GhulamShabbirKhan/BankFAQs-Phi4 huggingface dataset:
Q: Who can avail of HDFC Bank Pre-owned Car Loans
A: We offer Pre-owned Car Loans to the following: 1. Salaried individuals in the age group of 21 to 60 years (at the end of the tenure) 2. Self-employed individuals in the age group of 21 to 65 years (at the end of the tenure) 3. Partnership Firms 4. Public & Private Ltd. Companies 5. HUFs and Trusts Learn how to get an HDFC Bank Pre-owned Car Loans.
Q: What information do I need to provide when using the RTGS funds transfer service
A: When using RTGS Funds Transfers, there are a few essential details to provide: Amount to be remitted Account number from where the funds will be debited Name of the beneficiary bank, and the name of the beneficiary customer Account number of the beneficiary customer Sender to receiver information, if there is one The IFSC code of the receiving branch View more
Q: Can I use my Debit Card to pay online
A: Currently your Debit Card can be used to make purchases from online merchants who have the Verified by Visa/ MasterCard SecureCode certification displayed on their web site. Learn more about using your Debit card for making online purchases here.
Q: Can I do a partial withdraw from my fund
A: You can withdraw money from your funds to meet any future financial emergencies. Lump sum partial withdrawals can be made from your funds after 5 complete policy years, provided the Life Assured is at least 18 years of age. Get 4 Free Partial Withdrawals in a policy year. Please refer to product brochure for more details and/or consult Relationship Manager.
Q: Can I cover my family members in this policy
A: You can cover your family members as given below in a single Policy on Individual Sum Insured basis. Brother, Sister, Grand Son, Grand Daughter, Daughter in Law, Son in Law, Nephew, Niece, Grand Mother and Grand Father.
Q: What is PDC
A: PDC stands for Post dated cheques. PDCs are collected for repayment of EMIs.
Q: How do I repay my Business Loan
A: You pay the loan in equal monthly instalments (EMIs). The loan will be paid through post-dated cheques. You can also pay through Electronic Clearing System (ECS ) or a standing instruction to debit your HDFC Bank account with the EMI amount
Q: What is meant by Day Care Procedures
A: Day Care Procedures are the medical procedures/surgeries wherein the person does not need to be hospitalised for more than 24 hours due to technological advancement.
Q: What is a service dispute
A: Following transactions are categorized as service dispute. Transaction declined but funds are debited from the account Amount debited but payment made through an alternate mode Excess amount debited Transaction cancelled but refund from merchant not credited Dual Debits /Duplicate debits for the same merchant, amount, date and time Damaged goods/ Quality of the product or services is not as agreed.
Q: Will the Rs.750 discount voucher be applicable only on booking done on jetairways.com
A: Yes, the Rs.750 discount voucher can be used only for online booking of a RETURN FLIGHT on Jet Airways flights through Jet Airways websites only. This discount is against the base fare.
Q: What if I Already Earn Rewards with My Card
A: If you register a reward card that already earns miles, points, or cash back, the rewards that you earn via Thanks Again will be awarded in addition to the rewards that you already may earn.
Q: I am an NRI residing outside India. How do I get myself KYC Compliant
A: The soft copy of these KYC forms will be made available on the website of all mutual funds, AMFI and Central Depository Services (India) Limited (CDSL). You may also approach your distributor for a form. The same duly completed along with the necessary attested documents can be submitted at the PoS or mailed to your representative or distributor who can complete the KYC formalities for you.
Q: What is meant by Network Hospitals
A: These are hospitals that form part of the company's network (part of the company's tie-up list). For a complete list of network hospitals, log on to our website www.hdfcergo.com
Q: How many nominees can be added to a single locker
A: A nomination can be made in favour of only one individual.
