GhulamShabbirKhan/BankFAQs-Phi4 huggingface dataset:
Q: Are there any transactions for which this Card should not be used
A: Yes, your ForexPlus Chip card should not be used towards temporary charge blocks - e.g. paying deposits at hotels, hiring of cars etc. Incase you have paid these deposits using ForexPlus Chip card and the hotel/car rental agency etc. settles the transaction for an amount lesser than the amount blocked or you make final payment through any different mode, the balance amount will get credited into your account only after 35 days from the transaction date. Note: the Bank reserves the right to charge the Card holder for any unauthorized amounts.
Q: How do I activate e-commerce
A: Just log on to NetBanking and enable your e-commerce transaction facility.
Q: Do I need any special equipment or software on my computer
A: No. All you need is an Internet connection and Internet Explorer 5.0 and above or Mozilla Firefox 1.5 and above or Netscape Navigator 8.1 and above. Find out if you browser is compatible by going to the Help menu on the upper right-hand side of your browser and select the About option. It will tell you what version is installed on your computer.
Q: What are the call charges for offline customers of an HDFC Securities Trading Account
A: The Call ‘N Trade facility is free of charge. Customer can place orders over the phone multiple times.
Q: Why should I buy the eGiftPlus Card
A: The Card comes with the following benefits: Instant issuance Instant activation Instant delivery Easy access to card details & balance Accepted at all major e-commerce sites Personalised card
Q: What is NEFT
A: The National Electronic Funds Transfer (NEFT) system is a nation-wide funds transfer system to facilitate transfer of funds from any bank branch to any other bank branch.
Q: Do I have option to avail loan under the policy
A: The policyholder can avail Loan under the policy provided the policy has acquired a surrender value and subject to terms and conditions as the Company may specify from time to time.
Q: What is the frequency of interest payout for a Savings Account
A: Interest earned on your Savings Account balance shall be credited to your account on Quarterly basis.
Q: I am not a technology Start-up. Can I still open SmartUp Current Account
A: Yes you can. This product caters to all start-ups with an innovative business idea.
Q: Cab sum assured be extended
A: The Sum Insured cannot be increased.
Q: Will I earn interest on the Reimbursement Account
A: The Reimbursement Account is value added benefit given to the salary account holder and hence is a non-interest bearing account.
Q: I don't see my Personal Assurance Message on the Secure page . What should I do
A: Always look for your Personal Assurance Message before entering your Verified by Visa / MasterCard Securecode password. If your Personal Assurance Message does not appear on the secure page, do not enter your password. Please contact our Customer Care Center and update the same.
Q: What is ASBA option while applying for an IPO
A: ASBA means Applications Supported by Blocked Amount. ASBA is an application containing an authorization to block the application money in the bank account, for subscribing to an issue.
Q: Are the 8% Savings (Taxable) Bonds transferable
A: No, these bonds are not transferable.
Q: What is the rate of interest for these bonds
A: The interest rate on these bonds is 6% per annum.
Q: How do I enable International Usage on my HDFC Bank Rewards Debit Card
A: Please find below the steps to enable International Usage for you HDFC Bank Rewards Debit Card: Steps to Enable International Usage on Debit Card: Log on to NetBanking Click on Cards tab and go to Debit Cards menu Click on Request Select 'Set International / Domestic Usage' Select the option 'Card to be enabled for International and Domestic/ Use' Steps to Modify Daily International Usage on Debit Card Log on to NetBanking Click on Cards tab and go to Debit Cards menu Click on Request Select 'Modify International Limit' Set your daily international limit
Q: How can I close my Online Mutual Fund Account as well as the Bank account linked with it
A: To close your Online Mutual Fund account as well as the linked Bank account, you will need to redeem or transfer all your Online Mutual Fund holdings to physical mode. Once this is done, the Online Mutual Funds Account can be closed. After closure of the Online Mutual Funds Account, the linked bank account can be closed. Please note that both the above options require a written request in the attached format. Please submit the form, duly filled at your account branch. Kindly visit the following URL to access information for the complete address and contact details of our Branches as well as our PhoneBanking numbers: PhoneBanking The above URL gives you access to the various contact points to get in touch with us through the Customer Center. View more
Q: The gold rate in the newspaper is lower than HDFC Bank’s gold rate. Why are the gold bar sold by HDFC bank more expensive that those sold in the market
A: The price of Mudra Pure Gold Bars is line with the gold price of 99.99% pure bars in the International market. The price also includes the supplier’s premium, as the product is imported from Switzerland, and the Assay Certification Cost that certifies the purity of Gold as per International Standards. This price also includes customs duty, insurance, holding cost and VAT.
