GhulamShabbirKhan/BankFAQs-Phi4 huggingface dataset:
Q: Why should I buy Critical Illness insurance
A: Critical Illness insurance provides you and your family additional financial security on the diagnosis of a critical illness. The policy provides a lump sum amount which could be used for: Cost of care and treatment Recuperation aid Debts pay off Any lost in income due to a decrease in ability to work View more
Q: Can I access my account from any HDFC Bank branch
A: Yes. All HDFC Bank branches and systems are interconnected by state-of-the-art technology and allow access at all times.
Q: What is De-pledge
A: Removal of a pledge from the security to regain the rights over the security is called de-pledge. *Conditions Apply
Q: What is the maximum deposit amount a Recurring Deposit account can be opened with
A: The Maximum installment amount you can open a recurring Deposit account with is Rs 14,99,900/- per month.
Q: How can I prematurely liquidate my Fixed Deposits
A: We request you to submit your Fixed Deposit advice, duly discharged by all account holders, at the nearest branch for premature liquidation of your fixed deposit. In the absence of your Fixed Deposit advice, you need to submit the attached Fixed Deposit Liquidation form. Visit a branch or call us You may visit the following URL to access information for the complete address and contact details of our Branches as well as our PhoneBanking numbers. NetBanking Alternatively, you can liquidate your Fixed Deposits through NetBanking. This facility is available to Fixed Deposits held under Sole Owner (SOW) relationship only.The following are the steps required to liquidate your Fixed Deposit online: Access your NetBanking account with your Customer ID and IPIN (NetBanking Password) Select the “Liquidate Fixed Deposit option under the Fixed Deposit menu from the Menu bar located on the left hand side of the web page Select the Fixed Deposit account number from the Drop-down lists Once complete, click on Continue and Confirm the details entered A new web page, confirming the Liquidating Fixed Deposit will be displayed. This facility is available on NetBanking only to customers having Account and Fixed Deposit in Sole Name Further, kindly note that: Fixed deposits booked through branch can also be liquidated on NetBanking provided the FD is held with Sole Owner Relationship Fixed Deposits in the name of Non-individuals are not allowed for liquidation through NetBanking. Additional Information - As per current policy of the bank on premature liquidation, the interest rate applicable for premature closure of deposits (all amounts) will be the lower of: The base rate for the original/contracted tenure for which the deposit has been booked OR The base rate applicable for the tenure for which the deposit has been in force with the Bank. # the base rate is the rate applicable to deposits of less than Rs.15 Lakhs as on the date of booking the deposit. Further to the Terms & Conditions of Fixed Deposit Accounts of the Bank, the penalty on premature closure of Fixed Deposits including sweep-in and partial closures has been fixed by the Bank at the rate of 1%. This is applicable for all deposits booked on or after 24th January 2011. View less
Q: What is IVR Password and how does it work
A: To make telephonic (IVR) transactions more secure, all purchases/payments to merchants that you make using your mobile or telephone need to be authenticated with an additional password. While making an IVR transaction, you will be prompted to enter the IVR password after you enter the Card number, Card expiry date and the CVV number. If you fail to enter the IVR password, the transaction will be declined. View more
Q: How do I obtain a NOC from the bank if my Registration Certificate is mutilated and  I wish to apply for a duplicate Registration Certificate book for a vehicle under finance with HDFC Bank
A: You may obtain the NOC for a duplicate Registration Certificate book for the said purpose by visiting any of our Retail Loan Service Center and submitting the following documents: Request form for applying for the required NOC. Self attested copy of the Registration Certificate book, duly self attested by you, along with the Original Registration Certificate book for validation. Applicable fee of Rs. 500//- vide a cheque/payorder/demand draft favouring HDFC Bank Ltd Loan Account No. << >>. In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer, i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided. View more
Q: How do I obtain a Duplicate Repayment Schedule for my loan account
A: You may obtain a Duplicate Repayment Schedule for your loan account, free of charge by registering for our NetBanking facility on www.hdfcbank.com and download the repayment schedule for your linked loan account. Alternatively, you may visit the nearest Retail Loan Service Center and submit the following documents Request form for Duplicate Repayment Schedule. Duplicate Repayment Schedule Charges of Rs.200/- favouring HDFC Bank Ltd Loan Account No. << >> In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer, i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided
Q: What are the available plans under the Critical Illness policy
A: You can choose to be insured for any of the following amounts: Rs. 2,50,000, Rs. 5,00,000, Rs.7,50,000 or Rs. 10,00,000.
