GhulamShabbirKhan/BankFAQs-Phi4 huggingface dataset:
Q: Is there any restriction on withdrawal in rupees of funds held in an EEFC account
A: No, there is no restriction on withdrawal in rupees of funds held in an EEFC account. However, the amount withdrawn in rupees shall not be eligible for conversion into foreign currency and for re-credit to the account.
Q: What documents should I submit when I purchase the HDFC Bank Hajj Umrah ForexPlus card
A: Completed ForexPlus card Application Form Form A2 A photocopy of your Passport OR self attested copy of the Hajj receipt and manifest Additional address Proof in case current address of the customer is not matching with the address updated on Passport
Q: What is the minimum and maximum limit for investment in the 8% Savings (Taxable) Bonds
A: You need to invest a minimum of Rs. 1,000. However, there is no maximum limit on investment but it needs to be in denominations of Rs. 1000.
Q: Where can I burn my accumulated Times points
A: You can use the accumulated Times points on www.timespoint.com. You will be able to avail attractive offers and gifts using the Times points.
Q: How is the value topped up
A: GiftPlus cards are non reloadable in nature and hence cannot be topped up.
Q: What is the Policy Term available under this plan
A: For all options other than Life Long Protection and 3D Life Long Protection options – 5 to 40 years For Life Long Protection and 3D Life Long Protection options – Whole of Life
Q: Is there a moratorium/ repayment holiday available
A: Yes. A moratorium holiday is available for the select courses.
Q: Is there any maturity benefit under this product
A: There is no maturity benefit available under this product.
Q: Are there any transactions for which this Card should not be used
A: Yes, your Regalia ForexPlus Card should not be used towards temporary charge blocks - e.g. paying deposits at hotels, hiring of cars etc. In case you have paid these deposits using Regalia ForexPlus 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 30 days from the transaction date. Note: The Bank reserves the right to charge the Card holder for any unauthorized amounts.
Q: Can I open a joint account with a non-senior citizen for 5 Year Tax Saving Fixed Deposit
A: Yes you can open deposit with non senior citizen.
Q: Where should I contact or write to know about the existing offers on my cards
A: You do not have to call or write anywhere, you can know about the list of exciting offers on www.timespoints.com/debit.
Q: Are there any special discounts available under the Health Suraksha policy
A: The policy provides a family discount of 10%, if 3 or more family members are covered under a single policy on an individual sum insured basis.
Q: What is the minimum Average Monthly Balance I have to maintain with a Merchant Advantage Plus Current Account
A: You have to maintain a minimum Average Monthly Balance (AMB) of Rs. 1,00,000 with your Merchant Advantage Plus Current account.
Q: Can an individual open a Current Account
A: Yes. Documentation will be that of an individual, i.e. identity proof and address proof.Click here for documentation required for opening individual a Current Account.
Q: How is a Merchant Advantage Plus Current Account different from a Regular Current Account offered by most banks
A: A Merchant Advantage Plus Current Account offers you the following privileges: Free limit for cash deposits up to four times the amount swiped at the HDFC Bank EDC machine linked to your Merchant Advantage Plus Current Account Free and faster collection of outstation cheques at HDFC Bank locations Free RTGS and NEFT transactions Free BillPay and InstaAlerts Free Regular and Business Debit Cards These privileges make a Merchant Advantage Plus Current account different from a Regular Current account. View more
Q: What is the difference between Life and Life Long Protection options
A: In addition to the benefits under Life Option, Life Assured is covered for whole life under Life Long Protection option. Premiums under this option have to be paid only till an age of 65.
Q: Do I need a co-borrower for the loan
A: Yes a co-applicant is required for all full time courses.
Q: Can I load ForexPlus Chip card by making payment in Cash
A: No, ForexPlus Chip card cannot be loaded against payment of cash.
Q: What is the benefit under Hijack Distress Allowance
A: If the Common Carrier in which the insured person is abroad is hijacked, the company agrees to pay compensation for every six continuous hours in excess of the deductible.
