Dhanlaxmi Bank Savings Account

Account Balance	Interest Rates (p.a.)
Balance up to Rs. 1 Lakh	2.50%
Balance above Rs. 1 Lakh and up to Rs. 5 Lakh	2.50%
Balance above Rs. 5 Lakh and up to Rs. 50 Lakh	2.50%
Balance above Rs. 50 Lakh	2.50%
Balance above Rs. 50 Lakh and up to Rs. 10 crore	4.00%
Balance above Rs. 10 crore and up to Rs. 50 crore	6.50%
Balance above Rs. 50 crore	4.00%

Note: Interest rates are updated as of 20 Nov 2025 and are with effect from 6th Nov 2025.

Read More: Savings Account Interest Rates

Dhanam Basic Savings Bank Deposit Account – Small	Regular Savings Account
Dhanam Basic Savings Bank Deposit	Smart Salary Savings Account
Dhanam + and ++ Savings Account	Dhanam Vanitha
Dhanam Premium Savings Account	Dhanam Preferred
Dhanam Privilege	Dhanam Yuvak
Dhanam Genius

Dhanam Basic Savings Bank Deposit Account – Small

Dhanlaxmi Bank’s Basic Savings Bank Deposit – Small is a normal savings account. This savings account is a zero-balance savings account that is provided to individuals who are seeking basic banking facilities. The account offers below-mentioned features and benefits:

• There is no need to maintain any minimum balance
• This savings account can be opened by providing basic KYC documents
• The bank will not levy any maintenance charges on this savings account
• Debit card facility is also available with this savings account
• Basic deposit and withdrawal facility is available

Regular Savings Account

Dhanlaxmi Bank’s Regular Savings Account offers benefits of a regular savings account and provides easy access to the ATM networks of other banks. This savings account by Dhanlaxmi Bank offers below-mentioned features and benefits:

• A Visa Classic debit card is issued with an ATM withdrawal limit of Rs. 30,000 and POS limit of Rs. 50,000
• Free NEFT and RTGS facility through net banking
• 20 free personalised cheque leaves per year
• Unlimited and free cash deposit at home branch
• Free monthly email statement and alerts

Dhanam Basic Savings Bank Deposit

Dhanlaxmi Bank’s Dhanam Basic Savings Bank Deposit is a zero-balance savings account. There is no need to maintain average monthly balance in this savings account. This savings account offers below-mentioned features and benefits:

• The account holder can do 4 free cash withdrawal transactions from any other bank’s ATM per month
• The account holder will also get debit card facility
• Free anywhere banking and unlimited non-cash transactions

Smart Salary Savings Account

Dhanlaxmi Bank’s Smart Salary Savings Account is for salaried individuals. Account holders need not maintain any minimum balance in this savings account. This savings account by Dhanlaxmi Bank offers below-mentioned features and benefits:

• 5 free NEFT & RTGS facility from branch per month
• Debit card facility is also available
• Free 1 ‘At Par’ cheque book per year
• Free 2 demand drafts
• 2 free outstation cheque collection per month

Dhanam + and ++ Savings Account

Dhanlaxmi Bank’s Dhanam + and ++ Savings Account provides account holders with the benefit of a term deposit along with a savings account. The account holders of this account need to maintain an average balance of Rs. 5,000 in the account. It is to be noted that there will be no interest paid if the account is closed within 15 days from the initial investment. This savings account offers below-mentioned features and benefits:

• The account holder will get a free cheque book with a savings account or a certificate of deposit account
• The amount in the savings account after minimum deposit of Rs. 5,000 can only be deposited in multiples of Rs. 1,000

Dhanam Vanitha

Dhanlaxmi Bank’s Dhanam Vanitha is for women. This savings account offers host of benefits and features to women such as free internet and mobile banking facility, Visa Classic International ATM card, etc. Below-mentioned are the features and benefits provided by this savings account:

• Average monthly balance of Rs. 500 needs to be maintained
• Daily ATM withdrawal limit is Rs. 30,000 and POS limit is Rs. 50,000
• Monthly email statements and email alerts are provided for free
• 5 free ATM withdrawal transactions in non-metro and 3 free transactions in metro locations per month
• Free 20 personalized cheque leaves per quarter is provided for free