Q: How much is the Service Tax on Cross Currency Conversion, applicable at the time of Load, Reload and Refund
A: Following are the currency conversion service tax slabs applicable at the time of Load, Reload and Refund. For more details on other charges applicable on Regalia ForexPlus Card refer section Fees and Charges Buy and Sell Forex CurrencyService Tax Amount Up to Rs. 1 lakh 0.15% of the gross value or Rs. 37.5/- whichever is higher From Rs. 1 lakh to Rs 10 Lakhs Rs. 150 plus 0.075% of the amount exceeding Rs. 1 lakh From Rs. 10 lakhs and above Rs. 825 plus 0.015% of the amount exceeding Rs. 10 Lakhs, subject to a maximum of Rs. 7500 (including Swachh Bharat Cess and Krishi Kalyan cess as applicable)
Q: What is SI
A: SI stands for Standing Instructions. It is one of the modes you can use to repay a loan, wherein your HDFC Bank account is directly debited for the EMI amounts, based on your specific instructions in the form of the Standing Instructions Mandate.
Q: Do I need to have HDFC Bank account to purchase the Multicurrency Platinum ForexPlus Chip card
A: No, you don't need to have an account with HDFC Bank to purchase the Multicurrency card. You can just walk into any of our HDFC bank branches in India and purchase it over the counter.
Q: How long will it take to update a change of address
A: Your mailing address will be updated within 7 working days once the application, with any supporting documents, is received and found to be in order. The change in address will also be confirmed through system generated mailers sent to the old as well as the new addresses. If you do not receive any update after the stipulated time mentioned above, we request you to Contact Us with the following details in order to enable us to assist you further: The date when you submitted your request The complete Branch address where the request was submitted. Click here to see details of all our bank branches The name of the executive and complete address of the executive’s source branch, if the form is handed over to an executive
Q: Must I open an account in each location where I have my company office
A: No. As a Premium Current Account holder you have the advantage of a single account, multi-location banking facility.
Q: What do I need to submit to place an IPO/NCD order through my HDFC Securities Trading Account
A: Once you are registered with HDFC securities, you can successfully place an IPO/NCD/ Infrastructure Bonds order online; or Call ‘N trade. No filling of any form or any documentation is required if you are a registered customer.
Q: Can a joint account be opened with a non-senior citizen
A: Yes, as long as the first account holder is a senior citizen.
Q: What is the price that the gold will be sold at
A: The price will depend upon the market rate of gold.
Q: Do I need to pay for hospitalisation
A: If you are admitted in any of our network hospitals, you can avail a cashless facility. We will directly reimburse all the admissible expenses to the hospital. However, in case of non-network hospitals you will have to settle hospital bills at the time of discharge and consequently, the same will be reimbursed to you by us.
Q: Who do I contact to submit a claim under Health Suraksha policy in case of hospitalisation
A: For hospitalization /claim, customer can contact via Call: 1800 200 1999 / 1860 2000 700 Fax: 1860 2000 600 Email: [email protected] Through IPO: Login to Insurance Portfolio Organizer (IPO) from HDFC Ergo website home page
Q: What will be done with the post dated cheques if I request to change the mode of repayment/ account for my loan
A: Post Dated Cheques(PDCs)/Security Cheques submitted towards loan repayment that have not been encashed, will be defaced and retained by the Bank. In case, you wish to have your old Post Dated Cheques(PDCs)/ Security Cheques to be returned to you, kindly lodge a request at the Retail Loan Service Center or through PhoneBanking or write us an email at www.hdfcbank.com/services within 45 days from the date of application of change in repayment instructions. In case, we do not hear from you within the stipulated period, the defaced cheques will be destroyed.