Q: What if I have already obtained a MIN
A: Scenario 1 If the MIN was obtained by submitting your PAN, the MIN Acknowledgement can be enclosed along with the Investment Application Form(s)/Transaction Slip(s) while investing for the first time in a Mutual Fund, as the PAN number will be stated on the said acknowledgement. Scenario 2 If the MIN was obtained without submitting your PAN but with other proof of identity documents, you need to carry a copy of your PAN card, and your original PAN card, for submission at the PoS. For such cases, CVL will send out a communication to you requesting you to submit your PAN for KYC compliance.
Q: Whom should I contact if my card is lost or stolen
A: Immediately report the loss of your HDFC Bank ForexPlus 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: What should I share while calling TIL to identify myself
A: Presently we do not have Tele service. You are requested to write to us for any query, request or complain to [email protected]
Q: On which mobile number will I receive the OTP
A: OTP will be sent to the registered mobile number (updated in Credit card system).
Q: What should I do if my Debit Card is not working
A: If there is a technical problem because of which your card is not working, we request you to contact us on our Phone Banking center or branch and hotlist/block the said card. Please make a request to issue a new card for your account which will be free of cost and should be delivered to you in 7 working days time once issued. For more details on PhoneBanking numbers and their timings, click here. For a comprehensive list of branches, click here. View more
Q: So how do I get an HDFC Bank Car Loan
A: To get an HDFC Bank New Car Loan, just fill the Online Application Form or Leave your Number and our representative will get in touch with you shortly. Or you can also Call us or Visit our branch. View more
Q: If I have registered two email IDs, on which email ID will I receive the IVR Password
A: If there are 2 email IDs updated in our system, IVR Password will be sent to both email IDs. However, only one of them is required for validation during registration / password reset.
Q: Does the Travel Insurance policy cover pre-existing diseases
A: This policy does not cover pre-existing diseases. A pre-existing illness is one the insured is suffering from before buying the policy.
Q: How much loan amount can be availed at a time
A: Loan value starts from Rs.50000 onwards depending on the amount of Gold brought. Loans less than Rs 50000/- also available for rural markets.
Q: I am unable to transact online as my card is de-registered status, how do I re-register my card
A: You have to login to NetSafe on the HDFC bank website using your login id & Verified by Visa/ MasterCard SecureCode password. Once you login to Netsafe click on reregister cards, enter your date of birth and CVV2 and post that the card will be reregistered. You can now use the card for online transaction.
Q: Where I can use the card
A: HDFC Bank Apollo Medical Benefits Card can be used at medical outlets, pharmacies, hospitals, diagnostic centres, dental and laboratories displaying VISA logo.
Q: Are there any transactions for which this Card should not be used
A: Yes, your ForexPlus 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 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 my Recurring Deposit be opened in joint names
A: Yes, you can open a Recurring Deposit in a joint name.
Q: What are the most important guidelines post disbursements for New Car Loans
A: Registration Certificate-Important advise HDFC Bank is in no way responsible for the delivery of the Registration Certificate. The Borrower shall submit the certified true copy of the Registration Certificate relevant to the vehicle for which the loan has been taken.The registration certificate has to be submitted within 60 days of having taken delivery of the vehicle or 150 days from the date of disbursal of the loan whichever is earlier.The Borrower is also required to submit copy of the Insurance policy as well as Invoice to the bank,within this period. Vehicle Delivery The role of HDFC Bank is to be a finance provider to the borrower and hence the Bank is not responsible for delay, non-delivery or any defect, damage in quality and workmanship of the Vehicle. The Bank is also not liable or responsible in case of defect or dispute of any nature in the title (even if the vehicle is found to be a stolen Vehicle) or ownership of the Vehicle. Loan cancellation In case of loan cancellation requested by the Borrower, in the event of non delivery of the vehicle,cancellation charges as well as interest charges till the time the refund of the loan is received from the dealer, will have to borne by the Borrower. Interstate NOCs In the event of a Borrower requiring a NOC for purpose of interstate registration,in the event of a transfer of employment or any other reason, fees of Rs 500 along with a refundable Fixed Deposit of Rs 5000 will be charged.It will be the borrower's responsibility to provide the transferred Registration certificate to the bank. We advise our customers to only deal with the Bank empanelled Direct sales associates.The Bank shall take no responsibility for any transactions undertaken by the borrower with any unempaneled direct sales associates,who may claim association with the Bank. It is also advised,that the customers should refrain from any dealings in cash with the Bank's Direct Sales associates .Borrowers should also not make any payments in cash/bearer cheque or kind in connection with the loan,to the executive,dealing with the borrower for purpose of the loan. View more
Q: Can I apply before confirmed admission
A: Yes you can apply before securing an admission.
