GhulamShabbirKhan/BankFAQs-Phi4 huggingface dataset:
Q: How much loan can I avail of Business Loan
A: You can avail of a loan from Rs 50,000/- to Rs 50,00,000/- depending on your income, repayment capacity and respective location product cap.
Q: Can I pay more than one instalment at a time
A: You can, but note that there will be no interest paid on any additional amount deposited, other than the installment due.
Q: If I don't have an account with HDFC Bank, can I still avail of Pre-owned 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 are the benefits of Times Points Debit Card
A: Your Times Points Debit Card Offers 1. A Welcome benefits to choose one from a bouquet of upto 20 offers 2. You will be entitled to a one time offer of 500 bonus Times points. 3. You will provided with Great deals and discounts all throughout the year. 4. You will be able to redeem your Times points earned from your activities on TIL and Times Debit card Spends and avail attractive offers.
Q: Is there any Loyalty Additions under the Plan
A: Yes. Loyalty additions (as percentage of the average fund value) will be added to the fund value every alternate year starting from the end of 11th policy year for limited and regular premium payment policies. For single premium policies, the Loyalty Additions will be 1.50% of the average fund value. The Loyalty Addition shall be payable at the end of every policy year from year 10 to 14 (both inclusive).Please refer to product brochure for more detailsand/or consult Relationship Manager.
Q: What are the Fees and Charges applicable
A: You may refer to the “Fees & Charges” option under the product “Loan against Rent Receivables”.
Q: Can I get a refund towards residual Forex on my return
A: After you return you can choose to cash out any residual foreign currency on your Card. The zero value or partially loaded card plastic can still be with you and you can reload it or use it till the validity of the card, which is 5 years.
Q: What are the various HDFC ERGO Travel Insurance policies
A: HDFC ERGO provides coverage for Single Trip, Multiple Trip, Asia and a Family Floater Plan with various sums insured options to choose from.
Q: Do I have the option to structure my loan as partly fixed or partly floating
A: Yes, you can structure your HDFC Ltd. Home Loan as Partly Fixed or Partly Floating as per your needs.
Q: Do I need to close my account when my kid attains majority
A: No, the existing account can be converted to a regular savings account. To convert the account the following will be required: AML section on the SB Regular AOF should be updated for the minor turned major Customers will also fill up the Kid’s Advantage account conversion form Identity Proof Address proof Photograph Proof of becoming major like Birth certificate, Passport etc
Q: Are there transaction limits for Business Debit Card
A: Subject to the balance in your account, the daily limits are Rs. 50,000 at ATMs and Rs. 1.75 lacs at merchant locations. These limits have been set for the security of your card.
Q: I have other sources of income. Do I still need to plan for retirement
A: Diversification of income source is good. However, as you get older, you might not be able to work the way you can now. The other sources of income might not turn out to be as successful as they are today. Hence, it is prudent to plan for your retirement through a pension plan.
Q: How many times of my annual salary can I borrow with HDFC Bank Auto Loan
A: You can borrow up to 3 times your annual salary if you are a salaried professional and 6 times your annual income if you are a self-employed professional **. **This would also vary with higher loan value
Q: What is the validity period of the OTP
A: OTP is valid for a period of only 3 minutes.
Q: Do I have an option to pay a skipped/ missed EMI for New Car Loans
A: Yes, you can pay your missed EMI online. You need to provide your HDFC Bank Loan details, confirm payment towards HDFC Bank Loan account post which you will receive an online transaction confirmation and a Transaction Reference Number. The link for making HDFC Bank overdue loan repayment online is given below. https://www.billdesk.com/pgidsk/pgmerc/hdfcemi/index.jsp .
Q: How do I buy Mutual Funds over the Net
A: To invest through NetBanking log onto www.hdfcbank.com.
Q: What happens after the Home Insurance claim is registered
A: The surveyor contacts the customer in 48 hours. The claim form is sent to the customer’s correspondence address within 7 working days.
Q: What can I do with the NEFT facility
A: You can use the NEFT facility to transfer funds from your HDFC Bank account to an account in another Bank at the locations as specified by RBI.
