REVISED SCHEDULE OF CHARGES
REVISED SCHEDULE OF CHARGES W.E.F October 1, 2010
| FEATURES | SME & other Retail Credit Customers | |
| ACCOUNT RELATED CHARGES | ||
| 1. | Balance required to maintain | Nil |
| 2. | Criteria | Nil |
| 3. | Account maintainence charges | Nil |
| 4. | Penal Charges (AMB Non maintenance) | Nil |
| 5. | Account closure charges | Nil |
| FEES | ||
| 6. | NEFT | Upto Rs.10k - Rs.2.50 , |
| 7. | RTGS | Upto Rs.2 lakh free, above Rs.2 lakh to 5 lakh - Rs.25 per transaction, Rs.5 lakh and above Rs.50 per transaction |
| 8. | Personalized PAP Cheque Book | Rs.2 per cheque leaf |
| ANYBRANCH BANKING | ||
| 9. | Cash Deposit at Non Base Branch | Cash Deposit limit upto Rs.50,000 per day @ Rs.100/transaction |
| Third party deposits is allowed upto Rs.50,000 / branch / day along with TP form. No TP form required for single transaction less than Rs. 25,000 per day (IT directive on PAN to be followed). For cases where cash deposit is allowed above threshold (at branch discretion) charges at Rs.1 per 1000, Minimum. Rs.50 per transaction will be levied. | ||
| 10. | Cash Withdrawal at Non Base Branch | Cash Withdrawal limit upto Rs.50,000 per day @ Rs.100/transaction |
| Third Party withdrawal allowed upto Rs.50,000/transaction only. For cases where cash deposit is allowed above threshold (at branch discretion), charges @Rs.1 per 1000, Min. Rs.50 / txn will be levied. Customer has to inform the branch 1day in advance if amount >2lakhs | ||
| 11. | Cash deposit at home branch per month | Free upto Rs. 15 lakh/month Beyond that Rs.0.25/1000 (min-Rs.50/transaction) |
| 12. | Anywhere banking funds transfer | Unlimited Free |
| DEMAND DRAFT / PAY ORDER | ||
| 13. | Charges for DD at bank locations | Upto Rs.10,000 - Rs.30, |
| 14. | Charges of correspondence banks DD | Upto Rs.10,000 - Rs.30, |
| 15 | Charges for PO at bank locations | Upto Rs.10,000 - Rs.30, above Rs.10,000 & upto Rs.50,000 - Rs. 100, above 50,000 & upto Rs.1 lakh - Rs.200, above Rs.1 lakh to less than Rs.10 lakhs - Rs.2/1000 (min.Rs.250 and max.Rs.5000) |
| DDs & POs can be made for amount less than Rs.10 lakhs (amount of FREE DD should be less than 10lakhs per DD) | ||
| DEMAND DRAFT / PAY ORDER CANCELLATION / REVALIDATION AND DUPLICATE ISSUANCE | ||
| 16. | Cancellation | Rs.50 per instrument |
| 17. | Cancellation & issuance of duplicate Instrument | Rs.100 per instrument |
| CHEQUE ISSUED / DEPOSITED & RETURNED UNPAID | ||
| 18. | Cheque issued & returned (financial reasons) | Rs.250 per cheque |
| No charges for cheque returned for technical reasons | ||
| 19. | Cheque deposited & return | Rs.50 for Local & Rs 150 for Outstation - per Cheque |
| 20. | ECS returns | Rs.100 |
| OUTSTATION CHEQUE COLLECTION | ||
| 21. | Outstation Cheque Collection at Bank Locations | Rs.50 per cheque |
| 22. | Outstation Cheque Collection at Non Bank locations | Rs.50 per instrument (plus other bank charges) |
| DEBIT CARD RELATED CHARGES | ||
| 23. | Debit card annual fees | Free |
| 24. | Limit of debit card | Rs50,000 per day |
| 25. | Limit for POS | Rs.50,000 per day |
| 26. | Hot listing charges & reissue charges | No charges for hot listing. Rs.100 levied for reissue |
| 27. | ATM interchange (National / International) | Free |
| 28. | ATM pin generation charges | Free |
| 29. | Charges for per add on card | Rs.100 |
| 30. | Mobile Banking / SMS Banking | Free |
| 31. | Internet Banking | Free |
| 32. | Phone Banking | Free |
| STATEMENT OF ACCOUNT | ||
| 33. | E-mail monthly | Free |
| 34. | Monthly | Free quarterly |
| OTHER SERVICES | ||
| 35. | Stop payment | Rs 50 per cheque leaf, Rs 100 for series |
| 36. | Enquires related to old record | Rs.75 per request |
| 37. | Photo attestation | Rs. 50 per instance |
| 38. | Signature attestation | |
| 39. | Address attestation | |
| 40. | No dues certificate | |
| 41. | Balance confirmation charges | |
| 42. | Telephone / Fax charges | On actuals, minimum Rs.25 |
| 43. | Standing Instruction set up / Amendment | Rs.50 / SI / Amendment |
| 44. | Duplicate passbook / Statament charges | Rs.50 per instance |
| Door Step Banking | ||
| 45. | Cash pickup / Delivery | Rs.25,000 -Rs.1,00,000 Rs.200 Per pickup/Delivery; Rs.1,00,000 - Rs.3,00,000 Rs. 300 Per pickup/Delivery; Rs.3,00,000 - Rs.5,00,000 Rs. 400 Per pickup/Delivery; Rs.5,00,000 -Rs.10,00,000 Rs. 650 Per pickup/Delivery |
| 46. | Cheque pickup / Delivery | Rs. 50 per pick up or delivery |
| Door Step Banking facility is available only at salect branches - please contact your branch to opt for this facility. For enjoying Doorstep Banking, customer needs to sign the agreement. No FREE Door-Step Banking limit will be given to the customer not maintaining the Average Monthly Balance, they will be charged for all such transactions for that month; post-facto. | ||
| Common Guidelines | ||
| 1. | Average 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. | |
| 2. | An initial payment for opening a new account should be made for at least them minimum average monthly balance of the account. | |
| 3. | Monthly / Annual cycle charges as applicable on the account type can be recovered anytime during the month. | |
| 4. | In case of insufficient funds in the account for recovery of service charges, Dhanlaxmi Bank reserves the right to force debit or make repeated attempt (s) to recover charges as applicable to the account type. | |
| 5. | The charges mentioned in the schedules are exclusive of taxes i.e.service tax, education cess etc as applicable (except for NEFT,RTGS & OCC, where charges are inclusive of taxes). | |
