GhulamShabbirKhan/BankFAQs-Phi4 huggingface dataset:
Q: Can a Fixed Deposit be linked to two different Savings Accounts for the Sweep-in
A: A Fixed Deposit can only be linked to one savings account for the Sweep-in facility.
Q: If the money is not credited successfully, will the remitting customer get the funds back
A: With RTGS, the receiving bank should credit the account of the beneficiary instantly. If for some reason the money cannot be credited, the receiving bank has to return the money to the remitting bank within 1 hour. As soon as the money is returned, the original debit entry in the customer's account is reversed.
Q: What is the minimum premium that needs to be paid
A: Minimum premium amounts for various premium payment frequencies are as follows: Single: Rs. 24,000 Annual: Rs. 24,000 Half-yearly: Rs. 12,000 Quarterly: Rs. 6,000 Monthly: Rs. 2,000
Q: What if I forget my ATM PIN
A: Customer can reset ATM PIN by following the below steps: Login to Prepaid NetBanking using IPIN Select My Request ->Set ATM PIN -> Selects the Active Card (Radio Button) Answer the secret question. Mention DOB, Card Expiry and submit Enter the new ATM PIN to be set and finally submit. You will then get an SMS / email alert on your registered mobile number / email address
Q: In how much time will the IVR Password be delivered to my mobile phone/email ID
A: IVR 3D Secure password is delivered instantly. It takes less than a minute. However, network congestion could cause delay.
Q: Who can purchase the HDFC Bank eGiftPlus Card
A: All HDFC Bank & non HDFC Bank Customers can buy HDFC Bank eGiftPlus Card Purchase Limit per card For HDFC Bank: Rs.50,000 & Non-HDFC Bank customers: Rs.10,000
Q: Can the value of the card be topped up
A: Yes, your ForexPlus Chip Card can be reloaded 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 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 services. Incase the Card is issued by your corporate/employer, reload requests received through them will be acted upon by HDFC Bank.
Q: Is there any death benefit under this product
A: There is no death benefit payable under this product.
Q: What is the premium frequency available under policy
A: The premiums can be paid annually, half-yearly, quarterly and annually
Q: Can I repay the Personal loan earlier
A: Yes, you can choose to repay your loan anytime after 12 months of taking the loan and after you have paid 12 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 part prepayment/ full payment / matured loan closure payment. Any payment above Rs. 49000/- should be made vide Account payee Cheque / Pay order /Demand draft.
Q: In case of existing investors, when and how will the KYC norms be introduced
A: KYC norms are applicable to all investors. It is in the interest of all investors to obtain KYC Acknowledgement and submit it to the Mutual Fund to avoid any inconvenience in the future.
Q: While trying to register my card, I am getting the error message stating mobile no. mismatch, what could be the reason
A: Please enter the mobile no you have updated in our system, In case there is a change in the number, Please contact our Customer Care Center and update the same.
Q: How Interest Rate is calculated for premature withdrawal of Recurring Deposit
A: 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 1crore 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: Who can open an RFC Domestic Account
A: Any person who is a resident Indian can open an RFC Domestic account, as long as the foreign exchange earned is in line with the permissible credits as defined in the RBI circular.
Q: What are the documents required to open a New Savings Account
A: In order to open a new Savings Account, simply walk into the nearest HDFC Bank and speak to a customer service executive. Remember to carry the following documents (original for verification and self-attested copies for submission): Identity Proof Address Proof Latest passport size photographs Click here to see the List of valid identity/addres proof.
Q: Can I take any loan
A: Policy loan is not offered in this plan
Q: I have renewed my passport with new number. Do I need to update my new Passport number in my ForexPlus Platinum 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: Can I renew other insurer policies with HDFC ERGO online
A: Yes. You just have to log on to www.hdfcbank.com and provide minimum details of your expiring policy and buy an HDFC ERGO Motor Insurance policy online. Also avail benefits of the No Claim Bonus earned by you in full.
Q: Can I use the card to withdraw cash
A: No, it cannot be used for cash withdrawls at ATM.
