GhulamShabbirKhan/BankFAQs-Phi4 huggingface dataset:
Q: What is the difference between Income and Extra Life Income options
A: In addition to the benefits under Income Option, you get an additional Extra Life Sum Assured upon death due to Accident under Extra Life Income option. This additional Sum Assured will be payable partly as Lump sum and partly as income benefit on accidental death.
Q: When will my rewards be credited to my member account with my Participating Reward Provider
A: Generally, your account will be credited within 2-3 weeks however at times it may take upto 8 weeks of your purchase. For more queries on ‘Thanks Again’ Reward program, please visit http://in.thanksagain.com/faq/
Q: With Premium 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 all our branches.
Q: Is there any maturity benefit for this plan
A: No, there is no maturity benefit available under this plan.
Q: What is the maximum amount I can invest
A: There is no limit on maximum amount that you can invest in this plan, subject to underwriting.
Q: What are the medical tests that I need to undergo to enrol myself for the  - Platinum Plan policy
A: No pre-policy medical check up is required for individuals up to the age of 45 years.
Q: For how many years can I stay invested in this plan
A: You can choose a policy term of 10 years or 15 to 25 years under this plan.
Q: What are the steps involved to purchase this policy quickly in case I am travelling and do not have much time
A: Taking you through the procedure and form filling - only KYC documents, signature on proposal form and payment instrument are required. You can also pay online through HDFC Bank NetBanking, Debit card or Credit card. This being a pension plan, you don’t need to go through any medicals. After your form is logged in, you would receive a verification call the next day. Once the verification call is closed with an affirmative from your end, your policy would be issued and the Policy Bond would be delivered to your Demat Account. This Demat Account is completely free of cost. Thus it would not take much time.
Q: When is an FIR necessary in a Home Insurance claim
A: A police FIR is mandatory in the case of: Burglary Theft Malicious Damage Riot and Strike Terrorism
Q: Are there any charges to be aware of for Titanium Debit Card
A: Check the associated fees here.
Q: How do I know if an ATM will accept my ForexPlus Card
A: ForexPlus cards are accepted at Visa / MasterCard ATMs. Please look out for the VISA/PLUS/MasterCard logo while searching for ATM.
Q: Where do I get this card
A: ForexPlus Platinum 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 ForexPlus Platinum card. The card will get activated within 4 hours from realization of funds. Alternatively, the customer can apply for card through NetBanking login also.In case the customer applies the card through NetBanking the card will be delivered to the customer within 2 working days. This facility is available at select locations only.
Q: Are there any other terms and Conditions
A: Yes, there are various terms and conditions associated with this plan. For detailed information, please read the SalesBrochure carefully.
Q: Can I use the card to pay in any currency
A: Yes, the card is accepted for payment in any currency apart from those loaded on the card. Please note that cross currency conversion charges will be applicable while processing such transactions.
Q: What are the benefits payable under this policy
A: Now you can protect your entire family with Individual Personal Accident Plan 2 against accidental injuries. The policy provides the benefits to you and your family, for Accidental Death, Permanent Disability, Broken Bones, Burns due to an accident. It also provides benefit of Ambulance cost and hospital cash.
Q: What are Pre and Post hospitalisation expenses
A: Pre-hospitalisation expenses means medical expenses incurred for a specified number of days prior to hospitalisation for any disease, illness or injury sustained which is covered under the Policy. Post-hospitalisation expenses means medical expenses incurred for a specified number of days after discharge from the hospital. In 'Health Suraksha' the pre-hospitalisation period is 60 days while the post-hospitalisation period is 90 days.
Q: Is a nomination facility available
A: Yes, a nomination facility is available.
Q: What happens if the PIN is forgotten
A: The cardholder should call PhoneBanking and ask for a reissuance. Remember that the PIN will be delivered to the purchaser's address.
