GhulamShabbirKhan/BankFAQs-Phi4 huggingface dataset:
Q: How to set Prepaid NetBanking Login User ID / Password for the first time
A: You may have received IPIN or Activation Code in the kit provided to you. The Activation Code will be printed on the card mailer below the card whereas the IPIN will be printed on the PIN mailer along with ATM PIN. The Activation Code / IPIN is required to set your NetBanking Password for your Regalia ForexPlus Card for the first time. Following steps should be followed for setting NetBanking User ID / Password for the first time using Activation Code / IPIN: -Visit HDFC Bank website and select Prepaid NetBanking -Enter the Card Number in User ID/Card Number field and the Activation Code / IPIN (mentioned in the PIN mailer) in the Password field. -Input User ID of your choice for future login purpose -Select the secret question from a dropdown menu and provide the answer -Mention the new Password and reconfirm the same -With the new User Id and Password, you can then login to access your card account
Q: Is it possible to withdraw the amount blocked for IPO applications through ASBA
A: No. The blocked amount cannot be withdrawn. However, the same will lie in your operative Bank Account till the allotment and will earn interest as per Account terms applicable.
Q: How to set the ATM PIN
A: Please note that the Bank does not provide ATM PIN for your HDFC Bank Multi Currency ForexPlus Platinum Card. You need to set the ATM PIN online by using HDFC Bank Prepaid Card NetBanking service. In future also you can use the NetBanking service to reset your ATM PIN.
Q: If my account is blocked, how do I unblock it
A: If your account gets blocked, please contact your nearest Customer Call Centre (for Credit Cards) and PhoneBanking centre (for Debit Cards).
Q: Can TDS influence the maturity of my deposit
A: Yes, in case of reinvestment deposits ,the interest reinvested is post TDS recovery & hence the maturity amount for re-investment deposits would very to the extent of tax and compounding effect on tax for the period subsequent of deduction till maturity.
Q: Can a non Traveller purchase ISIC ForexPlus Card
A: No, ISIC ForexPlus Card can only be issued to Students travelling abroad to pursue higher education. ISIC ForexPlus Card is valid for making payments in countries other than India, Nepal & Bhutan. Whenever the cardholder is using his card he must be present at the place of transaction & need to sign the charge slip.
Q: When do I get to choose the annuity option
A: You need to give a default option now, i.e., at the time of purchase of this policy. However, depending on your situation, you always have the option to change/ alter the annuity option at the time of maturity of the pension policy. HDFC Life will get in touch with you 3-6 months before the maturity of the policy and you can revisit your annuity choice options then. In case you don’t revert to HDFC Life at that point of time, the default annuity options chosen earlier would be considered and your annuity payments would commence. However, after commencement of annuity you won’t be able to make any further alterations.
Q: What are the different plan options available under this product
A: You can select 1 or a combination of 2 or 3 benefits available under this plan. There are 7 plan options that you can select from. They are as follows: PLAN OPTION BENEFITS COVERED 1 Daily Hospital Cash Benefit 2 Surgical Benefit 3 Critical Illness Benefit 4 Daily Hospital Cash Benefit + Surgical Benefit 5 Surgical Benefit + Critical Illness Benefit 6 Daily Hospital Cash Benefit + Critical Illness Benefit 7 Daily Hospital Cash Benefit + Surgical Benefit + Critical Illness Benefit
Q: How do I obtain a NOC from the bank for fitting an LPG/CNG kit on my vehicle under finance with HDFC Bank
A: You may obtain the NOC for fitting an LPG/CNG kit on your registered vehicle under finance with us by visiting any of our Retail Loan Service Center and submitting the following documents: Request form for LPG/CNG 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: Are there charges I should know about HDFC Bank Rewards Debit Card
A: Another benefit of the Rewards Debit card is that there are absolutely no transaction charges when shopping at a merchant location.
Q: So how do I get an HDFC Bank Pre-owned Car Loans
A: To get an HDFC Bank Pre-owned Car Loans, just fill the Online Application Form and our representative will get in touch with you shortly. Or you can also Call us or Visit our branch.
