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  • Smart Salary Savings Account

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

    Dhanlaxmi Bank offers the Smart Salary Savings Account for employees with salary deposit, providing them free banking services, coupled with secure and convenient features. The account can also be opened by employers.

    Bank Dhanlaxmi Bank
    Account Name Smart Salary Savings Account
    Category Savings Account
    Initial Deposit Requirements Nil
    Average Monthly Balance (AMB) Nil
    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 with Registration Charges
    Type of Debit Card Classic Debit Card

    Services and Features of Smart Salary Savings Account

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

    Cheque Book Issued for free per quarter (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) 5 NEFT transactions are allowed for free per month, beyond that the 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) 5 RTGS transactions are allowed for free per month, beyond that the following charges are levied per transaction:
    • Upto Rs.2 lakh – Nil
    • Above Rs.2 lakh to Rs.5 lakh – Rs.25
    • Above Rs.5 lakh – Rs.50
    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
    Cash withdrawal at non base branch Cash withdrawals of up to Rs.30,000 and POS at 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 Smart Salary Savings Account

    Following fees is charged by Dhanlaxmi Bank for offering various banking services to Smart Salary 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 After 20 free cheque leaves every quarter, Rs.2 is charged for every leaf
    Anywhere Fund Transfer Free of charge
    Charge for Issue and Return of Cheque – Financial reasons Rs.250 for each cheque
    Charge for Deposited Cheque and Return Local cheque – Rs.50 Outstation cheque – Rs.150
    Cancellation of DD or PO Rs.50 charged per instrument
    Cancellation and Re-issue of instrument (Duplicate) Rs.100 charged per instrument
    DD and PO at Bank location Every month, 2 POs and 2 DDs are provided by the bank for free. Post which, the following charges apply:
    • Upto Rs.10,000 – Rs.30
    • Rs.10,001 to Rs.50,000 – Rs.100
    • Rs.50,001 to Rs.1,00,000 – Rs.200
    • Rs.1,00,001 to Rs.10,00,000 – Rs.2 per 1000 ( Minimum – Rs.250, Maximum – Rs.7500)
    DD of Correspondence Banks Every month, 2 DDs are offered for free by Dhanlaxmi Bank, Post which, the following fee is charged:
    • Upto Rs.10,000 – Rs.30
    • 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
    e-mail Alerts 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.50 Series – Rs.100
    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 Nil

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

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