Q: How do I top-up the value of my card when I am abroad
A: ISIC ForexPlus Card can also be loaded on your behalf by someone authorized by you. Authorised person has to visit HDFC Bank branch with the necessary documents and funds. We’ll take care of the rest. You can reload your ISIC ForexPlus card multiple times in future till the card gets expired: You can authorize the Bank to debit your HDFC Bank account by giving an HDFC Bank cheque or make payment using a local cheque drawn on HDFC Bank and reload the card for desired value. Reload requests can be made by any authorized person on your behalf. The person authorised by you for the same will need to come to bank branch and will need to provide the necessary documents to the bank to carry out reload. On receipt of the application form and the funds, your card will get reloaded for the desired amount. HDFC Bank customers can also place a request to reload the card through HDFC Bank PhoneBanking or HDFC Bank NetBanking.
Q: Can I issue cheques to load the Multicurrency Platinum ForexPlus Chip card
A: Customer can load Multicurrency card by issuance of cheque against the amount to be loaded. However, cards will be loaded post realisation of the cheque deposited by the customer. The exchange rate applicable will be for the day on which funds are realized and card is activated.
Q: How long will it take for me to get a Business Loan
A: Once you submit your application form and supporting documents, we shall give approval within 5 working days provided everything is in order. All loan approvals are at the sole discretion of the bank.
Q: What is the duration of the policy term in case I choose 'Endowment' or 'Endowment with Whole Life' option
A: Policy Term is the period at the end of which the maturity benefit will be paid. One can choose a policy term of 15 to 40 years. In case of “Endowment” Option, the life insurance cover will cease after policy term. In case of “Endowment with Whole Life”, the life insurance cover shall continue even after the policy term, till the age of 100 years.
Q: Can unregistered institutions open an Institutional Savings Account
A: No. Accounts of only registered trusts, societies, associations, clubs can be opened.
Q: How is TDS deducted
A: Check the deduction rates below: Tax Rate Surcharge Education Cess TOTAL Resident Individuals & HUF 10% ---- ---- 10% Corporate Entity 10% ---- ---- 10% NRO 30% ---- 3% 30.90% Firms 10% ---- ---- 10% Co-operative Societies & Local Authority 10% ---- ---- 10% View more
Q: Can the ATM PIN be changed
A: No, the ATM PIN cannot be changed at the ATM. In case you have forgotten or lost the PIN, you will need to request for a new PIN with the help of PhoneBanking or through Prepaid NetBanking.
Q: How much time will it take to decision an application for Loan Against Rental Receivables
A: Applications would be decisioned within 7 days, and in cases which involve customer availability for completing a field investigation or title search and valuation of a property, within 25 days.
Q: As a Regular Fixed Deposit holder, How do I apply for an exemption on TDS
A: If your total interest income for the year does not fall within the overall taxable limits, you should let us know. You can do this by submitting a form as per the provisions of the Income Tax Act. A few things to note: You can get the 15AA form from the Assessing Officer of the Income Tax department. Even with the 15H/15AA form, the tax that has already been deducted by way of TDS during the year prior will not be refunded. However, you will get a certificate, which can be used while filing your tax return. 15H/15AA Forms are valid only for the financial year in which they are issued. A fresh 15G/H form needs to be completed for each deposit that is placed with the Bank, and it should be completed within the first week of the financial year. View more
Q: Where can I contact for offers/service related issues
A: You can call the Apollo customer care service centre number 1860 500 1066 or write to [email protected]
Q: Do I need to load all currencies on the card
A: You can load only the currency of your choice depending on your need.
Q: What is Verified by Visa/MasterCard SecureCode
A: Verified by Visa/ MasterCard SecureCode is a service that lets you use a personal password/ SecureCode with your HDFC Bank card. This SecureCode gives you added assurance that only you can use your HDFC Bank Card to make purchases over the Internet. Just turn on your computer, connect to the Internet and pull out your HDFC Bank Card. You don't need any special software. Use Verified by Visa/ MasterCard SecureCode as easily as you use your PIN at an ATM. View more
Q: What is the maximum value for which the Card can be used
A: There is no limit imposed on the usage of ISIC ForexPlus Card. Customers can withdraw/utilise any amount, upto the value loaded on the card at any ATM/POS. However, there are some ATMs service providers which have put in per day / per transaction limit towards cash dispense which cannot be changed by the Bank. In such cases the cardholder might need to do multiple transactions if he wants to withdraw any amount higher than that allowed in one transaction.
