GhulamShabbirKhan/BankFAQs-Phi4 huggingface dataset:
Q: How is an Ultima Current account different from a Regular Current Account
A: An Ultima Current account includes the following privileges: - Higher free limit of Rs. 2Cr per month for cash deposits at your home branch - Unlimited free clearing transactions anywhere for payments and collections - Free and faster collection of outstation cheque at HDFC Bank locations - Free Demand Drafts and Pay Orders - Free RTGS and NEFT transactions - Free BillPay and InstaAlerts - Free Business Debit Card
Q: Do I get a life cover from this plan
A: APP being a Pension plan does not have a life cover; however, the death benefit is higher of FV or 105% of the premiums paid till date.
Q: Why do I need a Reimbursement Account
A: A Reimbursement Account enables you to separate your regular monthly salary from the monthly reimbursements you receive from your company. This helps you track reimbursements separately.
Q: How the HDFC Bank eGiftPlus Card is different from the GiftPlus Card
A: GiftPlus card is a physical card which you can use at over 150 million Visa outlets across the country, whereas the HDFC Bank eGiftPlus Card is a personalised virtual Card that you can use at all major e-commerce sites. You can also write a personalised message and choose a design of your choice, basis on what occasion you want to gift them for.
Q: What are the medical tests that I need to undergo to enrol myself for  the Critical Illness policy
A: No pre-policy medical check up is required for anyone up to the age of 45 years.
Q: What are the fund choices
A: The plan offers 4 funds of varying risk & return profiles. Income Fund, Balanced Fund, BlueChip Fund and Opportunities Fund.
Q: Does pre-existing cover start after 4 years or 3 years
A: The Policy covers expenses incurred for the treatment of diseases that you have before taking the Policy. Such will be covered only after 36 months of continuous coverage.
Q: How do I top-up the value of my card when I am abroad
A: ForexPlus Chip card can also be loaded on your behalf by someone authorized by you. Authorised person has to visit HDFC Bank branch with the necessary documents and funds. We’ll take care of the rest.
Q: Does this policy cover natural death and daily sickness also
A: This policy only covers accidental death.
Q: Which cars can be financed for Pre-owned Car Loans
A: We finance most of passenger cars manufactured by India's leading automobile companies
Q: What is the limited mode of premium pay
A: A limited premium payment policy requires you to pay premiums for a term lesser than your policy term.
Q: I have not received the Welcome Letter and ATM/Debit Card PIN for my new account
A: If you have not recieved the same at your mailing address within 7 days from the receipt of the Welcome Kit containing the Account deliverables, kindly Contact us.
Q: Whom should I contact if my card is lost or stolen
A: Immediately report the loss of your ForexPlus Chip Card by calling HDFC Bank PhoneBanking. You will not be liable for transactions on your Card Account (if any) from the moment your report is registered with the bank. Alternately you can hotlist the card with the help of Prepaid NetBanking facility.
Q: In what currencies can I open an RFC Domestic account
A: An RFC Domestic Account can be opened in three different currencies, i.e. USD / Euro / GBP.
Q: What are the benefits of having a Current/Saving Account for my Business loan
A: You get preferred Processing Fee, priority processing and simpler documentation if you have a Current/Saving Account with HDFC Bank. This is taken into account at the time of disbursal of the loan. You can pay through Standing Instructions to debit your HDFC Bank Account with the EMI amount.
Q: What is HDFC ERGO General Insurance role in a third party injury/property damage suit
A: We will handle the legal suit from the moment you receive a notification till the case is resolved. We will either settle the case out of court or actively defend the matter at the Motor Accident Claims Tribunal. Your co-operation will be essential in gathering the necessary documents and preparing a defence – viz. vehicle registration papers, driving licence of the person driving the vehicle, police FIR and panchnama, vakalatnama signed by you, your written statement as to the facts of the accident. We will also take care of legal liability and costs awarded by the tribunal. However, we will not be able to help you in the following situations: Where your insurance policy is not valid, either because it has expired or because the cheque for your premium has been dishonoured. The person driving the vehicle at the time of the accident was under the influence of drugs or alcohol. The person driving the vehicle at the time of the accident did not hold a valid driving licence to drive the said vehicle. View more
Q: Are there transaction limits for Womans Advantage Debit Card
A: Subject to the balance in your account, the daily limits are Rs. 25,000 at ATMs and Rs. 1.25 lacs at merchant locations. These limits have been set for the security of your card.
