GhulamShabbirKhan/BankFAQs-Phi4 huggingface dataset:
Q: Where can I shop with Verified by Visa
A: You can shop at participating online stores that have the Verified by Visa/ MasterCard SecureCode mark.
Q: Can I be insured for a trip of any duration under the Travel Insurance policy
A: Yes, our travel plans provide coverage for trips as short as 1 – 4 days.
Q: What are the benefits under  the Health Suraksha policy
A: Health Suraksha offers optimum health coverage at affordable prices. The plan not only covers hospitalisation expenses due to accidents or illness but also extends to cover pre and post hospitalisation expenses, day care procedures, domiciliary treatment, organ donor expenses, emergency ambulance and ayush benefit.
Q: Will the basic death benefit amount be reduced by the survival benefits already paid
A: No. On death of the life assured after the commencement of survival benefits under Academia and Career maturity benefit options, the Death Benefit payable shall not be reduced by the survival benefits already paid.
Q: What if I Forget my Activation Code
A: Visit HDFC bank Prepaid NetBanking option and select Forgot Activation Code and provide your card number, Date of Birth and passport number. The code will be sent to your registered email ID. Click here to see the demo.
Q: Are top-ups allowed in this plan
A: There isn’t any provision of top-up premiums in this plan.
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 Line) or 1800-2-700-700 (Any Line) or 022 66384800 ( 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: Will you give me a bill when I purchase Mudra Pure Gold Bars from HDFC Bank
A: We will give you an Invoice for all gold bars purchased from us. The Invoice will carry the weight, quantity and purity of the gold bars and will be signed and stamped by the Bank.
Q: What happens if I don't use my savings account for a very long time
A: The account becomes dormant if there are no customer initiated transactions (excludes system generated transactions like credit interest, debit interest), in the account for a continuous period of two years. If the account status is 'Dormant', transactions through Direct Banking Channels like ATM, NetBanking, PhoneBanking are not be allowed by the Bank.
Q: What are the charges on the card
A: The usage of the card is not charged but the reissuance of the card is charged Rs. 100 per reissuance.
Q: How do I repay my Professionals loan
A: You pay the loan in equal monthly instalments (EMIs). The loan will be paid through post-dated cheques. You can also pay through Electronic Clearing System (ECS ) or a standing instruction to debit your HDFC Bank account with the EMI amount
Q: For how many days can the Travel Insurance policy be extended
A: The policy may be extended for a maximum of 180 days. The total policy period including extension should not exceed 360 days.
Q: Who can be the beneficiary
A: The beneficiary could be any member of your family.
Q: Do I have to make any repayment during the moratorium period (Education Loans For Indian Education)
A: You have the option of servicing simple interest during moratorium period. Simple interest will be calculated on the loan amount disbursed payable monthly.
Q: How does this card work
A: Your HDFC Bank Hajj Umrah ForexPlus card will be activated with SAR within 4 hours from the bank getting the clear funds from you. Once activated, 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 Hajj Umrah 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 Hajj Umrah ForexPlus card. HDFC Bank Hajj Umrah ForexPlus card is accepted at all Merchant Establishments displaying the Visa symbol. The card can be used to withdraw cash at all Visa ATMs worldwide. Irrespective of the currency loaded on the card, the cash will be dispensed based on the currencies supported at the ATMs. Please note that you can select /change your ATM PIN with the help of NetBanking facility for Multicurrency Cards.
Q: Can I get finance for insurance and registration
A: No. The ex-showroom price is considered which does not cover insurance and registration charges.
Q: How do I know if I am eligible for the education loan for Indian education
A: If you are an Indian resident/citizen, have got admission in a graduate/ post graduate course in a college/institute/university which is recognized by the UGC/AICTE/AIBMS or ICMR, then you are eligible for the HDFC Bank Student Loan for Indian Education.
Q: How to apply for 5 Year Tax Saving Fixed Deposit
A: We request you to visit the nearest branch and fill the fixed deposit booking account opening form to open a 5 Year Tax Saving Fixed Deposit.
Q: Must I open Institutional Current Account in each location where I have my company office
A: No. As a Institutional Current Account holder you have the advantage of single account, multi-location banking.
Q: Can I buy a Motor Insurance policy online
A: Yes, you can purchase an HDFC ERGO Motor Insurance policy online by using your Credit Card or online bank account.
Q: How do I know if an ATM will accept my Regalia ForexPlus Card
A: Look out for the MasterCard logo.
