GhulamShabbirKhan/BankFAQs-Phi4 huggingface dataset:
Q: Where can I get a claim form for Travel Insurance
A: On registration of a claim, the claim form will be forwarded to you by mail, email or fax along with the intimation for the various documents required. The forms are also available on the website.
Q: What is an Retirement Plan
A: Retirement Plans refer to insurance plans which aim to offer you income/ pension after retirement when you may not have any other adequate source of income.
Q: What are the key features of CMS and eCMS of HDFC bank
A: a. CMS – - End-to-end solution to your payment and collection requirements through our Cash Management Services at extremely attractive rates - Consistently voted “Best Bank in Cash Management Services” - Cash management services are offered at over 2400 locations b. eCMS - - Tailor made product offering for electronic collections - Ease of reconciliation for your business - STP credit with real time notification - Credit confirmation to the remitter - Integrated MIS offering – secure data transmission
Q: What is the Sweep-in facility all about
A: The Sweep-In facility is a cluster deposit (held in units of Re.1). We will automatically break units of term deposits held by you, if there are insufficient funds in your Sweep-In Savings/Current Account to clear a cheque. The same will happen when you wish to withdraw money using your ATM Card and there are insufficient funds in the account. For more information on the Sweep-In facility, please click here. View more
Q: What is HDFC Life Easy Health Plan
A: HDFC Life Easy Health is a fixed benefit, health insurance plan that provides coverage against Critical Illnesses, specified Surgeries and also provides Daily Hospital Cash Benefit in case of hospitalization. This cover will be available for a period of 5 years.
Q: In what transactions is the One Time Password (IVR Password ) process applicable
A: The IVR Password process is applicable only for Credit Cards for: Registration through HDFC Bank website Registration during online shopping Password re-set through website Password re-set while shopping online View more
Q: Is there a minimum transaction amount for each scheme
A: As decided by the fund, there is a minimum transaction amount indicated against each scheme. You will get to see the minimum transaction amount in the Purchase screen after you select the Name of the scheme from the drop down menu.
Q: Is there any Surrender benefit under this product
A: There is no surrender value available under this plan for regular pay. Under single pay, only if all the options chosen by the policyholder are surrendered and no claims are made, the policy can be surrendered. The surrender value would be calculated as following: 70% x Single Premium x(1- M/P ) Where, M : policy month of surrender P : policy term in months
Q: What are the documents required to avail of the Loan Against Property
A: For Salaried Individuals Proof of Residence - Any one of Ration Card / Telephone Bill / Electricity Bill / Voters Card. Proof of Identity - Any one of Voters Card / Drivers License / Employers Card. Latest Bank Statement / Passbook (where salary / income is credited for past 6 months). Latest 6 Months Salary Slip with all deductions and last 2 years Form 16. Copies of all Property Documents. For Self-Employed Individuals Certified Financial Statement for the last 2 years. Proof of Residence - Any one of Ration Card / Telephone Bill / Electricity Bill / Voters Card. Proof of Identity - Any one of Voters Card / Drivers License / Employers Card. Latest Bank Statement / Passbook (where salary / income is credited for past 6 months). Copies of all Property Documents. View more
Q: How should I get the IVR Password  if I hold an add-on card
A: An IVR password can be requested only from the registered mobile number and will be sent to the registered mobile number / email ID of the primary card holder only.
Q: What form is silver being sold in
A: Mudra - Pure silver will be sold in the form of rectangular bars.
Q: Can I buy more than one policy
A: You can buy more than one policy subject to successful underwriting
Q: What are the tenure options available
A: The choice is yours. You can choose any repayment option from 12 to 84 months all specially designed to suit your requirements.
Q: How soon can the card be used after it is purchased
A: Your card will be activated & loaded with required currency within 4 hours from the bank having received clear funds from you. The card will be ready for use post activation.
Q: What is the procedure to add/modify or delete a nominee for all my accounts and deposits
A: To add/modify or delete a nominee you will need to fill the nomination form and submit it to your nearest branch. The branch will assist you after the form has been submitted by you.For more details, Contact Us
Q: When does my policy acquire a Guaranteed Surrender Value (GSV)
A: It is advisable to continue your policy in order to enjoy full benefits of your policy. However, we understand that in certain circumstances you may want to surrender your policy.The policy will acquire a Guaranteed Surrender Value (GSV) provided 2 full years’ premium has been paid for premium payment term of less than 10 years and 3 full years’ premium have been paid for premium payment term of 10 years and above.The GSV shall be the aggregate of: Percentage of total premiums paid Percentage of accrued bonuses & accrued guaranteed additions Premiums will exclude any underwriting extra premiums and any taxes paid For details on GSV percentage (factors), please refer to the Product Brochure.
