What is the official website of the payment service?
https://www.dhanbank.com
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Where can I find the customer support contacts?
The customer support contacts are listed under the “Contact Us” page in the website footer or in the “Customer Care” section.
What is the hotline phone number?
0487 6613000
Is there a toll-free support number?
Yes, Dhanlaxmi Bank provides a toll-free number: 1800 425 1747.
What is the email address for technical support?
Are there separate emails for different types of inquiries?
Dhanlaxmi Bank usually provides separate email addresses for customer service, credit card, and loan-related queries.
Where can I find the online chat support?
Online chat support, if available, is typically found on the home page or via the “Contact Us” section; availability may vary.
Does the chat support work 24/7?
Most industry providers offer chat support during business hours; 24/7 chat is less common for Indian banks.
Is there support through messengers (Telegram, WhatsApp)?
Messenger support is being adopted by some banks; clients should check the website for updates and numbers for WhatsApp Banking.
What are the support working hours?
Standard support hours are typically 9:00–18:00 on weekdays, with limited hours on Saturdays.
Does support work on weekends and holidays?
Support during weekends and holidays is limited; urgent queries may be handled via hotline or self-service channels.
Are there regional offices for in-person visits?
Regional and branch offices are available for in-person visits at major cities throughout India.
Where are the physical offices located?
Dhanlaxmi Bank branches are located across Kerala, Tamil Nadu, Maharashtra, and other regions; check the branch locator on the website.
Can I schedule a personal meeting?
Personal meetings can be requested through branch visits, appointments via phone/email, or online enquiry forms.
Are there representatives in different countries?
Indian banks usually do not have international representatives; foreign offices are rare for regional banks like Dhanlaxmi Bank.
In which languages is support available?
Support is available in English, Hindi, and several local languages depending on the region.
How quickly does support respond to requests?
Email responses may take 24–48 hours; phone and social media support typically respond within minutes to a few hours.
Is there a priority system for VIP clients?
Priority/VIP clients may receive dedicated Relationship Managers and faster support, especially for Private Banking.
Can I request a callback?
Callbacks can be requested via website forms, customer care, or by filling an enquiry form.
When was the payment service founded?
Dhanlaxmi Bank was founded on 14 November 1927.
Who is the founder and owner of the service?
Founded by a group of businessmen in Thrissur; it is now a publicly listed bank owned by shareholders.
What is the development history of the payment service?
Dhanlaxmi Bank started as Dhanalakshmi Bank in Thrissur, Kerala in 1927, focusing on personal and commercial banking, later expanding to digital and payment services.
Have there been major updates or rebranding?
The bank rebranded from Dhanalakshmi to Dhanlaxmi Bank Ltd in 2010; continuous technological and product updates have followed.
Who sits on the company's board of directors?
Key executives include the Managing Director & CEO and a board of directors; details are published in the annual report and on the website.
Are there investors or partners in the service?
The bank’s stakeholders are public, institutional shareholders, and it partners with payment service providers, fintechs, and payment networks.
Does the company participate in stock trading?
Yes, Dhanlaxmi Bank is listed on BSE and NSE India.
What is the company's market capitalization?
Market capitalization can be found on stock exchange websites and fluctuates; check BSE/NSE for real-time valuation.
Are there subsidiary companies or branches?
Subsidiaries are rare; the company operates branches and ATMs throughout India.
What licenses does the payment service have?
Dhanlaxmi Bank is licensed by the Reserve Bank of India under the Banking Regulation Act, 1949.
In which jurisdictions does the service operate officially?
Officially operates in India, with branches across multiple states.
Are there licenses for cryptocurrency operations?
Indian banks are not authorized for direct cryptocurrency services under RBI guidelines as of now.
Does the service comply with AML/KYC requirements?
Yes, the bank follows RBI-mandated AML (Anti-Money Laundering) and KYC (Know Your Customer) procedures.
Are there security certificates (PCI DSS, etc.)?
Payment services adhere to PCI DSS for card operations and use SSL/TLS security for online platforms.
Has the service undergone security audits?
Regular security audits are mandated by RBI and industry standards for all licensed banks.
Is there insurance for client funds?
Deposits are insured up to ₹5 lakh per depositor under Deposit Insurance and Credit Guarantee Corporation (DICGC).