Q: How can I register / re-set password for VBV/MSC if my mobile number/ email ID is not updated in the bank's records
A: You will have to first have to get the details updated in our system by calling our Customer Care Centre and register after 1 working day. It is mandatory to have at least one email ID and one mobile number registered. The same will apply if there is a recent change in your mobile number or email ID.
Q: Can I withdraw the amount blocked for ASBA bid application
A: No. The blocked amount cannot be withdrawn. Such amount will remain blocked in your linked bank account till the allotment is completed.
Q: How do I register for Email Statement/s
A: We request you to follow the steps mentioned below to register for an Email Statement of your Account: Step 1) Log in to Net Banking Step 2) On the left hand menu under 'Request’, click on ‘Email Statement Registration’ Step 3) After reading the Terms and Conditions, tick on the text box and then click on ‘Continue’ and then ‘Confirm’ Alternatively, you may submit the attached form to your nearest branch to register for the email statement facility. In case you are unable to visit a branch, we request you to send the form by post or courier. Find your nearest HDFC Bank Branch. Note / Important: Email statements are currently free of charge. Dispatch of the physical statements will discontinue once you register for Email Statement. For Savings Account Customers Only the Primary Account holder will be eligible for the Email Statement facility. In case you are a secondary account holder, you will not receive any Email Statements. For Current Account Holders Only a Sole Current Account holder can avail of this registration facility. For Managed Customers Combined Email Statements for all accounts linked to the Primary Customer ID will be provided across Savings and Current Accounts and Fixed Deposits. For any other queries or to know the status of an existing application, please call up PhoneBanking or write to us mentioning the details given below: HDFC Bank Branch /mode where your request was submitted Date when your request was submitted View more
Q: What will be done with the post-dated cheques if I request to change the mode of repayment/ account for my loan
A: Post Dated Cheques(PDCs)/Security Cheques submitted towards loan repayment that have not been encashed, will be defaced and retained by the Bank. In case, you wish to have your old Post Dated Cheques(PDCs)/ Security Cheques to be returned to you, kindly lodge a request at the Retail Loan Service Center or through PhoneBanking or write us an email at www.hdfcbank.com/services within 45 days from the date of application of change in repayment instructions. In case, we do not hear from you within the stipulated period, the defaced cheques will be destroyed.
Q: Will a claim in a Travel Insurance policy be settled on return to India
A: A claim will be settled once the insured returns to India, expect in the case of hospitalization.
Q: Are there any transactions for which this card should not be used
A: Yes, your Hajj Umrah 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 Hajj Umrah 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 the Travel Insurance plan coverage period be reduced
A: No refund is allowed after the start of the journey. No refund is allowed for curtailment of risk.
Q: Is there an AMB (Average Monthly Balance) declaration required to be submitted along with the documents for an Institutional Savings Account
A: No. There is no AMB declaration required since it is a Zero Balance Account.
Q: What Property can be considered as collateral for LAP
A: You can provide your self-occupied Residential or Commercial property (Shops and Offices) as collateral.
Q: Does this plan offer tax benefits
A: Premiums paid by an individual under this plan are eligible for tax benefits under Section 80C of the Income Tax Act, 1961, subject to the conditions/ limits specified therein. Under Section 10 (10D) of the Income Tax Act, 1961, the benefits received from this policy are exempt from tax, subject to the conditions specified therein. Please note that the above mentioned benefits are as per the current tax rules. You are requested to consult your tax advisor.
Q: Do I need a co-applicant for a New Car Loan
A: No, but if your income does not meet our credit criteria then you may be required to have a co-applicant.
Q: What are the special privileges that HDFC Bank account holders can avail of
A: If you have had a Preferred Account or a Corporate Salary Account with HDFC Bank for more than six months, you can get fast approvals on your loans with minimal documentation.