Q: What is the time taken to realize outstation cheques
A: The indicative time taken for the realization of out-station cheques is given below: Cheques drawn where HDFC Bank has a branch, credit will be given on receipt of clear funds in: Main metro locations (Mumbai, Chennai, Kolkata, New Delhi): 7 working days Metro centers and state capitals (other than those of North Eastern states and Sikkim): Maximum period of 10 working days. In all other centers where we have branches: maximum period of 14 working days. Cheques drawn on non-branch locations where we have a tie-up with correspondent bank, credit will be given on receipt of clear funds: Within a maximum period of 14 working days Cheques drawn on non-branch locations where we do not have a tie-up with correspondent bank, credit will be given on receipt of clear funds: Within a maximum period of 14 working days For more details on the outstation cheque collection policy, click hereFor other queries, Contact Us
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 View more
Q: How can I check the balance on my HDFC Bank ForexPlus Platinum Card
A: You can check the balance on ForexPlus Platinum card with the help of NetBanking facility. You will need to use the card number as user ID & IPIN issued to you as part of the card kit to login to NetBanking facility. Alternately, you can also contact our PhoneBanking services to check the balance on your ForexPlus card.
Q: Reissuance of ATM/Debit Card PIN
A: For reissuance of your ATM / Debit PIN, please choose any of the following modes: A. Through NetBanking - Click on Debit card. Select Pin Regeneration Select the card number. Click on continue Select the Reason for Regeneration Check the mailing address and confirm. Click on ‘Terms and conditions’ and confirm B. Through Branch - Please download Application Form The Application Form should be duly filled and signed by all Account Holder/s Submit the duly filled Application Form at the nearest Branch On receipt of Form and successful verification, the new ATM/Debit Card PIN will be sent to your mailing address To verify your mailing address in our records, please log into NetBanking (Go to “My Contact Details) C. Through PhoneBanking - Validate your Telephone Identification Number (TIN) View more
Q: What is the policy term of the plan
A: The policy term is of whole life.
Q: What is Pledge
A: A right over the security is created in favour of HDFC Bank. Hence shares cannot be transferred or sold by the customer or shareholder.
Q: How do I know if an ATM will accept my ForexPlus Platinum Card
A: ForexPlus Platinum cards are accepted at Visa ATMs. Please look out for the VISA/PLUS logo while searching for ATM.
Q: What are the key features of this plan
A: - Protect your investment from market risks with an Assured Maturity Benefit of 101% of the Total Premiums paid - Pay premiums only once or for a limited period of 5 years - Get increasing Loyalty Additions from the end of the 6th policy year onwards to boost the Fund Value - Stay protected during the entire policy term with life insurance cover
Q: What documents should I submit when I purchase the HDFC Bank ForexPlus Platinum card
A: HDFC Bank Savings / Current account holders need to just submit completed application form, copy of ticket or the Visa and form A2 (or any other documentation as mandated under prevalant FEMA guidelines) If you don't have HDFC Bank Savings / Current account, you need to submit completed application form, copyof ticket or the Visa and form A2 (or any other Forex documentation as mandated under prevalant FEMA guidelines) as well as a Photocopy of your valid Passport.
Q: What documents do I need to submit after the loan amount is disbursed
A: You can keep the original car documents, registration certificate, insurance policy and tax papers with you; but you need to submit photocopies of these documents to the bank.
Q: What are the charges I have to pay to change the mode of repayment/ account for my loan
A: A service charge of Rs.500 is applicable for changes in loan repayment instructions issued from non-HDFC Bank Account (ECS or PDC facility). A cheque/payorder/demand draft for Rs. 500 favouring HDFC Bank Ltd Loan Account No. << >> will be required along with the revised set of repayment instructions.
