Dhanlaxmi Bank Mobile Banking

Last Updated : April 22, 2025, 5:15 p.m.

Dhanlaxmi Bank mobile banking offers services primarily through its DhanSmart app, available on Google Play Store, Apple App Store, and Windows Store. The app enables retail banking customers with active savings or current accounts (individual) and an ATM/debit card to access a range of financial and non-financial transactions securely.

In this article, we will oversee all the details about Dhanlaxmi Bank mobile banking.

Dhanlaxmi Bank Mobile Banking Services

The services offered by Dhalaxmi Bank mobile banking are -

Account Management:

• View account balances, deposit details, loan accounts, and credit card summaries.
• Access mini or detailed account statements.

Fund Transfers:

• IMPS: Instant 24/7 transfers.
• NEFT and RTGS: For interbank transfers (INR only).
• Add beneficiaries for seamless transfers.

Bill Payments & Recharges:

• Pay utility bills (electricity, telephone, insurance).
• Recharge mobile phones, datacards, or DTH services.

Deposit Management:

• Open or close fixed deposits (FD) and recurring deposits (RD).

Other Services:

• Request cheque books or stop cheque payments.
• Apply for card/PIN services.
• Schedule payments with the "Pay Later" feature.

UPI Transactions:

• Use the BHIM DLB UPI app to link any bank account and make payments via Virtual Payment Address (VPA) or UPI ID.

Types of Dhanlaxmi Bank Mobile Banking

The types of mobile banking are -

DhanSmart Mobile Banking App

The DhanSmart app is the primary mobile banking platform, available on Google Play Store, Apple App Store, and Windows Store. It is designed for retail customers with active savings or current accounts (individual) and an ATM/debit card, offering comprehensive banking services.

BHIM DLB UPI App

The BHIM DLB UPI app is a UPI-based mobile banking service that allows users to link any bank account (including Dhanlaxmi Bank accounts) for quick and secure payments using a Virtual Payment Address (VPA) or UPI ID.

Dhanlaxmi Bank Mobile Banking Registration

You can register using the methods below -

1. DhanSmart Mobile Banking Registration

The DhanSmart app is the primary mobile banking platform, available on Google Play Store, Apple App Store, and Windows Store. It is designed for retail customers with active individual savings or current accounts and, typically, an ATM/debit card.

Registration Methods:

a) Self-Registration via DhanSmart App

1. Download the App:
   • Download DhanSmart from Google Play Store, Apple App Store, or Windows Store.
2. Create MPIN:
   • Open the app and select "Create MPIN" on the login screen.
   • Enter your debit card details (card number, expiry date, PIN) and registered mobile number.
   • Set a Mobile PIN (MPIN) and Transaction PIN (TPIN) for login and transactions.
   • An OTP will be sent to your registered mobile number for verification.
3. Complete Registration:
   • After OTP verification, your MPIN/TPIN is activated, and you can log in to access mobile banking services.
4. Forgot MPIN:
   • If you forget your MPIN, select "Forget MPIN" on the login screen, enter debit card details, and verify with OTP to reset MPIN/TPIN.

b) Manual Registration via Branch

1. Download Form:
   • Visit the Dhanlaxmi Bank website.
   • Navigate to Personal Banking > Online Services > Mobile Banking.
   • Download the Mobile Banking Request Form.
2. Fill and Submit:
   • Complete the form with your account details, mobile number, and other required information.
   • Submit the form at your nearest Dhanlaxmi Bank branch along with valid ID proof.
3. Verification:
   • The bank verifies your details and provides login credentials (User ID and temporary password) via SMS or email.
   • Activate the app by setting MPIN/TPIN using the provided credentials or debit card details.

c) Registration via Internet Banking

1. Access Internet Banking:
   • Log in to Dhanlaxmi Bank’s retail internet banking portal.
2. Register for Mobile Banking:
   • Navigate to the "Register for Internet Banking" or mobile banking section.
   • Enter your debit card details and registered mobile number.
   • Follow prompts to set MPIN/TPIN and complete registration.
3. Activate:
   • Download the DhanSmart app and log in using the credentials created.

Activation:

• After registration, activate the app by logging in with your User ID, Password, and OTP sent to your registered mobile number.
• Set or confirm your MPIN/TPIN for secure access.

2. BHIM DLB UPI App Registration

The BHIM DLB UPI app is a UPI-based mobile banking service for making payments via a Virtual Payment Address (VPA) or UPI ID. It can be linked to Dhanlaxmi Bank accounts or accounts from other banks.