Q: Why is 2nd Level authentication made mandatory for all Card related online transactions
A: All online card transactions, as per RBI’s mandate, need to have a second level authentication when a transaction is made. Hence the cards need to be registered for Verified by Visa(VBV)or MasterCard Secure Code to complete an online transaction. A transaction can be carried out only on those websites that are Verified by Visa or MasterCard Secure Code enabled. Thus when you are making an online transaction on these websites you will be prompted to register for the service, if you have not registered till date. You can fill the required details and complete the transaction after registering. You can also register your card for Verified by Visa or MasterCard Secure Code here. View more
Q: Does this plan offer tax benefits
A: Premiums paid by an individual or HUF 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. Your tax benefits may change if the tax rules are changed. You are requested to consult your tax advisor.
Q: What is Smartup Solutions
A: A SMART solution for your StartUp. SmartUp is here to assist you in achieving your startup goals with smart financial tools, smart advisory services and technology.
Q: What is the Death-Benefit under the plan
A: In case of the Life Assured’s unfortunate demise, the nominee will receive the benefit as defined below - Death Summary of Death Benefit Before attainment of age 60 years The nominee will receive the higher of the following Sum Assured (less all withdrawals except from the top-up fund value, made during the two year period immediately preceding the date of death) The total fund value. The policy will terminate thereafter and no more benefit will be payable. On or after attainment of age 60 years The nominee will receive the higher of the following Sum Assured (less all withdrawals except from the top-up fund value made after attainment of age 58) The total fund value. The policy will terminate thereafter and no more benefit will be payable.
Q: What should I do in the case of a void transaction for Womans Advantage 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: What are the Terms and Conditions for the offers at my disposal
A: Please visit www.timespoints.com/debit for present offers and T&C.
Q: Do I need a co-applicant for the loan (Education Loans For Foreign Education)
A: Yes a co applicant is required for all full time courses. Here are a few points to be noted about co applicants: Primary Co-Applicants: Parents, Spouse, Siblings Secondary Co-Applicants: Father-In Law, Mother-In-Law, Brother-In-Law, Paternal / Maternal Uncle / Aunt View more
Q: Are there any additional charges for loan Pre-payment
A: You may refer to the Fees & Charges option under the product Loan Against Property and Loan Against Rental Receivables. All terms and conditions are at the Sole discretion of HDFC Bank Ltd. The bank reserves the right to change/ modify any of the above at any time.
Q: What documents are required to open a senior citizen Super Saver Facility
A: While opening the account, the customer needs to provide proof of age establishing that he/she is a Senior Citizen. To accomplish this, either of the following can be submitted: Secondary School Leaving Certificate (10th Class) LIC Policy Voters Identity Card Pension Payment Order Birth Certificate issued by the competent authority Passport Defence ID Card / Govt ID Card (Provided they have the cardholder's photo, signature and date of birth) PSU Issued ID Cards Senior Citizen Cards issued by Indian Airlines / Indian Railways PAN Card View more
Q: Will the loan be disbursed in favour of the Institute/college/university (Education Loans For Foreign Education)
A: Yes. The tuition and hostel fees (if any) will be disbursed directly to the educational institute as per the schedule and structure of fees given by them.
Q: How does this card work
A: Your HDFC Bank ForexPlus card will be activated with the required AUD / AED / CAD / CHF/ Euro / GBP / JPY / SGD and USD within 4 hours from the bank getting the clear funds from you. Once actived, 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 ForexPlus card works just like any Debit / Credit Card for making payments at Merchant Establishments that have an electronic terminal. The transaction amount is deducted from available balance on the ForexPlus card. HDFC Bank ForexPlus 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 ensure that you remember the PIN given to you with the card pack, the PIN is unique for every card and cannot be changed at any domestic or international ATM. View more
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. The card can also be hotlisted using our Prepaid card NetBanking facility on www.hdfcbank.com
Q: What transactions are included as a part of the Free Anywhere Transactions limit for a month
A: The following transactions together comprise part of the Free Anywhere Transaction Limit: Cheques deposited into the account in other cities (in local clearing / within Bank) Inter-city payable-at-par cheques issued. Inter-city account to account funds transfers (Cheque Payments & Collections) within HDFC Bank Accounts. View more
Q: Can I repay the loan earlier for Business Loan
A: Yes, you can choose to repay your loan anytime after 6 months of taking the loan and after you have paid 06 EMIs along with applicable foreclosure charges. Please note Loan can be foreclosed by issuing a Demand draft / cheque at the branch; kindly note that cash beyond Rs. 49000/- will not be accepted for loan repayment against full closure/matured loan closure payment. Any payment above Rs. 49000/- should be made vide Account payee Cheque / Pay order /Demand draft.