Which international standards does it comply with?
Services comply with ISO standards for banking, PCI DSS for payments, and RBI’s cybersecurity guidelines.
Have there been any regulatory fines or violations?
Banks disclose penalties in their annual reports; check RBI notices for recent fines or compliance actions.
Where can I find real reviews about the service?
Reviews are available on Google, Facebook, and banking review platforms like BankBazaar and Mouthshut.
What are the main user complaints?
Complaints include processing delays, branch service experiences, app issues, and customer service responsiveness.
What do users most often praise the service for?
Users praise personalized customer service, easy branch access, and responsive staff.
Are there issues with fund withdrawals?
Issues may occur with ATM or online withdrawal; most banks provide resolution timelines and complaint mechanisms.
Is the interface convenient according to users?
Online and mobile interfaces are rated convenient but may lack advanced features compared to larger banks.
Are clients satisfied with transaction speed?
Transaction speed is rated satisfactory for standard transfers; occasional delays may be reported.
Do users recommend this service?
Recommendations are mixed; satisfied customers refer local services, while others express concerns over delays.
How do experts assess the service's reliability?
Experts rate Dhanlaxmi Bank reliable for retail and SME banking, citing strong compliance and solid history.
Are there industry awards and recognitions?
Regional and service awards are given from banking publications and local business chambers.
Does the service participate in payment system rankings?
Participates in Indian payment system performance rankings but isn’t a national leader.
Are there recommendations from financial regulators?
The bank follows RBI’s recommendations; positive compliance is recognized in regulatory inspections.
What reputation does the service have among partners?
Partners rate Dhanlaxmi Bank as stable for retail and business payments, with strong local trust.
How do they evaluate solution innovation?
Innovation is recognized in digital onboarding, app development, and payment solutions for regional clients.
Are there quality service certificates?
Quality service certifications are obtained for processes, including ISO and industry-standard awards.
Does the company participate in industry conferences?
Dhanlaxmi Bank regularly attends national banking and fintech conferences.
How does the service position itself in the market?
Positions as a trusted, customer-friendly regional bank with a strong technology focus.
Which fiat currencies does the service support?
Primarily supports Indian Rupees (INR) for all banking and payment operations.
Are cryptocurrencies supported? Which ones specifically?
Cryptocurrency support is not offered by Indian banks, per RBI regulations.
Is there a proprietary cryptocurrency or token?
Dhanlaxmi Bank does not offer a native cryptocurrency or token.
Can currencies be converted within the service?
Currency conversion is offered for forex travelers through branch services and partner networks.
What exchange rates are used for conversion?
Exchange rates are based on RBI-approved rates and ongoing market prices updated daily.
How often are exchange rates updated?
Exchange rates are updated daily or as per market movements, in line with RBI standards.
Are stablecoins supported?
Stablecoins are not supported by regulated Indian banks.
Can exotic currencies be handled?
Exotic currency exchange is available at select branches; availability is limited to major foreign currencies.
Are there currency restrictions in different countries?
Currency operations are subject to RBI and FEMA regulations restricting certain countries.
What types of transfers does the service support?
Supports NEFT, RTGS, IMPS, UPI, and international SWIFT transfers.
Can transfers be made between service users?
Yes, transfers can be made between Dhanlaxmi Bank account holders using online or mobile banking.
Are transfers to bank cards supported?
Transfers to bank cards can be initiated via IMPS, NEFT, and select card-linked payment options.
Can money be transferred to bank accounts?
Money can be transferred to other domestic and international bank accounts.
Is bill payment available?
Bill payment for utilities, recharges, credit cards, and more is offered via online/mobile platforms.
Are recurring payments supported?
Recurring payments can be set up using standing instructions or auto-debit mandates.
Can automatic transfers be set up?
Automatic transfers are available by scheduling via net/mobile banking or standing instructions.
Is payment scheduling available?
Payment scheduling features are provided in online banking for future-dated transactions.
Are group payments supported?
Group payment options are limited; splitting features may not be available in retail apps.
Can payment links be created?
Payment links can be generated via UPI and merchant payment solutions at select branches.
What are the minimum transaction amounts in the service?
Minimum transaction amounts for most transfers start at ₹1; specific services may have different limits.