Q: How can I get my securities released
A: Please submit a security release request letter mentioning certificate numbers, the FAS account number (Agreement number), the Overdraft account number (signed by all the account holders) and the respective security holder. This letter needs to be submitted at any of our Loan Against Securities desks or to a branch that has a Loan against securities facility
Q: How much foreign exchange can I retain after the foreign trip
A: After returning from the overseas trip, you are required to surrender unspent foreign exchange held by you within 180 days of return. You can retain foreign exchange up to USD 2,000 (or equivalent) for future use after returning back to India.
Q: How does the e-monies NEFT service differ from RGTS and EFT
A: E-Monies NEFT is an electronic payment system, used to transfer funds to any part of India. It works on ‘net settlement’, unlike RTGS that works on ‘gross settlement’, and EFT which is restricted to only 15 centres.
Q: Is there any difference in the process for ATM and Internet transaction for this Contactless Card
A: There is no difference in the transaction process for ATM & Internet transactions. For ATM transactions you need to enter the PIN and for Internet transaction you need to enter your 3D secure PIN or OTP
Q: Should I choose a Unit Linked or a non – Unit Linked plan
A: If your financial profile does not allow you to take risks through exposure to equity, bonus-based endowment plans are the most suitable for you. If that is not the case, unit-linked plans are the ideal vehicle for you to plan for your family’s future financial needs. Unit-linked plans are associated with transparent charging structure and certain flexibility, besides possessing the potential to deliver a higher amount on maturity.
Q: Whom do I contact in case of ay further queries regarding the loan
A: You can apply online on the clicking on the below given link, also you can walk into any of our branches located in 11 mentioned locations and our Sales Managers will help you with your need
Q: What are the available plans with under this policy
A: HDFC ERGO offers you a wide range of Sum Insured, from Rs. 2.5 lakh to 15 lakh with four plan options to choose.Self PlanSelf & Family PlanSelf + Dependent Parents Add-onSelf & Family Plan + Dependent Parents Add-on
Q: What is Health Insurance
A: Health insurance is a type of insurance coverage that covers the cost of an insured individual's medical and surgical expenses.
Q: Can I issue cheques to load the Regalia ForexPlus Card
A: You can load Regalia ForexPlus Card by issuance of cheque against the amount to be loaded and charges as applicable. However, cards will be loaded post realisation of the cheque deposited by you. The exchange rate applicable will be for the day on which funds are realized and card is activated.
Q: I'm not a traveller, can I still benefit from the Multicurrency Card
A: The Multicurrency Platinum ForexPlus Chip Card is only for travellers, and cannot be issued to non-travellers
Q: Are there any eligibility criteria to purchase this the Critical Illness - Platinum Plan
A: A Critical Illness policy covers individuals in the age group of 5 years to 45 years. Children between 5 and 18 years will be covered only if both parents are also insured under the policy.
Q: Where can I contact for any card or transaction related issue
A: Please call customer service centre number 07666 155 220 or write to [email protected]
Q: What happens if I shop at a Verified by Visa/ MasterCard SecureCode merchant website while I'm not registered for this feature
A: You will be prompted for online registration for Verified by Visa/ MasterCard SecureCode through a pop-up screen. You will need to authenticate yourself with your Credit/Debit Card number, Card expiry date and ATM PIN (or CVV2 and Date of birth for Credit Cards, along with your mobile number and email ID). For Debit Cards, you can choose your password to be used for Verified by Visa/ MasterCard SecureCode. For Credit Cards, a One Time Password one will be sent to your email ID instantly, which has to be used to complete the registration process. Thereafter, you can continue shopping on the merchant website. If you decide not to register immediately and cancel the pop-up screen, your transaction will not get authorized and you would not be able to complete the transaction on such websites. Therefore, it is strongly recommended that you don’t cancel the pop-up screen and register for Verified by Visa/ MasterCard SecureCode as it protects you from online frauds. View more
Q: From what date is it mandatory for me to be KYC Compliant
A: With effect from 01 January 2011, if you want to invest in Mutual Funds you are required to complete the KYC process irrespective of the amount you invest.
