GhulamShabbirKhan/BankFAQs-Phi4 huggingface dataset:
Q: Can a Company ID card be accepted as a Photo ID document (Basic Savings Bank Deposit Account - Salary)
A: No, a Company ID cannot be accepted as a Photo ID document. A government issued photo ID card is mandatory.
Q: How can you transfer your Savings Account from one branch to another
A: Following is the process to be followed to transfer your account from one branch to another: An account transfer form, signed by all applicants, given at any of our branches. We recommend that you submit the form at the branch that you want your account transferred to. There will be no change in your account number. You can continue to use your existing chequebook, debit card etc
Q: If I don’t have an account with HDFC Bank, can I still avail of loans
A: Yes, you can get an HDFC Bank Two Wheeler Loan. You need not necessarily have an account with us.
Q: What if I forget or lose the activation code
A: You will have to enter your HDFC Bank Multi Currency ForexPlus Platinum Card number and other requisite details on the HDFC Bank Prepaid card NetBanking login page. After you fill the requisite details your activation code will be sent to you on your registered email account.
Q: What happens if premiums are not paid
A: If you have not paid your premium by the expiry of the grace period, you will have following options: to revive the Policy within a period of 2 years from the date of discontinuance, or to completely withdraw from the Policy without any risk cover, or to convert the policy into paid-up policy (available on discontinuance after completion of the 5 policy years) If you do not communicate to us on the above options, the following treatment will be applicableDiscontinuance before completion of 5 years from commencement of the policy: Fund Value less applicable charges will be moved to ‘Discontinued Policy Fund (DPF)’.The proceeds from DPF will be paid out upon the completion of the lock-in period.Discontinuance on and after completion of the 5 years from commencement of the policy : Fund Value will be paid out to you You have the option to revive a discontinued policy within two consecutive years from the date of discontinuance of the policy, subject to payment of all due & unpaid premiums and our underwriting policy
Q: Can the first applicant for a Recurring Deposit be a minor
A: The first applicant can be a minor.
Q: How long the Standing Instruction given will be valid
A: Please note that Standing Instruction to transfer any amount from your account to your Kid's Advantage account every month is a mandatory requirement for this account and is valid for a minimum tenure of 1 year. Post the same you need to submit a fresh request at nearest HDFC Bank branch to continue the standing instructions.
Q: What are the timings for locker operations
A: You can plan your visit and access your locker on all working days during banking hours.
Q: How can I check the balance on my HDFC Bank Regalia ForexPlus Card
A: You can check the balance of your Regalia ForexPlus Card with the help of Prepaid NetBanking facility. Alternately, you can also contact our Phone Banking services to check the balance on your Regalia ForexPlus Card. While in India, you may check the balances on HDFC Bank ATMs without any charge
Q: What are the permissible credits from an RFC Domestic Account
A: As per the RBI directive, the following can be credited into an RFC Domestic Account: a) Received as pension or any other superannuation or other monetary benefits from his employer outside India; or b) Realised on conversion of the assets referred to in sub-section (4) of section 6 of the Act, and repatriated to India; or c) Received or acquired, as gift or inheritance, from a person referred to in sub-section (4) of section 6 of the Act; or d) Referred to in clause (c) of section 9 of the Act, or acquired as gift or inheritance therefrom. View more
Q: How many salary credits are required in my existing account to qualify for SmartDraft
A: To qualify for SmartDraft you need a minimum of 3 salary credits.
Q: I'm not a traveller, can I still benefit from the Hajj Umrah ForexPlus Card
A: The Hajj Umrah ForexPlus Card is designed only for overseas travellers, and cannot be issued to non-travellers.
