GhulamShabbirKhan/BankFAQs-Phi4 huggingface dataset:
Q: Which are the offers I am eligible as a Times Debit Card holder
A: You will be able to choose one out of more than 20 welcome offers from leading e-com merchants in India. Additionally there will be more than 350 regular offers to avail at any point of time during the year. The minimum discounts on the offers would be 10% in addition to the merchants own discounts.
Q: Can a chip card be used for online transactions
A: Yes the chip card can be used for online transactions. The JetPrivilege HDFC Bank World Debit Card has to be registered for 'MasterCard SecureCode’ which ensures safe online transactions after which the card can be used online.
Q: Are all additions guaranteed
A: Yes, they are guaranteed to be paid for every completed policy term
Q: Is loss of passport covered under Travel Insurance
A: Yes, loss of passport is covered in the policy. It is covered under the benefit of ‘Loss of personal documents’. The assistance provider helps the insured contact the consular authorities and arrange for its replacement in the case of loss of passport.
Q: What is Times Points
A: Times points is a unique loyalty program which allows you to earn reward points for all your digital media usage (create/consume/share etc.) across digital properties of Times Internet Limited
Q: What is the premium frequency available under policy
A: The premiums can be paid Annually, Half-Yearly, Quarterly and Monthly
Q: What is the Settlement Option
A: In Settlement Option the Fund value is paid in periodical installments over a period which may extend up to 5 years. The value of installment payable on the date specified shall be subject to investment risk i.e. the NAV may go up or down depending upon the performance of the funds chosen by you. Your money will remain invested in the funds chosen by you and is subject to the same investment risks as during the policy term. During the Settlement period, the risk cover will cease, Fund Management Charge will continue to be deducted and no other charges shall be levied. Partial withdrawals and switches shall not be allowed during this period. Complete withdrawal may be allowed at any time during this period without levying any charge. At the end of this 5-year period, the balance units will be redeemed at the then prevailing unit price and the fund value will be paid to you.
Q: Is the KYC acknowledgement a separate form or is it a part of the Mutual Fund application. Which of the forms require being time-stamped
A: KYC Acknowledgement is a separate form. Time stamping is not required on the KYC Acknowledgement.
Q: How can I check the balance on my HDFC Bank ForexPlus Card
A: You can check the balance on ForexPlus card with the help of NetBanking facility. You will need to use the card number as user ID & IPIN issued to you as part of the card kit to login to NetBanking facility. Alternately, you can also contact our PhoneBanking services to check the balance on your ForexPlus card.
Q: What documents need to be submitted when I make a claim under my Motor Insurance policy
A: You will need to submit a claim form along with the following: A copy of the vehicle's registration book A copy of the driving licence of the person driving the vehicle at the time of the accident An estimate of the repairs A copy of the police FIR/panchnama in case of theft or any third party personal injury/death or property damage If the vehicle is declared a total loss, either due to an accident or theft, you will also have to provide the following documents – RTO transfer papers, original RC book, original Insurance policy, the vehicle’s original keys, a No Objection Certificate from you to transfer of the vehicle, a letter of indemnity on judicial stamp paper and a letter of subrogation on judicial stamp paper.