Q: Where can I get Fixed Deposit advice from
A: You can now download Fixed Deposit advice through Netbanking in pdf format. With effect from July 13th, 2009 we’ve started sending Fixed Deposit advice over e-mail for Fixed Deposits booked through NetBanking. Physical advice has been discontinued for Fixed Deposits booked through NetBanking. An electronic mail advice is sent to you on your registered e-mail ID within 2-3 working days from the date of booking. You will need to enter the primary Customer Identification Number as a password to open the attachment. If you are registered for e-mail statements, Fixed Deposit advice will be sent to your e-mail ID registered with the Bank. This is applicable for all Fixed Deposit booked / renewed through any mode whether Branch, PhoneBanking or NetBanking. Physical advice is discontinued. In case you do not receive the advice on your e-mail, we request you to check your Spam / Junk folder. Please Note: At any point, if you wish to check your Fixed Deposit holdings, they can be viewed on the Fixed Deposit summary page on NetBanking. In case your e-mail id is not updated with the bank, you are requested to contact the nearest branch and update your e-mail ID. In case you wish to have a physical advice, you may walk into the nearest HDFC bank branch. A copy of the e-mail advice may be submitted to the branch in case of premature liquidation of the deposit. The e-mail advice copy is as acceptable at our branches as the physical advice. View more
Q: What is a KYC Application Form
A: A KYC Application Form has been designed for Individual and Non-Individual Investors separately. These forms are available on the Mutual Funds website, AMFI and Central Depository Services (India) Limited (CDSL). You may also approach your distributor for a form. It is important to read the instructions printed on the KYC Application Form while filling the form.
Q: How do we value the property under home insurance
A: Property valuation is done by multiplying the built up area of the property with the cost of construction per square feet.
Q: What are Benefits for HDFC Bank account holders
A: Benefits are quick processing time and simplified documentation. Further there are preferred rates for customers who have a strong banking relationship with the bank.
Q: I do not have a Bank account with HDFC Bank. Can I still apply through your Bank for IPOs using HDFC Bank`s ASBA process
A: To apply for an IPO from HDFC Bank using ASBA, you should have an account with the Bank. However, it is not compulsory for you to have a Demat Account.
Q: Is there any eligibility criterion to purchase this the Health Suraksha policy
A: A Health Suraksha policy is open to individuals from the age of 3 months to 65 years. There is no entry age limit unlike other policies
Q: Is it mandatory to inform change in health condition in writing while renewing Super Top Up plan
A: No. There is no such obligation under the Policy. Once we have accepted the proposal, member will be eligible for life time renewal.
Q: What is the premium frequency available under the Plan
A: The plan is a single premium Savings cum Investment Plan with a fixed policy term of 15 years.
Q: Can I still approach my broker to apply for an IPO
A: Yes, you can approach your broker to apply for an IPO.
Q: Can I open a joint account with a non-senior citizen for Regular Fixed Deposit
A: You can, as long as the first account holder is a senior citizen.
Q: Can a chip card be used for online transactions
A: Yes the chip card can be used for online transactions. The HDFC Bank Rewards Debit Card has to be registered for 'Verified by Visa’ which ensures safe online transactions after which the card can be used online.
Q: What is the Policy term/Premium payment term
A: Policy Term 10 Year Premium Payment Term Single
Q: Can I add on a Fixed Deposit
A: You can, but it has to be in multiples of Rs 5,000. In this situation, the overdraft rate is recalculated. We will let you know the change. Separate add-on forms exist for adding the Fixed Deposit to the Super Saver Account.
Q: What is HDFC Bank's FoodPlus card
A: It is an electronic VISA prepaid card issued to corporate organizations.
Q: Is this plan only available online
A: HDFC Life Click 2 Protect Plus is an offline term plan. One can buy this plan now offline as well online.