Q: Are there extra charges to be aware of
A: A few things to note - US Banks are given the right to add a surcharge to other bank customers accessing their ATMs. There are also certain ATMs in other countries that may levy a charge for transactions made by non-bank customers. These fees are normally displayed during the transaction. Check for this, so that you can either proceed with or end the transaction.
Q: What is the surrender benefit
A: If you surrender before completion of the 5th policy year, your Fund Value less applicable charges will be moved to the DPF and the proceeds from DPF will be paid out on the completion of the lock-in period. If you surrender after completion of the 5th policy year your Fund Value will be paid out to you. Upon payment of this benefit the policy terminates and no further benefits are payable. Please refer to the policy document for further details on Surrender.
Q: Where I can redeem my ‘Thanks Again’ Reward points
A: You can redeem points for leading domestic Airline Miles & Hotel Loyalty Points programs. As per existing arrangement, you can redeem the points against JetMiles or against Taj InnerCircle program
Q: What options should I choose to withdraw cash from the ATM
A: Generally, the options available at the ATM for cash withdrawal are Checking, Credit, and Savings. You should choose the Checking/Current option. In case the Checking /Current option is not available, you should select the Credit option.
Q: What is the Death Benefit this plan
A: In case of the Life Assured’s unfortunate demise during the Policy term, provided all due premiums have been paid, the nominee will be paid the “Sum Assured on Death”. The “Sum Assured on Death” shall be the highest of: - Sum Assured less an amount# for Partial withdrawals made, if any (as detailed below) - Fund value - 105% of total premiums paid till the date of death* #The partial withdrawals to be deducted from the Sum Assured shall be: For death before attainment of age 60 - all partial withdrawals made during the two year period immediately preceding the date of death of the Life Assured. For death on or after attainment of age 60 - all partial withdrawals made after attainment of age 58 years of the Life Assured. Upon payment of the death benefit, the Policy shall terminate and no further benefits are payable.
Q: What is the Death-Benefit under the plan
A: On death of the life assured, provided all due premiums are paid, Before the attainment of 60 years of age, the nominee will receive the higher of the following Sum assured (less all withdrawals made during the two year period immediately preceding the date of death) The total fund value On or after the attainment of age 60 years, the nominee will receive the higher of the following Sum assured (less all withdrawals made after attainment of age 58) The total fund value Minimum Death Benefit would be at least 105% of the annual premiums paid The policy will terminate thereafter and no more benefit will be payable. View more
Q: I'm a senior citizen – are there any extra benefits
A: You gain an additional 0.50% rate of interest.
Q: How do I know if I am eligible for an education loan for foreign education
A: If you are an Indian resident/citizen, have got admission for a job oriented professional / technical courses offered by reputed universities, MBA, MCA, MS, etc, Degree / diploma courses like aeronautical, shipping, etc provided these are recognized by competent regulatory bodies in India/abroad for the purpose of employment in India / abroad.
Q: Where do I find the CVV2
A: CVV2 is three digit number mentioned at reverse of your card.
Q: Can the value of the card be topped up
A: Yes, your Multicurrency card can be reloaded multiple times in future till the card gets expired. Existing bank customers can reload their Multicurrency card through HDFC Bank NetBanking by selecting Reload Forex Card under the option of Cards tab. Alternatively existing customers can also place in a request to reload the card through HDFC Bank PhoneBanking service. Incase the Card is issued by your corporate/employer, reload requests received through them will be acted upon by HDFC Bank.