What are the maximum amounts that can be transferred?
Maximum transfer amounts depend on transfer mode—IMPS: ₹2 lakh/day, NEFT/RTGS: higher limits; subject to account type.
Are there daily limits on operations?
Daily limits exist for cash withdrawal, online transfers, and card payments, varying by user and transaction mode.
What monthly and annual limits are in effect?
Monthly/annual limits depend on bank policy, account type, and regulatory norms.
Can limits be increased? How?
Limits can be increased by upgrading account, verifying identity, or requesting via customer care.
Do limits differ for verified users?
Verified/premium users typically have higher limits for transactions and services.
Are there restrictions for new accounts?
New accounts may have lower limits and additional checks until full KYC is completed.
Do special limits apply in different countries?
International transfer and currency limits apply per RBI and FEMA regulations.
Can operations be temporarily blocked?
Operations can be blocked due to suspicious activity, compliance, or user request.
Are there limits on the number of daily operations?
Daily transaction counts are capped by regulatory guidelines or risk controls.
What are the minimum amounts for account funding?
Minimum deposit is usually ₹1,000 for savings/current accounts; varies by account type.
What methods of funding are supported?
Supported methods include cash deposit, cheque, NEFT, IMPS, UPI, RTGS, and debit card transfer.
Are there fees for funding?
Fund transfer methods like NEFT/RTGS may carry fees; digital deposits via UPI are generally free.
What are the minimum funding amounts?
Minimum deposit thresholds depend on account segment and transfer method.
How quickly are funds credited when funding?
Funding is credited instantly or within hours, depending on the channel used.
How can money be withdrawn from the system?
Withdrawals via cash at branch/ATM, cheque clearing, or online transfer to other banks.
Are there fees for fund withdrawal?
Cash withdrawals at ATMs may incur fees above free limits; online transfers may carry nominal fees based on channel.
How long does withdrawal take?
Cash/ATM withdrawals are instant; online bank transfers typically complete within minutes to hours.
What withdrawal limits are set?
Withdrawal limits depend on account type, mode, and regulatory caps (e.g., ATM limits).
How quickly are funds credited when funding with a card?
Card funding via ATM or POS is generally instant.
How long does a bank transfer take?
NEFT may take a few hours; IMPS is instant; RTGS clears within minutes during banking hours.
How quickly do cryptocurrency transfers arrive?
Cryptocurrency transfers are not supported.
Are transfers between users instant?
Internal transfers and UPI/IMPS are instant.
Are there delays when funding on weekends?
NEFT does not operate on Sundays or bank holidays; IMPS/UPI are generally available 24/7.
Do holidays affect funding speed?
Yes, non-working days can delay NEFT/branch-based funding.
Can crediting be accelerated for a fee?
Express crediting services are not standard for regular savings banks.
What determines the speed of funding processing?
Processing channel, time of request, holiday schedule, and authentication affect speed.
Are there notifications about funding status?
SMS/email notifications are sent for successful account funding and transfers.
What to do if funding takes too long?
Contact customer care, provide transaction details, and file a complaint if resolution is not received.
How quickly are withdrawal requests processed?
Withdrawals via ATM and digital channels are processed instantly; branch requests may take longer.
How long does card withdrawal take?
ATM/POS card withdrawals are immediate, subject to network uptime.
How quickly do bank transfers arrive?
IMPS/UPI transfers are instant; NEFT during scheduled slots; RTGS for large amounts during hours.
Are cryptocurrency withdrawals instant?
Cryptocurrency withdrawals are not available.
Are there withdrawal delays on weekends?
NEFT is delayed on weekends; IMPS, UPI, and ATM withdrawals remain available.
Do holidays affect withdrawal speed?
Yes, bank holidays impact NEFT/branch transactions; ATMs and digital channels may still operate.
Can withdrawal be accelerated for an additional fee?
Express withdrawal options are not provided for savings accounts.
What determines withdrawal processing time?
Withdrawal speed depends on transaction method, working hours, and security checks.
Are there notifications about withdrawal status?
SMS and email alerts inform users of withdrawal status and completion.
Can a withdrawal request be canceled?
Most banks allow cancellation before processing; after that, funds release cannot be reversed.
How to register with the payment service?