Q: How do i get my card reissued post the expiry of the ISIC ForexPlus Chip Card
A: You simply need to walk into our HDFC Bank branch with the required documentation and walk out with new ISIC ForexPlus Chip card. The new card issued to you will get activated within 4 hours and the available funds in expired card will be get automatically transferred to the new card.
Q: In what form are these bonds issued
A: Bonds are issued in the form of a Bond Ledger Account in denominations of Rs. 1000.
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 Center: 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 Center: 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 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: When will I get my Enrollment Benefits on the JetPrivilege – HDFC Bank World Debit Card
A: Your Rs. 750/- discount voucher code will be sent to you to your registered email ID within 7 days of payment of annual fee for your Debit Card.
Q: How can I get my address changed in my loan account
A: In order to change your address in our records, you may visit the nearest Retail Loan Service Center and submit the following documents: Request form for Address Change. Self Attested copy of your revised address proof along with the original address proof for validation. 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: Where I can view my card balance and card history
A: Card balance and card history can be viewed at www.hdfcbank.com after due login or can be accessed by calling/writing to customer service centre at the phone number and/or E-mail address listed on the back of your card.
Q: What are the factors to consider while buying a Children’s Plan
A: Consider the inflated costs of a normal educational course or any other requirements that your child might have in the future. This should be your targeted savings amount, which you would want to receive when the policy matures. Ideally, the term you should choose for the plan is when your child is in a position to require the money. Thereafter, you need to sit with your Relationship Manager to work out the amount to be invested and the level of protection required.
Q: Which documents should I carry at the time of visiting HDFC bank
A: You need to carry an Agreement Number, Self-attested Identification Proof containing your signature to avail of any information / deliverable along with a written request and produce the documents at the Customer Service Desk. If you want to change your address / contact details, you need to submit an address change request along with a Self-attested copy of your revised address proof. The Request form for Address Change is available on the Form Centre of HDFC Bank website. View more
Q: What are the different classes of vehicles which can be insured by HDFC ERGO
A: We can provide both Comprehensive and Liability Only Policies for all classes of vehicles mentioned below: Private Car Two Wheelers Commercial Vehicles Goods Carrying Vehicles (GCV) Trailers Passenger Carrying Vehicles (PCV) Miscellaneous and Special Types of Vehicles
Q: Can I redeem my reward points abroad
A: No. You cannot redeem ‘Thanks Again’ reward point abroad. You need to redeem the same within options available in India only.
Q: I’m part of a Trust – can I open a Super Saver Account
A: Only Resident Individuals and Hindu Undivided Families are eligible to open a Super Saver Account.
Q: Are all Health Suraksha policy holders eligible for a health card
A: Yes, all policy holders are eligible for a health card as it is an important component of the policy.
Q: What are the implications of booking an FD without PAN
A: In the absence of PAN, following are the implications for customers: TDS will be recovered at 20%(as against 10%) NO TDS credit from the Income Tax department NO TDS certificate will be issued (As per CBDT circular no:03/11) Form 15G/H and other exemption certificates will be invalid and penal TDS will apply View more
Q: Which all locations HDFC Bank Consumer Durable Loan is available currently
A: Mumbai, Delhi, Bangalore, Chennai, Pune, Hyderabad, Jaipur, Chandigarh, Cochin, Ahmedabad and Kolkatta
Q: What do you mean by exclusions
A: Exclusions are situations or conditions where in HDFC ERGO is not liable to pay the benefits to the insured person in the event of an accident.
Q: Can I take monthly payouts instead of annual payouts
A: Yes.The policyholder shall have an option to receive the survival benefits (other than the final payout, payable on maturity) in monthly installments. If so opted for, the monthly survival benefit shall be: 8.5% of the annual survival payout, payable over a period of 12 months, with the first installment being paid on the policy anniversary on which annual survival payout falls due
Q: Do I need to undergo medical test for buying this policy
A: You are not required to undergo any medical tests up to the age of 55 years, except if you have declared any pre-existing diseases or ailments at the time of applying for the policy. In such cases and for applicants above age 55 years, one has to undergo the specified medical tests.
