Internet Banking

Personal | Corporate

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  • ATM
  • Retail NetBanking
  • Corporate NetBanking
  • Mobile Banking
  • UPI
  • Phone Banking
  • SMS Banking
  • Debit Cards
  • PoS

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!

New Password Delivery Features

  • (OGP) Online Generation Passwords (Login and Transaction).
  • Insta Passwords @ Branch.

New Security Features

  • (OTP) One Time Password via SMS.
  • Secure Image Verification.
  • Secure Message Verification.

Widgets (One View of all accounts)

  • Savings and Current Accounts Balances.
  • Term Deposits Balances (Recurring and Fixed).
  • Credit Card Outstanding Balances.
  • Loan Outstanding Balances.
  • Pending Bills Summary.
  • Alerts / Messages in Inbox.

Account Information

  • Savings and Current Account Summary.
  • Recurring Deposits Summary.
  • 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.
  • Auto Renewal of Term deposit.
  • Term Deposit payout Instruction Modification.
  • Request for closure of Term Deposit.
  • Request for a new Recurring Deposit.
  • Request for closure of Recurring Deposit.


  • See your loan statement.
  • Inquire about your loan details.
  • Repayment of Loans.

Funds Transfer

  • Transfer funds between your own accounts.
  • Transfer funds to a third party account within Bank.
  • Fund transfer via IMPS to other bank account 24/7. Please click here to know more.
  • Transfer funds via NEFT / RTGS to other Bank account.
  • Transfer funds using Standing Instruction (Own, Within Bank and Other Bank).
  • Transfer funds using schedule later to a specific date (Own, Within Bank and Other Bank).
  • Other bank’s Credit Card payment via NEFT. Please click here to know more.
  • Payment Receipt Confirmation in PDF format.

Bill Payment / InstaPay via Bank website

  • Utility Bill Payments.
  • Insurance Payments.
  • Mobile Recharge.
  • DTH Recharge.
  • Donation.
  • Subscriptions.

Online Shopping via Payment Gateway from Merchant website

  • Air Ticket Booking.
  • Rail Ticket Booking.
  • Movie Ticket Booking.
  • Credit Card Bill Payment.
  • EMI Payment.
  • Insurance Payment.
  • Mobile Recharge.
  • DTH Recharge.
  • TOLL Recharge.
  • Renewal of Antivirus Software.
  • Donation.
  • Subscriptions.


  • Forex Rates.
  • Interest Rates.

Online Request

  • Stop Cheque Request.
  • Cheque Book Request.
  • Cheque Status Inquiry.
  • Change Login and Transaction Password.
  • ATM/Debit Card Hot-listing / Blocking.
  • ATM/Debit Card Reissue.
  • ATM/Debit Card PIN.
  • Service Request Status.

Please click here to view FAQs

Bank alerts the customer of all the financial and non-financial (Payee Addition, Biller Registration, Deposit Opening etc) transactions by way of SMS and Email.

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!

Account Information

  • View Account Balance
  • View Detailed Statement
  • View mini Statement
  • View Account Details
  • Download account statement in PDF,CSV,Excel file format

Funds Transfer

  • Transfer funds between your own accounts
  • Transfer funds to a third party within Bank
  • Transfer funds to a third party to another Bank(RTGS/NEFT)

Salary Upload

  • Screen Upload
  • File Upload

Bulk Upload

  • File upload- NEFT/RTGS

Online Request

  • Change Login and Transaction Password  
  • Change Image

Cheque Related Requests

  • Cheque Status Inquiry
  • Cheque Book Request
  • Stop Cheque Request

Trade Finance

Trade Finance module allows you to create, view, edit and print LC application, LC amendment application, BG application and BG amendment application. It also allows you to track the various outstanding TF documents and download the TF document statement in excel format.

My Mail

  • Inbox
  • Outbox
  • Compose

Please click here to view FAQs

Bank alerts the customer of all the financial and non-financial (Payee Addition, Biller Registration, Deposit Opening etc) transactions by way of SMS and Email.

Dhanlaxmi Bank welcomes you to the world of mobile banking. DhanSmart app is available on App Store & Google Play Store for iOS, Android phone/tablets respectively.

Dhanlaxmi Bank Mobile Banking enables you to access your Dhanlaxmi Bank accounts on your mobile phone. With Mobile Banking, you can conduct financial and non financial transactions securely. From making fund transfers to checking your account information, Mobile Banking allows you to do banking from anywhere at any time.