Q: Can I surrender this policy
A: Yes you can surrender your policy. Once you surrender your policy, your risk cover will cease and surrender benefit will be paid out depending upon the year in which the policy is surrendered. Please refer to product brochure for more details.
Q: When will I be able to view the unit holdings in my account from the time of purchase
A: The unit holdings will be reflected within T+2 days (T being the transaction day).
Q: What will I be getting on maturity
A: At the end of the policy term, provided all due premiums have been paid, you will receive the aggregate of: Sum Assured on Maturity Accrued Guaranteed Additions Accrued Reversionary Bonuses Interim Bonus (if any) Terminal Bonus (if any)
Q: Can a laptop be covered under a Home Insurance policy
A: Yes, it is covered only while it is in the insured residential premises.
Q: How do I use Verified by Visa / MasterCard SecureCode when I shop online, once I’m registered
A: Once you have registered, you can use Verified by Visa/ MasterCard SecureCode service right away on participating merchant sites. For a full listing of these merchants, please visit your local Visa/ MasterCard website or www.visa-asia.com/verified/ or www.mastercard.com/securecode You will also find the Verified by Visa/ MasterCard SecureCode online shopping demo on these websites. View more
Q: Is there an age limit to opt for a Revive Policy for Personal Accident
A: A Revive Policy is open to anyone between the age of 18 and 65 years.
Q: What is the difference between burglary, theft and larceny
A: Burglary is when there is forceful entry in the premises in order to rob. Theft is when there is a robbery without any evidence of forceful entry in the premises. Larceny is when a known person on the premises has robbed or stolen the insured’s belongings.
Q: What details are required when I want to perform a secure IVR transaction
A: To perform a secure IVR transaction, you will need your 16-digit Card number, Card expiry date, CVV number, mobile number and IVR password.
Q: What transactions are included as a part of the free inter-city clearing limit
A: The following transactions comprise part of the free Inter-city clearing Limit: Cheques deposited into your account in other cities (in Local Clearing/within Bank) Inter-city payable-at-par cheque issuances View more
Q: How does Regalia ForexPlus Card work
A: Your Regalia ForexPlus Card will be activated with the required currencies within 5 to 6 hours from the bank getting the clear funds from you. Once active, the card can be used at any international location for making payments at POS terminals or to withdraw cash at ATMs. (Usage of the card is not allowed in India, Nepal and Bhutan.) Regalia ForexPlus Card has a chip & a radio frequency antenna embedded. When the Contactless Card is tapped/ waved against the terminal enabled for contactless payments the card transmits payment details wirelessly, eliminating the need to insert it. Account details are communicated to the reader and then processed through the secure MasterCard acceptance network in the usual way Regalia ForexPlus Card works just like any Debit / Credit Card for making payments at Merchant Establishments that have an electronic terminal. The transaction amount is deducted from available balance on the Regalia ForexPlus Card. Regalia ForexPlus Card is accepted at all Merchant Establishments displaying the MasterCard symbol. The card can be used to withdraw cash at all MasterCard ATMs worldwide. Irrespective of the currency loaded on the card, the cash will be dispensed based on the currencies supported at the ATMs. Please note that you can select /change your ATM PIN with the help of Prepaid NetBanking facility for Regalia ForexPlus Cards.
Q: Will the bank charge any additional fees if I choose the ASBA Payment Option
A: Currently this value added service is provided free of cost.
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 View more
Q: When am I liable for TDS (Tax Deduction at Source)
A: You become liable for TDS (Tax Deduction at Source) if the aggregate interest that you’re likely to earn for all your deposits is greater than Rs. 10 000 in a financial year. TDS will be deducted when interest payable or reinvested on RD and FD per customer across all branches, exceed Rs.10000 in a financial year
Q: Where do I get this card
A: ISIC ForexPlus Card is available over the counter at HDFC Bank branches. You simply need to walk into our branch with required documentation and walk out with ISIC ForexPlus Card. The card will get activated within 4 hours from realization of funds. Also you can apply by visiting www.hdfcbank.com -> Apply Online section or www.hdfcbank.com/personal/products/cards/prepaid-cards -> ISIC Student ID ForexPlus Card -> Buy Forex Card
Q: How do I register for IVR password
A: There is no registration process. However you will have to obtain a 3D Secure IVR password to perform a secure IVR transaction by sending an SMS prior to the transaction or through NetSafe/ Verified by Visa/ MasterCard SecureCode login account (as mentioned above).