Q: How can I change the mode of repayment/ account for my loan
A: In the event that you wish to change the mode of repayment/bank account for your loan repayment, you may visit the nearest Retail Loan Service Center and submit your request with the revised account mandate/instructions. You can opt to repay through alternate repayment instructions as follows: 1) Standing Instructions: We offer the Standing Instructions (SI) facility whereby we can directly debit your HDFC Bank account for EMI amounts on due dates. Please submit the following at your nearest Retail Loan Service Center : Request form for swap of repayment instructions. 3 Security cheques favoring HDFC Bank Ltd Loan Account No. << >>, each undated and filled with a value equal to the sum of 3 EMIs. SI mandate duly filled and verified by HDFC Bank. 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. 2) Electronic Clearing Service (ECS): We offer the ECS facility whereby we can directly debit your non-HDFC Bank account for EMI amounts on due dates. Please submit the following at your nearest Retail Loan Service Center : Request form for swap of repayment instructions. Security cheques favoring HDFC Bank Ltd Loan Account No. << >> *** ECS mandate duly filled and verified by your banker. ACH(Automated Clearing House) Mandate. Swap Charges of Rs.500/- 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. ***Security Cheques: You need to issue 1 security cheque for every 6 Equated Monthly Installments (EMI). The amount on each security undated cheque should be equal to the sum of 3 EMIs. For example, if your EMI amount is Rs. 1000 and you have paid 18 EMIs for a 36 month loan tenure, you need to submit 3 Security Cheques of Rs. 3000 each. 3) Post-dated Cheques (This mode is allowed only if the location is non ECS): Please submit the following documents at your nearest Retail Loan Service Center : Request form for swap of repayment instructions Revised post dated cheques in favour of HDFC Bank Ltd Loan Account No. << >> for the balance EMIs. ACH(Automated Clearing House) Mandate Swap Charges of Rs.500/- 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: What is the surrender benefit under the plan
A: If you surrender before completion of the 5th policy year, your Fund Value less applicable charges will be moved to If you surrender before the end of the 5 years from commencement of the policy, Your fund value (as on date of surrender) will be moved to the ‘Discontinued Policy Fund’ and will earn a minimum guaranteed return as specified by IRDA. The minimum guaranteed interest rate applicable to the ‘Discontinued Policy Fund’ shall be 4% p.a. Such rate may be changed in the future if the IRDA revises the minimum rate for discontinued policies. A Fund Management Charge of 0.50% p.a. will be levied on the ‘Discontinued Policy Fund’. The Discontinued Policy Fund (SFIN:ULIF05110/03/11DiscontdPF101) shall be a unit fund which will invest 100% of assets in Government Securities and/or Money Market Instruments. Your fund value as held in the ‘Discontinued Policy Fund’ will be payable to you at end of the 5th policy year. In case of the death of the Life Assured or Policyholder, before the payment of the surrender benefit, the amount in the Discontinued Policy Fund will be paid out immediately. If you surrender your policy after completion 5 years from commencement of the policy, your fund value will be paid to you. Once any surrender payment has been made, the policy terminates and no further benefits are payable.
Q: How Do I extend my HDFC Ergo Student Travel insurance surakshapolicy
A: Please send a request mail to [email protected] for extension of policy along with health declaration attached to it. You will receive a response from us with the detailed procedure and the additional premium amount.
Q: How to Download TDS Certificate through Online
A: Please note you can now download the TDS certificate from Netbanking Accounts Module ,Go to Request section click on TDS Inquiry. We request you to follow the below mentioned process : Log in into NetBanking through the Customer ID and NetBanking Password (IPIN). Select TDS Inquiry under the Request option on the left hand pane. Select the Financial Year and Quarter for which the certificate is required. Click on Continue and confirm. Additional information:- Currently, TDS Certificate for the Quarter 1 , Quarter 2, Quarter 3 AND Quarter 4 are available. TDS certificates will be available only if PAN is updated and there is a tax deduction in the financial quarter. TDS certificate will be in PDF Format. View more
Q: How do I report such service/merchant related transaction dispute incurred using my Debit Card transaction
A: We strongly recommended that for all service related disputes, the Debit Cardholder must first attempt to contact the merchant to resolve the dispute which enables prompt resolution. Considering all attempts have been made to resolve dispute with the merchant, you may call PhoneBanking team for raising exact nature of dispute and send relevant supporting document with respect to failed / disputed transactions with complete transaction(s) details to [email protected] ] OR submit the same at your nearest HDFC Bank branch.
Q: Will automatic conversion of vesting benefit to annuity happen
A: Policyholder needs to purchase an annuity plan – by filling the annuity proposal form. Submit all relevant documents and annuity payout will occur as per the timeline.