Q: How do I top-up the value of my card when I am abroad
A: ISIC HDFC Bank ForexPlus Card can also be loaded on your behalf by someone authorized (blood relatives only) by you. Authorised person has to visit HDFC Bank branch with the necessary documents and funds. We’ll take care of the rest. You can reload your ISIC ForexPlus Card multiple times in future till the card gets expired: You can authorize the Bank to debit your HDFC Bank account by giving an HDFC Bank cheque or make payment using a local cheque drawn on HDFC Bank and reload the card for desired value. Reload requests can be made by any authorized person (blood relatives only) on your behalf. The person authorised by you for the same will need to come to bank branch and will need to provide the necessary documents to the bank to carry out reload. On receipt of the application form and the funds, your card will get reloaded for the desired amount. HDFC Bank customers can also place a request to reload the card through HDFC Bank PhoneBanking or HDFC Bank NetBanking.
Q: How can I register for VBV/SC if my mobile number / Email ID is not updated in my Credit Card records with the Bank
A: You will have to first have the details updated in our system by calling our Customer Care Centre, and attempt to register later. The same will apply if there is a recent change in your mobile number.
Q: Who should opt for an education loan and why
A: Usually, middle-income group people apply for education loans. However, because of: Rapidly rising costs of education Income tax benefit under 80 E of IT Act Students wanting to take their own financial responsibilities to preserve the parents savings build positive credit history Even affluent families are going for education loan
Q: Will both the principal and interest amount of my Fixed Deposit be considered
A: Just the principle amount of your Fixed Deposit is considered.
Q: What is the minimum balance required for an Institutional Current Account
A: No minimum balance requirement.
Q: What should I do if my Multicurrency Platinum ForexPlus Chip card has expired but there is an unutilised balance on the card
A: If your Card has expired before all funds have been utilised, you can contact HDFC Bank PhoneBanking or any of our HDFC Bank branch for placing a refund request of the un-utilised balance. In case you wish you get a replacement card, you can place a request at any of our HDFC Bank branch
Q: What is HDFC Bank ForexPlus Platinum (Chip) card
A: HDFC Bank ForexPlus Platinum (Chip) card is an embedded chip based Prepaid card introduced in partnership with VISA International. It offers you a convenient and secure way to carry your Forex. This card gives 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 ATMs and Merchant Establishments worldwide. This card cannot be used for payments in India, Nepal or Bhutan.
Q: Can be the Travel Insurance policy be cancelled
A: The policy may be cancelled via request on email/fax, only if the journey has not commenced subject to premium retention of Rs. 250 (including Service Tax). A copy of the insured’s passport has to be submitted as proof. Any request for cancellation will be entertained not less than 14 days after the first date of insurance as indicated in the policy schedule.
Q: What does Medical Repatriation and Evacuation cover under Travel Insurance
A: Emergency Medical Evacuation means the arrangement for transportation required to move an insured to the nearest hospital and Medical Repatriation means the arrangement for transportation required to move an insured to his/her country of residence following an emergency.
Q: What should I do in the case of a void transaction
A: Just fax us a copy of the void transaction slip. You can send it to one of our PhoneBanking numbers or your nearest HDFC Bank branch.
Q: How can I make a request to foreclose my Loans Against Rental Receivables account
A: Kindly submit a written request to your nearest Retail Loan Service Centre to close your account. Our customer service desk will provide you with the necessary assistance.
Q: What is the minimum balance required for an Ultima Current account
A: You need to maintain an Average Quarterly Balance (AQB) of Rs. 20,00,000 in your Ultima Current account.
Q: Why should I invest in SIP's right now
A: The current scenario in the equity market is dominated by negative sentiment, which has led to fundamentals being ignored. This scenario has created volatility in the markets and uncertainty of future outlook. The prudent way to invest in this scenario is to benefit from the volatility and this can be done by investing through SIP’s. A monthly SIP helps in averaging out the cost of purchase and benefit from the power of compounding. It also helps in creating wealth over a longer time period. The current investment scenario is still dominated by negative sentiment. This creates volatility in the markets due to confused minds of the investors. Such volatility makes it difficult to capture the market movements and most people end up losing money with the intention of timing the markets. Also investing a lump sum in one shot might lead you to miss out on market opportunities. The tool to beat such a scenario is investing through a Systematic Investment Plan.