Q: How long does it take for funds to be transferred from one account to another
A: Real-time means that beneficiary branches are expected to receive the funds as soon as they are transferred by the remitting bank. The beneficiary bank must credit the beneficiary's account within 30 minutes of receiving the funds transfer message.
Q: What transactions are included as a part of the Free Anywhere Transactions limit for a month
A: The following transactions comprise part of the Free Anywhere Transaction limit: Cheque deposited into the account in other cities (in local clearing) Inter-city Payable-at-Par cheque issuance. View more
Q: What all is the loan for – study and stay or just study
A: Education loan is normally taken for financing tuition fees, living expenses (hostel etc.), books and periodicals and sometimes traveling.
Q: How do I make a claim
A: You can make a claim by calling our toll-free number 1800-226-226 (MTNL or BSNL) or 1800-2-700-700 (any line) or 022 6638 4800 (local/STD charges apply). We will then assist you with the submission of the documents required and the process will be completed within 7 working days, once all the required documents are submitted.
Q: How long will it take to process loan for Loan against Car
A: You loan will be processed within 48 Hours where Asset Verification/Valuation is not required.
Q: How do I check the IFSC of the receiving branch
A: Just ask your beneficiary to get the IFSC from his or her branch. They can also find it in their cheque book - the IFSC is in the cheque leaf.
Q: How to use the card at contactless terminals
A: 1. Look for MasterCard PayPass mark and contactless logo at the Point of Sale terminal machine at merchant outlet 2. Check the transaction amount displayed on the machine screen and tap/ wave your Contactless Regalia ForexPlus Card from a 4 cm range 3. Enter your 4-digit ATM PIN on the machine, if prompted 4. A green light will signal indicating that the transaction is complete
Q: How is this plan different from other ULIPs
A: HDFC Life Click 2 Invest – ULIP offers: Minimal Charge Structure Premium Payment Term options of single/5 pay/7 pay and regular pay Policy term of 5 to 20 years 8 Fund options Wide entry age range from 0 to 65 years
Q: Who all can be covered under the Family Floater Plan
A: Policyholder can cover his lawful spouse, parents and parents-in-law subject to a maximum age of 70 years at entry and dependent children's age of 91 days and above.
Q: Can I transact anytime during the day
A: Yes, you can transact at any time of the day. However, in order to get the NAV of the same day you have to transact before the cut-off time of the scheme. If you place an order after the said cut-off time, you will be eligible for the NAV of the next day.
Q: Will my accident policy cover me even if I am out of the country
A: Yes the accident policy will cover you even if you are out of the country. The sum insured will be paid to you in Indian Rupees in case of a claim i.e. the claim will be paid out in India only
Q: Are there any transactions for which the Card   should not be used
A: Yes, your Card should not be used for temporary charges - e.g. paying deposits at hotels, hiring of cars etc. In case you have paid these deposits using your HDFC Bank Multi Currency ForexPlus Platinum Card and the hotel/car rental agency etc. settles for an amount less than the deposited amount or you pay through a different mode the balance amount will be credited to your account only after 35 days from the transaction date.
Q: Who do I contact in the case of a claim under the Critical Illness - Platinum Plan
A: In the case of a claim under the policy, you should immediately intimate us on our helpline numbers.
Q: Do I have the option to pre-pay the entire loan amount
A: Yes. You can pre-pay the loan any time after 6 months of availing of the loan. You just have to pay a small pre-payment fee on the outstanding loan amount.
Q: Are there any taxes applicable on Mudra Pure Gold Bars
A: VAT is included in the final price of Mudra Pure Gold Bars.
Q: What if I forget my ATM PIN
A: You can call the HDFC bank PhoneBanking to request for re-issuance of PIN or place a request through Prepaid NetBanking. A new PIN will be sent across to your registered mailing address held on record with the bank.
Q: What is the maximum value for which the Card can be used
A: There is no limit imposed on the usage of Regalia ForexPlus Card. You can withdraw/utilise any amount, upto the value loaded on Regalia ForexPlus Card at any ATM/POS. However, there are some ATMs service providers which have put in per day / per transaction limit towards cash dispense which cannot be changed by the Bank. In such cases the cardholder might need to do multiple transactions if he wants to withdraw any amount higher than that allowed in one transaction.