The following features are enabled on Dhanlaxmi Bank Mobile Banking:

  • View account balance (Savings, Current, Deposits and Loans)
  • Mini statement - Last ten transactions
  • DLB Credit Card – View Details
  • Funds transfer:
    • Own account fund transfer
    • Third party funds transfer within Dhanlaxmi Bank
    • Third party funds transfer to other bank account (NEFT)
    • IMPS – Immediate Payment Service (P2P – Person To Person & P2A – Person to Account)
    • DLB Credit Card – Payment
    • Loan Repayments
    • Funds transfer with Standing Instruction
    • Pay Later – Facility to schedule one-time payment for a specific date.
    • Transfer History & Review
  • Recharges
    • Mobile Prepaid Recharge
    • DTH Prepaid Recharge
    • Datacard Recharge
  • Requests:
    • Cheque book requests
    • Stop cheque requests
    • Cheque status inquiry
    • ATM Card – Hotlist / Blocking
    • ATM Card – Reissuance Card
    • ATM Card – Reissuance ATM Card Pin
  • Limits (Including all financial transaction via mobile)
    • Transaction Limit: INR 2 Lakhs (for each transaction type)
    • Daily Limit: INR 2 Lakhs (for each transaction type)
  • Security:
    • CAPTCHA – CAPTCHA (‘Completely Automated Public Turing test to tell Computers and Humans Apart’)
      after 2 consecutive login failures.


    The Mobile Banking facility is currently available only to Retail Banking customers having Savings Account (Individual) or/and Current Account (Individual) With ATM/Debit Card.

    The following retail customers (Individual) with below mode of operations can use the Mobile Banking facility.

    • Single (Sole owner)
    • Joint (Either or Survivor)
    • Joint (Anyone or Survivor)

    This facility is not available for the following customers:

    • Non-ATM/Debit Card holders (Individual Customers)
    • Non-Individual Customers
    • Minor Account Holders
    • JAO (Joint And Others) and JAF (Joint And First) joint account type holders

    Fund Transfer transaction is allowed only in INR currency. Cross Currency transactions are not allowed.

    Registration, Application Download and Login:

    Registration Process:

      The Mobile Banking view access facility is allowed for all eligible retail customers without any registration.

      The customers can download our Android & iOS App from respective App Stores. To Activate the App, click on the 'Create MPIN' button in the Login Screen and provide the Debit card details and other credentials.

    Login and Transaction:

      You can avail transaction facility online after activating Mobile Banking Application.

    The application shall have enhanced security features; a few of them are given below:

    • Secured login in the application using MPIN (Mobile Banking PIN) & TPIN (Transaction PIN) along with the Customer ID.
    • 2nd factor of authentication (One Time Password).
    • CAPTCHA - Enabled after 2 consecutive login failures for secure login.

    Other Mobile Banking Related Request:

    • Mobile Number change can be requested through physical form by visiting the nearest Dhanlaxmi Bank branch.
    • Customer can contact the call centre or write to customer care through registered email id or visit the nearest Dhanlaxmi Bank branch for Blocking / De-Activating the mobile service.
    • Re-Activation can be done by entering the Cust ID, Date of birth,Last 6 digits of Mobile Number, ATM PIN and Mobile Number in Re-Activation (Forgot MPIN) option in the application.
    • Un-Blocking will be done via request from the customer from his/her registered email id or physical form submission at the branch. Then the customer needs to use Re-Activation (Forgot MPIN) option of the application to re-activate his mobile banking access.
    • De-Registration will be done based on physical application form submitted at the Branch.


    Immediate Payment Service (IMPS) enables you to instantly transfer funds online safely from your bank account to accounts maintained with other banks participating in IMPS. This service is available 24x7, even on Sundays and any Bank holidays through Mobile Banking. All you need is a Valid MMID (for mobile banking). This service is brought to you by the National Payments Corporation of India (NPCI) in collaboration with member banks.


    1. Instant interbank fund transfers
    2. Transact 24 X 7
    3. Simple and easy to use
    4. Time and cost saving
    5. Safe, secure and state-of-art technology
    6. Immediate confirmation to sender and receiver via SMS & Email

    Mobile Banking FAQs

    Bank alerts the customer of all the financial and non-financial (Payee Addition, Biller Registration, Deposit Opening etc) transactions by way of SMS and Email.

