ATMs part of Dhanlaxmi Bank's nationwide network, whether co-located at branches sites or at off site locations, give clients a convenient, secure, easy and direct means to conduct their banking transactions.

Dhanam@ATM provides numerous services, including

• 24-hour cash withdrawals
• Balance enquiries and mini statements
• Transfer money between accounts
• PIN change

ATM Terms & Conditions

1. Cash Withdrawals and Fast Cash:
   You can withdraw cash from any ATM subject to the available balance in your account or the available overdraft limit sanctioned. ATM cash withdrawals are subject to fixed drawing limits and / or fixed number of transactions per day.
2. Balance Enquiry:
   You can check your account balances on the ATM. account.
3. Mini Statement:
   Requisition for a statement with a limited (latest) number of transactions of the ATM account when online.
4. Fund Transfer:
   If you have previously selected the funds transfer option for your account, you can transfer funds between your primary account to and your secondary account, subject to the available balance.
5. Deposit of cash or cheques:
   At select ATMs of Dhanlaxmi Bank, you can deposit cash or cheques into your primary bank account.

The Bank reserves the right to withdraw any or all of these facilities listed above without prior notice and without assigning any reason thereof. It also reserves the right to add any facility that it decides to provide from time to time.

To locate our nearest ATM please click here
 

 
For over eight decades, Dhanlaxmi Bank has welcomed customers, serving them with the best products the banking industry has to offer. Online Internet banking service is a convenient, fast and secure way of banking. With the help of Internet Banking, you can easily meet all your banking needs - right from balance enquiries to funds transfers and other financial services with just a few clicks!

Apart from the existing features, soon we will enhance this platform to enable you to shop online, make utility bill payments, book railway and air tickets, repay your Loan EMIs online and pay your Credit Card bills – all in a simple and secure online environment.

Account Information

• Check your account balance
• Details of your Accounts
• See your mini statement or detailed statement
• Download your statement in PDF or Excel sheet
• Details of Unclear Funds

Term Deposits

• Request for a new Term deposit
• Request for a new Term deposit under existing Term Deposit
• Inquire about your Term details
• Inquire about your TDS details

Loans

• See your loan statement
• Inquire about your loan details

Funds Transfer

• Transfer funds between your accounts
• Transfer funds to a third party within Bank
• Transfer funds to a third party to another Bank
• Other bank’s Credit Card payment via NEFT. Please click here to know more

Standing Instructions

• Create standing instructions
• Modify standing instructions
• View standing instructions
• Delete standing instructions

Online Request

• Stop a cheque
• Change Login and Transaction Password  

Online Enquiries

• Inquire about cheque status

 

Related Links

• Benefits & Features
• Our Helplines
• Eligibility
• How to apply for the Debit card
• Do’s & Dont’s with your Debit Card
• FAQs

Benefits & Features

• Internationally Valid for Cash Withdrawal & Purchases:
  You will now have online access to your account at over 300 Dhanlaxmi Bank ATMs and at about 50,000 VISA ATMs in India. You can also access your account at over a million Visa ATMs across the world. Your Dhanlaxmi Bank Debit Card can also be used at our partner network ATMs, viz. Cashnet, NFS and Cashtree. Look out for the following signs at the ATMs where you can use your Debit Card for Cash withdrawal or Balance Inquiry
  