Q: What are the minimum docs required to open a Institutional current account
A: Non-individual (Current account) AOD to be completed Registration proof with any state regulatory authority ORCertificate of Registration with the Local Charities Commissioner (for charitable trusts) Certified Copy of the Trust Deed / Bye-laws /MOA /Constitution Proof of address of the institute Certified Copy of the Resolution from Board of Trustees defining who is going to be the authorized signatories in the account / authorizing the opening & conduct of the account Proof of appointment of present Trustees/Governing Body members in case they are not listed in the Trust Deed/Bye-laws Pan Card/Form 60/No Pan declaration as may be applicable FCRA declaration Beneficial Ownership declaration (only for Trusts & Association of Persons) Photograph & proof of identity of all authorized signatories
Q: How can I apply for the Super Saver Account
A: You can apply for the Super Saver Account in the following ways: Apply through a branch: To apply for the Super Saver facility through a nearest branch, please submit a duly signed written instruction at the nearest branch. You may visit the following URL to access information for the complete address and contact details of our Branches. Apply by calling us: You may access information about our PhoneBanking numbers. Apply online: To apply online for Super Saver Facility, please follow steps mentioned below: Login to your NetBanking account and click on “Fixed Deposit Super Saver option located under fixed deposit of the web page. Select the savings account number and the fixed deposit account number that you wish to link for Super Saver Facility from the drop down Accept the terms and conditions by checking the box available for the same. Click on Continue and Confirm. Please note the following details with regards to the online facility. Only customers with SOW (Single Ownership) relationship with both accounts and Fixed Deposits can link them under Super Saver Facility A minimum amount of Rs. 25,000 for a minimum tenure of 6 months 1 day is required to open a super saver account apart from a zero balance Savings Account In case of a Super Saver facility a lien is marked on the Fixed Deposit in favor of the Bank On Auto renewal of the Fixed Deposit, the quantum of the Overdraft limit will remain unchanged Through this facility, a 75% of your Fixed Deposit Principal amount will be granted as an Overdraft facility The rate applicable on the Overdraft facility will be 2% per annum over and above the Fixed Deposit Rate In case of premature liquidation of the Fixed Deposit, against which the Overdraft has been taken, the rate applicable on the overdraft utilized will remain unchanged In case the overdraft limit (Super Saver) set-up on the account is not removed prior to the maturity of the Fixed Deposit, the Bank shall auto-renew the Fixed Deposit for the same tenure at prevailing rates In case you choose any Sweep-in Fixed Deposit to link to a Super Saver facility, please note that a lien will be marked on the said Fixed Deposit for the Super Saver facility. This will mean that in future in case of shortage of funds, the sweep-in will not trigger, however, the Super Saver limit will be utilized. In case you have 2 separate deposits which you have linked to your SB account - a sweep in FD and a Super saver limit, then in case of shortfall of funds, first the OD amount will get utilized and if the shortfall still remains, then the sweep in shall trigger. View more
Q: What is the time limit to submit the form at a designated HDFC Bank branch
A: The bidding time will be the same for ASBA and non-ASBA applications. However, the application needs to be submitted to the designated branch during banking hours and before 1 PM on issue closure date.
Q: Can I use Verified by Visa/ MasterCard SecureCode from any other computer
A: Yes, you can use Verified by Visa/ MasterCard SecureCode from any computer that has an Internet connection and Internet Explorer, 5.0 and above or Mozilla Firefox 1.5 and above or Netscape Navigator 8.1 and above.
Q: HDFC Life APP is a ULIP Plan. Why don’t I get to choose the funds in this plan
A: HDFC Life APP provides you a guarantee (between 101% -135%) of the premiums paid. This is why the choice of funds are predefined as per the Equity Backing Ratio and is not available for customised allocation by customers.
Q: What are the exclusions available under the Plan
A: In case of death due to suicide within 12 months from the date of inception of the policy or from the date of the revival of the policy, the nominee or beneficiary of the policyholder shall be entitled to the fund value, as available on the date of death.Any charges recovered subsequent to the date of death shall be paid back to the nominee or beneficiary along with the death benefit. For detailed exclusions for the plan options please refer to product brochure carefully and/or consult Relationship Manager.
Q: How long will it take for my Professional loan to be processed
A: Once you submit your application form and the required documents as per Bank''s criteria, you can expect our approval and disbursal within 7 working days, provided everything is in order. All loan approvals are at the sole discretion of the bank.