Q: How can I cancel my ISIC HDFC Bank ForexPlus Card
A: To cancel your ISIC ForexPlus Card, we request you to contact the PhoneBanking team or walk into your nearest HDFC Bank branch and place a request towards cancellation. Your request will be processed within one working day of us receiving the request. There are no charges towards the cancellation of a ISIC ForexPlus Card. However, currency conversion tax as applicable from time to time will be deducted at the time of providing credit to you.Kindly visit the following URL to access information for the complete address and contact details of our Branches and PhoneBanking centers:
Q: What is the HDFC Bank MoneyPlus Card
A: It is an electronic prepaid card issued to corporate organizations.
Q: What are the different loan repayment modes
A: The loan can be repaid through a Standing Instruction (to debit your HDFC Bank Savings/Current Account for repayment of EMIs) or ECS (to debit your External Bank Account for repayment of EMIs) or by a complete set of Post Dated Cheques.
Q: What does DCC/ MCC stand for
A: DCC stands for Dynamic Currency Conversion whereas MCC stands for Multiple Currency Conversion. DCC / MCC at ATM / POS gives the cardholder an option to initiate a transaction in the currency of his choice. It also assists the cardholder to know the exact transaction value in the currency selected at the time of transaction.
Q: Can I take any loan
A: Policy loan is not offered in this plan.
Q: Where can I check the Times points earned for my transactions
A: You can login to the www.timespoint.com using your username and password to check the times point earned.
Q: How do I know my beneficiary's details for a cheque issued in my name
A: To know your beneficiary's details for a cheque issued by you / issuer name for a cheque credited in your account, please contact any of our bank branches. To download a Service Brochure, click here For more details, Contact Us
Q: Can I make multiple claims for the same or any other listed Critical Illness
A: No, you can make only one claim during the lifetime of the policy.
Q: Is Multicurrency Platinum ForexPlus Chip card enabled for Verified by VISA (VBV)
A: Ypes, Multicurrency card offered on VISA platform are pre-enabled for Verified by VISA that allows you to securely perform Ecommerce transactions. Following are the steps to perform Ecommerce transaction with VBV participating merchants: Select the goods or services you want from a online store and proceed to the payment page. Enter your HDFC Bank Multicurrency Platinum ForexPlus Chip card Visa number and the online store will connect with HDFC Bank to check whether your Card is secured with Verified by Visa. Enter your IPIN (used for login to Prepaid NetBanking) and HDFC Bank will then confirm your identity to the merchant. Your payment is authorized and your order is placed.
Q: What are the documents required for opening a Current Account of a partnership firm
A: Following documents are required for opening a Current Account of a partnership firm: Latest Partnership Deed Documents establishing proof of existence - Certificate of Registration under any Statute/Act or professional bodies - Registration Certificate issued by Registrar of Firms - Valid Business License or Certificate of Registration issued by State/Central Government authority (validity would include the grace period for renewal as mentioned in the certificate) - PAN Card in the name of the firm; - Self-signed cheque issued from the firm’s account from a PSU/private sector/foreign bank along with a bank statement not older than four months Documents for establishing proof of address - Landline telephone bill/electricity bill of public and approved private operators in the State. (Bills not to be older than 4 months from the date of account opening) - Property Ownership Deed i.e. title deeds of the property in the name of the firm duly stamped and registered - Latest property tax or water tax paid receipt/bill raised in the name of the firm - TAN Allotment Letter in the name of the firm - Existing bank account statement or passbook of a PSU/private sector/foreign bank - Statement not older than 4 months from the date of account opening to be accepted Documents for establishing photo identity of authorised partners/signatories View more
Q: How can I change the mode of repayment/ account for my loan