Open an account online or at a branch; fill out the application, submit KYC documents, and create login credentials.
What data is needed to create an account?
Personal information, identity proof, address proof, PAN card, and photographs are required.
Can registration be done without email?
Account registration usually requires a phone number; some banks allow email-free onboarding.
Is phone confirmation required during registration?
Mobile phone verification is required to activate online/mobile banking services.
Are there age restrictions for registration?
Applicants must be at least 18 years old for regular accounts; minors require guardianship.
Can a corporate account be created?
Business accounts can be opened with additional documentation such as incorporation, PAN, and business address proof.
Is it required to provide real data?
Real identity and address data are legally required for KYC and AML compliance.
Are there country restrictions for registration?
Only Indian residents and eligible NRIs may open accounts, subject to regulations.
How long does account activation take?
Account activation typically takes 1-3 business days after documentation submission.
What verification levels exist?
Basic and enhanced KYC levels exist, with added limits and services at advanced verification stages.
What documents are required for basic verification?
Basic KYC requires PAN card and address proof, such as Aadhaar, voter ID, or passport.
Are documents needed for full verification?
Full KYC includes income proof, utility bill, business incorporation documents (for corporate clients).
Are digital copies of documents accepted?
Digital document upload is accepted for online onboarding via secure portals.
How long does the verification procedure take?
Verification is completed in 1-3 business days, depending on documentation and user status.
Can the service be used without verification?
Basic account functions may be available without full KYC, but transactions are limited.
What restrictions apply to unverified users?
Unverified users have lower transaction limits and cannot use some banking/payment features.
Is address confirmation required?
Address confirmation is required for full account activation as per RBI rules.
Is a selfie with documents required?
Some digital onboarding procedures request a selfie with KYC documents for identity validation.
How often do documents need to be updated?
KYC updates are required every 2–8 years or if personal details change.
What encryption technologies does the service use?
Uses SSL/TLS encryption for online banking and database security protocols.
Is two-factor authentication supported?
2FA is supported via SMS/OTP for transactions and logins.
Are there SMS confirmations for operations?
SMS alerts are sent for transactions, login attempts, and account activity.
Is biometric authentication supported?
Biometric login (Touch ID/Face ID) may be available in mobile app for compatible devices.
Is blockchain technology used?
Indian banks do not use blockchain for retail operations; pilots may exist for backend settlements.
Is there a multi-level security system?
Layered security exists including firewalls, encryption, 2FA, anti-fraud, and transaction monitoring.
How is user personal data protected?
Data is protected under RBI guidelines, with encryption and privacy policies applied to all personal information.
Is cold storage used for cryptocurrencies?
Cryptocurrency storage is not relevant for Indian banks due to regulatory restrictions.
Is there DDoS attack protection?
Banks implement DDoS mitigation solutions to protect online banking platforms.
Are regular security audits conducted?
Security audits are conducted regularly per RBI mandates and external auditor requirements.
What anti-phishing protection measures are provided?
Anti-phishing education, secure login protocols, and email/SMS alerts are used.
Is there a suspicious activity detection system?
Fraud detection systems monitor account transactions for unusual activity.
How does the service combat money laundering?
Follows AML procedures including transaction monitoring, reporting, and KYC updates.
Is there blocking of suspicious accounts?
Suspicious accounts are blocked pending investigation and regulatory reporting.
What to do when fraud is detected?
Report to bank immediately, block the account, and follow fraud dispute resolution steps.
How to report suspicious activity?
Contact customer support via hotline/email or visit a branch to report suspicious activity.
Is there compensation for damage from fraudsters?
Compensation depends on investigation outcome, liability terms, and regulatory guidelines.
What user rights exist for disputed transactions?
Users can dispute transactions; the bank investigates and may refund if fraud or error is found.
How to dispute account blocking?
Dispute account blocks by contacting support, providing KYC, and clarifying circumstances.
Is there insurance against cyber attacks?
Banks maintain cyber insurance policies covering data breach and liability.
What fees does the service charge for transfers?
Fees depend on type—UPI/IMPS: free/nominal, NEFT/RTGS: based on amount, subject to published tariffs.
Are there fees for account funding?
Funding via digital channels is typically free; some methods may incur charges.
Are fees charged for fund withdrawal?