Q: How many members can be included under the Family Plan
A: You can include your spouse as well as two dependent children under the Family Plan.
Q: What is the price that the silver will be sold at
A: The price will depend upon the market rate of silver.
Q: What are the charges for the e-monies National Electronic Funds Transfer service
A: NEFT transactions on NetBanking are charged as below: Amounts up to Rs. 10,000 - Rs.2.5 (exclusive of taxes) per transaction Amounts from Rs.10,001 to Rs.1 lakh - Rs. 5 (exclusive of taxes) per transaction Amounts above Rs. 1 lakh up to Rs. 2 lakh - Rs. 15 (exclusive of taxes) per transactionAmounts above Rs.2 lakh – Rs.25 (exclusive of taxes) per transaction View more
Q: How much loan can I get
A: The amount of the loan you can get depends on: The cost of the vehicle The type of vehicle (standard/premium) The percentage of finance offered
Q: How do I know if an ATM will accept my ISIC HDFC Bank ForexPlus Card
A: ISIC ForexPlus cards are accepted at MasterCard ATMs. Please look out for the MasterCard logo while searching for ATM.
Q: How do I transact in Mutuals Fund after completing the KYC process
A: You must attach your KYC Verified Print Out along with the Investment Application Form(s) while investing for the first time in a Mutual Fund. Application Forms not accompanied by a KYC print out are liable to be rejected by the Mutual Fund.
Q: What is the Guaranteed Base Income under the plan
A: Guaranteed Base Income is expressed as percentage of the Sum Assured on Maturity. This guaranteed amount is known to you at the inception and payable at the end of each year during the payout period as per your chosen plan option. The percentages are as follows: Option Guaranteed Base Income as % of Sum Assured on Maturity Annual GBI Total GBI for entire premium payment term 1 12.5% 100% 2 10.0% 100% 3 12.0% 120% 4 10.0% 120% 5 10.0% 120% 6 8.0% 120%
Q: I am already member of Times points, do I need to register again
A: If your e-mail ID in the existing registration on times point and the one given to HDFC Bank is same then you don’t have to register, however in case of different e-mail ID or no e-mail ID in existing Times Points account, you will be automatically registered on times points using your e-mail ID given to HDFC Bank and a confirmation mail will be sent to your email ID.
Q: What are the different modes of loan repayment
A: Customer has option of Monthly, Bi-monthly, Quarterly & Haly yearly repayment options, depending on customer segment and product variant.
Q: What is an accident
A: An accident is any sudden or unexpected event, which leads to permanent physical disability or accidental death.
Q: Can you covert your existing saving account into a pension account
A: Yes. You just have to submit an undertaking and submit the required documents.
Q: Is the gold imported
A: Yes.The gold is imported from an Internationally reputed supplier from Switzerland.
Q: Do I need to pay any penalty on premature closure of Fixed Deposits
A: As per the Terms & Conditions of Fixed Deposit Accounts of the bank, the penalty on premature closure of Fixed Deposits, including sweep-in and partial closures, has been fixed by the Bank at the rate of 1% of the fixed deposit interest rate. This is applicable with effect from 24th January, 2011.
Q: What is the procedure to follow if my Debit Card PIN is blocked
A: Please note that if you enter an incorrect PIN three times in the ATM, your access gets blocked for security reasons. It gets activated after 24 hours. Kindly use your Debit / ATM Card at the ATM after 24 hours with the same PIN available with you. If your account still remains inaccessible, please apply for new PIN. You can apply for regeneration of your ATM / Debit PIN in following ways: Fill-up the new PIN application form and submit it at any of our branches. On receipt of the form and successful verification, we will process a new ATM PIN and send it to your mailing address, as registered in our records. Submit a request at PhoneBanking, after validation with your Telephone Identification Number (TIN). For every PIN Regeneration request, charges of Rs. 50 + Service Tax + Educational Cess is applicable. For more details, Contact Us View more