GhulamShabbirKhan/BankFAQs-Phi4 huggingface dataset:
Q: What is so special about this product
A: HDFC Life APP has benefits such as: Capital Guarantee of 101% - 135% - APP is a unit linked plan that provides you the upside of the equity markets. However, to protect you from the market downfall, you have the Assured Vesting Benefit of 101% -135%, depending on the Premium Paying Term and Policy Term combination. This means that your capital is completely protected from any downside Pension Multipliers – As a Loyalty benefit, Pension Multipliers would be added to the fund value every alternate year starting from the end of 11th policy year. These additions will be equivalent to 1% of average fund value for the immediate preceding two years, subject to the policy being in force and all premiums paid till date. Early start to boost your corpus – With APP you can start your retirement planning as early as 18 years. The earlier you start, you would gain from the power of compounding and be able to build a bigger corpus before your retirement Lower vesting age limits – The minimum vesting age of APP is 45 years, this would help you to plan for early retirement
Q: Can I use the DCC/ MCC option at the time of transaction
A: Whenever Regalia ForexPlus Cardholder opts for DCC/MCC option on DCC/MCC enabled POS/ATM terminals, his/her transaction passes through cross currency transactions twice. It is not advisable for a ForexPlus cardholder to opt for DCC/MCC while using ForexPlus 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: How will HDFC Bank sell the gold
A: HDFC Bank is selling the gold through its branches.
Q: What are the most important guidelines post disbursements for Pre-owned 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: What is Life Stage Protection feature
A: Under this feature, you have the option to increase the basic Sum Assured without underwriting on any of the below specified events in the life of the Life Assured 1stMarriage: 50% of Sum Assured subject to a maximum of Rs. 50 lakhs Birth of 1st child: 25% of Sum Assured subject to a maximum of Rs. 25 lakhs Birth of 2nd child: 25% of Sum Assured subject to a maximum of Rs. 25 lakhs This feature is available under all plan options
Q: What are the medical reports that need to be submitted to avail of Travel Insurance
A: For any insured with an adverse history of: Blood Sugar PP and Fasting ECG Report with tracing Echo Cardiography report USG Whole Abdomen Any insured with any of these needs a doctor’s certificate with all details of past ailments and present medication, if any and a doctor’s certificate stating the insured is fit to travel. View more
Q: Can I change the tenure and installment due date, (auto debit date) of my Recurring Deposit
A: No it is not possible to change the tenure and installment due date, (auto debit date). We request you to open a new Recurring Deposit with the desired due date and tenure.
Q: Is there a load amount limit
A: Card balances cannot be more than Rs. 50,000 at any given point in time.
Q: How can I avail of Global Customer Assistance Services (GCAS) for my ForexPlus Platinum Card
A: You can call the VISA call centre numbers to avail the services available on Global Customer Assistance Services. Click here for Country wise Visa Call Centre numbers.