Q: Can I use e-Monies NEFT for foreign remittances
A: This is a service designed only for remitting Indian Rupees within India.
Q: What is the Death-Benefit under the plan
A: On death of the life assured, provided all due premiums are paid, the company would pay the higher of the following Sum Assured 10 times annualised premium 105% of the premiums* paid (Premiums are excluding any taxes paid on the premium or any extra premiums) plus accrued bonuses, if any, to the nominee.
Q: What services can I avail on GCAS
A: You can avail following services Through GCAS Emergency Card Replacement Emergency Cash Disbursement Cardholder Inquiry Service Lost and Stolen Card Reporting Emergency Legal Assistance Emergency Medical Assistance Emergency Message service Emergency Ticket Replacement Assistance Emergency Translation Service Lost Luggage Assistance Note: Visa Charges are applicable
Q: Can I use my existing Salary Account if I have changed employers
A: Yes, In case an arrangement exists, we request you to visit the nearest branch along with a letter or an e-mail received from the official Corporate email ID. The letter / e-mail should have your complete name and account number and state that you have joined the corporate.
Q: What is the tenure of the 8% Savings (Taxable) Bonds
A: The tenure of the bond is 6 years from the date of issue. No interest will accrue after the maturity of the bond.
Q: For what period can I open a Recurring Deposit
A: You can open a Recurring Deposit account for a minimum period of 6 months, and thereafter in multiples of 3 months up to a maximum period of 10 years.
Q: What is the definition of a dependent child
A: Dependent child means an unmarried dependent child residing with the insured person between the age of 3 months and up to 18 years or up to the age of 21 if in full time education.
Q: Can I buy more than one policy
A: You can buy more than one policy subject to successful underwriting.
Q: What are benefits of Smartup Solutions
A: A suitable choice of Current Account for your business and transaction needs - Alliances for your Start-up - Advisory Services - Co-working Spaces - Logistics - Public Relations - Digital Marketing services - Content Writing Smart-Buy -Accelerate your business with the right marketing channel at the right time. Get access to 37 million potential customers to accelerate your growth. Smart-Up Portal - Meet other start-ups, customers, mentors, investors all by simply registering for the Smart-Up Program Digital & Cash Management Solutions Forex Advisory
Q: If I am a NRE/NRO customer, can I apply for ASBA
A: Yes, you can apply through a physical application; however, you CANNOT currently apply through ASBA on NetBanking.
Q: Can I load multiple currencies on one Multicurrency Platinum ForexPlus Chip card
A: Yes, you can carry more than one currency on your Multicurrency card. Only HDFC Bank Multicurrency Platinum ForexPlus Chip card gives you the power of carrying multiple currencies on just one card. So now forget to apply for a new card every time you visit a different country.
Q: What do you mean by pre-existing diseases not covered under the Critical Illness plan
A: A pre-existing disease is any condition, ailment, injury or related condition for which the insured person had signs or symptoms and/or was diagnosed and/or received medical advice or treatment prior to the first policy with the company
Q: What currencies are available
A: There are ten currencies offered: Australian Dollar (AUD) Dirhams (AED) Canadian Dollar (CAD) Euro (EUR) Japanese Yen (JPY) Singapore Dollars (SGD) Sterling Pound (GBP) Swedish Krona (SEK) Swiss Franc (CHF) US Dollar (USD) View more
Q: How do I obtain a NOC from the bank if I have lost my Registration Certificate book for a vehicle under finance with HDFC Bank
A: You may obtain the NOC for a duplicate Registration Certificate book for your vehicle loan, 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 for validation. Copy of FIR or certificate from police or Acknowledgement from Police on written complaint with General Diary No. 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: What are the special privileges that HDFC Bank customers can avail of
A: If you are an HDFC Bank account holder, we have special rates of interest for you. If you have a Preferred Account or a Corporate Salary Account with HDFC Bank for more than 6 months, you can get fast approvals on your loans with minimal documentation. If you are an HDFC Bank Car Loan customer with a clear repayment of 12 months or more we can Top-Up your car loan to the extent of the original loan value.
Q: What are Tax Benefits
A: As per prevailing income tax laws, HDFC Life Health Assure Plan is eligible for Tax Benefits u/s 80D of Income Tax Act.
Q: When does the plan acquire Guaranteed Surrender value
A: The policy will acquire a Guaranteed Surrender Value (GSV) provided 2 full years’ premium has been paid for premium payment term of 7 years and 3 full years’ premium have been paid for premium payment term of 10 years or more.