Q: What is the procedure to close my Investment Service account
A: You will need to submit the Investment Service account closure form to your nearest branch for further processing. Kindly visit the following URL to access information for the complete address and contact details of our Branches as well as our PhoneBanking numbers.
Q: Can I revise the bid
A: Yes, you can revise your bid under the ASBA facility. In case of upward revision of bid, additional lien will be marked to the extent of the incremental amount. However, in case of downward revision, differential money blocked earlier will not be released. Such amount, if any, will be released after allotment.
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 thorugh Prepaid NetBanking.
Q: What is the maximum amount I can load on the HDFC Bank eGiftPlus Card
A: For HDFC Bank customers, Rs.50,000 For non-HDFC Bank customers, Rs.10,000 for each eGiftPlus Card.
Q: When does the Bank issue a TDS Certificate
A: The TDS Certificate, Form 16A, for TDS deducted during a calendar quarter, will be issued in the next month of the respective quarter.
Q: What is the minimum Average Monthly Balance required if I have a Merchant Advantage Current Account
A: You have to maintain a minimum Average Monthly Balance (AMB) of Rs. 25,000.
Q: Is it necessary to open Max Current Account in each location where my company has an office
A: No. With your Max Current account you enjoy the advantage of single account with multi-location banking.
Q: What currencies are available
A: There are five currencies offered: Euro (EUR) Sterling Pound (GBP) US Dollar (USD) Thailand Baht (THB) HongKong Dollar (HKD)
Q: What happens if I try to make a purchase at a merchant that doesn't participate in the Verified by Visa / MasterCard Securecode service
A: You will not be prompted to enter your for Verified by Visa / MasterCard Securecode password on these websites.By shopping at websites participating Verified by Visa / MasterCard Securecode merchants, you have the extra layer of security as the transactions are authenticated using your Verified by Visa / MasterCard Securecode password.
Q: What is the min-max age at entry/maturity
A: Click here to view the min-max age at entry/maturity
Q: What is the min-max age at entry/maturity
A: Minimum Maximum Policy Term (years) 10 10 Age at Entry Age (years) 14 55 Age at Maturity (years) NA 65 Premium Paying term 5 years
Q: Who can avail of HDFC Bank New Car Loans
A: We offer New 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 View more
Q: What if I don’t/miss to pay premiums
A: Premium(s) due on this policy should be paid on or before the premium due date. You are advised to pay the premium in time to continue enjoying the benefits of this policy. However, in case you are unable to do so, you have a grace period after the premium due date within which you can pay the due premium. Grace period available for annual frequency is 30 days whereas there is no grace period for one time/ single payment frequency. If you pay the due premium within grace period the policy will continue without any break. Following conditions will apply during grace period. The cover under the policy shall remain in-force during the grace period Should a valid claim arise under the policy during the grace period, but before the payment of due premium, HDFC Life shall still honour the claim. In such cases, the due and unpaid premium will be deducted from any benefit payable.
Q: What if I forget my Prepaid NetBanking login Password
A: If you have forgotten the Password, then the same can be changed by selecting the option of Forgot Password available on the Prepaid NetBanking login page.
Q: What is meant by total loss under the Motor Insurance policy
A: Total loss means accidental damage to your vehicle where the cost of repair amounts to more than 75% of the IDV on your policy.
Q: On what basis the Sweep-in facility gets triggered
A: Effective 22nd Feb 2014, Sweep in of funds from your Fixed Deposit (FD) to Saving/ Current account will trigger on Last in First out basis (LIFO).
Q: What is the block period for the investment
A: The block period for the investment of these two companies is 3 years.
Q: When will my SmartDraft limit be renewed
A: Based on your account performance and salary credits, your overdraft limit will be renewed after 12 months once the payment of the annual renewal fee is made.
Q: Is there any Accidental Death Benefit in the policy
A: Yes. In case of death due to accident during the term of the policy, an additional benefit equal to 'Sum Assured on Death' is payable. This amount is payable provided the life assured is aged 18 years & above on the date of death.
Q: Can I use the DCC/ MCC option at the time of transaction
A: Whenever ForexPlus Chip 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 Chip 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: Can I load multiple currencies on one Regalia ForexPlus Card
A: No. Your Regalia ForexPlus Card can only be loaded in USD currency. As a feature of the card, no cross currency conversion charges will be levied for using the card in any currency other than USD. Your transaction value will get converted in USD currency @ rate applied by MasterCard. No additional cost will be levied.