Dhanam Premium Savings Account

Dhanlaxmi Bank’s Dhanam Premium account provides a premium banking experience to account holders. The account holder needs to maintain an average monthly balance of Rs. 10,000 in this savings account. Below-mentioned are the services provided by this savings account:

• A Visa Classic International debit card with an ATM withdrawal limit of Rs. 50,000 and POS limit of Rs. 1,00,000 a day is provided
• 10 free ATM transactions a month are provided
• 5 free NEFT and RTGS services per month through branch
• NEFT through net banking is provided for free
• 20 free personalised cheque leaves a year are provided
• Free mobile and net banking facility

Dhanam Preferred

Dhanlaxmi Bank’s Dhanam Preferred savings account can be opened by individuals, trusts, societies, clubs and can also be opened in the name of a minor. The account holder needs to maintain an average balance of Rs. 5000 in the account. This savings account offers below-mentioned features and benefits:

• A Visa Classic International debit card is provided with a withdrawal limit of Rs. 50,000 and POS limit of Rs. 75,000 in a day
• Net banking and mobile banking facility is provided for free
• Unlimited and free cash deposit at branch
• 2 free NEFT and RTGS service through branch

Dhanam Privilege

Dhanlaxmi Bank’s Dhanam Privilege savings account caters to all banking needs of account holders. The account holders needs to maintain an average balance of Rs. 25,000 in the savings account. This savings account by Dhanlaxmi Bank offers below-mentioned features:

• ATM withdrawal limit of Rs. 50,000 and POS limit of Rs. 1,00,000 a day is provided
• IMPS transaction facility is provided for free
• A RuPay Platinum Domestic debit card with features including 2 domestic lounge access a year
• NEFT & RTGS services are provided for free through net banking
• Monthly email alerts and statement are provided for free
• Free 25 NEFT & RTGS  service through branch
• Facility to deposit/withdraw cash at non-base branch up to Rs. 2,00,000 in a day

Dhanam Yuvak

Dhanlaxmi Bank’s Dhanam Yuvak is for young individuals. This savings account is for individuals who are looking for a savings account and are new to banking and savings. The account holder needs to maintain a minimum balance of Rs. 1,000 in this savings account. This savings account offers below-mentioned features and benefits:

• Daily ATM withdrawal limit is Rs. 30,000 and POS limit is Rs. 50,000
• The account holder will get free internet and mobile banking facility
• Free 20 personalised cheque leaves per year
• Monthly free email statement and alerts

Dhanam Genius

Dhanlaxmi Bank’s Dhanam Genius savings account is for kids who are aged 1 day to 18 years. This savings account offers below-mentioned features and benefits:

• Average monthly balance required is Rs. 1,000
• Daily ATM withdrawal limit is Rs. 5,000 and POS limit is Rs. 5,000
• 2 NEFT/RTGS transactions are provided for free
• Free 5 cash transactions over the counter
• Standing instruction facility from the account of parent to children is provided for free
• Free 2 DDs/POs per month

The applicant needs to produce below-mentioned documents to open a savings account in Dhanlaxmi Bank:

• Aadhaar card
• PAN card/Form 60
• Driving license
• Voter’s identity card issued by Election Commission of India
• Job card issued by NREGA duly signed by an officer of the State Government
• Letter issued by the National Population Register containing details of name and address

Applicants need to fulfil the below-mentioned criteria to be eligible to open a savings account in Dhanlaxmi Bank:

• Individuals
• Trusts
• Societies
• Clubs or associations
• Can even be opened in the name of a minor

Applicants need to meet the below-mentioned eligibility criteria for the mentioned savings accounts:

Type of Savings Account	Eligibility Criteria
Dhanam Genius	Kids aged from day 1 to 18 years
Dhanam Vanitha	Primary applicant should be an Indian woman above 18 years of age
Dhanam Yuvak	Individuals above 18 years to 35 years
Dhanam + and ++ Savings Account	By individuals
Smart Salary Savings Account	Salaried individuals
Dhanam Basic Savings Bank Deposit Account – Small	Individuals only Minors can open jointly with guardian following the usual eligibility criteria