Q: What is the Home Insurance premium charged for fire and special peril cover and burglary and theft cover
A: The premium charged is Rs. 70 per Rs. 1 lakh for fire and special peril and Rs. 240 per Rs. 1 lakh for burglary and theft.
Q: Can I do a partial withdraw from my fund
A: You can withdraw money from your funds to meet any future financial emergencies. Lump sum partial withdrawals can be made from your funds after 5 complete policy years, provided the Life Assured is at least 18 years of age.
Q: Is employment confirmation mandatory for me to open a Defence Salary Account
A: Yes, employment confirmation is required to ensure that you are an employee of the company.
Q: Who can trade in derivatives with an HDFC Securities Trading Account
A: Trading in Derivatives will be available only to those customers who have submitted their financial documents or income proof and signed the necessary agreements. For more information click here. For more information visit www.hdfcsec.com
Q: I have renewed my passport with new number. Do I need to update my new Passport number in my ForexPlus Chip Card
A: Yes, We request you to get in touch with nearby branch along with original & copy of your passport to get the new passport number updated in the bank's records. Passport number is key validation criteria to check caller authenticity when you contact our 24 x 7 PhoneBanking service, hence it is recommended to update Passport number at the earliest.
Q: Is priority in allotment given to applications bid under ASBA facility
A: There is no differentiation between the allotment of shares applied through ASBA or Non- ASBA.
Q: What is a Motor Insurance cover note
A: A cover note is a temporary insurance document establishing proof of Insurance with which you can register your vehicle. A cover note is valid for 60 days from the date of its issuance and is replaced by an Insurance policy.
Q: What all is the loan for – study and stay or just study
A: Education loan is normally taken for financing Tuition fees, living expenses (hostel etc.), books and periodicals and sometimes traveling
Q: Who can apply for ASBA
A: The following investors are eligible to apply through ASBA: In public issues: Investor from any of the approved category eligible to apply in IPO as per SEBI guidelines. Investor who has a Savings Account or Current Account with HDFC Bank Investor who has a Demat Cccount with any DP along with a valid Permanent Account Number (PAN). Investor has sufficient clear credit balance in his/her Savings or Current account (NOT including overdraft limit) In rights issues: Any shareholders of the issuer company, as on the record date, provided he/ she: holds shares in dematerialised form and has applied for entitlements and /or additional shares in the issue in dematerialised form; has not renounced his/ her entitlements in full or in part; is not a renouncee to the Issue; is from any approved category eligible to apply in IPO as per SEBI guidelines. has a Savings Account or Current Account with HDFC Bank has a Demat account with any DP along with a valid Permanent Account Number (PAN). has sufficient clear credit balance in his/her Savings or Current account (NOT including overdraft limit) View more
Q: Does this the Revive Policy for Personal Accident have hospital cash benefit
A: Yes, hospital cash provides a benefit of Rs. 250 every day up to a maximum of 30 days in case of hospitalization due to an accident.
Q: How much am I charged for this service
A: A quarterly maintenance charge is applicable to hold an Investment Services Account. We request you to contact your RM / Personal Banker or nearest HDFC Bank Branch for details.
Q: What is HDFC Life New Immediate Annuity Plan
A: The HDFC Immediate Annuity is a contract that uses your capital to provide you with a guaranteed gross income throughout your lifetime or over a period of your choice. This is the perfect way to plan for your expenses after your retirement. This means you can plan your life the way you want it to be, safe in the knowledge that your gross income will not fall during the period you have selected. This is the perfect way to plan for your expenses after your retirement. The HDFC Immediate Annuity plan offers a number of options to meet all your income needs.
Q: So how do I get the Loan against Car
A: To get the Loan against Car, 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: Can I repay the loan earlier for Professionals Loan
A: Yes, you can choose to repay your loan anytime after 06 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: I don’t want to wait till 60 years for retirement. Is there a way out
A: This plan has a minimum vesting age of 45 years only, which would help to plan for an early retirement. You don’t need to wait till 60 years of age. However, once you have fixed your vesting age, it is recommended that you continue for the entire term.
