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Savings Account : Personal Banking - Dhanlaxmi Bank

Notice to the Maxigain customers w.e.f January 14, 2013

Click here for Product Change Notice w.e.f July 1, 2011


Dhanam Genius

Dhanlaxmi Bank's "Dhanam Genius Savings Account" is exclusively designed for kids/students aged 10 years to 23 years. We are sure that this product is the new guide for building habit of thrift in future buds like you in focus.

AMB# - Rs. 500
   
  • Average Monthly Balance required to maintain (AMB) Rs.500/-
  • Auto sweep-in / Sweep-out facility - A unique benefit which maximises your returns while offering you liquidity at the same time! Weekly balance in your Dhanam Genius account, above Rs. 5000/- are automatically sweep into fixed deposit in multiples of Rs. 1000/- for a tenure of 30 days. What's more, this amount always available to you and conveniently sweep back into you account at any time.
  • ATM card with Personalized Photo facility: Account holder can make photo of his/ her choice as Debit card back ground. (one time charges applicable)
  • Free 2 RTGS/NEFT (Through branch)
  • Free Demand Draft facility*
  • Rupay Classic Debit Card with ATM withdrawal limit of Rs.5000/-
  • Daily PoS limit of Rs.5000/

*(Amount Limits apply)
  • kids/students aged 10 years to 23 years
 
 

Dhanam Yuvak

Dhanlaxmi Bank’s Dhanam Yuvak Savings Account is exclusively designed for youth aged 18 years to 35 years. We are sure that this product is the new entry to your bright future. This “Dhanam Yuvak Saving Account” is packed with all the features you need to ensure a superior banking experience.

AMB# - Rs. 1,000
   
  • Average Monthly Balance required to maintain (AMB) - Rs.1000.00
  • Visa Classic International Debit Card with Personalized Photo ( One time charge of Rs.200 applicable).
  • Anywhere Banking - You can walk into any branch across the country for all your banking needs.
  • Free Internet Banking & Mobile Banking
  • Free Demand Draft facility*
  • ATM withdrawal limit per Day - Rs. 30,000/-
  • POS Limit per Day - Rs. 50,000/-
  • Free NEFT (Internet Banking), RTGS (Internet Banking),
  • Free Personalised Cheque book - 20 Cheque leaf free per year
  • SMS Banking facility
  • Number of Free ATM Withdrawal – 5 Txns( in Non Metro)/3 Txns (in Metro locations) Free per Month
  • Free monthly email statement and email alerts

*(Amount Limits apply)
  • (Major) Above 18 years to 35 years
 

Dhanam Preferred

Dhanam Preferred savings account enhances your banking experience through online banking, access to vast network of ATMs, merchant outlets and many more.

AMB# - Rs. 5,000
   
  • Visa Classic International Debit Card with Withdrawal limit of Rs. 50000/ Day
  • POS limit of Rs.75000/Day
  • Free 2 NEFT and 2 RTGS per month (Through Branch)
  • Free Net Banking & Mobile Banking facility
  • Free NEFT and RTGS through Net banking
  • Free Personalised Cheque book (20 leaves) per year
  • Free unlimited cash deposit at Home branch
  • Free cash deposit/withdrawal at non base branch up to 100000/Day
  • Free Demand Draft facility*
  • SMS Banking facility
  • Free monthly email statement and email alerts

*(Amount Limits apply)
  • The account can be opened by individuals, trusts, societies, clubs or associations, and can even be opened in the name of a minor.
 
 

Dhanam + and ++ Savings Account

Dhanam+ & ++, combines the benefits of a term deposit with the flexibility and convenience of a savings bank account.

AMB# - Rs. 5,000
   
  • Flexible term deposits with interest reduction on premature closure
  • Minimum deposit of Rs. 5,000 with subsequent multiples of Rs. 1,000
  • Free cheque book with a savings bank account or a certificate of deposit account
  • Interest on eligible units paid on due date at prevailing term deposit rates of 46/91 days as per Income Tax Act provisions
  • Rs. 500 minimum remittance amount from the fixed deposit; amounts in excess rounded off to the nearest Rs. 100
  • Rs. 500 minimum withdrawal by cheque only; amounts in excess rounded off to the nearest Rs. 100
  • No interest paid if deposit is closed within 15 days from the initial investment
  • The account can be opened by individuals.
 
 

Dhanam Basic Savings Bank Deposit

The Basic Savings Account is a zero-balance, no-frills account that simplifies banking for people seeking basic deposit and withdrawal facility.

AMB#- Nil
   
  • Free cash withdrawal from any other banks’ ATM
  • Debit card facility is available
  • Free Anywhere Banking - unlimited non-cash transactions
  • 5 Cash transactions free per month
  • Average Monthly Balance – Nil
  • The account can be opened by individuals, singly or jointly and also can be opened in the name of a minor. However, this is not open to NRIs.

Dhanam Basic Savings Bank Deposit Account - Small

Basic Savings Bank Deposit Account – Small is a normal banking service available to all. It is a zero-balance account that simplifies banking for people seeking basic deposit and withdrawal facility.

AMB# - Nil
   
  • No minimum balance requirement
  • Account can be opened on the basis of simplified KYC norms
  • No Maintenance charges
  • Debit card facility is available
  • Individuals only
  • Minors jointly with guardian following the usual precautions
  • The account can not be opened by HUF’s , Association, and Trust etc.
  • The aggregate of all credits in financial year should not exceed rupees one lakh
  • The aggregate of all withdrawals and transfers in a month should not exceed rupees ten thousand
  • The balance at any point of time should not exceed rupees fifty thousand.

