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Dhanlaxmi Bank offers DhanSmart mobile banking application to its retail customers to ease their banking experience. A variety of services and products are made available to the customers at the comfort of their houses at no extra cost. In addition to the mobile banking app, the bank also offers a BHIM UPI application that can be used to make payment at the merchant outlets without hassle.

Ownership Type

Private

Chairman

Sajeev Krishnan

Headquarters

Thrissur, Kerala, India

Customer Service

0487 661 3000

Founded

14 November 1927

1. How to register for and activate the Dhanlaxmi Bank Mobile Banking app?

Step 1: Install the Dhanlaxmi Bank mobile banking app from Google Play Store or Apple Store.

Dhanlaxmi Bank Register 1

Step 2: Open the app to see the following screen. Click ‘Login’.

Dhanlaxmi Bank Register 2

Step 3: Click on the ‘Create MPIN’ button in the login screen.

Dhanlaxmi Bank Register 3

Step 4: Enter your DLB debit card details such as the card number, expiry date, CVV, PIN, and your date of birth.

Dhanlaxmi Bank Register 4

Step 5: An OTP will be sent to your registered mobile number. Enter the OTP to confirm that the legitimate user is availing the facility.

Step 6: Set up a 6-digit MPIN that must be used to log into the mobile banking app. Click ‘Submit’.

Step 7: Set up a 6-digit TPIN that is to be entered to complete any transaction on DhanSmart app. Click ‘Submit’.

Step 8: You will see a success message stating that the app is activated and ready-to-use.

2. How to log into Dhanlaxmi Bank Mobile Banking app?

Step 1: Open the app and click on the ‘Login’ button.

Dhanlaxmi Login 1

Step 2: In the login screen, enter your customer ID and MPIN. Click ‘Login’.

Dhanlaxmi Bank Login 2

Step 3: Your account dashboard with different tabs and services will be displayed upon successful login.

Dhanlaxmi Bank Login 3

3. What services are available on Dhanlaxmi Bank Mobile Banking app?

  • Check account balance for savings, current, deposit, and loan accounts.
  • Access mini statement of the last 10 transactions.
  • View account details of the DLB credit card.
  • Transfer funds to own accounts, third-party account within the bank, and third-party account of another bank through NEFT and IMPS.
  • Pay credit card bills.
  • Make loan repayments.
  • Set standing instructions on fund transfers.
  • Schedule fund transfer to a later time/date.
  • Review fund transfer history.
  • Recharge your prepaid mobile, DTH, and data card connections.
  • Request for cheque book; stop cheque payment.
  • Request the status of an issued cheque.
  • Block or request for re-issuance of ATM card or ATM card PIN.

4. How to transfer funds on Dhanlaxmi Bank Mobile Banking app?

Step 1: Log into your account on DhanSmart mobile app to see your home screen.

Dhanlaxmi Bank Transfer 1

Step 2: Click on the ‘Transfers’ tab at the bottom of the screen.

Dhanlaxmi Bank Transfer 2

Step 3: You will see a host of options related to the fund transfer transaction. You can select an option based on your preference. For illustration purposes, we are selecting ‘IMPS Using Account No. & IFSC’ under the ‘IMPS – 24×7 Instant Transfer’ accordion.

Dhanlaxmi Bank Transfer 3

Step 4: If the payee is already added, you can select the payee name from the dropdown list. Otherwise, you have to add the payee to the account by listing out the name, account number, bank name, IFSC, and other details. You have to wait for four hours after adding a payee to start the transfer.

Step 5: Once you choose the payee, enter the amount you wish to transfer and key-in any remarks. Click ‘Submit’.

Step 6: The transactions details entered will be displayed for final review. If you think the details are correct, click ‘Confirm’.

Step 7: An OTP will be sent to your registered mobile number. Enter this OTP in the designated field and click ‘Complete Transfer’ button.

Step 8: A success message will be displayed after completing the transfer. A reference ID will be displayed that can be used for future reference.

5. Frequently Asked Questions (FAQs)

Q. Who is eligible for availing mobile banking services? A. Retail account holders with a mode of operation—sole owner, joint (either or survivor), and joint (anyone or survivor) are eligible to avail mobile banking services. The facility is not available for those who do not have ATM/debit card, non-individual customers, minor account holders, and for joint account holders with a mode of operation—joint and others and joint and first.

Q. What is MPIN and TPIN? A. MPIN is a 6-digit Personal Identification Number (PIN) used to log in to mobile banking application whereas TPIN is the 6-digit PIN used to authorise transactions on the application.

Q. Is there any limit on the transactions one can do on the app? A. Yes, a limit of Rs.2 lakh per transaction is set by default when you transact on the app. In addition, a daily limit of Rs.2 lakh is also set by default.

Q. Can I use my internet banking password to log into the mobile banking app? A. No, you have to set up and remember a different set of MPIN and TPIN to use with the mobile banking app.