Q: How can I repay my Personal 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 ECS or a standing instruction to debit your HDFC Bank account with the EMI amount. Try our EMI calculator to calculate how much you need to pay each month.
Q: How do I utilize this amount
A: This amount is made available in your Salary Account. You can withdraw it through the regular modes i.e. ATM, Cheques, online transfers.
Q: What is the maximum amount I can borrow with an HDFC Bank Pre-owned Car Loans
A: You can get an additional loan on your existing HDFC Bank Auto loan if you have a clear repayment track record of 12 months or more, till the extent of your existing loan amount at an attractive rate of interest.
Q: What are the benefits of InvestTrack
A: This exclusive service* comes to you with an array of unmatched benefits, which include: Structured Process considering your risk profile, investment objectives and financial goals Recommendations from HDFC Bank's in-house research team Choice of convenient Mutual Fund execution platforms Comprehensive Portfolio Tracker* that provides a consolidated view of your Mutual Fund Investments, HDFC Life Policies, Savings, Current & Fixed Deposit Account Balances Complimentary subscription* to our exclusive monthly magazine - Investment Insight, that updates you on: Market Movements New Fund Offerings Recommended Funds' Performance Fund Managers' Views Informative articles on various investment products Proactive monthly updates on new offers and investment concepts. View more
Q: How do I know my beneficiary's details for a cheque issued in my name (Basic Savings Bank Deposit Account - Farmers)
A: To know your beneficiary’s details for a cheque issued by you / issuer name for a cheque credited in your account, please contact any of our bank branches. You can refer the cheque deposit slip also for the details. To know about Service charges and fees click here. For more details, Contact Us.
Q: Do I need a guarantor for New Car Loans
A: No, but if your income does not meet our credit criteria then you may be required to have a Gurantor/co-applicant. To stand surety for your loan.
Q: How does Contactless MultiCurrency ForexPlus card work
A: Your HDFC Bank Contactless Multicurrency ForexPlus card will be activated with the required currencies within 5 to 6 hours from the bank getting the clear funds from you. Once active, 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 Contactless MultiCurrency ForexPlus Card has a chip & a radio frequency antenna embedded. When the Contactless Card is tapped/ waved against the terminal enabled for contactless payments the card transmits payment details wirelessly, eliminating the need to insert it. Account details are communicated to the reader and then processed through the secure Visa/ MasterCard acceptance network in the usual way HDFC Bank Contactless Multicurrency 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 Multicurrency card. HDFC Bank Contactless Multicurrency ForexPlus card is accepted at all Merchant Establishments displaying the VISA/MasterCard symbol. The card can be used to withdraw cash at all VISA/MasterCard 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 Prepaid NetBanking facility for Multicurrency Cards.
Q: How long will it take to process loan for New Car Loans
A: Within 48 hours of completing documentation. Type of Location End-to-End TAT* Urban Locations 5 Days Semi-urban & Rural Locations 7 Days * End-to-End TAT is Login-to-Disbursement turnaround time* TAT calculated from the day complete loan application received by the Bank
Q: What are the eligibility criteria to avail a Home Insurance policy
A: Any resident Indian who is the owner of the property & which is located in India can purchase a Multi Year Home Insurance Policy.
Q: Is employment confirmation mandatory for me to open a Classic Salary Account
A: Yes, employment confirmation is required to ensure that you are an employee of the company.
Q: How do I renew my Commercial Vehicle Insurance policy
A: We will send you a renewal notice well in advance of your policy expiry date. You need to confirm acceptance of renewal and send your cheque for the premium to us at our correspondence address. You can also renew your policy through the dealer/agent from where you initially bought your policy.
Q: How can I check the balance on my HDFC Bank Multicurrency ForexPlus Chip card
A: You can check the balance on all the active currency wallets on Multicurrency card with the help of Prepaid NetBanking facility. Alternately, you can also contact our PhoneBanking services to check the balance on your Multicurrency card.