Q: What does DCC/ MCC stand for
A: DCC stands for Dynamic Currency Conversion whereas MCC stands for Multiple Currency Conversoin. 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: If the money is not credited to the beneficiary’s account while using the e-monies NEFT service, will I get it back
A: Your funds will be returned to your account if they are not credited.
Q: What is meant by non-network hospitals
A: These hospitals do not form part of the company’s tie-up list. The bills are settled by the Insured and the relevant documents and bills are subsequently submitted to the TPA. The amount consequently, is reimbursed to the insured.
Q: What are included in Bulk Transactions
A: Bulk transactions include: Local Clearing Transactions Anywhere Clearing Transactions Local Fund Transfer Transactions Anywhere Fund Transfer Transactions, View more
Q: What is the amount of tax that can be saved
A: As per Section 80D, the premium paid for medical insurance is deductible from an individual’s income up to Rs. 15,000 per year. However, in case of a Senior Citizen (60 years and above) the applicable limit is Rs. 20,000 per year.If the medical insurance premium has been paid for one’s parents, an additional deduction of Rs. 15,000 can be claimed under section 80D every year. If one’s parents are Senior Citizens, an additional amount of Rs. 20,000 can be claimed. Thus, a policy holder can deduct up to Rs. 35,000 from his taxable income for medical insurance premiums paid.Premiums paid in cash will not qualify for tax benefit. Note: You cannot claim premiums paid for your in-laws or siblings (brothers and sisters). View more
Q: Can I get a loan or partial withdrawal on this plan
A: You cannot avail any loan or make partial withdrawal from this plan.
Q: What property is not covered under home insurance
A: The following properties are not covered: Properties under construction 'Kutcha' Constructions Residence-cum-office properties Residence-cum-shop Land View more
Q: Can I make payments to my suppliers at HDFC Bank branches through a single cheque book
A: Yes. When you open an account, you will be issued an at-par cheque book, which is payable at all our branches.
Q: How soon can I get an eGiftPlus Card
A: The beneficiary will get a real-time instant delivery of the HDFC Bank eGiftPlus Card
Q: What are the transaction limits for Rewards Debit Card
A: The daily limits are Rs. 50,000 at the ATM and Rs. 2, 75,000 at merchant locations as well as online transactions. This is subject to the balance in your account, and is for your account security.
Q: Can I take a loan under HDFC Life Uday in case I need money during any emergencies
A: Yes. You can take a policy loan under this policy provided that your policy has acquired a surrender value and subject to terms and conditions that the company may specify from time to time.
Q: Can I register my non-Visa payment Cards with Verified by Visa and non- MasterCard payment Cards with MasterCard SecureCode
A: Currently, Verified by Visa is only offered to protect Visa Cards and MasterCard SecureCode to protect MasterCard Cards.
Q: What is the maximum loan amount I can get for studies abroad
A: To study abroad, the maximum loan amount you can get is up to Rs. 20 lakhs.
Q: What happens when the issue fails/is withdrawn
A: In case the issue fails/ is withdrawn, HDFC Bank shall unblock the application money from the Bank Accounts upon receiving instructions from the Registrar.
Q: Is Health Insurance the same as Life Insurance
A: Life insurance covers the risk of untimely death. Health insurance covers the risk of incurring unplanned medical expenses due to unforeseen medical emergencies.
Q: Is there any charge in the LAS Account if there are no limits
A: Yes, for accounts with no limits in a month a Zero Limit charge of Rs. 1000 plus taxes for that month is levied. For details of other charges levied in LAS accounts, Click here
Q: What is the min-max age at entry/maturity
A: Eligibility Criteria Minimum Maximum Age at Entry Age (years) 14 65 Age at Maturity (years) NA 75 All ages mentioned above are age last birthday.