Q: Do I have to make any repayments during the moratorium period
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: How Do I Change / Add my Mobile Number
A: We request you to follow the procedure mentioned below to change your Mobile Number Step 1) Fill the application form available at the Branch (duly signed by all the holders). Step 2) If you are unable to visit an HDFC Bank Branch, you can send the form by post or courier. Note / Important: Instruction received through Net Banking, or scan copy, fax or email will not be processed for security and authentication purpose. Updates for InstaAlerts and / or Mobile Banking (if registered) need to be done separately. InstaAlerts Updates: Please submit your requirement at your nearest branch, through a written letter duly signed by all account holders. In case you are unable to visit a branch, you can send the letter by post or courier. Mobile Banking Updates/InstaQuery Updates: Please cancel InstaQuery on your old number and then re-register for InstaQuery on your new number by following the process mentioned below: Log in to Net Banking with your Customer Identification Number and NetBanking Password (IPIN). Click on InstaQuery Registration in the top right hand corner Select De-register for InstaQuery from the left hand side menu From the list shown, select the mobile number that needs to be de-registered Click on ‘Continue’ Select ‘Confirm’ Your InstaQuery de-registration request will be processed online Subsequently, you need to re-register for InstaQuery on the new number as below: Log in to NetBanking with your Customer Identification Number and NetBanking Password (IPIN). Click on InstaQuery Registration on the top right hand corner Select Subscribe for InstaQuery from the left hand side menu Choose your Account Number from the list of all accounts linked to your Customer Identification number. (All the account level transactions will be effective for the Primary Account selected by you at the time of registration. The primary account can be changed at a later stage using the 'Change Primary Account' facility in InstaQuery.) Provide your 10 digit mobile number along with the country code. Note that all Reliance CDMA customers need to provide a 10 digit mobile number only, without the country code. Click on the Check box which states ‘I accept Terms and Conditions’. Click on ‘Confirm’. Your request will be processed online. Alternatively, please submit the e-age banking form to a branch to avail of the InstaQuery facility. The form is available on www.hdfcbank.com, Please check for the availability of the service with your cellular service provider. View more
Q: Is nomination required in the account
A: Nomination is mandatory in the account.
Q: How many plan options are available under this plan
A: The following plan options are available under this plan. 1. Life Option 2. 3D Life Option 3. Extra Life Option 4. Income Option 5. Extra Life Income Option 6. Income Replacement Option 7. Return of Premium Option 8. Life Long Protection Option 9. 3D Life Long Protection Option The customer shall have to choose an option at the inception of the policy. The option once selected cannot be changed at a later date.
Q: Can I withdraw prematurely from my Recurring Deposit
A: Premature withdrawals are allowed, but remember that no partial withdrawal is permitted.
Q: What is meant by Organ Donor Expense
A: Organ Donor Expenses are all the hospitalisation expenses incurred by the donor for the donation of an organ (excluding the cost of the organ) to the insured during the course of an organ transplant.
Q: From where can I enquire about the status of my request to change the residential address of my HDFC Bank account
A: Please revert with the following details for us to look into the matter: Date of submission of request for address change The branch where the request was submitted Your Customer ID or Account number (in case, the same has not been mentioned earlier) Your new address Kindly visit the URL to access information for the complete address and contact details of our Branches as well as our PhoneBanking numbers. The primary benefit of this account is that it enables the account holder to track reimbursements you receive from your company separately.
Q: Can I use the DCC/ MCC option at the time of transaction
A: Whenever ForexPlus cardholder opts for DCC/MCC option on DCC/MCC enabled POS/ATM terminals, his/her transaction passes through cross currency transactions twice. It is not advisable for a ForexPlus cardholder to opt for DCC/MCC while using ForexPlus Platinum card for making payments. Please note that every cross currency transaction attracts currency conversion charges at applicable rates. Apart from this, the cardholder will also get penalised due to fluctuation in currency conversion rate.