Q: How does it work
A: The Super Saver Account lets you to withdraw up to 90% of your deposit, just like the liquidity of a Savings Account. There’s no need to break your Fixed Deposit for short term requirements. You can withdraw cash through an ATM or by cheque or teller transactions.
Q: Can I have a Super saver facility and a Sweep-in facility on the same Savings Account
A: It is possible to have both these facilities on the same Savings Account. It is important to note that if there are insufficient funds in your Savings Account, your overdraft limit will be exhausted before units of the Sweep-In Fixed Deposits are used prematurely.
Q: Do I need to provide any security or collateral to obtain a personal loan from HDFC Bank
A: No you don’t have to provide any security, collateral or guarantee.
Q: Would the shares be held in my name
A: The shares will remain in your name only. A loan against security lets you reap your regular benefits from shares such as rights, dividends and bonuses whilst you take a loan against them.
Q: Where do I get this card
A: Hajj Umrah ForexPlus Card is available over the counter at HDFC Bank branches. You simply need to walk into our branch with required documentation and walk out with the card. The card will get activated within 5 to 6 hours from realization of funds.
Q: Is this option available on all the online transactions
A: This option is available on all websites which are participating in the VBV/MSC/Portectbuy secure transaction protocol.
Q: Which are the currencies that can be loaded on the card
A: You can load only one currency i.e. USD on your Regalia ForexPlus Card. However, you can transact in any currency
Q: What is FATCA/CRS/KYC
A: FATCA : In January 2013, the United States of America’s (U.S) treasury released the final FATCA Regulations. FATCA requires U.S based financial institutions (FI) as well as foreign financial institutions to identify their U.S accounts and report them periodically to the U.S IRS (Internal Revenue Service) or appropriate governmental authority, in case of Inter-Governmental Agreement (IGA). Non-compliance can result in adverse consequences, including a penal U.S withholding tax, for non-U.S. entities or penalties under the local inter-governmental . CRS : To combat problem of offshore tax evasion, the G20 and OECD (Organisation of Economic Co-operation and Development) countries developed a Common Reporting Standard (CRS).CRS requires financial institutions to collect and report information to their tax authorities about account holders resident in other countries. India has signed CRS agreement on 3rd June 2015. UBO : As per SEBI Master Circular No. CIR/ISD/AML/3/2010 dated December 31, 2010 regarding Client Due Diligence policy, related circulars on anti-money laundering and SEBI circular No. IR/MIRSD/2/2013 dated January 24, 2013, non individuals and trusts are required to provide details of controlling persons [CP] / ultimate beneficiary owner [UBO] and submit appropriate proof of identity of such CPs/ UBOs. The beneficial owner has been defined in the circular as the natural person or persons, who ultimately own, control or influence a client and/or persons on whose behalf a transaction is being conducted, and includes a person who exercises ultimate effective control over a legal person or arrangement. As per regulatory requirement, individual investors and joint holders are required to provide extended KYC details. In absence of the same, transactions may get rejected by AMC/RTA. Joint holders of ISA ( Mutual Fund) accounts may update the same through Update Extended KYC option in NetBanking Request section of Accounts tab. Non-individual customers & HUFs may submit extended KYC details to Branches /Relationship manager. In absence of the same, transactions may get rejected by AMC/RTA
Q: What are Guaranteed Additions under this plan
A: The plan provides you with additional boosters in the form of guaranteed additions where the premium payment term is 10 years or more, provided the policy is in force. The Guaranteed Additions are payable at maturity. These guaranteed additions are declared over and above bonuses. The Guaranteed Additions shall accrue at the end of every policy year as specified below: Policy Term Guaranteed Additions (% of Sum Assured on Maturity) <= 19 years 3 % p.a. for first 5 policy years, nil thereafter >=20 years 5 % p.a. for first 5 policy years, nil thereafter
Q: Can I sell my car before I repay my loan
A: No, you cannot sell your car unless you repay your loan. An NOC is required from the financier before you can sell your car.