• Zero Fuel Surcharge
  Your Dhanlaxmi Bank Debit Card is free of fuel surcharge of 2.5%! So you can fill fuel without having to worry about any additional surcharge being levied on your petrol transactions. Now, that’s one more reason to have a tank full of fuel.
• Unlimited Free Transactions at the ATMs
  You can now enjoy the freedom of unlimited free ATM transactions at all the other Bank ATMs including Visa and the member bank ATMs as mentioned above.
• Enhanced limits of withdrawals
  Based on the deposit product you choose, the Bank provides you with a withdrawal limit of up to Rs 100,000/- per day at ATMs and for purchase transactions respectively. When travelling overseas, the applicable withdrawal limit is converted in to the respective foreign exchange equivalent.
• Convenient option for your purchases:
  Shop at more than 425,000 outlets in India and 13 million+ establishments worldwide supported by Visa. The amount gets debited directly to your account in Rupees, irrespective of the currency you spend in, if you are overseas.
• Insurance
  Your Debit Card comes with protection against burglary, dacoity, etc. for cash withdrawn through any ATM. There is a *ZERO liability cover for fraudulent cash withdrawals/POS (Point Of Sale) ensuing a lost or stolen card. *conditions apply
• Validity
  Your Dhanlaxmi Bank Debit card comes with an extended validity of 5 years from the time it is issued.

Our Helplines

• In case you have any queries related to your Debit Card or you need to report the loss or theft of your Debit Card, you may call on the Customer Service number on : 1800-425-1747 or send an email to customercare@dhanbank.co.in
• Note: Although loss or theft may be reported by means of the call to the Customer Care, you must confirm the same in writing to the Bank branch as soon as possible.
  a) Provided you have in all respects complied with the terms and conditions, a replacement Debit Card may be issued at the sole discretion of the Dhanlaxmi Bank at the applicable fee.  
  b) Should you subsequently recover the Debit Card, it cannot be used. Please destroy the Debit Card by cutting it into several pieces through the magnetic strip.

Eligibility

• Individual account holders and sole proprietorship concerns are eligible for this facility.
  NRI: Holders of NRE savings and current accounts are also eligible for the Debit Card. A minor, or an account in which a minor is a joint account holder (joint operation), is not eligible for a Debit Card. Joint Accounts with joint operations are not eligible for a ATM/Debit Card since operations are Restricted to account holders with joint signatures. Debit Card will not be issued to other entities including partnership firms, companies, trusts, societies etc.

How to apply for the Debit Card

• New Customers If you do not have a banking relationship with Dhanlaxmi Bank, you will need to open a savings account with Dhanlaxmi Bank. Please visit our nearest branch to apply for savings account.
• Existing Customers If you already have an Dhanlaxmi Bank Account, download the Visa International Debit Card Application Form from the website.

Do’s & Dont’s with your Debit Card

The Do’s:

• Sign on the signature panel on your Debit card immediately upon receipt of your Card.
• Protect the magnetic strip on the reverse of the card from exposure to direct sunlight, magnets, and scratches, as it contains important information about your card.
• Keep a photocopy of the front & back of your card and quote your Debit card number to the Bank in all your communications.
• Keep your ATM PIN a secret to prevent any misuse of your Debit Card.
• In case your card is stolen/ misplaced, call the Dhanlaxmi Bank Customer Service number provided at the back of the card, to inform us about the same.
• Keep your charge slips safe, to tally them against your Billing Statement
• In case you need your Debit Card to be re-issued or terminated, please send in your request in writing to the Dhanlaxmi Bank branch where you have your account.
• Upon Debit Card expiry or closure of your account, please cut your Debit Card into several pieces through the magnetic strip to prevent any misuse.
• If your Debit Card is lost/stolen, or if you suspect that your Debit Card has been used fraudulently, call the Customer Service Number at 1800-425-1747, immediately to report the loss of your card.

The Don’ts:

• Never keep a copy of your PIN in your wallet and never write your PIN number on your Debit Card.
• Do not leave your Debit card unattended. The card can be misused easily.
• It should never be surrendered to anyone other than a designated Bank Officer at a Dhanlaxmi Bank branch and that too only after cutting it into several pieces through the magnetic strip
• Never reveal or surrender your personal identification number (PIN) to anyone. Please destroy all evidence of the PIN after memorizing it.
• Always ensure that the Debit card is used in your presence when transacting at merchant establishments. Never sign an incomplete sales slip
• Do not attempt to use your Debit card at merchant establishments that do not possess VISA Electron Point-of Sale swipe terminals
• Do not attempt to use your Debit card for making purchases via Telephone/mail or in any other 'card not present' situation.

