• Dhanlaxmi Bank Regular Savings Account

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    Savings Account
    • Instant money transfer
    • 24x7 ATM withdrawals
    • Attractive rate of interest

    Dhanlaxmi Bank’s Regular Savings Account allows its customers easy and secure banking via its huge network of branches all over the country. With its seamless banking channels, Dhanlaxmi Bank enables Regular Savings Account holders also have access to the ATM networks of various other banks.

    Bank Dhanlaxmi Bank
    Account Name Regular Savings Account
    Category Savings Account
    Initial Deposit Requirements Nil
    Average Monthly Balance (AMB) Rs.1000
    Charges for Account Maintenance Nil
    Eligibility Individuals, societies, associations, trusts or clubs are eligible to apply. The account can also be opened in a minor’s name.
    Debit Card Available, Registration fee applicable
    Type of Debit Card Classic Debit Card

    Services and Features of Regular Savings Account

    Dhanlaxmi Bank Savings Account provides the following services and features to its customers:

    Cheque Book 1st cheque book for free (20 leaves)
    Debit Card limit Rs.20,000 in a day
    POS limit Rs.30,000 in a day
    NEFT and RTGS Facility Available – Branch and Internet Banking
    NEFT and RTGS – Internet Banking Charges Applicable
    NEFT (Branch) Following charges are levied per transaction:
    • Upto Rs.10,000 – Rs.2.50
    • Rs.10,001 to Rs.1,00,000 – Rs.5
    • Rs.1,00,001 to Rs.2,00,000 – Rs.15
    • Above Rs.2,00,000 – Rs25
    RTGS (Branch) Following charges are levied per transaction:
    • Rs.2 lakh to Rs.5 lakh – Rs.20
    • Above Rs.5 lakh – Rs.45
    Cash Deposit at Home Branch No charge
    Cash Deposit at Non base Branch
    • Up to Rs.50,000 per day permitted
    • Third party form must be submitted
    • For single transactions below Rs.25,000 per day, third party form is not required
    • Cash deposits above allowed limit are charged at Rs.1 per 1000
    Cash withdrawal at non base branch Cash withdrawals of up to Rs.50,000 per day without any charge Third party withdrawal above Rs.50,000 is charged at Rs.1 per 1000.
    Statement of Account monthly via email Available
    Cash/cheque pickup Delivery Available

    Fees and Charges for Dhanlaxmi Bank Regular Savings Account

    Following fees is charged by Dhanlaxmi Bank for offering various banking services to Regular Savings Account holders:

    Penalty for non-maintenance of AMB Monthly charges for shortfall in AMB:
    • Shortfall upto 10% - Rs.40
    • Above 10% to 30% - Rs.80
    • Above 30% to 60% - Rs.120
    • Above 60% - Rs.160
    PAP Cheque Book 1st cheque book provided for free, post which Rs.2 is charged for every leaf
    Anywhere Fund Transfer Free of charge
    Charge for Issue and Return of Cheque – Financial reasons Rs.225 for each cheque
    Charge for Deposited Cheque and Return Local cheque – Rs.45 Outstation cheque – Rs.140
    Cancellation of DD or PO Rs.45charged per instrument
    Cancellation and Re-issue of instrument (Duplicate) Rs.90 charged per instrument
    DD and PO at Bank location
    • Upto Rs.10,000 – Rs.25
    • Rs.10,001 to Rs.50,000 – Rs.90
    • Rs.50,001 to Rs.1,00,000 – Rs.175
    • Rs.1,00,001 to Rs.10,00,000 – Rs.2 per 1000 ( Minimum – Rs.250, Maximum – Rs.5000)
    DD of Correspondence Banks
    • Upto Rs.10,000 – Rs.25
    • Rs.10,001 to Rs.1,00,000 – Rs.2.50 per 1000
    • Rs.1,00,001 to Rs.10,00,000 – Rs.2 per 1000
    (Minimum – Rs.250, Maximum – Rs.7500)
    Debit Card Registration Fee Rs.50
    Debit Card Annual Fee Rs.25 Customers maintaining an AMB of Rs.10,000 can avail an exemption
    Debit Card ATM pin generation Free
    Add-on card charges Rs.100 for each card
    Mobile Banking Free
    Internet Banking Free
    Phone Banking Free
    SMS Alerts Rs.30 per quarter exempting the first quarter of account opening
    E-mail Statement of Account Free
    Stop Payment Charges Cheque leaf – Rs.45 Series – Rs.90
    Charges for Delivery or Pick-up of Cash Following rates are charged for each pick-up or delivery:
    • Rs.25,000 to Rs.1 lakh – Rs.200
    • Rs.1 lakh to Rs.3 lakh – Rs.300
    • Rs.3 lakh to Rs.5 lakh – Rs.400
    • Rs.5 lakh to Rs.10 lakh – Rs.650
    Charges for Cheque Delivery or Pick-up Rs.50 for each cheque delivery or pick-up
    Charges for Account Closure
    • Upto 14 days – No charge
    • 15 days – 6 months – Rs.90
    • Over 6 months – No charge

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    GST of 18% is applicable on all banking products and services from July 1, 2017 onwards.

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