Verified Bank Tariff
Dhanlaxmi Bank Limited Charges & Fees
- Charges verified
- 8
- 8 checked rules · 5 fee categories · 2 account variants
Complete official Schedule of Charges for Dhanlaxmi Bank Limited. Every fee entry is backed by verified citations, 18% GST treatment, waiver conditions, and RBI dispute rights.
At a glance
Dhanlaxmi Bank Limited’s own figures, before GST. Tap a figure for its source.
- SMS alerts
Not verified yet
No official figure checked for this bank.
- Demand draft
Not verified yet
No official figure checked for this bank.
- RTGS
Top rate · from ₹0
High vs 22 banks
- IMPS
Top rate · from ₹0
Mid vs 20 banks
- NEFT
Top rate · from ₹0
High vs 30 banks
- Minimum balanceDhanlaxmi Bank changed this page on 15 October 2026; this figure hasn't been re-confirmed since. Check the official page ↗
Bank’s figure
Free
- Cheque return
Not verified yet
No official figure checked for this bank.
- Locker rent
Not verified yet
No official figure checked for this bank.
Verified Fee Categories for Dhanlaxmi Bank Limited
Cheque charges1 checked entry
Smart Salary Savings Account · Branch
₹0 (Free)
Trigger Condition
Dhanlaxmi Smart Salary Savings Account only; limited to the explicit free 20-leaf annual entitlement. No beyond-allowance fee is inferred.
Verified on 2026-08-15
IMPS charges2 checked entries
Retail Banking Service Charges · Other
₹0 (Free)
Trigger Condition
Dhanlaxmi Bank inward IMPS transactions only.
Verified on 2026-08-15
Retail Banking Service Charges · Other
Rs 1 to Rs 1 lakh: ₹5.00 · Above Rs 1 lakh and up to Rs 2 lakh: ₹15.00
Trigger Condition
Dhanlaxmi Bank outward IMPS transactions. The current Charges page lists Rs5 + GST up to Rs1 lakh and Rs15 + GST above Rs1 lakh up to Rs2 lakh.
Verified on 2026-08-15
Minimum balance charges1 checked entry
Smart Salary Savings Account · General
₹0 (Free)
Trigger Condition
Dhanlaxmi Smart Salary Savings Account for eligible salaried individuals only.
Verified on 2026-08-15
NEFT charges2 checked entries
Retail Banking Service Charges · Branch
Up to Rs 10,000: ₹2.50 · Rs 10,001 to Rs 1 lakh: ₹5.00 · Above Rs 1 lakh and up to Rs 2 lakh: ₹15.00 · Above Rs 2 lakh: ₹25.00
Trigger Condition
Dhanlaxmi Bank outward NEFT initiated from branch. Internet/Mobile Banking NEFT is stored separately as free.
Verified on 2026-08-15
Retail Banking Service Charges · Other
₹0 (Free)
Trigger Condition
Dhanlaxmi Bank NEFT through Internet Banking or Mobile Banking only.
Verified on 2026-08-15
RTGS charges2 checked entries
Retail Banking Service Charges · Branch
Above Rs 2 lakh and up to Rs 5 lakh: ₹25.00 · Above Rs 5 lakh: ₹50.00
Trigger Condition
Dhanlaxmi Bank outward RTGS initiated from branch. Internet/Mobile Banking RTGS is stored separately as free.
Verified on 2026-08-15
Retail Banking Service Charges · Other
₹0 (Free)
Trigger Condition
Dhanlaxmi Bank RTGS through Internet Banking or Mobile Banking only.
Verified on 2026-08-15
What Dhanlaxmi Bank Limited prints on your statementStatement narrations · 5 decoded
5 narrations decoded against Dhanlaxmi Bank Limited's own schedule of charges — the plain-English and Hinglish meaning, the exact amount including GST, and how to avoid it.
CHQ BOOK CHGA charge for cheque leaves issued beyond the free allowance for the year.
IMPS CHGA charge on an IMPS instant transfer.
MIN BAL CHGA penalty for not keeping the required average balance in your account for the month or quarter.
NEFT CHGA charge on an outward NEFT transfer. Under RBI rules NEFT sent through internet or mobile banking on a savings account carries no charge.
RTGS CHGA charge on an outward RTGS transfer. RTGS is used for amounts of Rs 2 lakh and above.
Annual Account Leakage AuditHow much is Dhanlaxmi Bank Limited quietly deducting every year?
How much is Dhanlaxmi Bank Limited quietly deducting from your account every year?
Run our 60-second audit to total the charges we can trace to published tariff documents.
Official Dhanlaxmi Bank Limited tariff documentsThe bank’s own Schedule of Charges and website
Disputing a Wrongful Charge at Dhanlaxmi Bank LimitedDispute & Refund Assistance · RBI three-level route
Under Reserve Bank of India (RBI) consumer protection directives, account holders have statutory rights to claim refunds for unauthorized debits, failed ATM transactions, or penalties debited without prior notification.
Branch / Helpdesk Ticket
Email Dhanlaxmi Bank Limited customer service quoting the transaction ID and account details. TAT: 7 working days.
Principal Nodal Officer
If unresolved within 7 days, escalate to Dhanlaxmi Bank Limited's Principal Nodal Officer (PNO). TAT: 14–30 days.
RBI Banking Ombudsman
Lodge a statutory complaint on the RBI CMS Portal (cms.rbi.org.in) if rejected or delayed past 30 days.
Need a pre-filled grievance email draft for AMB penalties or debit card AMC?
Open Dispute Letter GeneratorFrequently Asked Questions (Dhanlaxmi Bank Limited)4 questions
What is the minimum balance (AMB) requirement in Dhanlaxmi Bank Limited?
In Dhanlaxmi Bank Limited, the minimum average balance (AMB/MAB) varies by account tier and branch location. Regular savings accounts in metros typically require maintaining the published threshold, while salary accounts and BSBDA zero-balance accounts have ₹0 AMB requirements.
What are the debit card annual maintenance charges (AMC) for Dhanlaxmi Bank Limited?
Debit card maintenance charges at Dhanlaxmi Bank Limited are billed annually based on card variant plus 18% GST.
Can Dhanlaxmi Bank Limited deduct minimum balance penal charges without sending an SMS?
No. Under RBI Master Direction (DBOD.No.Leg.BC.21/09.07.006/2015-16), Dhanlaxmi Bank Limited is legally mandated to notify the customer via SMS or email giving them a 30-day notice window to restore their balance before any penalty can be debited. If debited without prior notification, you are entitled to a full reversal.
How do I dispute a wrongful fee or charge deducted by Dhanlaxmi Bank Limited?
To dispute a wrongful deduction at Dhanlaxmi Bank Limited: (1) Send an email to the Branch Manager / Customer Service citing the relevant RBI circular and transaction ID. (2) If unresolved within 7 days, escalate to Dhanlaxmi Bank Limited's Principal Nodal Officer (PNO). (3) If unresolved after 30 days, lodge a complaint with the RBI Banking Ombudsman via the CMS portal (cms.rbi.org.in).