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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.

Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

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Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

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