Q: Must I open an Merchant Advantage Current Account in each location where I have my company office
A: No. A Merchant Advantage Current Account gives you the advantage of a single account with multi-location banking.
Q: Can HDFC Ergo Student Travel insurance suraksha policy be extended
A: The extension under the policy shall be provided subject to the following conditions: The original policy period has not expired The sum insured shall not be enhanced There is no claim during the original policy period Declaration of good health shall be provided by the insured Extension premium has to be paid before actual extension is affected The entire policy period along with Extension does not exceed 2 years Please note that extension on a policy can be availed only once during the risk period.
Q: What is HDFC Bank ForexPlus Chip card
A: HDFC Bank ForexPlus Chip card is a magnetic strip based prepaid card introduced in partnership with Visa / Mastercard International. The card offers you a convenient and secure way to carry forex. This card offers you the freedom to shop anywhere in the world and provides access to the currency of your destination at competitive market rates. It can be used at all Visa / Mastercard ATMs and Merchant establishment worldwide. This card cannot be used for making payments in India, Nepal or Bhutan.
Q: What is a hospital/nursing home
A: A hospital/nursing home means an establishment which: is registered as such with a local authority and is under the supervision of a registered and qualified Medical Practitioner and operates for the reception, care and treatment of sick, ailing or injured persons as inpatients provides organized facilities for diagnosis and medical and surgical treatment at all times; and is not primarily a day clinic, rest or convalescent home or similar establishment and is not, other than incidentally, a place for the treatment of alcoholics or drug addicts or a rehabilitation centre;OR has a fully equipped operation theatre of its own wherever surgical operations are carried out provides nursing care and has a physician or a staff of physicians actually on the premises at all times at least 10 in-patient beds at all times View more
Q: Can I renew my Motor policy online
A: Yes, you can renew your HDFC ERGO Motor Insurance policy online by using your Credit Card or bank account.
Q: What should I do in the case of a void transaction for Platinum 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: What is the difference between Life and 3D Life options
A: In addition to the benefits under Life Option, you will receive an additional benefit of waiver of your future premiums upon diagnosis of Critical Illness under 3D Life option
Q: How do I obtain a NOC from the bank if my Registration Certificate is mutilated and  I wish to apply for a duplicate Registration Certificate book for a vehicle under finance with HDFC Bank
A: You may obtain the NOC for a duplicate Registration Certificate book for your vehicle loan, by visiting any of our Retail Loan Service Center and submitting the following documents: Request form for applying for the required NOC. 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.
Q: What are the Plan Options available for this product
A: There are 3 plan options available in this product namely Silver, Gold and Platinum. The base benefit is applicable on all the 3 options. The increased benefit is applicable on Gold and Platinum options where as income benefit is applicable only on the Platinum option.
Q: What is the Maturity Benefit under the plan
A: Fund Value on the prevailing on the date of Maturity will be paid to the policyholder.
Q: Can I cancel a transaction
A: No cancellations are allowed once transactions are placed.
Q: How do I make a claim under the Accidental Protection Plan - Hospital Cash policy
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 required documents and the process will be completed within 7 working days, once all the required documents are submitted.
Q: What documents should I submit when I purchase the ISIC HDFC Bank ForexPlus Card
A: Customers have to provide the following documents: Completed ISIC HDFC Bank ForexPlus Card application Form Form A2 Appointment Letter / Admission Letter / University Identity Card Scanned copy passport size photograph with white background A photocopy of Passport Additional document for non HDFC Bank Customer - Visa Copy or Ticket Copy
Q: Can the value of the card be topped up
A: Gifting we believe is special to the occasion and hence you cannot reload this card. Every occasion is a new occasion and deserves a new card.
Q: What are the documents required to be submitted in case of a home burglary claim
A: The original invoice has to be submitted, giving the value of the items stolen. In addition to this you also have to give the replacement cost/repair cost, FIR, Final police report and claim form.
Q: What is Family Floater and what are its features
A: Family Floater is a policy wherein the entire family of the insured comprising of the insured and his/her dependents, are covered under a single sum insured. The advantages of such a policy are: All member of the family (as defined above) can be covered under one policy. A Single Premium is payable for the entire family The amount of the sum insured floats over the entire family, i.e. the limit can be used by any member of the family, any number of times. You do not have to keep track of renewals for different members. Just a single renewal date has to be remembered. View more
Q: Are there extra charges for International Business 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.