RIB HELP
Account Summary
- You will have to select your customer id from the customer id linked in your net banking.
- For that in the Account Summary will list out all below types of accounts mapped to your NetBanking ID
- Savings Accounts
- Current Accounts
- Term Deposits
- Loan Accounts
- It will show the account number , account type , currency and balance for each of the accounts linked
- If you are not in a position to view all your existing accounts through NetBanking, you may approach your HOME branch to link all such missing accounts. This will facilitate hassle free operations of all accounts through NetBanking.
Account Details
You will have to select the account for which you want to see the details:
You will be able to check the following details:- Customer Name
- Mobile Number
- Email id
- Address
- Product name
- Account Status
- Account Opening Date
- Uncleared funds
- Available Balance
- Overdraft Limit
- Amount On Hold
- Combined Available balance
Mini Statement
- With this you will be able to View list of last 10 transactions.
- You will have to select the account for which you require the mini statement.
- You will be able to download and print your mini statement in xcel, csv and PDF formats.
The following details are shown for Mini statement:
| Particular | Details |
| Date | The date when the transaction in the account is entered. |
| Description | It has type of fund transfer, reference details and remark which is entered by the customer. |
| Value Date | The date when the transaction takes effect for the purpose of calculation of interest. |
| Chq No / Ref No | Cheque Number or Reference Number of the said transaction. |
| Debit | The debited amount in your account. |
| Credit | The credited amount in your account |
Detailed Statement
To view statement between a particular date range, please select Detail Statement option. The date format is DDMMYY. You can also view the statement in acending or descending date order.
- Amount - To view statement between a particular amount range, please select Amount option.
- Cheque - To view details of a particular cheque number which has been presented please select Cheque option.
| Particular | Details |
| Date | The date when the transaction in the account is entered. |
| Description | It has type of fund transfer, reference details and remark which is entered by the customer. |
| Value Date | The date when the transaction takes effect for the purpose of calculation of interest. |
| Chq No / Ref No | Cheque Number or Reference Number of the said transaction. |
| Debit | The debited amount in your account. |
| Credit | The credited amount in your account |
Cheque Status Enquiry
Cheque Status Enquiry
- With this option you can find out the status of single or multiple cheques.
- For this , you have to select your account number and then selects option for Single or Range of cheques.
- You need to enter the Cheque Number or the range of cheque numbers for which the status is required.
- You will be able to see the status of your cheque or cheque ranges on submission of request.
- Please note that the maximum number of cheques in a range cannot be more than 20. 'You can inquire a maximum of 20 cheques at a time through Internet Banking'.
Cheque Book Request
Cheque Book Request
- Customer can place a cheque book request through this option.
- You will have to select the account for which you require a cheque book and place a request.
Stop Cheque Request
Stop Cheque Request
- Customer can issue Stop Cheque Payment instructions through Stop Cheque request option.
- To stop a single cheque, in start cheque number option enter the cheque number to be stopped. For a series of cheques give the starting cheque number and ending cheque number and click on request. The cheque(s) have been stepped immediately.
- After the Stop request is processed, check the status of instrument/s in cheque status enquiry option.
- Bank will be able to carryout “Stop Cheque Payment” instruction, only if the cheque has not been presented for payment at the time of acceptance of this instruction.
Payee maintenance
Fund Transfer :
- Own Account Fund Transfer
- Third Party Fund Transfer within Bank
- Third Party Fund Transfer to another Bank (NEFT)
Payee addition is required for Third Party Fund Transfer within Bank and to another Bank (NEFT). You do not need to add a payee for Own Account Fund Transfer.
Under Payee Maintenance, the following functionalities are available:
Add Payee
Payee can be added by providing required details like Nickname, Full Name, Payee Account Number etc. Transaction Password is required to add a payee.
Payee Search
You can view all your added payee.
Modify Payee
You can modify a Payee by clicking on Payee Nickname in the Payee list. Transaction Password will be required to modify a payee.
Delete a Payee
You can delete a Payee by clicking on Payee Nickname in the Payee list. Transaction Password will be required to delete a payee.
Own account fund transfer
Own Account Transfer
For fund transfer among own accounts, the customer can freely transfer funds among all his/her own accounts mapped under NetBanking ID. The transaction limit is applicable to Own Account Fund Transfer.
Steps to do Own Account Fund Transfer- You need to click on “Own Account Fund Transfer” in left menu of Fund Transfer
- You need to select Source Account and Destination Account. Then you need to enter amount. Click on Submit.
- Verification Page will be shown. You need to verify the details and click on “Confirm”.
- Transaction Password Page will be shown. Enter the transaction passwords and click on the “Submit” button.
- Confirmation Page will be shown to the customer. You can take print also on click of “Print” Button. If you want to do another transaction, you can click on “Another Transfer’.
Third party fund transfer with in bank
- You will have to select the debit account number.
- You can select a registered beneficiary name, to which he has to transfer the funds. Please note : Beneficiary selection is mandatory. Without beneficiary, you would not be able to transfer funds.
- Hence if the beneficiary does not exist for the account you want to transfer to then you will first have to create beneficiary by visiting the Payee Maintenance
- Payment types 'Now' and 'Schedule Later' are enabled.
- You can also add Narration in the text box available.
- On submit, you will be taken to Verify page, with all details entered.
- When you confirm the transaction, then you will get a confirmation message along with Transaction Reference Number
- When you select the option as 'Now' for Make Payment, then the amount will be sent immediately for payment
- You can check for this status under the Payment History option.
- In case you selected option 'Schedule Later', then it will be processed on the date that had been entered..