Q: I have renewed my passport with new number. Do I need to update my new Passport number in my ForexPlus Card
A: Yes, We request you to get in touch with nearby branch along with original & copy of your passport to get the new passport number updated in the bank's records. Passport number is key validation criteria to check caller authenticity when you contact our 24 x 7 PhoneBanking service, hence it is recommended to update Passport number at the earliest.
Q: What is the discounted Premium on higher Sum Assured
A: There would be rebates in the form of lower premium rates for incremental Sum Insured over & above Rs. 10,00,000.
Q: What is the authenticity proof
A: The gold bar is packed in tamper-proof certicard packs that are see through at the manufacturing stage itself to prevent any damage / theft during transit. Moreover, the gold bars sold by the Bank come with an Assay Certification indicating the highest quality of gold at 99.99% purity as per international standards.
Q: Is employment confirmation mandatory for me to open a Basic Savings Bank Deposit Account - Salary
A: To ensure that you are an employee of the company a confirmation of employment is necessary.
Q: How do I obtain a duplicate NOC/Form 35 for a vehicle loan that has been closed and fully repaid
A: You may obtain a duplicate NOC/Form 35 for your vehicle by visiting any of our the Retail Loan Service Center and submit the following documents: Request form for Duplicate NOC/Form 35. Self attested copy of the Registration Certificate book, duly self attested by you, along with the Original Registration Certificate book for validation. Applicable fee of Rs. 500/- vide a cheque/payorder/demand draft favouring HDFC Bank Ltd Loan Account No. << >>. In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided. Please note that the Loan Closure NOC/Form 35 will not be issued if any of the following conditions apply: Copy of RC Book is not submitted. The same vehicle is encumbered to the Bank for any other loan facility. Any notice from a competent authority restraining the Bank from release of hypothecation. If there are any existing over dues, direct or otherwise, in your name. View more
Q: Why should I buy HDFC Life Health Assure Plan
A: HDFC Life Health Assure Plan provides reimbursement for unforeseen medical expenses and it comes with following unique features: Premium guarantee for three years i.e. premium does not change even after a claim has been made. If there is no claim under the policy , then your cover will be doubled after 2 claim-free years under multiplier benefit Plan offers Guaranteed Lifetime Renewability subject to prevailing premium rates
Q: What happens if premiums are not paid
A: If you have not paid your premium by the expiry of the grace period, you will have following options: to revive the Policy within a period of 2 years from the date of discontinuance, or to completely withdraw from the Policy without any risk cover, or to convert the policy into paid-up policy (available on discontinuance after completion of the 5 policy years) If you do not communicate to us on the above options, the following treatment will be applicable Discontinuance before completion of 5 years from commencement of the policy: Fund Value less applicable charges will be moved to ‘Discontinued Policy Fund (DPF)’.The proceeds from DPF will be paid out upon the completion of the lock-in period. Discontinuance on and after completion of the 5 years from commencement of the policy : Fund Value will be paid out to you. You have the option to revive a discontinued policy within two consecutive years from the date of discontinuance of the policy, subject to payment of all due & unpaid premiums and our underwriting policy
Q: How to change existing fixed deposit account tenure
A: We regret to inform you that tenure selected for the fixed deposit account cannot be changed once the account is opened. In this case we suggest that you can close your existing fixed deposit account and open a new account with a desired tenure.