A: In the event that you wish to change the mode of repayment/bank account for your loan repayment, you may visit the nearest the Retail Loan Service Center and submit your request with the revised account mandate/instructions. You can opt to repay through alternate repayment instructions as follows: 1) Standing Instructions: We offer the Standing Instructions (SI) facility whereby we can directly debit your HDFC Bank account for EMI amounts on due dates. Please submit the following at your nearest Retail Loan Service Centre: Request form for swap of repayment instructions. 3 Security cheques favoring HDFC Bank Ltd Loan Account No. << >>, each undated and filled with a value equal to the sum of 3 EMIs. SI mandate duly filled and verified by HDFC Bank. In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided. 2) Electronic Clearing Service (ECS): We offer the ECS facility whereby we can directly debit your non-HDFC Bank account for EMI amounts on due dates. Please submit the following at your nearest Retail Loan Service Centre: Request form for swap of repayment instructions. Security cheques favoring HDFC Bank Ltd Loan Account No. << >> *** ECS mandate duly filled and verified by your banker. ACH(Automated Clearing House) Mandate. Swap Charges of Rs.500/- favouring HDFC Bank Ltd Loan Account No. << >> In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided. ***Security Cheques: You need to issue 1 security cheque for every 6 Equated Monthly Installments (EMI). The amount on each security undated cheque should be equal to the sum of 3 EMIs. For example, if your EMI amount is Rs. 1000 and you have paid 18 EMIs for a 36 month loan tenure, you need to submit 3 Security Cheques of Rs. 3000 each. 3) Post-dated Cheques (This mode is allowed only if the location is non ECS): Please submit the following documents at your nearest the Retail Loan Service Center : Request form for swap of repayment instructions Revised post dated cheques in favour of HDFC Bank Ltd Loan Account No. << >> for the balance EMIs. ACH(Automated Clearing House) Mandate Swap Charges of Rs.500/- favouring HDFC Bank Ltd Loan Account No. << >> In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided. View more
Q: Should I buy a plan in my Child’s name or in my own name
A: When purchasing a Life Insurance plan, it is important to remember that its main purpose is to replace an income that is lost in case of the unfortunate demise of the chief bread winner of the family (Life Assured). A child rarely has an income and therefore has no reason to be insured. If the Insurance Plan is taken in name of the child, the plan gets derailed in case of the unfortunate demise of the parent. Thus, the very objective of any Children’s Plan is undermined if the plan is acquired in the child’s name. Therefore, as far as possible, make sure that you, as a parent, are the Life Assured and the nominee or the beneficiary is your child.
Q: Do I need to pay an additional amount over and above the Cash withdrawal Charges levied by HDFC Bank for ATM transactions
A: The Banks in the U.S. are given right by the local federal laws to charge Surcharge/fees from other Bank customer's accessing their ATM to withdraw money. Accordingly many ATMs in US do levy charges for withdrawing from their ATM over and above the charges levied by the HDFC Bank. Similarly, there are certain ATMs across other countries which may levy a charge for transactions done by other bank customers. This charge is normally displayed to the customer during the transaction and the customer has the option to either proceed with the transaction or abort it.
Q: How can I stop a cheque payment
A: To make a Stop Payment request on an issued Cheque, kindly follow the steps mentioned below: Log in to your NetBanking account Click on the Stop Payment of Cheque option available under Request menu on the left hand side of the web page Select the Account Number (if more than 1 account) Enter first/Start cheque number to the last/End cheque number, with a reason for stopping the payment. Click on Continue. On the next web page, you can verify and click on Confirm tab to confirm the stop payment request. To make a stop payment request on a single cheque, enter the same number in both the fields provided. Stop payment of cheques through NetBanking is free of charge. You may obtain the cheque series from PhoneBanking and then use NetBanking to stop the cheques. Alternatively, you could use PhoneBanking or the branch to make a Stop Payment request for a cheque. Read more about fees and charges applicable to stop cheques here. These charges attract a Service Tax and an Educational Cess as applicable in terms with the current Finance Bill.
Q: Can I use the RuPay Platinum Debit Card to pay online
A: Currently your RuPay Platinum Debit Card can be used to make purchases from Domestic online merchants who have the RuPay PaySecure certification displayed on their website.
Q: What happens if I have multiple folios/accounts with a Mutual Fund
A: You can inform the Mutual Fund to update the KYC Acknowledgement against all the folios/accounts you have with it. However, each of the holders in these folios/accounts should be KYC Compliant.