- If there are insufficient funds in account on date of execution, then transaction will be rejected.
External Transfer
This option will enable you to transfer funds outside of Dhanlaxmi bank. In this case, after selecting external transfer, you would have to select 'RTGS / NEFT' option to make External Transfers.
- Based on transaction type selected by you in the first page, you would be automatically be defaulted to 'RTGS / NEFT'
- You will then have to select the Company Id, basis which you would be able to select the debit account number.
- You will have to select a registered beneficiary name, to which you want to transfer the funds. Beneficiary selection is mandatory
- Please note: that RTGS, the transfer amount should not be less than Rs. 2 lakhs. Payment types 'Now' and 'Later' will be required
- Payment types 'Now' and 'Schedule Later' are enabled.
- You can also add Narration in the text box available.
- On submit, you will be taken to Verify page, with all details entered.
- When you confirm the transaction, then you will get a confirmation message along with Transaction Reference Number
- This transaction will then be visible for the authorizer for authorization.
- Authorizer can either reject the transaction or authorizer the same.
- Once transaction has been authorized, and if you have selected the option as 'Now' for Make Payment, then the amount will be sent immediately for payment
- You can check for this status under the Payment History option.
- In case you selected option 'Schedule Later', then it will be processed on the date that had been entered..
- Transaction will in such cases, will be executed on this date, provided the authorizer has approved the same at least one day prior to execution date.
Credit Card Payment
For credit card payment, you need to add credit card as a payee:
- Payee Nickname is the alias name of the credit card holder.
- Payee Name is the full name of the credit card holder.
- Credit Card Number is the 16 digit credit card number
- Successfully registered credit card number with proper details will be available for payment.
- Note: If your account status is “Blocked” or “Debit Override” then you will not be able to do credit card payment.
Steps to do Credit Card payment:
- You need to click on “Credit Card Payment” in left menu of Fund Transfer
- You need to select Source Account and Credit Card Payee. Then you need to enter amount and transfer description. Click on Transfer.
- Verification Page will be shown. You need to verify the details and click on “Confirm”.
- Transaction Password Page will be shown. Enter the transaction passwords and click on the “Submit” button.
- Confirmation Page will be shown. You can take print by clicking “Print” button. If you want to do another transaction, you can click on “Another Credit Card Payment”.
Payment History
- Payment History option would give option to view list of payments made by you through internet banking channel.
- You will have to choose the Account number , the type of transfer, date range for which the information is needed.
- The following information will be available for the payments made :
- Transaction Date
- Execution Date
- Reference No
- From Account No
- Beneficiary A/c No./Payee Name
- Transfer Amount
- Transaction Status
- Core Status
- Narration
- Type Of Transactions
- The information would be able to export to CSV , Xcel or PDF.
Open Term Deposit
Open Term Deposit
- There are two options are available to open a Term Deposit.
- Open new Term Deposit
- Add to an existing Term Deposit
- If you already have Term Deposit, you can add more amount under same Term Deposit Account Number but Deposit Number will be different for each amount.
- In order to open a Term Deposit, select the Deposit product from list. There are three categories of deposit products, viz., Resident - meant for Public, Staff - Staff members and Senior Citizen - Senior citizens other than staff.
- Once you select your source account, you need put amount and then you need to select the Period by months and days.
- Interest Payout Plan for Dhanam Cumulative Deposit Certificate (DCDC) deposit is “At Maturity” only.
- Interest Payout Instruction and Principal Payout Instruction are having only one option for crediting amounts. The customer has to select Account Number where the amounts to be credited.
- While adding to an existing Term Deposit account, the customer needs to select existing Term Deposit from the dropdown. Rest process is the same as above.
Note: If your account status is “Blocked” or “Debit Override” then you will not be able to open Term Deposit.
Steps to Open Term Deposit:
- You need to click on the “New Term Deposit Open”. Input page will be opened. Radio Button of “New Account” will be selected by default.
- You need to enter all required details for your Term Deposit in Input Page. Then you need to click on “Open Deposit” Button.
- Then Verification Page will be displayed. You can verify and click on “Confirm Deposit”.
- Then Transaction Password page will be displayed. You need to enter correct Transaction Password and Click on the “Submit” Button.
- Confirmation Page will be displayed. You can take print out and sign on it. The signed receipt to be submitted at Branch. You will get “Term Deposit Certificate” from the Branch.
Note: In Verification page, if you want to modify, you can click on “Modify Details”. Again, you need to click on “Open Deposit” to go to Verification page. Then rest process will be same.
Steps to add to an existing Open Term Deposit:
- You need to click on the “New Term Deposit Open”. Input page will be opened. Radio button of “New Account” will be selected by default. You need to click on Radio button of “Add to Existing Account”.
- You need to enter all required details for your Term Deposit in Input Page. Then you need to click on “Open Deposit” Button.
- Then Verification Page will be displayed. You can verify and click on “Confirm Deposit”.
- Then Transaction Password page will be displayed. You need to enter correct Transaction Password and Click on the “Submit” Button.
- Confirmation Page will be displayed. You can take print out and sign on it. The signed receipt to be submitted at Branch. You will get “Term Deposit Certificate” from the Branch.
Note: In Verification page, if you want to modify, you can click on “Modify Details”. Again, you need to click on “Open Deposit” to go to Verification page. Then rest process will be same.
Note: When you open a Term Deposit under existing Term Deposit, “Deposit Number” will be given to the certificate under same Term Deposit Account. The same can be viewed in “Term Deposit Details’ section.