BHIM DLB UPI (Unified Payments Interface ) App, an easy to use app with which you can link any bank account to send or receive payments instantly and securely, with just your name and Virtual Payment Address (VPA). Be it the fees for your child’s tuition, payment to a wedding decorator or to that contractor who needs to be paid for your house renovation, the BHIM DLB UPI App ensures that life must go on.

It allows all account holders to send and receive money using their Smartphone’s with a single identifier – virtual payments address (VPA) / UPI ID without entering any bank account information. Therefore, customers do not need to remember the payee's or payer’s IFS code, bank account details, etc. and this makes the process simpler.

Get started:

  1. Download BHIM DLB UPI App from Google PlayStore.
  2. Select your Bank and Bank account from Manage Account.
  3. Create a Virtual Payment Address ( VPA)/ UPI ID (example – name@dlb or mobno@dlb)
  4. Link your Bank account to UPI ID & set your UPI PIN.
  5. Add Beneficiary
  6. Send & receive secure payments instantly.


Managing your finances has never been this easier before. Introducing Dhanlaxmi Bank 24 x 7 Phone Banking services, which is, convenient, secure and offers various banking services. Enjoy the convenience of modern day banking by using your phone to access a comprehensive suite of financial services, wherever you are, whenever you like. No more queues.

+91 044 42413000

No registration required

Obtain account information
  • Balances of CASA, fixed deposit and loan accounts
  • Previous transaction details
  • Obtain fixed deposit interest rates
  • Enquire on your existing fixed deposit account
  • Track issued cheques
  • Information on various accounts and services
You can also
  • Get assistance on online banking and mobile banking.
  • Report loss of card
  • Resolve debit card & credit card issues
  • Register complaints
  • Get assistance on NEFT & RTGS
Not a customer? you can still
  • Enquire about fixed deposit interest rates
  • Get directions on branches or ATM locations. Get general account information, etc.
  • Talk to our dedicated Customer Service Representatives
Secure and confidential

We value & assure the privacy of your account. Your call may be recorded for training and quality purposes, customer identification is mandatory to retrieve information from your account.

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).

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:

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.

Dhanam SMS@MOBILE – SMS Pull Services

You can use Dhanam SMS pull services from your mobile phone by sending SMS to 5676751 (It should be the registered mobile number with the bank).

You can give request for any of the following details listed below by sending a message to 5676751 with the code specific to the enquiry.

Credit Card
SMS to 5676751 CC

Car Loan
SMS to 5676751 CL

Commercial Property Loans
SMS to 5676751 CP

Fixed Deposits
SMS to 5676751 FD

SMS to 5676751 FOREX

SMS to 5676751 GIFT

SMS to 5676751 GOLD

SMS to 5676751 HL

NRE Deposits
SMS to 5676751 NRE

SMS to 5676751 OFFER

SME Banking
SMS to 5676751 SME

SMS to 5676751 MMID (Customer ID) (For Eg. SMS MMID 123456 where 123456 is Customer ID)

MMID Cancel
SMS to 5676751 MMIDCANCEL (Customer ID) (For Eg. SMS MMIDCANCEL 123456 where 123456 is Customer ID)

To get ATM Location Address using Pincode:
SMS to 5676751 ATM PINCODE (For Eg. SMS ATM 680004 where 680004 is Pincode of Thrissur main branch ATM location which you want to search)

To get BRANCH Location Address using Pincode:
SMS to 5676751 BRANCH PINCODE (For Eg. SMS BRANCH 680004 where 680004 is Pincode of Thrissur main Branch location which you want to search)


Related Links

Dhanlaxmi Bank International Visa Debit Card provides you access to your deposits on a 24x7 basis. You can now use your Debit Card at Merchant Establishments to shop for your groceries, dining, travel and much more. But that’s not all! Your Debit Card also doubles up as an ATM card, which you can use at any Visa ATM across India and overseas! Keep watching this space as we work towards adding features & benefits to your debit card which suit your lifestyle and makes your banking transactions completely hassle free and convenient.

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
  • 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 : +91 044 42413000 or send an email to
  • 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.


  • 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.

Dos & Don'ts with your Debit Card

The Dos:
  • 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 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 080-67213000, 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 080-67213000 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 080-67213000 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 080-67213000 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 +91 044 42413000 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.


  • What is Green PIN
    Green PIN is introduced as a replacement for Physical Paper PIN mailers as Go Green Initiative. 