Q: What are the key features of current account
A: Current Account Varaint SMARTUP ALPHA SMARTUP MAX Current Account Feature Minimum Balance Requirement Zero Balance for 1 Year, subject to any 2 debit transactions in the first 6 months from account opening Year 2 onwards Rs. 25,000 Average Quarterly Balance 5,00,000 Average Quarterly Balance Enjoy privileges of Preferred Banking* Free Cheque Leaves 100 Per Month 500 Per Month RTGS & NEFT FREE FREE Local & Anywhere cheque collections/payments and fund transfer FREE FREE Free Cash Deposit Limit Per month across all branches Upto 12 times the Average Monthly Balance per month or 25 transactions whichever is lower,(subject to maximum Rs 100 lacs/month) Upto 12 times the Current month Average Monthly Balance or 60 Lakhs or 60 transactions which breached first (subject to maximum Rs 200 lacs/month) Additional Privileges Debit Card Platinum Debit Card with No Annual Fee 1 cash back for every Rs 100 spent * Times Debit Card with No Annual Fee Earn 2 Times Points for every Rs. 150 spent * Exclusive Discount of 10% or more on online lifestyle, entertainment, dining and grocery * Corporate Credit Card (FD backed card with credit limit of 75%) Business MoneyBack (FD Amount Rs. 45000) Business Regalia First (FD Rs.2,00,000) Business Regalia- (FD Rs. 4,00,000) Business MoneyBack (FD Amount Rs. 45000) Business Regalia First (FD Rs.2,00,000) Business Regalia- (FD Rs. 4,00,000)
Q: Who all can open SmartUp Current Account
A: SmartUp Solutions is targeted primarily for the newly incorporated Start-up companies working towards innovation, development, deployment or commercialization of new products, processes or services driven by technology or intellectual property. - Proprietorship, Partnerships, LLP, Private limited companies and Limited companies can open this account. - Date of incorporation / registration of business should not be more than five years from date of account opening
Q: What are the other benefits that I can get from my Loan Against Securities Account
A: All the benefits that we offer on the Current Account are also applicable to the Overdraft account. This includes facilities like Phone Banking, NetBanking, BillPay and ATM. As a privileged Loan Against Securities customer, you will be entitled to our FREE International Debit Card.(only for the first holder)
Q: How much of foreign exchange earnings can be credited into an EEFC account
A: 100% foreign exchange earnings can be credited to the EEFC account subject to the condition that the sum total of the accruals in the account during a calendar month should be converted into rupees on or before the last day of the succeeding calendar month after adjusting for utilisation of the balances for approved purposes or forward commitments. Refer to the RBI circular on below link. Note: In accordance with Reserve Bank of India's circular no. A. P. (DIR Series) Circular No. 12 dated 31st of July 2012, the balances outstanding in all EEFC / Diamond Dollar Account (DDA) and RFC (D) accounts as on last day of a Current month, shall be converted into Rupees by the Bank on the last working day of the succeeding month, if such balance is not utilised by the account holder before the last day of succeeding month. Such mandatory conversion by the bank on the last working day of the succeeding month will be done at the prevailing TT buying card rate. In case, customer has booked Forward Contract/s for conversion of balances in these accounts at a future date which is falling beyond the last day of the succeeding month, such contracted amount shall be deducted from the eligible amount for the mandatory conversion. In case customer has any payment to be made in future from these accounts beyond the last day of the succeeding month then bank should be duly informed before 25th of the succeeding month in writing through Relationship Manager / Branch Manager for holding back the conversion to that extent. The customer needs to submit the underlying documents of such future transaction/s. This will be an on-going procedure till we receive revised instructions from Reserve Bank of India. View more
Q: What are the tenures for which I can avail this loan
A: HDFC Bank Consumer Durable Loan is available in 12, 18, 24 and as long as 36 months
Q: Will I also be able to save tax through a Children’s Plan
A: Yes, you will be eligible for tax benefits under Section 80C and Section 10(10D) of the Income Tax Act, 1961, subject to the provisions contained therein (tax benefits are subject to change in the tax laws. Please refer to the Tax Benefits section for more details).
Q: What benefit do I get from the Revive Policy for Personal Accident if I break my bones
A: You get 10% of the sum insured up to Rs. 50,000 (for dependent parents) if you break your bones in an accident.
Q: Can I load GiftPlus card by making payment in Cash
A: No, GiftPlus card cannot be loaded against payment of cash. GiftPlus card can be loaded by way of a Direct debit to your HDFC Bank account, local cheque drawn on HDFC Bank or demand draft
Q: What is covered under the benefit Loss of Checked Baggage
A: This benefit will reimburse the insured person the cost of replacement of the articles if the Checked-in Baggage or Personal Documents are permanently damaged or lost.