Dhanam Vanitha

Exclusively designed for women empowerment and keeping the discerning needs of our valuable women customers. This Dhanam Vanitha Account is packed with all the features you need to ensure a superior banking experience.

AMB# - Rs. 500
   
  • Average Monthly Balance required to maintain (AMB) Rs.500/-
  • Sweep-in / Sweep-out facility - Balance in the account above Rs. 25,000 will be converted into FD (in multiples of Rs. 5000) on a fortnightly basis for tenure of 45 days.
  • Visa Classic International ATM Card with Withdrawal limit of Rs.30,000/ day
  • ATM POS Limit Rs.50,000/ day
  • Free RTGS/NEFT-Internet Banking
  • Free Demand Draft facility*
  • Free Personalised Cheque book - 20 Cheque leaves free per Quarter
  • Anywhere banking facility.
  • Free Internet Banking & Mobile Banking
  • SMS Banking facility
  • Free monthly email statement and email alerts
  • Number of Free ATM Withdrawal – 5 Txns( in Non Metro)/ 3 Txns (in Metro locations) per Month

*(Amount Limits apply)
  • The account can be opened with primary applicant as any resident Indian woman (majors above 18 years).
 
 
 

Dhanam Premium

Welcomes you to the Premium Banking experience that makes your banking more convenient and feature rich.

AMB# - Rs. 10,000
   
  • Visa Classic International Debit Card with ATM Withdrawal limit of Rs. 50000/ Day
  • POS limit of Rs.100000/Day
  • Number of Free ATM Withdrawal – 5 Txns( in Non Metro)/3 Txns (in Metro locations) per Month
  • Free 5 NEFT and 5 RTGS per month (Through branch)
  • Free NEFT through Net banking
  • Free Personalised Cheque book (20 leaves) per year
  • Free Mobile Banking & Net Banking facility
  • Free unlimited cash deposit at Home branch
  • Free cash deposit/withdrawal at non base branch up to 100000/Day
  • Free Demand Draft facility*
  • SMS Banking facility
  • Free monthly email statement and E-mail alerts

*(Amount Limits apply)
  • The account can be opened by individuals, trusts, societies, clubs or associations, and can even be opened in the name of a minor.
 

Dhanam Privilege

It is our privilege to serve our valued customer’s .In our constant endeavour to fulfil all your banking needs Dhanlaxmi Bank launched "Dhanam Privilege savings account".


AMB# - Rs. 25,000
   
  • ATM Withdrawal limit of Rs. 50000/ Day
  • POS limit of Rs.100000/Day
  • Free withdrawals from own Bank and other Bank ATMs
  • Free 25 NEFT and 25 RTGS per month (Through branch)
  • Free NEFT & RTGS through Net banking
  • Free IMPS Transactions facility
  • Free Mobile Banking & Net Banking facility
  • Free Personalised Cheque book (20 leaves) per year
  • Free unlimited cash deposit at Home branch
  • Free cash deposit/withdrawal at non base branch up to 200000/Day
  • Free Demand Draft facility*
  • SMS Banking facility
  • Free monthly email statement and Email alerts
  • Rupay Platinum Domestic Debit Card with fabulous features including Free Domestic Lounge Access (2 Access per year), Personal Accident coverage & merchant offers

*(Amount Limits apply)
  • The account can be opened by individuals, trusts, societies, clubs or associations, and can even be opened in the name of a minor.
 

Smart Salary Savings Account

The Smart Salary Savings Account bundles free services, security and convenience for employees while providing easy and convenient salary deposit and management processes for employers.

AMB# - Nil
   
  • Free 5 NEFT & 5 RTGS from branch per month
  • Free 2 Outstation cheques collection per month
  • Free 2 Demand Drafts at bank location & 2 Demand Drafts free at Correspondent  bank locations per month (covering more than 900 locations)
  • Free 2  Pay Orders per month
  • Free 1 ‘At Par’ Cheque Book per quarter
  • Debit card facility is available
  • Free Anywhere Banking - unlimited non-cash transactions
  • Door Step Banking facility*
  • Average Monthly Balance – Nil
  • The account can be opened by individuals, trusts, societies, clubs or associations, and can even be opened in the name of a minor
 

Regular Savings Account

The Regular Savings Account combines security and easy access through our pan-India branch network, seamless banking channels and access to the ATM networks of other banks.
AMB# - Rs. 1,000
   
  • VISA Classic Debit card facility with ATM withdrawal limit of Rs 30000 and POS limit of Rs.50000
  • Free Anywhere Banking
  • Free Mobile Banking & Net Banking facility
  • Free NEFT & RTGS through Net banking
  • Free Personalised Cheque book (20 leaves) per year
  • Free unlimited cash deposit at Home branch
  • SMS Banking facility
  • Free monthly email statement and Email alerts
  • The account can be opened by individuals, trusts, societies, clubs or associations, and can even be opened in the name of a minor
 

Note :
 
  • #Average Monthly Balance (AMB) i.e. Monthly Balance (AMB) is the average daily balance maintained by the customer for a period of 30/31 days. It
    is the Summation of Daily Closing balance for a period of a month - 30/31 days, as applicable divided by the number of days
  • With effect from April 1, 2012 onwards, Cheques/Drafts/Banker’s cheques issued with date of April 01, 2012 and later shall be valid for 3 months
    only . This is as per RBI Guidelines dated November 4, 2011.

 

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