GhulamShabbirKhan/BankFAQs-Phi4 huggingface dataset:
Q: How is RTGS different from National Electronic Funds Transfer (NEFT)
A: NEFT is an electronic fund transfer system that operates on a deferred net settlement (DNS) basis, which settles transactions in batches. In DNS, the settlement takes place at a definite time and all transactions are held up till that instant. Any transaction initiated after a designated settlement time will have to wait till the next designated settlement time. RTGS is different because transactions are processed continuously. View more
Q: Are there extra charges for Gold Debit Card
A: You can be sure that there are no transaction charges when using your card at a merchant location. There are also no petrol surcharges, or fees for using an HDFC Bank ATM. Just remember to check for usage charge information if you access other bank ATMs.
Q: What does 3D stand for in HDFC Life Click 2 Protect 3D Plus
A: 3D stands for Death, Disease & Disability. HDFC Life Click 2 Protect 3D Plus is a comprehensive term plan that provides protection against these 3D's.
Q: What are the different Sum Insured options available underthis product
A: There are 10 different Sum Insured options to select from, starting as low as Rs.25,000. The different options available are as follows: OPTION SUM ASSURED 1 Rs 25,000 2 Rs 50,000 3 Rs 75,000 4 Rs 1,00,000 5 Rs 1,50,000 6 Rs 2,00,000 7 Rs 2,50,000 8 Rs 3,00,000 9 Rs 4,00,000 10 Rs 5,00,000
Q: Chemo & dialysis does not required local or general anesthesia will it be cover under day care
A: Yes, since chemo & dialysis are recurring procedures and does not require local or general anesthesia, in this context all such procedures will be covered & paid under day care procedures.
Q: Do I need to pay any charges for availing GCAS
A: In case you avail of GCAS services, charges as per Visa Guidelines will be charged to you. Details of charges are as follows: Reporting Lost/ Stolen Card : Nil Emergency Replacement of Card : USD 25 Emergency Cash Requirement : USD 25 View more
Q: What is the exclusion in the plan
A: In case of death due to suicide, within 12 months; From the date of inception of the policy, the nominee of the policyholder shall be entitled to 80% of the premiums paid, provided the policy is in-force. From the date of revival of the policy, the nominee of the policyholder shall be entitled to an amount which is higher of 80% of the premiums paid till the date of death or the surrender value as available on the date of death. For exclusions related to accidental death benefit, please refer the sales brochure or contact your Relationship manager.
Q: Can I reinstate the policy if it is lapsed
A: If your policy is lapsed, you may request HDFC Life in writing to revive your policy within 2 consecutive years from the date of first unpaid premium. The following conditions will apply in case of revival of the policy: All pending premium should be immediately paid along with any interest that is advised by HDFC Life. The current interest rate used for revival is 10.5% p.a. Any agreement to revive or reinstate would be subject to satisfactory evidence of good health Reinstatement request will attract the following : If the policy is revived within 60 days, only the remaining part of all time bound exclusions and waiting periods will apply If the policy is revived after 60 days, all time bound exclusions and waiting periods will be applied afresh
Q: Can I have a Super Saver Facility and a Sweep-in Facility on the same Savings Account
A: You can have both these facilities on the same Savings Account.
Q: What is the general documentation requirement to open an Institutional Savings Account
A: The following documents are required: Account opening form for non-individuals to be completed and signed by all authorized signatories Registration proof with any state regulatory authorities Certificate of Registration with the Local Charities Commissioner (for charitable trusts) Income Tax registration u/s 12A for entities as specified in RBI circular Certified Copy of the Trust Deed / Bye-laws / MOA/ Constitution Proof of address of the Trust Certified Copy of the Resolution from Board of Trustees / governing body defining who is going to be the authorized signatory in the account / authorizing the opening and conduct of the account Proof of appointment of present Trustees/ governing body members in case they are not listed in the Trust Deed / bye-laws / constitutional document PAN Card / Form 60 as may be applicable FCRA declaration for receipt / non-receipt of foreign contribution into the account Beneficial Ownership declaration (only for Trusts) Proof of identity and photographs of all trustees authorised to operate the account View more
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: I am not registered for times points program; can I apply for Times Point Debit card
A: Yes, you can apply for times points debit card. Basis your e-mail ID and mobile number provided to HDFC Bank, you’ll be registered for Times Point. An e-mailer will be sent to you with your registration details.
