banking, internet banking, and bank passbook. 
3. Net Banking: Through the internet banking facility, the customers of Dhanlaxmi Bank can avail different types of online banking services. 
4. Customer Care: The customer care service of Dhanlaxmi Bank helps its customers to resolve their queries or issues related to banking and financial services.