Q: Whom should I contact if my card is lost or stolen
A: Immediately report the loss of your HDFC Bank ForexPlus Platinum Card by calling HDFC Bank Phone Banking. You will not be liable for transactions on your Card Account (if any) from the moment your report is registered with the bank.
Q: How can I Buy/Sell Mutual Funds
A: Once you are registered for an Investment Services Account you can start placing orders to buy/sell Mutual Funds through NetBanking services offered by HDFC Bank. Investing through Net Banking: You will have to login with your Customer ID and Internet Password to place orders for Mutual Funds on the website. You can view your Mutual Fund Holdings with their present market values on our website The cut-off time on the NetBanking Channel for the Same Day NAV for Mutual Funds transactions is 2 PM.
Q: How much time will it take to decision an application for Loan Against Property
A: Applications would be decisioned within 6 days* *Subject to customer submitting all the required financial and collateral documents to the bank at the time of application. Also subject to legal & technical clearance of the property, Applicable for cases upto 3 crores.
Q: Can I transfer currency on my Card from one wallet to other
A: You can transfer balance of one currency wallet to other currency wallets depending on your need using the NetBanking facility. Currency conversion charges as decided by the Bank from time to time would be applicable for such transfers and would be communicated to you at the time of transfer.
Q: Will the bank issue a TDS certificate
A: You will receive a consolidated TDS Certificate in Form 16A, for TDS deducted during a financial year, in the month of April of the following financial year.
Q: How long can I keep my earned Times points
A: When you earn points, your points earned are valid for 12 months from the date of earning. The points will expire on the 1st of every month.
Q: I am a NRI. Can I Invest in this plan
A: NRIs can invest in this plan by filling a mandatory NRI questionnaire.
Q: How many days in advance can I purchase foreign exchange
A: You can purchase foreign exchange up to 60 days in advance from the date of departure.
Q: Can I issue Cheque for loading of ISIC HDFC Bank ForexPlus Card
A: Customer can load ISIC ForexPlus 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: 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 cheques issued View more
Q: As a 5 Year Tax Saving 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 15G/15H 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 Form - 15G/H needs to be submitted in the first week of the financial year for exisitng deposit and separately each time for subsequent deposit booked in the Financial Year. View more
Q: Will I get tax benefit if I cover my family on individual Sum Insured basis
A: Yes, you will get Tax benefit under section 80D.
Q: My institution will start receiving foreign contribution. Can I receive the same in the Institutional Savings Account
A: No. The institutional Savings Account cannot be used for receiving foreign contribution. You will need to open a separate FCRA account for receiving foreign contribution.
Q: Whom should I contact if my Card is lost or stolen
A: Immediately report the loss of your HDFC Bank Multi Currency ForexPlus Platinum Card by calling HDFC Bank PhoneBanking. You will not be liable for transactions on your Card Account (if any) from the moment card loss is registered with the bank. You can also hotlist the card by using NetBanking services.
Q: What is the Assay Certification about
A: Mudra Silver Bars come with an Assay certification, which signifies the highest level of purity as per international standards.
Q: What security is required against the Gold Loan
A: All gold to be brought to HDFC’s designated/disbursement branch.We will value the gold and based on that valuation you can choose from the various product offerings, depending on your loan requirement.
Q: How is an Apex Current account different from a regular Current Account
A: An Apex Current account includes the following privileges: Higher free limit of Rs. 120 Lakhs per month for cash deposits at your home branch Unlimited free clearing transactions anywhere for payments and collections Free and faster collection of outstation cheques at HDFC Bank locations Free Demand Drafts and Pay Orders Free RTGS and NEFT transactions Free BillPay and InstaAlerts Free Business Debit Card These features make an Apex Current account different from a regular Current account. View more
Q: Can I have both a Super Saver facility and a Sweep-In facility on the same Fixed Deposit
A: No. You can only have one of the two facilities on a single Fixed Deposit.
Q: How is HDFC Bank's Max Current account different from a regular Current Account
A: Your Max Current account includes the following privileges: Combined free limit of 60 Lacs per month at home and Non- Home Locations. Free and faster collection of outstation cheques at HDFC Bank locations Free Demand Drafts and Pay Orders Free RTGS and NEFT transactions Free BillPay & InstaAlerts Free Business Debit Card This makes a Max Current account different from a regular Current account. View more
Q: Do I need to lodge an FIR in case of an accident
A: You will need to lodge an FIR in the following circumstances: Any third party personal injury or death due to an accident involving your vehicle Any personal injury or death of a paid driver Any personal injury or death of an owner-driver Any personal injury or death of a passenger Any third party property damage Theft of the entire vehicle Theft of accessories, stereo-recorders, other vehicle parts
Q: My spouse and I both have the same card number. How does Verified by Visa/ MasterCard SecureCode work for both of us
A: Verified by Visa / MasterCard SecureCode will still work for both of you. You will only need to register the primary card.