  • Who can generate ATM PIN /Green PIN
    Green PIN can be generated by existing as well as new debit card holders

  • Can Green PIN generated for new cards instantly?
    Yes, customers can generate /set ATM PIN for new debit cards instantly on receipt of the debit cards

  • I am a NRI customer and is in receipt of new card. Can I generate ATM PIN/Green PIN online
    Yes, ATM PIN/Green PIN can be generated online and the OTP will be sent to the mobile number registered with Bank.

  • Do not remember the existing ATM/Debit Card PIN
    Customers can make use of the Green PIN option to generate/ set ATM PIN in case the existing ATM PIN is forgotten

  • How ATM PIN /Green PIN can be set/ reset for Debit Cards
    ATM PIN / Green PIN can be generated from any of Dhanlaxmi Bank ATMs or Banks’ website online.

  • What details are mandatory to generate ATM PIN/ Green PIN online from bank’s website
    Customer ID, Date of Birth, Account Number, Mobile Number registered with Bank, Last 6 digits & expiry of the Debit Card.

  • How to generate ATM PIN / Green PIN online
    Step 1: visit
    Step 2: Select Generate ATM PIN /Green PIN below the ‘Bill Payments’ option.
    Step 3: Enter the Customer ID, Date of Birth, Account Number and Mobile Number.
    Step 4: Click on ‘Verify User’.
    Step 5: Enter the last 6 digits & Expiry of the Debit Card and click on ‘Verify’.
    Step 6: Enter the ‘New PIN’ & ‘Confirm PIN’ and click on ‘Submit’.
    Step 7: Enter the OTP received on registered mobile and click on ‘Submit’.

  • I am a NRI customer. Will OTP be sent to my mobile number held overseas?
    Yes, OTP will be delivered to overseas mobile number provided it is the same mobile number registered with Bank or available with Bank’s record.

  • How to generate ATM PIN /Green PIN at Dhanlaxmi Bank ATMs
    Click here

  • After entering the customer ID and other credentials for ‘Verify User’ , received the message ‘Entered details are not matching with bank's data’.
    Any of the credentials Date of Birth or Account Number or Mobile number entered may not be correct or does not match with Bank’s record. Please re-check the credentials entered or contact your nearest branch for data verification.

  • Received the message ‘Entered details are not matching with bank’s data. Please verify the details again or contact bank’. How many times I can attempt for ATM PIN/Green PIN in a day
    4 times in a day if the credentials entered do not match with Bank’s record else there is no restriction to set/reset ATM PIN/ Green PIN online.

  • How to confirm whether ATM PIN / Green PIN is set successfully
    Confirmation message will be displayed on the screen as well as sent to the registered mobile number for both successful and failed attempts

  • Entered the wrong PIN and Exceeded PIN re-try attempts. Can I generate ATM PIN/Green PIN online?
    No, ATM PIN /Green PIN cannot be generated online on the same day of Exceeded PIN re-try attempts. Try online ATM PIN/ Green PIN next day or visit Dhanlaxmi Bank ATMs for immediate ATM PIN/Green PIN generation.

  • I tried generating ATM PIN/ Green PIN online and received the message ‘Blocked card’
    Either your card has exceeded PIN re-try or card is de-activated. Try online ATM PIN/ Green PIN next day or visit Dhanlaxmi Bank ATMs for immediate ATM PIN/Green PIN generation.

  • Will my debit card be activated by generating ATM PIN /Green PIN
    Yes, your debit card will be activated by generating ATM PIN / Green PIN from any of the channels (ATM / Online)

  • I have a debit card starting with ‘607472’.Can I generate ATM PIN/Green PIN
    No debit cards starting with ‘607472’ cannot generate ATM PIN/ Green PIN .Please visit your nearest Dhanlaxmi Bank branches for Insta PIN linked to your debit card starting with ‘607472’

  • Which are the debit cards I can generate ATM PIN / Green PIN via ATM/Online
    Debit cards starting with ‘471296’,’406599’ and ‘607471’ can generate ATM PIN/Green PIN via ATM/Online.

  • What happens if I have entered incorrect OTP 3 times?
    For security purpose, your current session gets closed. You have to re-initiate the process

  • I am not getting OTP (One Time Password) on my mobile. Please let us know what to do?
    Please call our customer care on +91 044 42413000 or send an email to
    If your mobile number is not registered or there is a need to update, then you need to visit the branch to update your mobile number.

Please click here for the Debit Cards Terms & Conditions

What is a PoS (Point of Sale)?