Q: How can I get my address changed in my loan account
A: In order to change your address in our records, we request you to visit the nearest Retail Loan Service Center and submit the following documents: Request form for Address Change. Self attested copy of your revised address proof along with the original address proof for validation. 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: Can I bid at multiple rates under ASBA
A: Yes, you can place three bids under ASBA.
Q: What is the minimum loan value/product value
A: We are funding products with loan value above Rs 40000
Q: Why do I need Health Insurance
A: Medical emergencies come un-announced. Cost of healthcare can be enormous. In the absence of health insurance, this expense has to be borne out of pocket. This has an adverse impact on the financial situation of the family. World over long term illnesses are known to be the reason behind a family’s slide down the social ladder. Health Insurance cover provides the much needed financial assistance and will ensure that you access healthcare facilities when you need them the most without worrying about the medical expenses.
Q: Can I continue using the Verified by Visa/MasterCard SecureCode/Protectbuy password for online transactions
A: Yes, you can continue using your secure password, OTP is an additional option provided for checkout.
Q: How can I load/reload  my FoodPlus card
A: Your FoodPlus card can be loaded/reloaded only basis the instructions received from your employer.
Q: What are the benefits
A: With HDFC Bank's Sweep-in facility, you gain the high interest rates that come with a Fixed Deposit, along with the liquidity of a Savings Account. To benefit, you just need a Savings or Current account. The Sweep-In facility links the deposits you choose, and whenever there are insufficient funds in your Account to clear a cheque, we will break units of the deposit to clear the cheque. Here's an example of how it works: Let's say you have a Sweep-In facility on your Savings Account with a linked Fixed Deposit of Rs10,000/-. If you have just issued a cheque for Rs. 4000/-, but the balance in that Savings Account is Rs. 1000/-, HDFC Bank will mark a lien on the Fixed Deposit to the extent of Rs. 3000/- (4000/- less 1000/-) and clear the cheque. View more
Q: If I don't have an account with HDFC Bank, can I still avail of loans
A: Yes, you can.
Q: How would you utilise my funds
A: Your funds will be invested into Equity and Debt instruments as per the Equity Backing Ratio defined by the company. This is to provide you with maximum returns from market upside, as well as protect your capital from any downfall.
Q: What if I Forget my Activation Code / IPIN
A: Incase you have forgotten your Activation Code/IPIN, you are requested to kindly call HDFC Bank PhoneBanking and place in a new request for IPIN, which will be sent instantly to your registered Email ID / Mobile number.
Q: How can I get my address changed in my loan account
A: In order to change your address in our records, we request you to visit the Retail Loan Service Center and submit the following documents: Request form for Address Change. Self Attested copy of your revised address proof along with the original address proof for validation. In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.
Q: What if I misplace my Motor Insurance policy document
A: Call our toll-free helpline 1800-2-700-700 and we’ll advise you how to proceed. You may have to pay a small fee for a duplicate policy.
Q: Who can avail the Loan against Car
A: Any applicant owning a car, including a fleet operator or taxi where the present vehicle age is not more than 60 months, can avail of the Loan against Car.