ATM withdrawals beyond free monthly quota incur fees; online transfers may have nominal charges.
Are there fees for currency conversion?
Currency conversion attracts service fees; amounts vary by currency and operation.
Are there fees for account inactivity?
Indian banks rarely charge inactivity fees for retail customers.
Are there account maintenance fees?
Monthly/annual maintenance fees apply to some accounts, waived for minimum balance maintenance.
Are fees charged for operation cancellation?
Transaction cancellation generally does not incur fees unless processed.
Are there fees for expedited operations?
Express fees are uncommon for personal banking; applicable for business or international remittance.
Are there hidden fees?
Fee structures are published and disclosed; hidden charges are prohibited under RBI guidelines.
How are fees calculated for large amounts?
Fees increase proportionally with transfer amount for NEFT/RTGS/forex as per published slabs.
Are there different tariff plans in the service?
Multiple pricing plans exist for savings, business, and premium accounts.
What advantages does VIP status provide?
VIPs enjoy higher limits, personalized managers, priority service, and preferential rates.
How to get preferential conditions?
Apply for premium accounts, maintain high balance, or join loyalty programs for preferential terms.
Are there free operations per month?
Savings accounts offer free ATM withdrawals and select transfers up to published limits.
Are there discounts for active users?
Active users may get loyalty discounts or fee waivers per bank policy.
Are there corporate tariffs?
Corporate accounts have lower bulk transaction fees and specialized pricing structures.
Can individual conditions be obtained?
High-volume users can negotiate bespoke tariffs; subject to discussion with relationship manager.
Do promotional codes work for fee reduction?
Promotional codes for fee discounts may be offered during campaigns or onboarding.
Are there cashback programs?
Cashback is offered on select debit/credit card transactions and partner merchant spends.
Are there discounts for transaction volumes?
Volume discounts are available for business customers exceeding thresholds.
Is there an official mobile application?
Yes, Dhanlaxmi Bank offers the “DhanSmart” mobile banking app.
On which platforms is the application available?
The app is available for Android and iOS.
What functions are available in the mobile application?
Services include account management, fund transfer, bill payments, card services, and transaction tracking.
Does functionality differ from the web version?
Mobile apps provide most core features; web may support more advanced/extended banking options.
Is Touch ID/Face ID supported?
Biometric login is supported on compatible devices for enhanced security.
Can the application work offline?
Mobile apps require internet connectivity for operations; limited offline features may include viewing cached balances.
Are there push notifications about operations?
Push notifications inform users about transactions, account activity, and promotions.
Is dark theme supported?
Dark theme is offered in mobile apps for accessibility.
How often is the mobile application updated?
Updates are released periodically for security, bug fixes, and feature additions.
Are there beta versions of the application?
Beta programs may be announced for new features; check app store or website.
Is the web interface of the service convenient?
Dhanlaxmi Bank’s web platform is user-friendly but may lack advanced fintech integrations.
Is responsive design supported?
The web interface is optimized for mobile and desktop access.
In which languages is the interface available?
The interface is provided in English; regional options may be added.
Is there a night mode for the website?
Night/dark mode for web platforms is increasingly offered; check site settings.
Are hotkeys supported?
Keyboard shortcuts are less common; accessibility features may be present.
Can data be exported?
Transaction history and statements can be exported in PDF/Excel format via online banking.
Is there an API for developers?
APIs are provided for corporate/bulk payment integration and fintech partners.
Is integration with other services supported?
Integration with UPI, billers, and tax portals is enabled.
How often is the web interface updated?
Web interface updates occur periodically to maintain security and usability.
Are there virtual cards in the service?
Virtual debit and credit cards are offered for online transactions.
Can disposable cards be created?
Disposable/limited-use cards may be available for one-time payments via certain fintech/banking partnerships.
Is multi-currency account functionality supported?
Multi-currency accounts are typically not offered; forex accounts are specialized.
Are there investment products?
Investment products include FDs, mutual funds, and insurance services.
Can interest be earned on balance?
Savings account balances earn interest at published rates.
Are there credit products?
Credit products include personal, home, and business loans plus credit cards.
Is P2P trading supported?
P2P trading of assets/cryptocurrency is not supported.
Can cryptocurrencies be bought/sold?