Registration Process:

1. Download the App:
   • Download BHIM DLB UPI from Google Play Store or Apple App Store.
2. Verify Mobile Number:
   • Open the app; it automatically detects the mobile number linked to your SIM.
   • Verify the number via an SMS-based OTP sent by the app.
3. Link Bank Account:
   • Select your bank (e.g., Dhanlaxmi Bank or another bank).
   • The app fetches your account details linked to the mobile number.
   • Confirm the account you wish to link.
4. Set UPI PIN:
   • Enter your debit card details (card number, expiry date, PIN) or use an existing bank authentication method to create a UPI PIN.
   • Alternatively, verify with an OTP for certain banks.
5. Create VPA:
   • Set a Virtual Payment Address (e.g., yourname@dlb) for transactions.
6. Complete Registration:
   • After setting the UPI PIN and VPA, the app is ready for UPI payments, bill payments, and recharges.

Activation:

• The app is activated upon successful UPI PIN creation.
• Log in using the UPI PIN or biometric authentication (if supported) for transactions.

Process to Login Dhanlaxmi Bank Mobile Banking App

Steps to Log In to DhanSmart Mobile Banking App

1. Open the DhanSmart App:
   • Launch the DhanSmart app on your mobile device.
2. Enter User ID:
   • On the login screen, input your User ID (provided during registration or created via internet banking/branch).
   • Alternatively, you may be prompted to enter your registered mobile number or Customer ID depending on the app version.
3. Enter Password or MPIN:
   • Input your Password or MPIN (set during registration).
   • If you’ve forgotten your MPIN, select "Forget MPIN", enter your debit card details, and verify with an OTP to reset it.
4. Authenticate with OTP:
   • An OTP (One-Time Password) will be sent to your registered mobile number via SMS.
   • Enter the OTP in the provided field to authenticate your login.
5. Access the App:
   • After successful OTP verification, you will be logged in to the app and can access services like account management, fund transfers, bill payments, and more.

Benefits of Dhanlaxmi Bank Mobile Banking

Some of the benefits of mobile banking are -

1. Mobile banking saves time and customers can skip visiting the bank for smaller reasons.
2. Constant updates about their account which allows customers to keep a track of their account all the time.
3. Alerts help to detect and prevent frauds that can easily happen in case of mobile banking.
4. Paying bills and other petty payments are just a click away.
5. Customer bank transfers are instant that saves time and is hassle free.
6. Dhanlaxmi Bank mobile banking service is economical.

How to Reset the Password of Dhanlaxmi Bank Mobile Banking?

To reset your password for Dhanlaxmi Bank mobile banking, follow the steps below -

1. Access the Mobile Banking Application:

• Open the Dhanlaxmi Bank Mobile Banking app on your phone.

2. Locate the "Forgot Password" or "Forgot MPIN" Option:

• Look for a link or button that says "Forgot Password" or "Forgot MPIN" on the login screen.
• This option is usually found under the login credentials section.

3. Follow the On-Screen Instructions:

• The app will guide you through a process that typically involves:
  • Entering your Customer ID: Your unique Customer ID associated with your account.
  • Verifying with Debit Card Details: Providing the last 6 digits of your debit card, 4-digit PIN, and expiry date.
  • Receiving and Entering OTP: An OTP (One-Time Password) will be sent to your registered mobile number; enter it for verification.
  • Creating a New Password: Set a new password according to the bank's password policy.

Dhanlaxmi Bank Mobile Banking Transaction Limits

Below are the transaction limits for Dhanlaxmi bank mobile banking -

IMPS (Immediate Payment Service):

• Daily Limit: Up to ₹50,000 by default for mobile banking transactions, including IMPS.

NEFT (National Electronic Funds Transfer) and RTGS (Real-Time Gross Settlement):

• General Limit- The overall mobile banking transaction limit (including NEFT and RTGS) is capped at ₹2 lakh per day for each purchase, as noted for certain account types.

UPI Transactions (via DhanSmart):

• UPI transactions within the DhanSmart app follow the same daily cap as IMPS, with a default limit of ₹50,000 per day.

Dhanlaxmi Mobile Banking Customer Care

If you encounter any queries about Dhanlaxmi Bank Mobile Banking, you may contact support.

• Phone Number: You can call Dhanlaxmi Bank Customer Care at 044 42 41 30 00. They can help you with various banking services over the phone.
• Email: You can also write to them at [email protected]. Feel free to share your queries or concerns via email.