Q: Do I have to make any repayment during the moratorium period (Education Loans For Foreign Education)
A: You have the option of servicing simple interest during moratorium period. Simple interest will be calculated on the loan amount disbursed payable monthly.
Q: Can I get an overdraft facility on my fixed deposit funds
A: With our Super Saver Account, you can enjoy an overdraft facility of up to 90% of your Fixed Deposit funds without breaking the Fixed Deposit or losing interest on it. However, a minimum tenure of 6 months is required to open a Super Saver Fixed Deposit/ avail of the Super Saver facility on your existing deposit.
Q: Can a pension account be opened jointly
A: Pension account can be opened jointly with spouse only.
Q: What is an accident
A: Accident or Accidental means a sudden, unforeseen and involuntary event caused by external, visible & violent means
Q: What is IDV (Insured’s Declared Value)
A: The Insured's Declared Value (IDV) of the vehicle will be deemed to be the 'SUM INSURED' and it will be fixed at the commencement of each policy period for each insured vehicle. The IDV of the vehicle is to be fixed on the basis of the manufacturer’s listed selling price of the brand and model as the vehicle proposed for insurance at the commencement of insurance/renewal, and adjusted for depreciation (as per the schedule specified below). The IDV of the side car and/or accessories, if any, filled to the vehicle but not included in the manufacturer’s listed selling price of the vehicle is also likewise to be fixed. Age of the vehicles % depreciation to fix IDV Not exceeding 6 months 5% Exceeding 6 months but not exceeding 1 year 15% Exceeding 1 year but not exceeding 2 years 20% Exceeding 2 years but not exceeding 3 years 30% Exceeding 3 years but not exceeding 4 years 40% Exceeding 4 years but not exceeding 5 years 50%
Q: Can the policyholder get cashless services in case of hospitalization in a non-network hospital
A: No, the policyholder will not get any cashless service in a non-network hospital.
Q: How is HDFC Bank Premium CA different from a regular CA offered by most banks
A: An HDFC Bank Premium Current Account offers you a host of features that sets it apart from any regular Current Accounts that most banks offer.These features are: Free Intercity Clearing between HDFC Bank Branch Locations Up to 100 free payable-at-par cheque leaves per month View more
Q: What security do I need to provide to obtain Professionals loan
A: To obtain the loan, there is absolutely no need to provide any security or collateral.
Q: What documents should I submit when I purchase an HDFC Bank eGiftPlus Card
A: There no need for any documents to be submitted.
Q: Does the threshold/deductible limit consist of single claim or multiple claims
A: Threshold/ deductable limit is an aggregate deductible which the customer has to pay either from his pocket or through other Mediclaim, beyond aggregate deductible (crossed in single claim or in multiple claims in a policy year) full claim amount will be paid by HDFC Ergo General Insurance. Example-1: Single Claim in a policy year Deductible Sum Insured in HDFC Ergo General Insurance Insured Super Top up Policy Claim amt assessed Deductible Exhaustion Balance Deductible Claim amt payable by other policy / saving Claim amt payable by HDFC Ergo General Insurance Insured Super Top up Policy At inception 200,000 800,000 0 0 200,000 0 0 Claim 1 200,000 800,000 10,000,00 2,00,000 0 2,00,000 8,00,000 Example-2: Multiple Claims in a policy year Deductible Sum Insured in HDFC Ergo General Insurance Insured Super Top up Policy Claim amt assessed Deductible Exhaustion Balance Deductible Claim amt payable by other policy / saving Claim amt payable by HDFC Ergo General Insurance Insured Super Top up Policy At inception 200,000 800,000 0 0 200,000 0 0 Claim 1 200,000 800,000 150,000 150,000 50,000 150,000 0 Claim 2 200,000 800,000 300,000 50,000 0 50,000 250,000 Claim 3 200,000 800,000 550,000 0 0 0 550,000 View more
Q: Will you buy back Gold Bars purchased from your bank / branch
A: Currently, the Bank is prohibited by regulatory guidelines from buying back gold that has been sold to customers.