Q: Will the policyholder get a premium discount in cases where there is no claim submitted in the previous year
A: No, the Policyholder will not get any premium discount as the premiums are guaranteed or fixed for a period of three years from the date of inception or renewal of the policy. However, in the absence of claims in any year, the policyholder will be rewarded with the increase in Sum Insured through Multiplier Benefit.
Q: What should I do in the case of a void transaction for Rewards Debit Card
A: Just fax us a copy of the void transaction slip. You can also send it to [email protected] or submit the same at your nearest HDFC Bank branch. For PhoneBanking numbers click here.
Q: Which cars can be financed for Loan against Car
A: Any Hatchbacks and Sedans, excluding some models that are out of production can be financed. To know more give us a call or visit a branch.
Q: Do I need to visit branch to receive my 5 Year Tax Saving Fixed Deposit proceeds on maturity
A: Customer is not required to visit the branch , FD proceeds will be credited to customers account on maturity as per instructions.
Q: What are the services offered by TPA
A: The services offered by TPA are given below: 24x7 assistance to policyholders through the toll free number Assistance for authorizing and processing cashless facilities Claim processing and reimbursement of claims
Q: Can I issue Cheque for loading of ForexPlus Chip Card
A: Customer can load ForexPlus Chip 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: Does  the Accidental Protection Plan - Hospital Cash policy cover natural death and daily sickness as well
A: This policy only covers accidental death.
Q: What benefit do I get from the Accidental Protection Plan - Hospital Cash policy if I break my bones
A: You will be paid up to Rs. 50,000 if you break your bones in an accident.
Q: How do I become eligible for an HDFC Bank Regular Current Account
A: If the Average Quarterly Balance (AQB) in your Current Account is over Rs.10,000 you are eligible to enjoy the benefits of a Regular Current Account.
Q: Can I insure my children in the Family Floater Plan
A: Yes, you can insure your children from the age of 91 days.
Q: What are the different types of Personal Accident Covers available for drivers and passengers
A: An owner driver is given Personal Accident Cover up to Rs. 2 lakhs (for cars)/ Rs. 1 lakh (for two-wheelers). This cover can also be extended to paid drivers and persons travelling in the vehicle, on a named and unnamed basis.
Q: Is there any Times points Apps which I can download on my mobile
A: Yes, you can download the app for your Android mobile from Google Playstore or for your iPhone from App Store.
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 the 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. View more
Q: Why Should I take this card
A: This is an Unique proposition from HDFC Bank and Times Internet Limited to provide you with opportunities to accumulate points while spending as well as using media contents e.g. You can use debit card to buy mobile /laptop etc. and earn Times points or you can surf through the Times Internet Limited properties to earn Times points. The times points can be redeemed on www.timespoint.com against attractive offers and gifts.
Q: Are there extra charges for Womans Advantage Debit Card
A: There are absolutely no transaction charges to think about when using your card at a merchant location. There are also no fees for using an HDFC Bank ATM. Just remember to check for usage charge information if you access other bank ATMs.
Q: Are there any alterations allowed under this plan
A: You shall have the option to alter the premium payment frequency at any Policy anniversary
Q: What are the consequences of KYC cancellation/rejection
A: In the event of any KYC Application Form being found deficient for lack of information/insufficiency of mandatory documentation, further investments will not be permitted.
Q: Where can I use my EasyShop International Debit Card
A: Anywhere you see the Visa logo, and at any ATM displaying the Visa or PLUS logo. Remember, your card can be used at all HDFC Bank ATMs just like a normal ATM card.
Q: Is Regalia ForexPlus Card enabled for MasterCard Secure Pass
A: Yes, Regalia ForexPlus Card offered on MasterCard platform are pre-enabled for MasterCard Secure Pass that allows you to securely perform Ecommerce transactions. Following are the steps to perform Ecommerce transaction with MasterCard Secure Pass participating merchants: - Select the goods or services you want from an online store and proceed to the payment page. - Enter your Regalia ForexPlus Card number and the online store will connect with HDFC Bank to check whether your Card is secured with MasterCard Secure Pass. - To validate the transaction, you can either select to enter your Prepaid NetBanking password (used for login to Prepaid NetBanking) or select receiving OTP (One Time Password) on your registered mobile number and HDFC Bank will then confirm your identity to the merchant. - Your payment is authorized and your order is placed.