Q: How does this card work
A: Your HDFC Bank Multicurrency Platinum ForexPlus Chip 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.) HDFC Bank Multicurrency Platinum ForexPlus Chip 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 Multicurrency card. HDFC Bank Multicurrency Platinum ForexPlus Chip card is accepted at all Merchant Establishments displaying the VISA/MasterCard symbol. The card can be used to withdraw cash at all VISA/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 Multicurrency Cards.
Q: How can I update my E-mail ID in my Online Mutual Fund Account
A: If your E-mail ID is not updated in your Online Mutual Fund account, we request you get in touch with the nearest branch to enable us to register you for E-mail Statements of your Mutual Funds. On receipt of the form, your e-mail ID will be updated with the respective AMC within 15 working days. You will receive the holding statements on your e-mail and mailing address simultaneously after registration.
Q: Are there any additional charges for loan repayment
A: The additional charges (if any) are applicable in case you default or in case of SWAP (i.e. change the repayment mode). The charges are updated and can be viewed in the Fees & Charges section in the Bank’s website of each loan product.
Q: How many bank and depository accounts can I link to a trading account
A: You can link up to five HDFC Bank Saving Bank accounts and five HDFC Bank Demat accounts to your trading account.
Q: What should I do and whom to contact if my card is lost
A: In case your card gets lost or stolen, all you have to do is call HDFC Bank Phone Banking immediately and report the loss of your card. This facility is available 24 hrs on all days. The card can also be hotlisted using our Prepaid card NetBanking facility on www.hdfcbank.com
Q: Can a foreign national be covered under a Travel Policy
A: A foreign national working in India, with an Indian employer of a multinational company, earning in INR can be covered subject to the verification of a Ration Card and IT verification.
Q: What is the minimum balance required for an Apex Current account
A: You need to maintain an Average Quarterly Balance (AQB) of Rs. 10,00,000 in your Apex Current account.
Q: Where do I redeem Times Points
A: Please login to www.timespoint.com using your registered email id and follow the simple steps: Click on the redeem tab and view the offers Select an offer and click on Redeem Enter delivery location with pin code verification Mention contact details and click on “Continue” Review and confirm your order. On successful redemption you will receive a confirmation on your registered email id. You can manage your Times Points thru an Times Points App available on iOS& Android Platform Please check for the confirmation email In case of query regarding registration to Times Points account, earning and redemption of Times Point please write to [email protected]
Q: With Merchant Plus Current Account can I make payments to my suppliers at HDFC Bank Branches through Single Cheque Book
A: Yes. When you open an account, you will be issued an at-par cheque book, which is payable at HDFC Bank branches.
Q: How do I redeem Mutual Fund units over the Net
A: Only Mutual Funds that are bought (purchased) through the Investment Services Account can be redeemed through this service. On NetBanking: To redeem Mutual Fund you have to login to the website with your Customer ID and IPIN and go to the Mutual Funds Tab. Click on the redemption link and then select the Investment Services Account No. from the drop down and the Mutual Fund that you want to redeem. Select the Scheme name and the Amount or number of units you want to redeem in the next screen keeping in mind the minimum transaction amount. You can choose to redeem all or part of your units by specifying the number of units and amount. The transaction will be processed and the redemption proceeds will be directly credited into your bank account. View more
Q: What is the co pay that will need to be borne by the Life Insured in case of hospitalization in non network hospitals
A: The Life Insured has to bear a co-pay of 20% of the total hospital bill if they get hospitalized in any non-network hospital.
Q: What are the currencies available for HDFC Bank ForexPlus Platinum card
A: The HDFC Bank ForexPlus Platinum card is currently available in 5 currencies, i.e. USD, Euro, GBP, HKD and THB.