Q: How do I renew my policy
A: We will send you renewal reminders. The number of days advance reminder depends upon the pay plan opted for.Payplansbreakup : Cheque-45daysCredit Card – 60 days
Q: Is there any eligibility criterion to purchase this the Critical Illness policy
A: A Critical Illness policy covers individuals in the age group of 5 years to 45 years. Children between 5 years and 18 years will be covered only when both the parents are also insured under the policy.
Q: How do I update my PAN number
A: We request you to follow either of the following procedure mentioned below to update you PAN number: 1) Request through branch: Step 1) Submit a written request specifying your updated PAN number Step 2) Give a self-attested photocopy of your PAN card. (carry originals for verification) 2) Request through Netbanking: We are glad to inform you that the PAN can be updated online from your NetBanking. Please follow the below steps to update your PAN online : Log in to NetBanking with your Customer Identification Number and NetBanking Password (IPIN) Click on 'Contact details' on the top right hand corner & Select Edit Pan number / Click on 'Add/Update PAN number' on the Accounts tabs Update your 10 digit PAN Click on Confirm Note :1. The submitted PAN will be updated within 5 working days, post validation of the PAN with the income tax records. 2. In case of any mismatch of the submitted PAN with Income Tax records, the updation request will be rejected and customer will be intimated. 3. In case of any reject, the customer will need to visit the nearest branch with copy of the PAN card for updation on Bank records. Please note in some cases of difference in name on PAN Card, the customer may be asked to submit additional documents. 4. In the absence of PAN detail on Bank records, the interest earned on Fixed Deposits will be subject to penal TDS at 20% (if applicable) View more
Q: How much time will it take to change the mode of repayment/ account for your loan
A: It will take 25 working days to activate the revised instructions. In case your next instalment falls due prior to the said period, an instruction already lodged with us will be presented for payment.
Q: Is this plan only available online
A: No, this plan is available on both Online and Offline platforms
Q: Which are the various channels through which I can trade or invest
A: You can trade through multiple channels i.e. Online trading, Trade on Mobile, Low Bandwidth Sites (LITS), Call ‘N Trade.
Q: What are the conditions on revival
A: All the outstanding premiums and interest on the outstanding premiums and applicable taxes. Charge of Rs 250 shall be levied for processing the revival. The revival period shall be of two years as specified by the current regulations.
Q: What is the HDFC Life Assured Pension Plan
A: The Assured Pension Plan is a Unit Linked Pension Plan recently launched by HDFC Life. This plan aims to help you plan for a steady income source for retirement. You can choose from a variety of Premium paying & policy term options as per your comfort and plan your retirement. HDFC Life APP provides you the benefit of equity participation with the comfort of a capital guarantee. To boost your fund value, you also have the pension multipliers that are added to your fund post 11th year.
Q: What happens to the home insurance policy if the insured house is sold
A: From the time the transfer of ownership becomes effective, the policy stands cancelled and the insured ceases to be an insured under the policy. We will then refund the premium for the balance of the insured period.