Cryptocurrency buying/selling is not available through Indian retail banks.
Is there acquiring for business?
Merchant acquiring and POS services are available.
Are mass payouts supported?
Bulk payout solutions are offered to corporate customers via special arrangements.
Is there a loyalty program in the service?
Loyalty programs exist for debit/credit cardholders and premium accounts.
How are bonus points earned?
Bonus points can be earned through eligible transactions and promotional campaigns.
Is there cashback for operations?
Cashback is provided for select transactions, mainly via partner merchant spends.
Are there referral programs?
Referral benefits may be available for introducing new customers.
What privileges do VIP clients have?
VIPs get priority service, higher limits, faster processing, and personalized managers.
Are there seasonal promotions and offers?
Periodic offers are provided during festivals and special campaigns.
Can premium status be obtained?
Premium/VIP status is available on meeting balance or activity thresholds.
Are there partner discounts?
Cardholders enjoy discounts at partnered merchants and service providers.
Are there corporate loyalty programs?
Business accounts may offer loyalty, rewards, or fee waivers for bulk transactions.
Does the service allow operations with online casinos?
Indian banks typically restrict direct online casino payments per policy.
Are there restrictions on gambling transactions?
Gambling transactions are monitored and may be blocked under regulatory guidelines.
Can accounts be blocked for casino play?
Accounts used for prohibited casino transactions can be temporarily blocked under compliance rules.
How does the service view gambling?
As per RBI norms, gambling transactions are discouraged and may be flagged or restricted.
Are there special conditions for gambling?
Permitted gambling-related transactions follow strict compliance checks; generally discouraged.
Are casino transactions tracked?
Transactions to flagged gambling sites are monitored and reported as suspicious activity.
Can operations with gambling sites be hidden?
Transactions are transparent and subject to monitoring under AML procedures.
Are there notifications about gambling expenses?
SMS/email alerts notify users of large or flagged transactions including gambling.
Are there special fees for gambling operations?
No published special fees, but high-risk transaction monitoring may incur investigation fees.
Can limits be set on gambling?
User-defined or bank-imposed limits on gambling transactions may be available.
Is there a self-exclusion function?
Self-exclusion options may exist for card and account usage on gambling sites.
Can access to gambling sites be restricted?
Bank policies allow blocking transactions to specific categories including gambling.
Is gambling expense control supported?
Some banks provide spending analytics and alerts for gambling expenses.
Are there notifications about limit exceedance?
Notifications are sent when regulatory or user-set transaction limits are exceeded.
Can operations with casinos be blocked?
Casino-related transactions can be blocked under user request or compliance policy.
Is there gambling expense statistics?
Spending analysis is available in some banking apps, detailing gambling and discretionary spend.
Is a "cooling-off period" supported?
Banks may support voluntary cooling-off or spending suspension features for gambling.
Can help be obtained for gambling addiction?
Referral to external support organizations is provided upon user request.
Is there partnership with player assistance organizations?
Partnerships are limited but may be explored depending on regulatory norms.
How to set up gambling expense notifications?
Notifications can be configured via app settings or with help from customer support.
Which online casinos accept this payment method?
Dhanlaxmi Bank cards may be accepted by some international sites, but banking policy may restrict transactions.
Are there exclusive partnerships with specific casinos?
Indian banks generally do not partner exclusively with casinos due to regulatory reasons.
Do conditions differ when used in different casinos?
Terms depend on the merchant and bank’s compliance with gambling transaction policy.
Are there special bonuses for using this method in casinos?
Special casino payment bonuses are not provided.
Can the method be used for both deposits and withdrawals in casinos?
Deposits or withdrawals are restricted per bank/rules; check merchant acceptance.
Are there geographic restrictions for casino usage?
Indian banks restrict gambling payments in accordance with national laws and cross-border policies.
How do casino operators typically process transactions from this method?
Transactions are processed per card network rules and bank’s own compliance monitoring.
Are there typical processing times when used with casinos?
Processing may be instant or delayed, depending on compliance checks and merchant type.
Do casinos usually charge additional fees for this method?
Additional fees may be charged by merchants for card processing; check merchant policy.
Are there any known compatibility issues with major casino platforms?
Compatibility may be limited as Indian banks restrict gambling payments; users may encounter declines or blocks.