Dhanalakshmi bank

Dhanlaxmi Bank's Cash Management Services (CMS) create significant

value for corporate customers through speedy collection of cheques,
demand drafts and pay orders from various locations. For the efficient
management of cash flow to reduce risk, minimize cost and maximize
profit, Dhanam CMS encompasses integrated collection, payments,
liquidity and receivables management. Our product range under the
Dhanam CMS umbrella ensures speed, accuracy, and efficiency.

Local Collection (DLCC)

Dhanam Local Collection simplifies the process of collecting payments.

Instead of sending cheques to the customer, dealers can deposit them
at our branches. Since there is no need to open an account at these
branches, the proceeds of the cheques would be credited to the
customer's designated account maintained at our branch upon
realization (Clear Credit).

Upcountry Collection (DUCC)

Out Station Collections are ideal when the customer is already in

receipt of cheques from his dealers. The proceeds of these cheques can
be credited to his account with the flexibility of Clear Credit and
Guaranteed Credit.

Guaranteed Credit gives credit in accordance with the agreement with

the customer i.e. on Day 0, Day 0+1, Day 0+2 etc.
Customers can opt for either Clear Credit or Guaranteed Credit,
depending on their fund requirements.

Commissions for Clear Credit are lower than for Guaranteed Credit
under CMS.

An MIS or email report of cheques presented/realized/returned etc. is

sent to the customer under CMS only. Our MIS helps customers keep
abreast of their receivable positions on an everyday basis.

Corporate customers of Dhanlaxmi Bank use the CMS to enhance their

liquidity position and efficiently manage their businesses with the
comprehensive MIS.

With 181 branches across India covered with 100% core banking
solutions, Dhanlaxmi Bank has an edge in service delivery according to
customer expectations under CMS.

The Dhanam CMS works on a hub-and-spoke model, with the central

hub located at Thrissur. CMS nodes are located at various branches and
are connected to the central hub with state-of-the-art technology.

Benefits to Clients:

Fastest collection of cheques from different locations

Most economical mode of collection

Flexible arrangements for hassle-free financial planning

Safest mode for funds transfer

Comprehensive and accurate MIS support

Hassle-free reconciliation procedure

Single point of contact for customer queries

Interest saved on account of faster collection of instruments

Competitive service charges

Capital stucture:

Capital Structure
All figures in Rs. crore(s)

Paid Up
From To Class Of Authorized Issued Paid Up Paid Up
Face
Year Year Share Capital Capital Shares (Nos) Capital
Value

Equity
2008 2009 100.00 67.37 64115600.00 10.00 64.12
Share

Equity
2007 2008 100.00 35.32 32057800.00 10.00 32.06
Share

Equity
2006 2007 100.00 35.32 32057800.00 10.00 32.06
Share

Equity
2005 2006 100.00 35.32 32057800.00 10.00 32.06
Share

Equity
2004 2005 50.00 35.32 32057800.00 10.00 32.06
Share

Equity
2003 2004 50.00 35.32 32057800.00 10.00 32.06
Share

Equity
2002 2003 50.00 35.32 32057800.00 10.00 32.06
Share

Equity
2001 2002 50.00 17.00 13741100.00 10.00 13.74
Share

Equity
2000 2001 50.00 17.00 13737500.00 10.00 13.74
Share

1999 2000 Equity 20.00 17.00 16975245.00 10.00 16.98

 Paid Up
From To Class Of Authorized Issued Paid Up Paid Up
Face
Year Year Share Capital Capital Shares (Nos) Capital
Value

Share

Equity
1998 1999 20.00 17.00 16975245.00 10.00 16.98
Share

Equity
1997 1998 20.00 17.00 16975245.00 10.00 16.98
Share

Equity
1996 1997 20.00 17.00 16978845.00 10.00 16.98
Share

Equity
1995 1996 20.00 17.00 8743345.00 10.00 8.74
Share

Equity
1994 1995 20.00 8.55 8036575.00 10.00 8.04
Share