Do not attempt to use your Debit card for Internet transactions at it is not supported presently.

Frequently Asked Questions (FAQs)

• What is a Debit Card?
  A Debit Card gives you online access to your bank account. The Dhanlaxmi Bank International Debit Card allows you to purchase goods at Merchant Establishments and also gives you the freedom to withdraw cash from ATMs in India and abroad.

• What is the difference between a Debit Card and a Credit Card?
  A Debit Card is a Buy Now, Pay Now card while a Credit Card is a Buy Now Pay Later card,
  Therefore, with a Debit Card you don’t have to pay at the end of each month and hence, no interest is charged. A Debit Card gives you all the conveniences of a Credit Card and helps you regulate your spending.
   
• What is the mode of payment for a Debit Card?
  There is no monthly outstanding in the case of a Debit Card. Your account will be instantly debited to the extent of purchases made or the amount withdrawn from ATMs on the Debit Card.
   
• What are the benefits of being a Debit Cardholder?
  The main benefit of being a Debit Cardholder is that you enjoy unparalleled access to your account wherever you want, wherever you go. Besides, you can control your finances since the balance in your account determines your spending limit.
   
• Where can I use my Debit Card?
  You can use your Dhanlaxmi Bank International Debit Card at All Dhanlaxmi Bank ATMs and all VISA/PLUS & other network (Cashtree, Cashnet, NFS) ATMs
   
• Is my Debit card activated automatically for doing a purchase transaction?
  Your Debit card needs to be activated for a Purchase transaction at a POS terminal by first doing a successful ATM transaction at any of the Dhanlaxmi Bank ATMs or partner network ATMs.
   
• What are the precautions to be taken while using an ATM?
  The following precautions are to be taken while using an ATM:
  • Be aware of your surroundings, particularly at night. If you observe or sense suspicious persons or circumstances do not use the machine at that time.
  • Be careful that no one can see you enter your PIN at the ATM. Use your body to shield the ATM keyboard as you enter your PIN.
  • Follow the instructions on the display screen
  • Keep your account information confidential; always take your receipts or transaction records with you.
  • Never force your card into the card slot.
  • Do not be in a hurry during the transaction and carefully secure your card and cash in your wallet, handbag or pocket before leaving the ATM.
  • Make sure you collect your card after the transaction, along with the receipts.
     
• How much can you withdraw from the ATM per day?
  The withdrawal limit per day from an ATM depends upon the deposit product chosen by you. Please get in touch with your branch for further details in this regard.
   
• What will happen if you enter the wrong PIN?
  If you enter the incorrect PIN number three times in succession your card will be ‘locked’. It will then be unlocked after 24 hours. Once your card has been unlocked you can use it by entering the correct PIN, if at this time you enter the wrong PIN it will blocked again for the whole day. You can try again next day with the correct PIN. You will not be able to use the card on POS till the time there is no successful transaction on ATM with your card
   
• What should you do if you forget your PIN?
  You are required to contact your branch with a written application so that they can raise a request for new PIN, which will be delivered to your communication address.
   
• What is the procedure, if the ATM retains your card?
  This may happen only in case of ATMs with motorized card readers and it will happen only due to some problem with the hardware, power related issues, exceeded wrong pin limit, lost card (if reported already and noted) and expired cards, etc. If your card is retained at any ATM, please contact the Customer Service Phone Banking unit on the toll free number 1800-425-1747 or contact your branch to hot list the card and submit the required details to collect the card/further procedures.
   
• How do you choose your PIN?
  It is very important to memorize your PIN .You should choose four numbers that are easy for you to remember but hard for someone else to figure out .You should always keep your PIN a secret.
   
• What you have to do if your ATM or Debit card is lost or stolen?
  Immediately contact the Customer Service Phone Banking unit on the toll free number 1800-425-1747 or notify your bank followed by a confirmation letter in writing. You will be required to fill in a fresh application form for a duplicate card.
   