Q: What happens if my card is lost
A: In case your card gets lost or stolen, all you have to do is call HDFC Bank PhoneBanking immediately and report the loss of your card. This facility is available 24 hrs. on all days. In case if you have been issued a back-up card in the kit, you can activate the back-up card by calling HDFC Bank Phone Banking or through Prepaid NetBanking. Once the back-up card is activated, all the funds from primary card will be transferred automatically to the back up card.
Q: What are the charges I need to pay to foreclose my Loans Against Rental Receivable
A: In case you wish to foreclose your Loan Against Property, the foreclosure charges are applicable on the outstanding principal or Outstanding Limit as the case may be.(Pre-payment is allowed only after 6 months from the date of loan disbursement).
Q: During the policy period, if I add accessories like a music system in my vehicle, are they also covered
A: Yes, they will be, as long as you make a written request to us with a description of the accessory along with its value. You may also have to pay an additional premium.
Q: Do I need a guarantor for Loan against Car
A: No. The car itself acts as a security.
Q: Do I need a guarantor
A: No, but in case if you don't meet the Bank's norms then you may be required to have a guarantor surety. A guarantor becomes a co-endorser and assumes liability in event of default. To stand surety for your loan.
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 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: How do I register my HDFC Bank Card
A: You can register your HDFC Bank Card through the HDFC Bank Website or through any participating online shopping site when prompted for registration.
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 Note: Visa Charges are applicable
Q: Does this policy have hospital cash benefit
A: Yes, depending on the plan selected hospital cash provides a benefit up to Rs. 500 everyday upto a maximum of 45 days in case of hospitalization due to an accident.
Q: Is there moratorium/repayment holiday available (Education Loans For Foreign Education)
A: Yes. A moratorium/repayment holiday is available for select courses.
Q: What should I do in the case of a void transaction for International Business Debit Card
A: Just fax us a copy of the void transaction slip. You can also send it to or submit the same at your nearest HDFC Bank branch. For PhoneBanking numbers Click Here.
Q: How much of Times points will I earn for each activity on TIL
A: The number of points to be earned for each activity is dynamic and it ranges from 1-5. The points to be earned will be visible to you while you are logged in to your account.
Q: Who do I contact in the case of hospitalization
A: You have to contact the International SOS immediately in the case of hospitalization. They also provide any information to deal with any problem regarding claims.
Q: What is the exclusion in the 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 register for Verified by Visa/MasterCard SecureCode with my existing HDFC Bank Card or do I need to apply for a new one
A: Yes, you can register with any of your HDFC Bank Cards to be protected by Verified by Visa/ MasterCard SecureCode. You don’t need to apply for a new HDFC Bank Card.
Q: What should I do in case I am unable to access my Institutional Current Account through Net Banking
A: If you are unable to access you Institutional account, it may be because you have entered an incorrect Customer Identification Number (Cust ID) to log into your NetBanking Account. While opening Accounts of Institutes, separate Customer IDs are created in the name of the Institute, as well as each Authorised Signatory(ies). The latter is distinct and has to be used to access NetBanking for the Institutes Account. However, since we do not disclose the Institutes Customer ID on an unsecure e-mail, the Institute will have to contact their nearest Branch or PhoneBanking Center for this. For more details, Contact Us
Q: What is the validity of the IVR Password  using Verified by Visa/Mastercard Secure Code
A: The IVR Password is valid for 2 hours. If you do not use it within 2 hours of generation of IVR Password , it will expire. You will have to attempt registration again and use the new IVR Password . On expiry of IVR Password generated through the earlier request, you can attempt registration again to generate another IVR Password .
Q: What documents are required to change the address of an entity
A: Following documents are required to change the address of an entity:Request letter for address change signed by the Proprietor/Partner/Authorised Signatory (in case of a company)Along with following list of documents: 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. the title deeds of the property in the name of the firm duly stamped and registered TAN Allotment Letter issued in the name of the firm Latest property tax or water tax paid receipt/bill raised 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; ** This is only an indicative list. Please visit your nearest branch for details View more
Q: What is the HDFC Bank Giftplus card
A: HDFC Bank's GiftPlus card is a magnetic strip based prepaid card brought to you in partnership with VISA
Q: What form is Gold being sold
A: Mudra - Pure Gold will be sold in the form of rectangular bars.