Q: Which are the currencies that can be loaded on the card
A: There are 23 currencies offered which can be loaded on the card: Australian Dollar (AUD) Dirhams (AED) Canadian Dollar (CAD) Euro (EUR) Japanese Yen (JPY) Singapore Dollars (SGD) Sterling Pound (GBP) Swiss Franc (CHF) US Dollar (USD) Swedish Krona (SEK) HongKong Dollar (HKD) Thailand Baht (THB) South African Rand (ZAR) Oman Riyal (OMR) New Zealand Dollar (NZD) Danish Krone (DKK) Norwegian Krone (NOK) Saudi Riyal (SAR) Malaysian Ringgit (MYR) Korean Won (KRW) Kuwait Dinar (KWD) Bahrain Dinar (BHD) Qatari Riyal (QAR)
Q: Is there any special requirement for a PIO (Person of Indian Origin)
A: The requirements applicable to an NRI will also apply to a PIO. However additionally, persons of Indian origin will have to submit a certified true copy of their PIO Card.
Q: How much loan can be offered against my Property
A: A Loan Against Rent Receivables can be extended up to a maximum of 50%* of market value of your property. However this dependent on Net Rentals, balance tenure & other parameters.
Q: Except for digital media consumption, what is the other medium of earning Times Points
A: HDFC bank Times Points Debit Card gives customer unique opportunity to earn Times Points even when they are not online. Customer can earn times point by simply using their debit card for their all spends on Point of Sale or Ecommerce transaction.
Q: Do the bars have authenticity proof
A: The gold bars are packed in tamper-proof Certicard packs (see through), at the manufacturing stage itself, to prevent any damage / theft during transit. Moreover, the gold bars sold by the Bank are “Assay Certified” for weight and purity, as mentioned on the packaging.
Q: Is it necessary to register the card for an OTP transaction
A: Prior registration is not necessary for an OTP transaction.
Q: Will the continuity benefit (2years) be given on Super Top Up plan as well
A: Continuity benefit will not be available in Super Top Up plan as portability benefits are not available in this product.
Q: If I have shares of one company only, can I get a limit against just one script
A: Yes, you can get limits by pledging any of the approved single scripts under our Single Scrip Scheme. (Do note that the drawing power on these single scripts will range from 25% to 50%)
Q: What if I forget my ATM PIN
A: You can call your local HDFC bank PhoneBanking number and ask for a new PIN to be reissued to you. The PIN however will be delivered to the purchaser's address with the bank. You can request for a new PIN over the Internet through your Giftplus card account.
Q: What is the Maturity Benefit under the plan
A: On maturity, the policy holder will receive the sum assured plus accrued bonuses on full payment of premiums due throughout the premium paying term.
Q: Whom should I approach for any other service related to HDFC Bank Fixed Deposits
A: For any other service related to Fixed Deposits (Supersaver or Sweep-In Facility, addition of Nominee, Change in Maturity Instructions, Premature Encashment etc.) you may approach the nearest HDFC Bank Branch with the Fixed Deposit advice and the request Form duly signed by all account holders.
Q: What is the procedure to get the TRF booklet
A: We have revised the process for the issue of Transfer Request Forms to eligible Customers. These will no longer be available over-the-counter (as and when required) at our LAS Service Centres but will have to be indented from our Central Processing Unit. An application form is enclosed which will have to be used to place indents (maximum 10 nos. of TRF Forms per request). Application Forms are also available at our LAS Service Centres and on our website In this connection, kindly also note that: 1. The Transfer Request Forms will be serially numbered with your Client ID duly stamped thereon, 2. The serial numbers will be maintained in our systems and any request for pledge/withdrawal must only be submitted on a TRF issued to your account. No deviations can be allowed and you are requested to ensure that adequate number of forms are available to meet your normal requirements. Our Bank will not be responsible for any delay in transaction due to non-availability of TRF. 3. The book of Transfer Request Forms will be couriered directly to your mailing address on record within a maximum of 7 working days, once the application is received and found to be in order. We suggest that your mailing address be checked and updated (if required). Our Bank will not be responsible for any delays in delivery due to incorrect / incomplete address. 4. The book containing the Transfer Request Forms must be handled with care and kept secure at all times. Any loss, misplacement or damage must immediately be reported to the LAS Service Desk. 5. For now, applications for TRF can only be submitted through LAS Service Desks. However, the facility will soon be available through NetBanking. In case you are not registered for NetBanking, kindly visit our website (www.hdfcbank.com) to register for the facility online. View more