PoS or EDC (Electronic Data Capturing) Machine as it is popularly known is a technological instrument provided to a Merchant Establishment (ME) to carry out the sale of goods or services to customers in a cashless environment. All the customer has to do is swipe his/her Debit, Credit or Prepaid Card.


  • Apart from increased sales, the merchants can avoid the risk of handling soiled/counterfeit notes.
  • The response time for billing can be reduced.
  • The risk of fake currency is totally eliminated.
  • Credit risk can be minimised as the machines will instantly debit the customer account.


  • Debit/Credit Card Purchases on one simple and user friendly platform.
  • Gain access to All the VISA/MASTER Debit / Credit/Prepaid Cards.
  • Equipped with PIN security for Debit Card transactions.
  • Both GPRS and PSTN enabled Terminals. (GPRS - General Packet Radio Service - Enables mobile - SIM card based processing of transactions. PSTN- Public Switched Telephone Network- works on ordinary telephone line)
  • Detailed report to Merchants.
  • Toll-Free Number for Machine Support
  • No more handling cash.


  • The merchant should have a current account with our bank with a satisfactory account operation, at least 6 months either with us or other Banks.
  • The merchant should be in retail/over the counter trade and shall not be in the negative list of Visa/Master card for malpractices.
  • The proposed turnover of the merchant through cards should be over Rs.1 Lakh / month.
  • The merchant shall have a fixed landline/ ready to acquire a GPRS (Mobile) connection

Our Help lines

  • In case you have any queries related to your POS or you need Print roll, you may call on the Customer Service number on : 080-67213000 or send an email to

Please contact the nearest branch for further details.

To locate our nearest Branch details please click here


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 Indian Financial System Code(IFSC) and is enabled for the RTGS/NEFT.

Customer Facilitation Centre (CFC) for NEFT and RTGS customer transactions

Contact Details

Dhanlaxmi Bank,
DLB Bhavan, Punkunnam,
Thrissur 680 002.
Phone: 0487 - 6627046, 6627084
email: /

Please note
: Click here for the directory of the Customer Facilitation Centres(CFC) of member banks for redressal of your RTGS/NEFT related complaints.

Real Time Gross Settlement (RTGS)

Real Time Gross Transfer is used for customer transactions for Rs. 2 laks and above 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 [RTGS Window]. 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. 2 Lakh.


RTGS Payments:

  • For transaction between Rs 2 lakhs 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: 

Timings for RTGS Through Branch Through Net Banking
Monday to Saturday During business hours 24x7 Including Holidays

Timings for acceptance of customer requests for processing RTGS / NEFT transactions may vary depending on the branch timings. Please get in touch with the branch for the timings. These are also displayed at the respective branches

For RTGS complaints :
Call : +91 044 42413000

National Electronic Funds Transfer (NEFT)

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 there are 48 batches through with the transactions messages are transmitted and settled between banks. The First NEFT Batch time is at 00.00 AM and last at 12.00 PM for week days.(Except 2nd and 4th Saturdays , Sundays and Declared Public Holidays)
  • 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

  • There is no restriction for amount.


NEFT Payments:
Up to Rs 10000 - Rs 2.50 per transaction plus service tax
Above Rs 10000 and upto Rs.1 Lakh - Rs 5 per transaction plus service tax
Above Rs. 1 lakh and upto Rs. 2 Lakhs - Rs 15/- per transaction plus service tax
Above 2 Lakhs: Rs. 25/- per transaction. plus service tax

NEFT Receipts : 

Timings for NEFT Through Branch Through Net Banking
Monday to Saturday During business hours 24x7 Including Holidays

Timings for acceptance of customer requests for processing RTGS / NEFT transactions may vary depending on the branch timings. Please get in touch with the branch for the timings. These are also displayed at the respective branches

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 IFSC of the beneficiary bank’s branch
  • The type of account of the beneficiary
  • The account number of beneficiary
  • The name of the beneficiary

The remitter (customer) shall furnish the above details in the ‘ Prescribed Form’ duly signed to avoid repudiation later. The application shall be submitted along with his/her cheque/debit instruction for the amount to be transferred, plus the bank commission. The remitter shall be responsible for the accuracy of the particulars given in the Form.

. *The bank branches for fund transfer shall be designated and listed in the RBI site, provided with the IFSC Code..


  • For NEFT complaints :
  • Call : +91 044 42413000

* 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.


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