• What you should do, if the transactions are not processed by the ATM?
  Please see the error message and contact the Customer Service Phone Banking unit on the toll free number 1800-425-1747 or make a note of the details in the complaint register provided at the ATM centre or visit nearest branch. Please note that oral complaints should be followed and confirmed by written and signed letters for validation. While making the compliant please give your name, card number, time of the transaction and error message. Incomplete complaints will not be processed.
   
• What you should do, when cash is not dispensed, but account is debited while doing cash transaction through ATM?
  Normally, the amount will be reversed automatically. Kindly verify your account, if not, contact the Customer Service Phone Banking unit on the toll free number 1800-425-1747 or contact your branch and submit a letter in writing with the Name, Card number, Account Number, amount of transaction, date and time of transaction and the name and place of the ATM through which the transaction was done for further immediate actions.

Please click here for the Debit Cards Terms & Conditions

 
The Dhanlaxmi Bank Ltd provides you with two mobile banking services, DHANAM SMS @MOBILE and DHANAM ALERT@MOBILE, by which you can access or receive banking information instantly. As a Dhanlaxmi Bank customer you will have to mention which service you wish to apply for in the application form when registering for mobile banking services, along with your mobile number and any other details that are required.

You can receive the help menu by sending an SMS or directly activate the service.

Dhanam SMS@MOBILE – mobile banking SMS pull services

Activation

You can activate the Dhanam SMS@mobile service from your personal mobile phone. (It should be the same mobile phone number that is given when you submit the application for registration). You are required to remember your customer ID as you will need this when sending any SMS for any enquiry. Once your Mobile Banking SMS Pull Service is activated, you can ask for any of the following listed below by sending a message to 56161 with the code specific to the enquiry and your customer ID stated in the message.

• Account Balance Enquiry
• Last 5 Transaction Details
• Fixed Deposit A/c Details Request
• Transaction Statement Request
• Change Primary Account
• Cheque Book Request
• Cheque Status Request
• Stop Cheque Request
  

To request for the help menu:
 
Type DLBHLP in a new message.Send this to 56161. You will receive the following message:

• To activate SMS DLBREG CID(Customer ID)
• For Balance SMS DLBBAL CID(Customer ID)
• For Last 5 transactions SMS DLBTXN CID(Customer ID)
• For Transaction Statement Request DLBSMR CID(Customer ID)
• To Change Default Account DLBCPA CID(Customer ID) ACCOUNTNO
• For Cheque Book Request DLBCBR CID(Customer ID)
• For Cheque Status Request DLBCSR CID(Customer ID) CHQNO
• For Stop Cheque Request DLBSCR CID(Customer ID) CHQNO
• For Help Menu DLBHLP

To activate the mobile banking SMS Pull Service:

• Type DLBREG followed by your Customer Id (Eg: DLBREG 012345) in a new message (You should contact your branch to get your Customer Id)
• Send the message to 56161
• You will receive an acknowledgement when the activation is successful.

To Access account information:

1. BALANCE ENQUIRY

• Type DLBBAL followed by your Customer ID in a new message (Eg. DLBBAL 012345)
• Send to 56161
• You will receive a message stating your current account balance.
   

2. MINI TRANSACTION DETAILS

• Type DLBTXN followed by your Customer ID in a new message (Eg. DLBTXN 012345)
• Send to 56161
• You will receive a message stating your last 5 Credit / Debit Transaction.
   

3. FIXED DEPOSIT A/C DETAILS REQUEST

• Type DLBFDR followed by your Customer ID in a new message (Eg. DLBFDR 012345)
• Send to 56161
• You will receive a message stating your Fixed Deposit Account details. 
   

4. TRANSACTION STATEMENT REQUEST

• Type DLBSMR followed by your Customer ID in a new message (Eg. DLBSMR 012345)
• Send to 56161
• You will receive a message stating “Your request has been submitted and you will receive a Transaction Statement within Seven Days.”
   