Q: When does my Revive Policy for Personal Accident start
A: It will commence within 15 days from the date of receipt of the form and premium payment.
Q: What is the death benefit under this plan
A: The Death Benefit will depend on the Benefit Option opted under the Plan on inception. In case of unfortunate demise of the life assured during the policy term, the nominee will be paid: Classic Benefit – Higher of Sum Assured or Fund Value Classic Plus Benefit – Sum Assured + Fund Value Classic Waiver Benefit – Sum Assured + Waiver of Premium till maturity + Fund Value on maturity This is subject to minimum payment of 105% of the total premiums paid. Please refer to product brochure for more details and/or consult Relationship Manager.
Q: What is the limited premium payment term available under this policy
A: Policy term minus 5 years.
Q: Are there any exclusive benefits that come with the Times Points Debit Card
A: The Times Points Debit Card also provides exclusive discounts of minimum 10% throughout the year. These offers can be availed at merchant establishment.
Q: Can I claim under both Loss of Checked Baggage and Delay of Checked Baggage
A: No, because if your baggage and/or personal belongings are lost later, then any amount claimed and paid to an insured person under the Baggage Delay Section will be deducted from any payment under the Baggage Loss Section.
Q: What are the different types of  Commercial Vehicle Insurance available
A: There are two types of covers available: Liability Cover Only – This insures you against any legal liability following an accident involving your vehicle. It does not cover any damage to your vehicle.Package Cover – This insures all liabilities, as per the Motor Vehicle Act and damages cause to your vehicle.
Q: What is the minimum premium that needs to be paid
A: Minimum premium amounts for various premium payment frequencies are as follows: Single: Rs. 24,000 Annual: Rs. 12,000 Half-yearly: Rs. 6,000 Quarterly: Rs. 3,000 Monthly: Rs. 1,000
Q: How can I check the balance on my HDFC Bank ISIC ForexPlus Chip Card
A: You can check the balance on ISIC ForexPlus Chip 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 ISIC ForexPlus Chip Card.
Q: Whom should I contact if my card is lost or stolen
A: Immediately report the loss of your ISIC ForexPlus Chip Card by calling HDFC Bank PhoneBanking. You will not be liable for transactions on your Card Account (if any) from the moment your report is registered with the bank. Alternately you can hotlist the card with the help of Prepaid NetBanking facility.
Q: How much loan can I avail of for Professionals
A: You can avail of a loan from Rs 50,000/- to Rs 40,00,000/- depending on your income, repayment capacity and respective location product cap.
Q: What are the different benefits available under this product
A: There are 3 separate benefits available under this product namely:- Surgical Benefit: Avail up to 100% of Sum Insured in case of 138 surgeries Critical Illness Benefit: Get 100% of Sum Insured if diagnosed with any one of 18 Critical Illnesses Daily Hospital Cash Benefit: Avail Daily Hospital Cash of 1% of Sum Insured per day (Non ICU room) and 2% of Sum Insured per day (ICU) You can select 1, 2 or all the 3 plan benefits at the time of purchasing the policy.
Q: Are there any special requirements for an NRI to invest in Mutual Funds
A: Yes. In addition to the certified true copy of the passport, a certified true copy of the overseas address and permanent address will also be required. If any of the documents (including attestations/certifications) towards proof of identity or address is in a foreign language, they have to be translated into English for submission. The documents can be attested by the Consulate office or overseas branches of scheduled Commercial Banks registered in India.
Q: When will I get my enrollment Times points
A: Your enrollment Times points will be credited into your account within 72 hours of the 1st transaction using your Times Points Debit Card. Your account will be credited with one time 500 times point enrolment benefits.