Q: How can I cancel my Forex Plus Card
A: To cancel your ForexPlus Chip Card, we request you visit our your nearest HDFC Bank branch and place a request towards cancellation the of the card. Your request will be processed within one working day of us receiving the request and the available balance on the card will be refunded back to your account. Incase you do not have an account with us then a demand draft shall be issued for the respective refund amount. There are no charges towards the cancellation of a ForexPlus Chip Card. However, currency conversion tax as applicable from time to time will be deducted at the time of providing credit to you. Kindly visit the following URL to access information for the complete address and contact details of our Branches and PhoneBanking centers:
Q: What plans are available under  the Revive Policy for Personal Accident
A: HDFC ERGO offers a wide range of sums insured ranging from Rs. 2.5 Lakhs to Rs. 15 Lakhs, with four plan options to choose from: Self Plan Self and Family Plan Self + Dependent Parents Add-On Self and Family + Dependent Parents Add-On
Q: What should I do in the case of a void transaction for International 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: Does  the Accidental Protection Plan - Hospital Cash policy have a hospital cash benefit
A: Yes hospital cash provides a benefit of Rs. 1,000 for every day up to a maximum of 30 days in case of hospitalization due to an accident.
Q: Do I need to provide collateral to avail of an education loan (Education Loans For Foreign Education)
A: For loans up to Rs. 4 lakh - No collateral or Third Party Guarantee is required For loans from Rs. 4 lakh to Rs. 7.5 lakh – No collateral required, however Third Party Guarantee is required For loans above Rs. 7.5 lakh – collateral is required. You can choose from any of the following acceptable collaterals: Residential Property HDFC Bank Fixed Deposit LIC/NSC/KVP View more
Q: Can I include my parents in this policy
A: Yes, you can include your dependent parents up to 65 years. The plan provides add on benefits for your dependent parents with an affordable flat rate. Now you can give back a small measure of the love and concern they showed for you.
Q: How long can the tenure of my loan be
A: Usually the tenure of an Auto Loan is 3 to 7 years. The tenure also depends on the type of car you wish to purchase. If it is a super premium car the tenure is restricted to 3 years only. In addition, the higher your tenure is the lower your EMI will be, but the total interest outflow is higher.
Q: How much time will it take to change the mode of repayment/ account to repay my loan
A: It will take 25 working days to activate the revised instructions. In case your next instalment falls due prior to the 25 day period, instructions already lodged with us will be presented for payment.
Q: Does customer need to log-in to every Times Internet Limited page for earning Times Points
A: Yes. Customer needs to log-in to earn times points for activities done on any website.
Q: What are the different types of Savings Plans
A: You may choose between a traditional endowment plan and unit-linked insurance plan depending on a number of factors including your risk profile, your understanding of different financial instruments and your ability to track your investments regularly. Therefore , those who are well aware of the financial markets, are willing to bear the investment risk and desire a higher return can look at unit linked products and vice versa.
Q: Is there a fee to register for Verified by Visa / MasterCard Securecode
A: The service is free, There is no additional charges for using the service.
Q: What is the maximum loan amount I can take on a Tractor Loan
A: You can borrow up to 90%, subject to credit underwriting standards of the bank.
Q: What are the loan tenure options for Professionals Loan
A: You can repay your loan over a period of 12 to 60 months
Q: Does the KYC Acknowledgement have an expiry date
A: No. Once the KYC Acknowledgement is obtained and informed to a Mutual Fund, it will be registered against the folio and quoted in all future account statements. The same will exist in perpetuity, unless cancelled by CVL.
Q: Does the Travel Insurance policy cover loss of cash/Credit Card
A: The company is not liable to pay any benefit in respect of loss of cash, bank or currency notes, cheques, Debit or Credit Cards.
Q: How long does it take for the IVR Password  to get delivered using Verified by Visa/Mastercard Secure Code
A: The IVR Password will get delivered instantly, in less than a minute. Please ensure that you also check your Spam, Junk and all other folders for the IVR Password mailer from HDFC Bank.
Q: What are the benefits of a retirement plan
A: Retirement Plans provide you with a steady flow of income post retirement so that you can continue to live a financially independent life.
Q: What are the KYC requirements for a Mutual Fund Investor
A: Individual investors will have to produce a Proof of identity (Photo PAN card copy or PAN card copy and copy of the passport, driving license, etc.) and Proof of Address (any of the valid documents listed in section B of the KYC Application Form for Individuals). Non-Individual Investors will have to produce certain documents pertaining to its constitution/registration to fulfill the KYC process. A list of Mandatory Certified Documents to be submitted can be found in section C of the KYC application form for Non-Individual Investors.