Q: What is the difference between fixed benefit health insurance plans and reimbursement health insurance plans
A: Fixed benefit plans cover the risk associated with a rare critical illness and provide predetermined sum insured upon diagnosis of few covered conditions. Payment under fixed benefit plans is usually made upon diagnosis and is not linked to the medical expense that the life insured may incur for treatment of such condition. Such plans help one to compensate for loss of income that arises due to long period of treatment and recuperation that may be required. Such policies pay the benefits only once and then the cover ceases. Reimbursement plans provide for reimbursement of actual medical expenses incurred in a hospital. These medical expenses could range from low amounts incurred in treatment of common ailments like malaria or dengue to significant expenses incurred in treatment of critical illnesses. Such policies do not cease on payment of claim once and continue to pay the claims every year subject to continuous renewals. View more
Q: What are the charges for collection of outstation cheques
A: To know the charges for collection of cheques levied in your account, click here to view the current schedule of charges. Kindly check under the following headings: Collection of outstation cheques - Our Bank Locations Collection of outstation cheques - Other Locations These charges attract a Service Tax and an Educational Cess as applicable in terms of the current Finance Bill.
Q: Is there a loan facility in my policy
A: No policy loans are available for this product.
Q: How much interest will the 8% Savings (Taxable) Bonds bear
A: Bonds will bear interest @ 8.00% p.a. and are payable half-yearly. The interest payment dates are February 1 and August 1 for non-cumulative investments. For investors who have chosen the cumulative option, the value of the investments at the end of 6 years would be Rs. 1601 (being Principal and Interest) for every Rs. 1000 invested. Interest on the Bonds is taxable under Income Tax Act 1961.
Q: When do I start paying my EMI
A: Credila’s unique education loan offers the flexibility of paying only simple interest (PEMI) during the course period and principle plus interest (EMI) after the completion of studies and grace period.
Q: Can I link accounts held in different account titles to the same Savings Account for the Sweep-In facility
A: No. You can only link the Sweep-In facility to the accounts with the same account title. For example, a Fixed Deposit held by A-B can be linked to a Savings Account held by A-B across branches.
Q: Is the primary Customer ID of the Kids Advantage account will be same as my Customer ID
A: The primary Customer ID issued under your kids name for the Kid's Advantage account will be different from your Customer ID. You should use the primary customer ID to open the email statement you receive for your Kid's Advantage account.
Q: Should I visit a PoS personally to obtain KYC Compliance
A: No. If you are not in a position to visit a PoS personally, the KYC Application Form along with the necessary documents (including originals if the copies are not attested) can be sent through the distributor or representative who can arrange to complete the KYC process and obtain the KYC Acknowledgement through any PoS.
Q: Do I need to have HDFC Bank account to purchase the ISIC HDFC Bank ForexPlus Chip Card
A: No, you don't need to have an account with HDFC Bank to purchase the ISIC ForexPlus Chip card. You can just walk into any of our HDFC bank branches in India and purchase it over the counter on submission of relevant KYC and mandatory documents.
Q: How can I cancel my ForexPlus Platinum Card
A: To cancel your Forex Plus Platinum Card, we request you to contact the PhoneBanking team or walk into your nearest HDFC Bank branch and place a request towards cancellation. Your request will be processed within one working day of us receiving the request. There are no charges towards the cancellation of a Forex Plus Platinum 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 is covered under the Ayush benefit
A: Under the Ayush benefit expenses are reimbursed for in-patient treatment taken under Ayurveda, Unani, Sidha or Homeopathy.
Q: What are the Plan option available
A: There are 8 Plan options available under the Plan ProGrowth Super II. Please refer to the product brochure for details.