Category	Fees and Charges
Account Closure	No charges if closed within 14 days Rs. 500 will be charged if closed between 15 days to 6 months No charges if closed after 6 months
Cheque leaf	Rs. 3.50 per leaf
DD and PO cancellation	Rs. 100 per instrument
Debit card issuance	RuPay Classic – Rs. 150 Visa International – Rs. 150 RuPay Platinum Domestic – Rs. 200
Debit card annual maintenance	RuPay Classic – Rs. 100 Visa International – Rs. 100 RuPay Platinum Domestic  – Rs. 100
Debit card re-issuance if lost	Rs. 200
DD and PO Revalidation	Rs. 100 per instrument
Non-financial international ATM transaction	Rs. 25 per transaction
Cross currency mark up	3.50%
Financial international ATM transaction	Rs. 150 + 3.50% (cross currency mark-up)
Attestation of photo and signature	Rs. 100 per instance
Duplicate passbook	Rs. 100 per instance
Door step banking facility for senior citizens	Rs. 250 per visit

If the applicant wants to open an online savings account in Dhanlaxmi Bank, the applicant needs to follow the below-mentioned steps:

Step 1: Visit Dhanlaxmi Bank’s official website and navigate towards ‘Personal Banking’

Step 2: Navigate on ‘Accounts’ and then click on ‘Savings Account’

Step 3: Upon clicking on ‘Savings Account’, you will be directed to savings account opening page

Step 4: Click on ‘Open an Account’ on the page

Step 5: You will now be directed on savings account application form

Step 6: Fill in the application form by providing all the details as asked in the form

Step 7: Once the form has been filled, click on ‘Submit’

Step 8: Upon submitting the application form, the bank will review the application and will assist you further in opening the savings account online

If the applicant wants to open an offline savings account in Dhanlaxmi Bank, the applicant needs to follow the below-mentioned steps:

Step 1: Visit Dhanlaxmi Bank’s nearest branch

Step 2: Fill out the savings account application form by providing all your basic details as asked in the form

Step 3: Bank official will ask you to provide self-attested PAN and Aadhaar card

Step 4: Choose the type of savings account you want to open

Step 5: Collate all the documents and submit the documents with your proof of identity

Step 6: Once all the documents have been submitted, the bank will verify the details and open your savings account

The bank will provide you with welcome kit that will contain all necessary documents to help you operate the account

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Q. What is the name of Dhanlaxmi Bank’s mobile banking app?

Ans. DhanSmart is the name of Dhanlaxmi Bank’s mobile banking app.

Q. How can I check my savings account balance in Dhanlaxmi Bank by giving a missed call?

Ans. You can give a missed call at +91 80-67747700 to receive an instant SMS about your savings account balance in Dhanlaxmi Bank.

Q. How can I connect with Dhanlaxmi Bank’s customer care?

Ans. You can connect with Dhanlaxmi Bank’s customer care by calling them at +91 – 044 42413000 or send an email at customercare@dhanbank.co.in.

Q. What if my Dhanlaxmi Bank’s ATM or debit card is lost or stolen?

Ans. If your Dhanlaxmi Bank’s ATM or debit card is lost or stolen, you can immediately contact the customer service phone banking toll free number at 080-67216000.

Q. Can I register for mobile banking without debit card in Dhanlaxmi Bank?

Ans. Yes, you can register for mobile banking without debit card in Dhanlaxmi Bank.

Q. Will I be charged for downloading my account’s statement in Dhanlaxmi Bank?

Ans. No, you will not be charged for downloading your account’s statement in Dhanlaxmi Bank.

Q. How can I block my Dhanlaxmi Bank’s debit card temporarily?

Ans. To block your debit card in Dhanlaxmi Bank temporarily, you can do so through online banking following this step:
Services > Debit Cards > Block/Unblock Card

Q. What are IMPS charges in Dhanlaxmi Bank?

Ans. IMPS charges in Dhanlaxmi Bank are Rs. 5 for transactions from Rs. 1 – Rs. 1,00,000 and Rs. 15 for transactions from Rs. 1,00,000 – Rs. 2,00,000.

Q. Are there any charges levied by Dhanlaxmi Bank for availing UPI services?

Ans. No, Dhanlaxmi Bank doesn’t charge any fee for UPI services.