Q: When does the plan acquire Guaranteed Surrender value
A: The policy will acquire a Guaranteed Surrender Value (GSV) provided first 2 years’ premiums have been paid for premium paying term of 5 and 8 years first 3 years’ premiums have been paid for premium paying term of 10 years
Q: Are there any benefits on Agricultural/Priority sector
A: Yes, bank will give preferred interest rates and priority processing for the Priority sector.
Q: In what weight are the gold bars available
A: Currently Mudra - Pure Gold bars are available in 5g, 8g, 10g, 20g, 50g & 100g denominations.
Q: How can I check the balance on my HDFC Bank ForexPlus Chip Card
A: You can check the balance on 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 ForexPlus card.
Q: What is pre-EMI interest
A: Pending final disbursement, you pay interest on the portion of the loan disbursed. This interest is called pre-EMI interest. Pre-EMI interest is payable every month from the date of each disbursement up to the date of commencement of EMI. *Conditions apply. All Home Loans from HDFC Ltd. Credit at sole discretion of HDFC Ltd.
Q: Can I use the RuPay ATM card at Merchant outlets or on Ecom website
A: No, the ATM card can be used on to withdraw money from ATM machines only. The ATM cards cannot be used for payment at Merchant outlets or on Online payments
Q: Are there minimum or maximum limits for RTGS transfers
A: The RTGS system has been designed for large value transactions. The minimum amount to be remitted through RTGS is Rs. 2 Lakhs. There is no upper ceiling for RTGS transactions. The only change to this is RTGS transactions done through NetBanking, when the maximum amount of funds that can be transferred per Customer ID per day is Rs. 10 Lakhs. View more
Q: What is ASBA
A: ASBA means 'Application Supported by Blocked Amount' as defined in clause (d) of sub Regulation (1) of regulation 2 of the SEBI (Issue of Capital and Disclosure Requirements) Regulations, 2009. ASBA is an application containing an authorization to block the application money in the Bank account for subscribing to an IPO/FPO or Rights Issue.
Q: Can the ATM PIN be changed
A: No, the ATM PIN cannot be changed.
Q: Can I access my Premium Current Account from any HDFC Bank branch
A: Yes, you can. Our advanced technology provides you with the flexibility of accessing your account from any of our branches.
Q: Do I need to pay additional amount over and above Cash withdrawal Charges levied by the HDFC Bank for ATM transaction
A: In certain countries ATM Service providers are authorized to charge surcharge/convenience fees from the cardholders for accessing the ATM to withdraw money. These charges are levied by the ATM service provider over and above the charges levied by the HDFC Bank, and HDFC Bank bank has no control over the charges as these charges are not levied by the bank.These charges are normally displayed to the customer during the transaction and the customer has the option to either proceed with the transaction or abort if the charges are not acceptable to the customer.
Q: What are the minimum and maximum premiums available under this product
A: The minimum and maximum premium amounts differ depending on if single or annual mode of premium payment is selected. The minimum premium under the product is: 1. Rs 2,184 for Single Pay 2. Rs 676 for Regular Pay The maximum premium under the product is: 1. Rs 4,04,279 for Single Pay 2. Rs 1,22,068 for Regular Pay These premium amounts are exclusive of applicable taxes and Swach Bharat Cess.
Q: Why can't I have liquidity of complete amount on surrender
A: The plan aims to help in creating fund for retirement. Annuitisation of surrender benefit is mandated by the Regulator in the interest of the customer. Annuitisation ensures that the aim of the policy is not compromised for other financial needs.
Q: Where do I get this card
A: Regalia ForexPlus 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 the Regalia ForexPlus Card. The card will get activated within 5 to 6 hours from realization of funds. Alternatively, existing bank customers can apply for the card by logging in to HDFC Bank NetBanking by selecting Purchase Forex Card option under Cards tab.
Q: If I forget my VBV/MSC  password, how do I retrieve the same
A: If you have forgotten your password, Click on Forgot password on Netsafe login page. Authenticate your identity after entering 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). Once the details are validated One time password will be sent to your email id and mobile no, using this permanent password can be set. You can also reset your password while transacting, click on Forgot password on the secure password page Authenticate your identity after entering 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). Once the details are validated One time password will be sent to your email id and mobile no, using this permanent password can be set.