Q: Why should I get loan sanction before admission
A: The preferred way to declare ‘Assured Funds to Universities’ Better acceptance of the sanction letter over the solvency letter Increases your chances of getting admission to your dream college No last minute surprises specially during Visa time: Know your loan eligibility in advance Quick and hassle free process to get a sanction letter
Q: What is the VBV Password
A: VBV password is a secure code password, which will be used for authenticating any transaction through HDFC Bank eGiftPlus Card. Your HDFC Bank eGiftPlus Card IPIN will be your VBV Password.
Q: Do I need to have Auto Insurance
A: Yes, the Motor Vehicle Act states that every motor vehicle plying on the road has to be insured with a Liability Only policy at the very least.
Q: Whom do I inform about change of name/address/status/signature, etc.
A: You should intimate your change of name/address/status/signature, etc. to any convenient PoS. You need to quote your PAN and submit proof (in case of a new address). You should provide at least 10 days for the change of address to take effect with all the Mutual Funds with whom you are invested. Please note that you should not write to the Mutual Fund or its Registrar for the change of address (unless as a designated PoS). The specified form can be obtained from the AMFI/Mutual Fund/CDSL website. All details of the holders in the Mutual Fund records will be replaced by the address details available in the CVL record.
Q: Once I have registered, how long does it take for Verified by Visa / MasterCard SecureCode to become active for my card
A: The Verified by Visa / MasterCard SecureCode gets activated for your HDFC Bank Card as soon as your registration is successful. You can start shopping at participating stores once you are registered with the added security of Verified by Visa/MasterCard SecureCode.
Q: Will I get an online confirmation of my transactions
A: An order once placed will be confirmed immediately. The confirmation of units bought or sold will be done by the AMC / Registrar only on the next working day.
Q: What is EMI
A: EMI stands for Equated Monthly Installments.
Q: When is TDS deducted for 5 Year Tax Saving Fixed Deposit
A: TDS is deducted every time the Bank pays/re-invests interest during the Financial year. In addition TDS is also deducted on interest accrued(but not yet paid) at the end of financial year viz. 31st March.
Q: How can I open an Online Mutual Fund Account with HDFC Bank
A: To open an Online Mutual Fund account, please fill in an Investment Services Account opening form that is available in any HDFC Bank Branch. You can also download the Investment Services Account opening form from www.hdfcbank.com > Forms Centre (top right corner). The form is also attached below. Once it is duly filled, you need to provide your KYC confirmation / verification (for all applicants) from below websites https://camskra.com/ https://kra.ndml.in/ www.cvlkra.com Submit the above documents to your HDFC Bank branch. For a comprehensive list of branches, kindly visit our site www.hdfcbank.com. Click on Find your nearest on the home page and select Branch. View more
Q: Can I avail of a cashless facility for hospitalisation under Travel Insurance
A: Yes, we extend a cashless facility for hospitalisation.
Q: How can I change / add the email ID in my account
A: We request you to follow the procedure mentioned below to change your email ID:We request you to follow either of procedure mentioned below to change / add your email ID: 1) Request through branch:Step 1) Fill the application form available at the Branch (duly signed by all the holders). Step 2) If you are unable to visit an HDFC Bank Branch, you can send the Form by post or courier. Note / Important: Instructions received through Net Banking, scan copy, fax or email will not be processed for security and authentication purposes. Updates for InstaAlerts (if registered) need to be done separately. InstaAlerts Updates: Please follow the steps mentioned below to update your Email ID online for InstaAlerts (in case you are registered for the InstaAlerts facility): Step 1) Log in to your NetBanking and click on InstaAlerts located at the top right corner of the web page Step 2) Click on Unsubscribe Alerts on the left hand pane of the web page Step 3) Check the Email option and select Continue” and then “Confirm” Step 4) Click on Subscribe for Alerts in the left hand pane of the web page Step 5) Check the Email option and enter your new mobile number, then click on “Continue” and “Confirm” Step 6) Go to Manage Alerts and select the required option 2) Request through Phone Banking:We request you to call up our PhoneBanking to change / add your email address. View more