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उत्पाद विवरण
बैंक का नाम

धनलक्ष्मी बैंक लिमिटेड.

Eligibility

यह खाता व्यक्तियों, फर्मों, कॉर्पोरेट निकायों, क्लबों और संघों द्वारा खोला जा सकता है

ब्याज दर

3.25% - 7.25%

कार्यकाल

जमा अवधि 6 से 60 महीने के बीच। 3 महीने के अंतराल पर बाद के गुणकों की अनुमति है

सावधि जमा प्रकार

संचयी

धनम संचयी जमा प्रमाणपत्र (डीसीडीसी)

धनम संचयी जमा प्रमाणपत्र (डीसीडीसी)

कर लाभ

-

साख दर

N/A

ब्याज भुगतान आवृत्ति

त्रैमासिक

संचयी/गैर-संचयी

Cumulative

विशेषताएँ

न्यूनतम जमा राशि 100 रुपये या उसके गुणक में जमा अवधि 6 से 60 महीने के बीच। 3 महीने के अंतराल पर बाद के गुणकों की अनुमति है। ब्याज दर सावधि जमा पर लागू है। न्यूनतम प्रेषण 500 रुपये है, अतिरिक्त राशि को निकटतम 100 रुपये तक पूर्णांकित किया जाएगा। खाते में शेष राशि का 90% तक ऋण के रूप में उपलब्ध है।

न्यूनतम निवेश राशि

न्यूनतम जमा राशि 100 रुपये या इसके गुणज

फीस और शुल्क
Pros
  • Guaranteed Returns

  • The interest earned is added to the principal amount quarterly, leading to a higher payout at maturity due to compounding.

  • Flexible Tenure

  • Loan Facility

  • Senior Citizen Benefit

दोष
  • Tax on Interest

  • Not Suitable for All Goals

पक्ष विपक्ष
खाता खोलने की प्रक्रिया और प्रक्रिया
कैसे खोलें?
  • Visit a Dhanlaxmi Bank Branch: This is the traditional method. Here's what you'll need to do:Locate your nearest Dhanlaxmi Bank branch.
    Ask for a Dhanlaxmi DCDC account opening form.
    Fill out the form with your details.

    Provide the required documents, which typically include:Identity proof (Aadhaar card, PAN card, etc.)
    Address proof (electricity bill, bank statement, etc.)
    Recent passport-sized photograph
    Choose your deposit tenure (minimum 6 months, maximum 60 months in multiples of 3 months) and deposit amount (minimum Rs. 100 in multiples of Rs. 100 thereafter).
    Decide on your interest payout option (interest is compounded quarterly and paid along with the principal amount at maturity).
    Select a linked savings account from which your interest can be credited (optional, but recommended).
    Discuss any questions you may have with a bank representative.
    Once everything is finalized, submit the form and documents along with your initial deposit amount. You will receive a Term Deposit Certificate as confirmation.

  • Open an Online DCDC through Dhanlaxmi Net Banking (if you're a Dhanlaxmi Bank customer): This is a faster option, but requires an existing account.Visit the Dhanlaxmi Bank Net Banking website (https://www.dhanbank.com/retail-netbanking/).
    Log in using your customer ID and password.
    Look for the "Term Deposits" or "Open Fixed Deposit" section.
    Choose "Dhanam Cumulative Deposit Certificate (DCDC)" from the available deposit options.
    Select your preferred tenure and deposit amount.
    Link your existing Dhanlaxmi savings account for interest credit (if desired).
    Confirm the details and complete the online application.

Application Procedure

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