Q: Is there a usage limit
A: Rs 10,000 per transaction for cash withdrawals No usage limit on POS usage
Q: What are the benefits available under Income option
A: This option provides the nominee with a Lump sum benefit and a regular stream of level/ increasing monthly income on death of Life Assured. The customer has to select this Lump sum benefit, amount of monthly income, income term for which the income payout will happen (up to 20 years) and a simple rate of increase in income.
Q: Would I have to go for any medicals
A: No, there would not be medical tests involved with this plan.
Q: How much can I borrow
A: You can take a loan ranging from Rs. 50,000 to Rs. 15,00,000, depending on your income and repayment capacity. You can club your spouse’s income if you want to get a bigger loan.
Q: What will happen if I try to register again & generate an OTP within 2 hours
A: You will get a pop-up message stating Your earlier request is being processed. If you do not receive your OTP within 2 hours, please try again later. Only on expiry of the OTP generated through an earlier request, you can register again to generate a new OTP.
Q: What do I need to submit to place an IPO/NCD order with my HDFC Securities Trading Account
A: Once you are registered with HDFC securities, you can successfully place an IPO/NCD order online or Call ‘N trade. No filling of any form or any documentation is required for a registered customer.
Q: What is meant by a ‘With Profits’ plan
A: ‘With Profits’ plans are plans where the premiums are invested in the ‘with profit’ This fund invests in a variety of assets to earn returns on your policy, which are shared with the policyholder’s in the form of bonuses which are declared annually. And once declared these bonuses are guaranteed.
Q: What is the mode of repayment for student loan in India
A: You have the option of repaying the loan through a Standing instruction, ACHStands for Automated Clearing House. It is a mode by which funds are automatically debited to your account every month to pay or a certain bill or fee. It helps so you don’t have to remember every month to pay your regular bills. It is only done after a standing instruction is given by the account holder. or post-dated cheques.
Q: Will I get a renewed Revive Policy for Personal Accident policy
A: Yes, you will receive a renewed policy.
Q: What is the minimum Loan value
A: The minimum loan value is Rs. 2 Lakhs.
Q: How can I prematurely liquidate my recurring deposit
A: If you wish to prematurely liquidate your Recurring Deposit. We request you to submit your Recurring Deposit advice or written instruction, duly signed by all account holders, at the branch for premature liquidation of your Recurring deposit. Alternatively, you can liquidate your Recurring Deposits through NetBanking. This facility will be available for Recurring Deposit held under Sole Owner (SOW) relationship only and which are booked from Singly Owned Savings or Current Accounts. Following are the steps for liquidating your Recurring Deposit online: Login to NetBanking with your Customer ID and IPIN (NetBanking Password) Select Liquidate R D option under the Recurring Deposit menu from the Menu bar located on the left hand side, under Accounts tab. Select the Recurring Deposit account number from the Drop-down lists, and click on Continue. Verify the details and Confirm the Liquidation. A Confirmation page will be displayed, confirming that your Recurring Deposit has been liquidated. Additional Information - If your Recurring Deposit is broken prematurely, the interest rate applicable for premature closure of deposits will be lower of The base rate for the original / contracted tenure for which the deposit has been booked OR The base rate applicable for the tenure for which the deposit has been in force with the Bank The base rate is the rate applicable to deposits of less than Rs.15 lacs as on the date of booking the deposit. In case of premature closure within a month, no interest shall be paid out & only principal amount shall be returned. View more
Q: What is the exclusion in the plan
A: In case of death due to suicide, within 12 months from the date of inception of the policy, the nominee of the policyholder shall be entitled to 80% of the premiums paid provided the policy is in-force or from the date of revival of the policy, the nominee of the policyholder shall be entitled to the amount which is higher of 80% of the premiums paid till date of death or the surrender value as available on death of death.