5. TO CHANGE YOUR DEFAULT / PRIMARY ACCOUNT FOR MOBILE BANKING

• Type DLBCPA followed by your Customer ID and your Account No. (Eg. DLBCPA 012345 0001001000000001). Enter the a/c. no to be changed to the Primary a/c.
• Send to 56161
• You will receive a message: “Your account has been successfully changed.”
   

6. SEND REQUEST FOR CHEQUE BOOK

• Type DLBCBR followed by your Customer Id and your Account No. (Eg. DLBCBR 012345 0001001000000001). Enter the a/c. no for which the Chq. Book to be issued. 
• Send to 56161
• You will receive a message stating “Your request has been submitted and you will receive a Cheque Book within Seven Days.”

 7. SEND REQUEST FOR CHEQUE STATUS

• Type DLBCSR followed by your Customer Id and your Cheque No. (Eg. DLBCSR 012345 000000011111)
• Send to 56161
• You will receive a message stating your cheque status (paid or unpaid )

 8. SEND REQUEST FOR STOP CHEQUE

• Type DLBSCR followed by your Customer Id and Cheque No. (Eg. DLBSCR 012345 000000011111)
• Send to 56161
• You will receive a message stating “Your stop cheque request has been executed.”

Dhanam ALERT@MOBILE - mobile banking alert services

Credit alert

• Credit transaction details will be sent to your mobile phone whenever any credit transaction has been made you.
• Additional parameters can be set for credit alerts, if any credits more than the mentioned amount are made. (the minimum transaction value for which alerts will be received is fixed at Rs.2,000).

The message format is as follows:

For example, if an amount of Rs. 25,000 has been credited to your account on 14 September 2007 the SMS you receive will read as -. Dhanlaxmi bank- inr 25000.00 has been credited to your a/c 0001001000000001 on 14-sep-07 with the narration "payout from: 0001001000000002”. Available balance inr xxxxx.xx.

Debit alert

• Debit transaction details will be sent to your mobile phone whenever any debit transaction has been made by you.
• Additional parameters can be set for debit alerts, if any debits more than the mentioned amount are made (the minimum transaction value of alerts is fixed at Rs.2,000).
• The message format is as follows:

For example, if an amount of Rs. 2,000 has been debited to your account on 14 September 2007 the SMS you receive will read as - Dhanlaxmi bank- inr 2000.00 has been debited to your a/c 0001001000000001 on 14-sep-07 with the narration "amt trf jose / tsr". Available balance inr xxxxx.xx.

SMS alerts for transactions made will be sent at intervals of 15 minutes and each alert will mention the available balance in the account. If multiple transactions have been made from the account within the 15 minute interval then the SMS alerts for all transactions will be received at the end of the 15 minute interval. However, the balance amount in the account, mentioned in all the SMS alerts, will be as at the end of the 15 minute interval.

For example: if a transaction is made at 3 pm, then the alert for that transaction stating the available balance will be received at 3.15 pm. Even if multiple transactions have been made between 3 pm and 3:15pm, the alerts for each transaction will be received at 3.15 pm stating the available balance as at 3.15 pm for each SMS.

 

 

Money Transfers can be facilitated through Real Time Gross Settlement (RTGS) or National Electronic Fund Transfer (NEFT) anywhere in India, in any bank and any bank branch provided the branch has an Interbank Financial Service Code.
The IFSC numbers of those designated bank branches are listed in the IFSC directory of IDRBT (established by RBI) website www.idrbt.com or individual websites of respective banks.

To view the Customer Facilitation Centres for NEFT please click here

Real Time Gross Settlement (RTGS)

Real Time Gross Transfer is used for transactions above Rs. 1 lakh anywhere within India. It is a very secure transfer service and the settlement of the transaction is done immediately when the transaction has been executed.