Q: Can the JetPrivilege HDFC Bank World Debit Card be taken by public / private / partnership firm
A: JetPrivilege HDFC Bank Debit Card can be issued to the authorised signatories of public / private / partnership firms.
Q: What are the Policy Terms and Premium Payment Term options available under HDFC Life Uday
A: You have an option to select a Policy Term of 12 years or 15 years. For a 12 year term, the premium payment term is 8 years while for a 15 year term, you have the option of selecting a premium payment term of 8 years or 10 years.
Q: Whether the EEFC balances can be covered against exchange risk
A: Yes, the EEFC account balances can be hedged.
Q: Will I get a renewed policy
A: Yes, you shall receive the renewed policy
Q: How is the Fund Value calculated
A: Fund Value will be calculated by multiplying balance units in your fund by the then prevailing NAV price. Please refer to product brochure for more details and/or consult Relationship Manager.
Q: What is the minimum balance that I need to maintain in a Flexi Current Account
A: You have to maintain an Average Monthly Balance (AMB) of Rs. 75,000 in a Flexi Current account. If you are unable to maintain the AMB you will be have to pay a charge of Rs. 1,000 for the month in which the AMB has not been maintained.
Q: Do I need to pay additional amount over and above Cash withdrawal Charges levied by the HDFC Bank for ATM transaction
A: In certain countires ATM Service providers are authorized to charge surcharge/convenience fees from the cardholders for accessing the ATM to withdraw money. These charges are levied by the ATM service provider over and above the charges levied by the HDFC Bank, and HDFC Bank bank has no control over the charges as these charges are not levied by the bank.These charges are normally displayed to the customer during the transaction and the customer has the option to either proceed with the transaction or abort if the charges are not acceptable to the customer.
Q: Can I load ISIC ForexPlus card by making payment in Cash
A: No, ISIC ForexPlus card cannot be loaded against payment of cash.
Q: What is a Benefit Policy
A: Under a Benefit Policy the insurance company pays the policy holder a lump sum amount, on the occurrence of an insured event.
Q: When will the Bank lock money in my Account for ASBA payments
A: The Bank will need the money in your account at the time of placing the bid for IPO shares through the ASBA payment option. SEBI has clearly instructed Banks not to accept IPO applications before blocking the bidding amount (for ASBA process). The amount will remain locked until the registrar / stock exchange requests the Bank to release the funds, either if shares are not allotted to you, your IPO application is rejected or you withdraw your IPO application.
Q: What kind of benefits is my spouse and children entitled to
A: 100% of the sum insured in case of accidental death, permanent disability, broken bones, burns,Hospital cash of the spouse & 10% of the sum insured in case of accidental death or permanent disability of the children.
Q: What is the maximum amount I can borrow with an HDFC Bank New Car Loans
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 **. **Offers on specific models .Terms & conditions apply.
Q: Are there any Tax benefits with this product
A: Yes, you may be eligible for tax benefits under section 80D of the Income Tax Act 1961.Please note that the above mentioned benefits are as per the current tax laws. Your tax benefits may change if the tax laws are changed. It is advisable to re-confirm the same with your tax consultant.
Q: Can a HUF/ Leased (Mhada/Cidco) property be insured
A: If you have financial interest in the property as owner or lessor then you can insure the property.