Q: What do I need to do to open a joint account
A: The Reimbursement Account has to be in the same order as your Salary Savings Account. In case your Salary savings account is a joint account then a separate introduction is not required and you only need to add the name in the (Account Opening Document) AOD.
Q: What currencies are available
A: Currencies offered:Saudi Riyal (SAR)
Q: Are my property documents safe with HDFC Ltd.
A: HDFC offers in-house scrutiny of property documents for your complete peace of mind. So be assured that your property documents are in safe hands.
Q: How should I apply for a duplicate NOC/ closure letter
A: (Loans Against Rental Receivables)We request you to visit our nearest Retail Asset Branch along with a written request for a duplicate No Objection Certificate (NOC) and your photo identity proof.
Q: Are there transaction limits for Debit Card
A: A daily ATM limit of Rs. 25,000 for withdrawals, and Rs. 1,25,000 at merchant establishments .
Q: Do I need to activate Regalia ForexPlus Card for Ecommerce transactions
A: Your Regalia ForexPlus Card is pre-activated to perform Ecommerce transactions once your card is loaded with the Forex currency required.
Q: What is the process of application for Rights Issue under ASBA
A: An investor, who has received the common application form from the registrar of the company floating the rights issue, has the option of applying through ASBA at any designated branch of the Bank. Rights issue is not available in NetBanking facility.
Q: Why is the principal amount and the fixed deposit maturity amount of my Fixed Deposit the same
A: When your Fixed Deposit is booked with the quarterly / monthly interest pay out option, the maturity amount is the same as the principal amount. The interest amount will be credited to your account at quarterly / monthly intervals.
Q: Do we have any loading on pre-existing ailments
A: Yes, there were will be loading on pre existing ailments which will be arrived at after health check up of the customer. Acceptance of the proposal will be subject to medical underwriting.
Q: How can I avail of Global Customer Assistance Services (GCAS) for my HDFC Bank Multi Currency ForexPlus Platinum Card
A: You can call The following Toll free numbers for visa GCAS United States: 1-866-765-9644, United Kingdom: 0800-169-5189, Australia: 1800-450946, Canada: 1-866-639-1911, France: 0800-904349, Germany: 08001822891, Singapore: 800-4481- 250, Hong Kong: 800-900-782, Japan: 00531-44-002 Alternatively, you can place a collect call through your local operator to +1 443 641 2004 Or for Country wise VISA call center numbers click the following link << Visa Global Customer Assistance>>
Q: What should I do in the case of a void transaction for Titanium Royale 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 documents should I submit when I purchase the HDFC Bank ForexPlus card
A: HDFC Bank Savings / Current account holders need to just submit completed application form, copy of ticket or the Visa and form A2 (or any other documentation as mandated under prevalant FEMA guidelines)If you don't have HDFC Bank Savings / Current account, you need to submit completed application form, copyof ticket or the Visa and form A2 (or any other Forex documentation as mandated under prevalant FEMA guidelines) as well as a Photocopy of your valid Passport.
Q: Can funds be credited to an FCRA account simply after the account is opened
A: No. Funds can be credited to the FCRA account only after the approval from Ministry of Home Affairs (MHA) is received for that account. Till then, the account will be blocked.
Q: How much tax do I have to pay
A: The interest income from the bonds is taxable. TDS is deducted at the time of interest payment as per the prevailing IT rules.
Q: What are the tenure options for Pre-owned Car Loans
A: The choice is with you. You can choose from any of the 5 well-placed repayment option of 12,24,36,48 or 60 months all specially designed to suit your requirements.
Q: Are there any transactions for which this Card should not be used
A: Yes, your Multicurrency ForexPlus Platinum card should not be used towards temporary charge blocks - e.g. paying deposits at hotels, hiring of cars etc. Incase you have paid these deposits using ForexPlus Platinum Multicurrency card and the hotel/car rental agency etc. settles the transaction for an amount lesser than the amount blocked or you make final payment through any different mode, the balance amount will get credited into your account only after 30 days from the transaction date. Note: The Bank reserves the right to charge the Card holder for any unauthorized amounts.