Q: How do I obtain a NOC from the bank for settling a partial loss Insurance Claim for a vehicle under finance with HDFC Bank
A: You may obtain the NOC to settle the partial insurance claim in your favour, provided there are no outstandings to your loan account, by visiting any of our Retail Loan Service Center and submitting the following documents: Request form for applying for the required NOC. Original Insurance Policy (will be returned back to you at the centre, post validation). Copy of the Insurance Policy, duly self attested by you. Claim Voucher provided by Insurance Company 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. Note, for Total Loss, Claims will be settled in favour of the Bank to close the loan based on the Loan Pre-Termination Statement as on the date of request and in case of any excess claim received from the Insurance Company, a refund will be made favouring the customer. View more
Q: Who can trade in derivatives with an HDFC Securities Trading Account
A: Trading in Derivatives will be available only to those customers who have submitted their financial documents or Income proof and signed the necessary agreements.
Q: Can I choose my instalment date
A: The date of your monthly RD installment will depend on the date you opened your RD account.
Q: What Is KYC
A: KYC stands for 'Know your Client', a term commonly used for the Client Identification Process. SEBI has prescribed certain requirements relating to KYC norms for Financial Institutions and Financial Intermediaries, including Mutual Funds, to 'know' their clients. This is in the form of verification of identity and address, financial status, occupation and other personal information. An applicant must be KYC compliant to invest with any SEBI registered Mutual Fund.
Q: What if Womans Advantage Debit Card is lost or stolen
A: You will not have any liability for fraudulent transactions.
Q: I don't remember my Verified by Visa / MasterCard Securecode login Id
A: You can use your Credit/Debit card number as your login id. The login id is required only to login to Netsafe, you don't require the login id for doing online transactions.
Q: How many days in advance can I purchase foreign exchange
A: You can purchase foreign exchange up to 180 days in advance from the date of departure.
Q: Can I cancel or withdraw my IPO application (or bid) submitted using ASBA
A: Yes, you can place a withdrawal request at any time during the bidding period. Any request for bid withdrawal should be made during banking hours and by 2 PM of the issue closure date. The request will be subject to acceptance by the Stock Exchange, after which the application amount in your Account will be unblocked. Once withdrawn, the blocked amount will be available in 1 working day.
Q: What is the minimum/maximum Policy term/Premium payment term
A: Minimum Maximum Premium Paying Term (years) 5, 8 and 10 Policy Term (years) 15 25 Sum Assured (Rs) Will depend upon premium, premium payment term and policy term
Q: How do I make my premium payments
A: This is an annual policy, where the premium can be made online via Credit Card/Netbanking or Cheque
Q: Which all Times group digital properties offer times points
A: While times points is a constantly growing entity, at present users are rewarded for their digital media usage across pages listed below: www.timesofindia.com www.speakingtree.in www.economictimes.com ww.itimes.com www.maharashtratimes.com www.eisamay.com www.gaana.com www.navgujratsamay.com www.navbharattimes.com
Q: What documents are required at the time of a claim
A: The insured shall arrange for submission of the following documents required to process a claim within 45 days from the date of intimation. Duly completed claim form Original discharge summary Consultation note/ relevant treatment papers All relevant medical reports along with supporting invoices and doctors requisition advising the same Original and final hospitalization bills with detailed break-up Pharmacy Bills along with prescriptions Any other documents as may be required by the company On receipt of the claim documents the claim will be processed in accordance with the terms and conditions of the policy. View more
Q: What should I do in case I am unable to access my Company's Current Account through Net Banking
A: If you are unable to access your company 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 Companies, separate Customer IDs are created in name of the Company as well as each of the Authorised Signatory(ies). The latter is distinct and has to be used to access NetBanking for the Company's Account. However, we regret our inability to disclose the appropriate Customer ID on an unsecure e-mail and request you to contact our nearest Branch or PhoneBanking Center for this.For more details, Contact Us
Q: Can  Gift plus card used outside India
A: GiftPlus Card is a INR Prepaid card, which can be used only in India.
Q: What is the difference between Life and Return of Premium options
A: In addition to the benefits under Life Option, upon survival of the Life Assured till the end of the Policy term, Total premiums paid till date will be returned back as maturity benefit