Q: My present status is NRI. What extra documents are required for opening a Sole Proprietorship Current Account
A: NRI/PIO can open the proprietorship/partnership firm subject to following customer declaration (which needs to be taken from the customer): Amount is invested by inward remittance or out of NRE/FCNR/NRO account maintained with AD bank (from the Current Account of the customer). The firm or proprietary concern is not engaged in any agricultural/plantation or real estate business (i.e. dealing in land and immovable property with a view to earning profit or earning income there from) or print media sector. Amount invested shall not be eligible for repatriation outside India. The above should be clearly mentioned in the declarations given by the customer. View more
Q: What to do if my Account becomes dormant
A: Due to non operation for a period of 2 years your account will become Dormant. In order to activate your account you are requested to :Submit a written instruction signed by all applicants along with ID proof and address proof at the branch where the account is held or at your nearest branch. Initiate credit or debit transaction atleast once in a year to keep your account active. For information on the complete address and contact details of our Branches as well as our PhoneBanking numbers Click Here
Q: Can I load ForexPlus Platinum card by making payment in Cash
A: No, ForexPlus Platinum card cannot be loaded against payment of cash.
Q: Where should I contact or write for my doubts or queries
A: For all Times points related queries, you are requested to write to [email protected]
Q: Can I withdraw before maturity
A: You can make lump sum partial withdrawals from your funds after 5 years of your policy, subject to terms & conditions. Please refer to product brochure for details.
Q: How do I make my premium payments for my Accidental Protection Plan - Hospital Cash policy
A: This is an annual policy where the premium can be made online via Credit Card, NetBanking or Cheque.
Q: What are the charges towards availing GCAS services
A: Following are the charges for availing GCAS facility offered by Visa: Cardholder Inquiry Service: US $ 5 per inquiry Lost/Stolen Card reporting: US $ 35 per card Emergency Card Replacement: US $ 175 Emergency Cash Disbursement: US $ 175
Q: How many ASBA applications can be made by blocking a single Bank Account
A: As per the SEBI Regulations, under ASBA mode, not more than 5 applications can be made from a single Bank Account for a particular IPO.
Q: Do I have to pay any margin money - my own funding (Education Loans For Foreign Education)
A: Margin Money upto Rs. 4.00 lacs - Nil, For loans above Rs. 4.00 lacs - 15%.
Q: What is the maximum value for which the Card can be used
A: There is no limit imposed on the usage of Hajj Umrah ForexPlus card. Customers can withdraw/utilise any amount up to the value loaded on Hajj Umrah 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 HDFC 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: What is an injury or injuries
A: Injury or injuries means any physical, external or accidental bodily injury occurring suddenly in time and resulting solely and independently of any other cause or any physical defect or infirmity existing before the period of insurance.
Q: Is employment confirmation mandatory for me to open a Regular Salary Account
A: Yes, employment confirmation is required to ensure that you are an employee of the company.
Q: Do I need to pledge anything or give collateral to get a car loan
A: No, there’s no need for any collateral. You will only need you to hypothecate the car in our name. An endorsement will have to be made in the Registration Certificate (RC) book of the vehicle. This will be cancelled after you repay the loan.
Q: What is the mode of repayment (Education Loans For Foreign Education)
A: You have the option of repaying the loan through a Standing instruction, ECS or post-dated cheques.
Q: How can I book a Fixed Deposit through NetBanking
A: You can book Fixed Deposits through NetBanking provided: You have registered for the facility with necessary online financial transaction rights Your PAN number is updated under your Customer Identification Number in Bank's records The following are the steps required to book your Fixed Deposit online: Access your NetBanking account with your Customer ID and IPIN (NetBanking Password) Select Open New Fixed Deposit option under the Fixed Deposit menu from the Menu bar located on the left hand side of the web page Select the desired values from the Drop-down lists Once complete, click on Continue and Confirm the details entered A new web page, confirming the Fixed Deposit booking, will be displayed. Physical advice will not be sent for Fixed Deposits booked through Net Banking. An electronic mail advice will be sent to you on your registered e-mail ID within 2 working days. The password for your Fixed Deposit Advice will be your Customer ID. At any point, if you wish to check your Fixed Deposit holdings, the same may be viewed on the Fixed Deposit summary page on Net banking. In case you want physical advice, you may walk into your nearest HDFC bank branch. View more
Q: Is there a monthly or quarterly interest pay-out option
A: Interest is paid when the Recurring Deposit account is closed, and on maturity.