Q: What happens if Premiums are not paid
A: This plan has a grace period of 30 days. You are expected to pay your annual premium through-out the policy term. Discontinuance before completion of 5 years from commencement of the policy: If you have not paid your premium by the expiry of the grace period, then you will have the following options: To revive the policy within a period of 2 years from the date of discontinuance, or To completely withdraw from the policy without any risk cover Your policy will be discontinued if: You do not exercise any of the above mentioned options; or You choose to completely withdraw from the policy without any risk cover Until the discontinuance of the policy, the risk cover will remain in-force and policy charges will continue to be deducted. Once the policy is discontinued, the risk cover will cease and the fund value (as on date of discontinuance) less the applicable Discontinuance Charge (Please see the Charges section for details of the Discontinuance Charges) will be moved to the 'Discontinued Policy Fund'. The minimum guaranteed interest rate applicable to the 'Discontinued Policy Fund' shall be 4% p.a. Such rate may be changed in the future if the IRDA revises the minimum rate for discontinued policies. The Discontinued Policy Fund (SFIN: ULIF05110/03/11DiscontdPF101) shall be a unit fund which will invest 100% of assets in Government Securities and/or Money Market Instruments. Any excess income earned in the discontinued fund over and above the minimum guaranteed interest rate shall also be apportioned to the 'Discontinued Policy Fund'. A Fund Management Charge of 0.50% p.a. will be levied for amounts in the 'Discontinued Policy Fund' If a discontinued policy is not revived, the proceeds will be paid out upon the completion of the lock-in period of five years. In the instances where the revival period is not completed at the end of the lock-in period, the policyholder can opt to receive the proceeds either upon the completion of the lock-in period or upon the completion of revival period. If, in such cases, the policyholder does not exercise any option, then the proceeds will be paid upon the completion of the lock-in period. After the payment of the discontinuance benefit, the policy shall terminate and no further benefits shall be payable under the policy. View more
Q: Is there an age limit for opting Individual Personal Accident Plan 2 policy
A: It is open to everyone from the age of 18 years to 65 years.
Q: How will the OTP be sent to the customers
A: OTP will be sent only via SMS to the customers' registered mobile number.
Q: How many Critical Illnesses are covered under 3D Life & 3D Life Long Protection options and what is the benefit associated with them
A: These plan options provide Waiver of Premium benefit if the Life Assured is diagnosed with any of the 34 covered Critical Illness.
Q: How is the premium for Motor Insurance calculated
A: The premium is calculated based on the Make and Model of your vehicle, its age, place of registration, fuel type and Insured Declared Value (IDV). The premium is also subject to certain deductions based on the insured’s age and occupation and the No Claim Bonus earned by the insured during the policy period. You will need to submit documents or particulars to avail of these discounts. In case you want extended coverage – for Personal Accident, Electrical/Non-Electrical Accessories, etc. you may have to pay an additional premium of the same.
Q: Where can I use my EasyShop Woman’s Advantage Debit Card
A: Your card will be valid the world over – just look for the VISA sign.
Q: What do I need to know about the HDFC Bank ForexPlus Platinum Card
A: Embedded with a chip, this ForexPlus card offers you a convenient and secure way to carry your Forex. With the HDFC Bank ForexPlus Platinum card you can shop anywhere in the world.
Q: I have an existing bank account with other Bank. Can I still open SmartUp Current Account
A: Yes, provided startup is meeting the criteria of date of incorporation / registration of business should not be more than five years from date of account opening.
Q: Is there any Surrender benefit for this plan
A: No, there is no surrender value available under this plan.
Q: Can I set my Personal Assurance Message to be the same as my VBV / MSC Password
A: Your Personal Assurance Message and your VBV / MSC Password must not be the same, to ensure your security.
Q: Would I have to go for any medicals
A: No, there would not be medical tests involved in this plan.
Q: Can I pre-pay the entire loan amount
A: Yes, you will have to pay a pre-payment fee of 4% if you pay your entire loan before 12 months from the date of disbursement. You will have to pay a pre-payment fee of 2 % if you pay your loan after 12 months from the date of disbursement.
Q: What is the maturity benefit that I receive if I invest in this plan
A: On survival till the end of the policy term, you will receive a lump sum amount which will be the aggregate of : Sum Assured on Maturity Accrued Guaranteed Additions Accrued Reversionary Bonus Interim Bonus (if any) Terminal Bonus (if any)
Q: Is there a load amount limit
A: Card balances cannot exceed Rs. 10,000 at any given point in time and cumulative monthly load and reload is limited to Rs. 10,000.