• RTGS is an electronic payment system, which provides online settlement of payments between financial institutions. Payment instructions between banks are processed and settled individually and continuously throughout the day. Dhanlaxmi Bank customers can make payments to the beneficiary’s a/c in another bank and vice-a-versa.
• Payee banks and their customers receive funds at any time immediately when the transaction has been executed so they are not exposed to any risk. It is a highly secured system using PKI and includes signing and encryption.
• All Dhanlaxmi Bank branches are RTGS enabled.  Our customers can avail of RTGS services to transfer funds to accounts of other banks, provided those bank branches are also RTGS enabled.

Fund Transfer Amount
The minimum amount for RTGS transactions is Rs. 1 Lakh.

Charges

RTGS Payments:

• For transaction between Rs 1 lakh and Rs 5 lakhs - Rs.25 per transaction plus service tax
• For transactions above Rs 5 lakhs - Rs.50 per transaction plus service tax

RTGS Receipts: 
Nil

Operational Timings

Weekdays (Monday - Friday):
9.00 a.m. to 4.30 p.m.

Saturday:
9.00 a.m. to 1.30 p.m.

Contact:
For RTGS complaints : rtgs@dhanbank.co.in
Toll-free number: 1800-425-1747 (from BSNL/MTNL Only - Land and Mobile)

National Electronic Funds Transfer (NEFT)

National Electronic Funds Transfer can only be used for transactions up to Rs. 1 lakh, anywhere within India. This enables the transfer of funds easily and quickly. They can be done fairly economically and are very reliable. NEFT settlements are done at particular time slots each day, which have been determined by the RBI. The settlements of transactions will only happen during these time slots.

• The National Electronic Funds Transfer (NEFT) system is an electronic funds transfer system introduced by Reserve Bank of India to help banks transfer funds electronically from one customer account of a NEFT participant bank branch to another customer account of any other NEFT participant bank branch in India.
• The NEFT system is done in pre-determined time slots. Currently there are six time slots daily for NEFT settlements. They are 9.00 AM, 11.00 AM, 12 NOON, 1.00 PM, 3.00 PM and 5.00 PM.
• Dhanlaxmi Bank has started live NEFT operations with all CBS branches that can perform NEFT operations. The customers of all Dhanlaxmi Bank branches can avail of NEFT services to transfer funds to accounts of other banks; provided those bank branches are also NEFT enabled.
• NEFT is available for walk-in customers up to Rs.50,000.

Fund Transfer Amount

• For all transaction up to Rs. 1 Lakh.

Charges

NEFT Payments:
Up to Rs 1 lakh - Rs 5 per transaction plus service tax
Rs 1 lakh and above - Rs 25/- per transaction plus service tax

RTGS Receipts : 
Nil

 Operational Timings

Weekdays (Monday - Friday):
9.00 a.m. to 5 p.m.

Saturday:
9.00 a.m. to 12.00 p.m.

Bank customers who intend to be the remitters of funds for credit of beneficiary accounts of any other bank shall have to provide the details as mentioned below:

• Name of the beneficiary bank
• Name of the branch* designated for fund transfer under RTGS/NEFT
• The Inter Bank Financial Service Code of the beneficiary bank’s branch
• The type of account of the beneficiary
• The account number of beneficiary to be given in 16 Digits
• The name of the beneficiary

The remitter (customer) shall furnish the above details in the 'Money Transfer Application Form’ duly signed to avoid repudiation later. The application shall be submitted along with his/her cheque for the amount to be transferred, plus bank commission. The remitter shall be responsible for the accuracy of the particulars given in the Money Transfer Application Form.
*The bank branches for fund transfer shall be designated and listed in the RBI site, provided with the IFSC. Since National Electronic Fund Transfer is affected through Structured Financial Messaging Services, branches need not be under the core banking stream or automated, but shall be facilitated or designated for money transfer.

Contact:

• For NEFT complaints : neft@dhanbank.co.in
• Toll-free number: 1800-425-1747 (from BSNL/MTNL Only - Land and Mobile)

* All Applications with regard to "ELECTRONIC FUND TRANSFER" (RTGS/NEFT) should be registered well before the stipulated time so as to enable the branches to complete the transactions in time.