Q: Is my overdraft limit fixed
A: This will completely depend on the market rate of the securities that you have pledged. Of course, we will value your portfolio periodically to determine your overdraft limit. You can increase your overdraft limit by pledging more shares/securities , or decrease it by withdrawing them – that's completely up to you.
Q: What is a retirement plan
A: Retirement Plans refers to insurance plans which aim to offer you income/ pension after retirement when you may not have any other adequate source of income.
Q: Will TDS be charged on the gross interest earned or the net interest earned
A: TDS (Tax Deducted at Source) is charged if, in a financial year, the gross interest earned on your fixed deposits held with the bank exceeds Rs. 10, 000.
Q: What is the AMB (Average Monthly Balance) requirement of the Institutional Savings Account
A: An Institutional Savings Account is a ZERO BALANCE account.
Q: Why is the customer required to fill a cardholder dispute form (CDF) to report transaction dispute
A: A duly filled in Cardholder Dispute Form (CDF) mentioning all the required details of the disputed transaction(s) and the exact nature of dispute, aids the Cardholder as well as the Bank to initiate accurate investigation with the respective Merchant / Member Bank.Pls click on link below to view the cardholder dispute form: http://www.hdfcbank.com/assets/pdf/Cardholder_Dispute_Form.pdfNOTE: A detailed email mentioning all the required details and supporting documents (if any), as mentioned in the CDF, can also be written to [email protected]
Q: How do I renew my Accidental Protection Plan - Hospital Cash policy
A: We will send you renewal reminders. The number of days in advance the reminder is sent depends on the pay plan you have opted for. Pay plan break up: Cheque – 45 days Credit Card – 60 days View more
Q: Who is eligible for a tractor loan
A: Whether you are a farmer or not, you can avail HDFC Bank's Tractor loan for agricultural or commercial purposes. If you are a farmer, you must have a minimum of 3 acres of agricultural land. To know about the eligibility criteria in detail, click here.
Q: Do I need to have an HDFC Bank account to purchase HDFC Bank Multi Currency ForexPlus Platinum Card
A: No, you don't need to have an account with HDFC Bank to purchase the HDFC Bank Multi Currency ForexPlus Platinum Card. You can just walk into any of our HDFC bank branches in India and purchase it over the counter.
Q: What are the exclusions available under the Plan
A: In case of death due to suicide within 12 months from the date of inception of the policy or from the date of the revival of the policy, the nominee or beneficiary of the policyholder shall be entitled to the fund value, as available on the date of death. Any charges recovered subsequent to the date of death shall be paid back to the nominee or beneficiary along with the death benefit. In case, the Policyholder has opted Extra Life Option under the Plan, the Accidental Death Benefit will be payable subject to terms and conditions. For detailed exclusions please refer to product brochure carefully and/or consult Relationship Manager.
Q: How do I apply for a Basic Savings Bank Deposit Account - Farmers with HDFC Bank
A: To apply for a Basic Savings Bank Deposit Account - Farmers with HDFC Bank, you need to choose from the following: 1. Requesting a Bank representative to contact you.Fill in your details here and our representative will get in touch with you shortly. 2. Download an application form Once you have downloaded the form, you just need to follow the steps mentioned below: Print and fill-in the application form. Attach the required documents. Click here to see the documents required. Submit the documents at any of our branches. Click here to find a branch near you. Please allow us a week's time to revert on your application. View more
Q: What are the various fund options in this plan
A: There are 8 fund options to choose from in this plan Equity Plus Fund Diversified Equity Fund Blue Chip Fund Opportunities Fund Balanced Fund Income Fund Bond Fund Conservative Fund
Q: Can I exercise the freelook option in this policy
A: In case you are not agreeable to any of our terms or conditions, you have the option of returning the policy to HDFC Life stating the reasons thereof, within 15 days of receipt of the policy bond.