Q: Do I have the option to pre-pay the entire loan amount
A: Yes, you can pre-pay the loan any time after six months of availing of the loan at a nominal charge. Kindly note :- No Cash Payment accepted towards Pre-payment of loan, Only DD/MC/Cheques accepted.
Q: Do you want to repay the loan earlier than the due date
A: If you want to repay your loan earlier than the due date, feel free to do so.
Q: Do I have an option to pay a skipped/ missed EMI for Loan against Car
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: 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: Where can I use my EasyShop NRO Debit Card
A: Look for the VISA logo at merchant locations, and the VISA/PLUS sign at ATMs.
Q: What are the Plan options available
A: There are 3 Plan Options available under HDFC Life Sampoorn Nivesh as mentioned below: 1. Classic Benefit 2. Classic Plus Benefit 3. Classic Waiver Benefit You can choose any one of the above options on inception based on your requirements. Please refer to the product brochure for more detailsand/or consult Relationship Manager.
Q: What are the different types of Savings Plans
A: You may choose between a traditional endowment plan and a 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: What are domiciliary hospitalisation expenses under the Health Suraksha policy
A: Domiciliary hospitalisation means medical treatment for a period exceeding 3 days for such illness, disease or injury which in the normal course would require care and treatment at a hospital/nursing home but is actually taken while confined at home in India, but only under the following circumstances: The condition of the patient is such that he/she cannot be taken to the hospital/nursing home The patient cannot be taken to the hospital/nursing home as a result of lack of accommodation therein View more
Q: How to prematurely liquidate the Fixed Deposit Online
A: You can liquidate your Fixed Deposits through NetBanking. This facility would be available to Fixed deposits held under Sole Owner (SOW) relationship only. Following are the steps for liquidating your Fixed Deposit online: Access your NetBanking account with your Customer ID and IPIN (NetBanking Password) Select Liquidate Fixed Deposit option under the Fixed Deposit menu from the Menu bar located on the left hand side of the web page Select the Fixed Deposit account number from the Drop-down lists Once complete, click on Continue and Confirm the details entered A new web page, confirming the Liquidating Fixed Deposit will be displayed. Further, kindly note that: Fixed Deposits in the name of Non-individuals are not allowed for liquidation through NetBanking. Fixed deposit in the joint name cannot be liquidated online. View more
Q: Can the plan be offered under limited underwriting
A: The plan can be applied for by filling in the Short Medical Questionnaire (SMQ), which may not require you to go for medicals.
Q: What if I want to use my Debit Card internationally
A: RuPay Platinum Debit Card can only be used in India. To get a Debit Card that can be used internationally, please visit the nearest branch and request for a Visa / MasterCard Debit Card. Kindly note all new Visa / MasterCard Debit Cards are only activated for domestic usage, as per RBI guideline. To instantly enable international usage on your Visa / MasterCard Debit Card, please log in to NetBanking > Debit Cards (tab) > Set International / Domestic Usage.
Q: Do I have to go through a medical exam for a Travel Insurance policy
A: No, there is no medical exam required for anyone below the age of 70 years.
Q: Is there a load amount limit
A: Card balances cannot be more than Rs.10,000/-* at any given point of time, additionally, the cumulative amount of load/reload also cannot exceed Rs.10,000/-* in a month
Q: How do I top up the value a card
A: Loading and reloading is as per the corporate instructions. It is not possible for cardholders to request a reload.
Q: Can I use the DCC/ MCC option at the time of transaction
A: Whenever 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. View more
Q: Must I open Premium Current account in each location where I have my company office
A: No. As a Premium Current account holder you have the advantage of a single account, multi-location banking facility.
Q: Is there a nomination facility
A: Yes, there is a nomination facility on the Recurring Deposit account.
Q: What is the purity factor of silver
A: HDFC Bank - Mudra Pure Silver will be of 24 Karat, 99.99% purity silver.
Q: Do I have to pay any margin money - my own funding (Education Loans For Indian Education)
A: Margin Money upto Rs. 4.00 lacs - Nil, For loans above Rs. 4.00 lacs - 5%