Q: What do I do if I have an issue related to the product using Times points from portal/link
A: If there is any issue with the product purchased using Times points, we would request you to write to [email protected] Additionally you can always write to for any problem related to Times Points Debit Card. You are requested to mention your registered email id/ registered mobile no to identify yourself while writing to us to track your issue and resolve the same.
Q: When is TDS deducted for Regular Fixed Deposit
A: TDS is deducted every time the Bank pays/re-invests interest during the Financial year.In addition TDS is also deducted on interest accrued(but not yet paid) at the end of financial year viz. 31st March.
Q: What is a Personal Assurance Message or Personal Greeting
A: When you register for Verified by Visa/ MasterCard SecureCode, you are asked to create a Personal Assurance Message/ Personal Greeting. So when you pay online, always look for your Personal Assurance Message/ Personal Message to ensure that HDFC Bank is authenticating you. View more
Q: What are the documents required to avail of the Loans Against Rental Receivables
A: Proof of Residence - Any one of Ration Card / Telephone Bill / Electricity Bill / Voters Card. Proof of Identity - Any one of Voters Card / Drivers License / Employers Card. Latest Bank Statement / Passbook (where rentals are credited for past 12 months). Copy of current Lease Agreement Copies of all Property Documents.
Q: Is a guarantor required
A: You will require a guarantor in all cases except certain segments where you have offered agricultural land as additional collateral.
Q: I suspect someone has stolen my password or used it to make fraudulent purchases. What should I do
A: If you suspect any fraudulent activities, contact HDFC Bank immediately at your nearest customer Call Centre (for Credit Cards) or PhoneBanking Centre (for Debit Cards) and report the loss.
Q: Are there any exclusions in this plan
A: In case of death due to suicide within 12 months from the date of inception of the policy or from the date of the revival of the policy, the nominee or beneficiary of the policyholder shall be entitled to the fund value, as available on the date of death. Any charges recovered subsequent to the date of death shall be paid back to the nominee or beneficiary along with the death benefit.
Q: Can I access my account by telephone to conduct routine daily transactions
A: Yes you can. You can use PhoneBanking to perform the following operations: - Access your account details - Request account statements - Make Fixed Deposit related queries - Inquire about interest and FX rates - Request a cash delivery or pick-up - Order a new cheque book
Q: Is an overdraft facility allowed
A: Right now there is no overdraft facility for Recurring Deposits.
Q: Why should I purchase Critical Illness Insurance
A: Critical Illness Insurance provides you and your family with 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 aids Pay off of debts Any loss in income owing to a decrease in ability to earn View more
Q: Can I claim exemption under exemption under 54C with the exemption 54 and 54EC
A: Yes, you can claim exemption under 54C with the exemption 54 and 54EC.
Q: What is the death benefit that I receive if I choose HDFC Life Uday
A: On the unfortunate event of your death during the policy term, the nominee will receive the higher of : Sum Assured on Death + Accrued Guaranteed Additions + Accrued Reversionary Bonuses (if any) + Interim Bonus (if any) + Terminal Bonus (if any) 105% of Premiums paid The Sum Assured on Death shall be the higher of: Sum Assured on Maturity An absolute amount assured to be paid on death, which in this case, is equal to the Sum Assured on Maturity 10 times Annualised Premium for entry age up to 50 years and 7 times Annualized Premium for entry age greater than 50 years An additional benefit equal to 100% of ‘Sum Assured on Death’ will be payable in case of death due to an accident.
Q: What are the other things that I need to keep in mind about the IVR Password using Verified by Visa/Mastercard Secure Code
A: If you have provided 2 email IDs for our records, you need to enter any one of them for validation. Also if your email ID and mobile number are not updated, please have the details updated in our system by calling our Customer Care Centre, and attempt to register later. It is mandatory to have at least one email ID and one mobile number registered. The same will apply if there is a recent change in your mobile number or email ID. View more
Q: Can a Company ID card be accepted as a Photo ID document
A: No, a Company ID cannot be accepted as a Photo ID document. A government issued photo ID card is mandatory.
Q: What is the rate of Guaranteed Additions that s available in this policy
A: Provided the policy is in force and all due premiums have been paid, you will receive Guaranteed Additions of 3% p.a for the first 5 years of your policy over and above the Bonus that will be declared.