Q: Do I need to mandatorily register
A: Yes, to avail the offers and earn times points you need to register and activate the account.
Q: Will HDFC ERGO General Insurance give me an advance on the basis of a damage estimate under the Motor Insurance policies
A: No, your vehicle must first be repaired, after which we will reimburse the amount payable to you or pay the garage directly in the case of cashless settlement under your policy.
Q: How do I choose from options available under this plan
A: At policy inception, based on your child’s future needs you can choose one of the three available Maturity Benefit Options. These options are: a) Aspiration: if you choose this option, you will receive a lump sum payout the end of your policy term. You can use this money to fund your child’s marriage or any other large expense.b) Academia: if you choose this option, you will receive guaranteed payouts during the last 5 policy years. The first guaranteed payout shall be higher than subsequent guaranteed payouts. You can use these payouts to fund your child’s college education in future.c) Career:if you choose this option, you will receive guaranteed payouts during the last 5 policy years. The last guaranteed payout shall be higher than previous guaranteed payouts. You can use these payouts to fund your child’s schooling or college expenses in future. Also at policy inception, based on the level of protection you need for your child’s financial planning, you can choose one of the two Death benefit options. These options are: a) Classic: in case of unfortunate demise of life assured during the policy term, the nominee receives Basic Death benefit + accrued Guaranteed Additions + accrued Bonuses, if any. After the payment of death benefit, the policy terminates.b) Classic Wavier:in case of unfortunate demise of life assured during the policy term, the nominee receives Basic Death benefit. All future outstanding premiums under the policy will be waived. The contract shall continue and the benefits as per Survival benefit and Maturity Benefit shall be available. Where Basic Death benefit is defined as higher of: Sum Assured on Death 105% of Premiums paid The Sum Assured on Death shall be the higher of: Sum Assured on Maturity 10 times Annualised Premium for entry age up to 50 years and 7 times Annualised Premium for entry age greater than 50 years
Q: How secure is making payment through Regalia ForexPlus Card
A: Much more secure than carrying cash. Regalia ForexPlus Card uses the same secure technology as chip & PIN so you can feel totally confident when you are using it to pay. Our technology uses the chip on your card to generate unique cryptograms and digital signatures to protect your payments.
Q: How do I know if an ATM will accept my ForexPlus Chip Card
A: ForexPlus Chip cards are accepted at Visa / MasterCard ATMs. Please look out for the VISA/PLUS/MasterCard logo while searching for ATM.
Q: Can I save tax by investing in this policy
A: Premiums paid by an individual or HUF under this plan are eligible for tax benefits under Section 80C of the Income Tax Act, 1961, subject to the conditions/ limits specified therein. Under Section 10 (10D) of the Income Tax Act, 1961, the benefits received from this policy are exempt from tax, subject to the conditions specified therein. Please note that the above mentioned benefits are as per the current tax rules. Your tax benefits may change if the tax rules are changed. You are requested to consult your tax advisor.
Q: What are the fund options
A: The plan offers 8 Funds (including 4 New Funds) of varying risk and return profiles. The Policyholder has the option to choose any one or more funds based on his/her Risk Appetite. The Fund Options available under the Plan are Equity Plus Fund, Diversified Equity Fund, BlueChip Fund, Opportunities Fund, Balanced Fund, Income Fund, Bond Fund and Conservative Fund
Q: Do I need to have an HDFC Bank account to purchase an HDFC Bank Giftplus card
A: No, you dont need to have an HDFC Bank account to purchase a Giftplus card. Simply walk into any HDFC Bank branch in India, submit your KYC documents and purchase an HDFC Bank Giftplus card over the counter.Mode of payment : Cheque/DD