Q: Do I have option to avail loan under the policy
A: Policy loans are not allowed.
Q: Do I need to have HDFC Bank account to purchase the Regalia ForexPlus Card
A: No, you don't need to have an account with HDFC Bank to purchase Regalia ForexPlus Card. You can just walk into any of our HDFC bank branches in India and purchase it over the counter.
Q: What is the validity period of my Card
A: Your Card is valid for 5 years.
Q: What is RTGS Funds Transfer
A: 'RTGS' stands for 'Real Time Gross Settlement'. The RTGS system is a funds transfer mechanism where transfer of money takes place from one bank to another on a 'real time' and on a 'gross' basis. This is the fastest possible money transfer system through banking channels. 'Real time' means no waiting period; transactions are settled as soon as they are processed. 'Gross settlement' means the transaction is finalized on its own, without it being bunched with any other transaction. View more
Q: In which other ways can I get in touch with the bank for details on Two Wheeler Loans
A: You can Call us or Visit our branch. Alternatively, for more details on our Two Wheeler Loans, SMS TW to 5676712 or write to
Q: Is there any tax exemption under the Health Suraksha policy
A: Yes, you can avail up to Rs. 15,000 as tax benefit under 'Section 80D'. In case you are a senior citizen, you can avail up to Rs. 20,000 as tax benefit under 'Section 80D'. Subject to changes in Tax laws
Q: Can I sell/redeem schemes bought offline through online
A: No, only those schemes bought through the online mode can be sold /redeemed through this service.
Q: Do I have the option of pre-paying the entire loan amount
A: Yes. One can pre-pay the loan any time after 6 months of availing of the loan. One merely has to pay a small prepayment fee on the outstanding loan amount.
Q: After the  First purchase, can I invest in the same AMC again on the same day
A: After your first purchase you will not be permitted to transact for a period of 3 to 4 working days, depending on the processing time of the Mutual Funds' Registrar. After you place an investment order in any Mutual Fund for the first time a Folio Number needs to be generated for that particular fund. Until the Folio number is generated you will not be allowed to place any further orders for that particular Mutual Fund. After the Folio Number is generated you can place any number of orders in any schemes of the Mutual Fund.
Q: What would be the annuity rates at the time of maturity
A: Annuity rates are a function of prevailing market conditions at the time the annuity is bought. Other factors that determine annuity rate are - gender, age, annuity option chosen & premium band. Hence, it would not be possible to commit on the annuity rate at this point.
Q: What is the maximum loan I can get against my Property
A: You can get a Loan Against Property up to a maximum of 60%* of the market value of your property. * conditions apply
Q: Which bonds are eligible under the Section 54 EC
A: The eligible bonds under Section 54 EC are RECL (Rural Electrification Corporation Ltd) and NHAI (National Highways Authority of India).
Q: If the claim amount is 6 lakhs, how much will be paid by HDFC Ergo General Insurance
A: Whatever is over and above the threshold limit will be paid.
Q: Do I need to pay additional amount over and above Cash Withdrawal Charges levied by the HDFC Bank for ATM transaction
A: In certain countries ATM Service providers are authorized to charge surcharge/convenience fees from the cardholders for accessing the ATM to withdraw money. These charges are levied by the ATM service provider over and above the charges levied by the HDFC Bank, and HDFC Bank has no control over the charges as these charges are not levied by the bank. These charges are normally displayed to you during the transaction and you have an option to either proceed with the transaction or abort if the charges are not acceptable.
Q: I have sent in my application, what happens next
A: Your application will be processed and you will be informed once your application is accepted and all the required accounts are set up. In case your application is not processed because of lack of some details, our representative will contact you by mail.
Q: Can a salary account have a joint applicant
A: Yes, parents, spouse, child or sibling can be a joint applicant to an account. The joint applicant will need to submit a valid photo ID and address proof.
Q: If I don't have an account with HDFC Bank, can I still avail of a New Car Loans
A: Repayment is preferred from a HDFC Bank account. Having an account with HDFC Bank helps in better eligibility and approval rates.
Q: What do I get at the end of the policy term
A: At the end of your policy term i.e. at maturity, you will receive your Fund Value.