Q: Whom should I contact if my Card is lost or stolen
A: You can contact the below mentioned Customer Care number 022-33271010 or e-mail
Q: How can I apply for the Sweep-in facility
A: To apply for the Sweep-In facility, you can login into your NetBanking account and apply online. This facility is available on NetBanking to Sole account holders (Single owners) only. Others can submit a request at nearest Branch. To apply online for Sweep-In Facility, please follow steps mentioned below: 1. Login to your NetBanking account and click on Fixed Deposit Sweep-in option located under fixed deposit of the web page. 2. Select the savings account number and the fixed deposit account number that you wish to link for Sweep-In Facility from the drop down 3. Accept the terms and conditions by checking the box available for the same. 4. Click on Continue and Confirm. Additional Information: Sweep In facility is not given for the below Fixed Deposits Fixed Deposit amounts greater than 1 Crore For availing Sweep-in facility on Fixed Deposits of value Rs 15 Lakhs and above, the customer will have to contact the nearest HDFC Bank Branch. Fixed Deposits with Lien marked: Fixed Deposits which have a lien / an overdraft limit set up; sweep-in on the said Fixed Deposit will not be maintained. Incase multiple deposits are linked for the Sweep-In facility, the first deposit to be encashed will be the deposit which was opened first. To discontinue this facility, once applied for it, you will have to contact the Branch. You may visit the URL to access information for the complete address and contact details of our Branches as well as our PhoneBanking numbers: View more
Q: Is emergency financial assistance provided under Travel Insurance
A: A financial emergency is a situation where the insured loses all or a substantial amount of his/her travel funds due to theft, robbery, mugging or dacoity. Under this benefit the insured is provided with Emergency Cash Assistance up to the limit stated in the Policy. This assistance is provided by the company through a service provider.
Q: If I change my address/Bank account /Nomination, what do I need to do
A: For all changes in account profile, or bank account linked for purchases or redemptions, contact the nearest branch and fill in a form to get the change done.
Q: What is the premium frequency available under the policy
A: The premiums can be paid annually, half-yearly, quarterly and annually
Q: Is there any option available for monthly payout
A: Yes the plan provides the option to the policyholder to receive the future payouts monthly instead of yearly. In such cases, the monthly payout shall be 8% of the annual payout.
Q: How is a Merchant Advantage Plus Current Account different from a Regular Current Account offered by most banks
A: A Merchant Advantage Plus Current Account offers you the following privileges: Free limit for cash deposits up to four times the amount swiped at the HDFC Bank EDC machine linked to your Merchant Advantage Plus Current Account Free inter-city clearing between HDFC Bank branch locations (except Dahej) up to Rs.50 Lakhs per month Free and faster collection of outstation cheques at HDFC Bank locations Free RTGS and NEFT transactions Free BillPay and InstaAlerts Free Regular and Business Debit Cards These privileges make a Merchant Advantage Plus Current account different from a Regular Current account. View more
Q: How should the gold loan be repaid
A: The best thing about Loan against Gold is that only servicing of the interest is required. Monthly out flow as low as Rs 1000 per lakh calculated basis indicative rate of 12% p.a
Q: What is the Death-Benefit under the plan
A: The table below captures the available death benefits during the policy term under various options. Death Benefit Options Death Benefits Classic Basic Death benefit + accrued Guaranteed Additions + accrued Bonuses, if any Classic Waiver Basic Death benefit + Premium Waiver The table below describes each of the above benefits in detail. Basic Death Benefit The basic death benefit shall be the 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 Premium Waiver 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. For the purpose of computation of Death Benefit, the premiums shall exclude any underwriting extra premiums, any loadings for modal premiums and any taxes paid such as service tax and education cess. For more details on risk factors, terms and conditions, please read the Product Brochure carefully before taking a decision.
Q: How does this card work
A: Your ISIC HDFC Bank ForexPlus Chip card will be activated with the required Euro / GBP and USD within 4 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.) ISIC HDFC Bank ForexPlus Chip 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 ISIC ForexPlus Chip card. The ISIC HDFC Bank ForexPlus Chip card is accepted at all Merchant Establishments displaying the MasterCard symbol. The card can be used to withdraw cash at all 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 ensure that you remember the PIN given to you with the card pack, the PIN is unique for every card and cannot be changed at any domestic or international ATM.
Q: Do I need to provide collateral to avail of an education loan (Education Loans For Indian Education)
A: For loans up to Rs. 4 lakh - No collateral or Third Party Guarantee is required For loans from Rs. 4 lakh to Rs. 7.5 lakh – No collateral required, however Third Party Guarantee is required For loans above Rs. 7.5 lakh – collateral is required. You can choose from any of the following acceptable collaterals: Residential Property HDFC Bank Fixed Deposit LIC/NSC/KVP View more
Q: What services I can avail on GCAS
A: You can avail the following services through GCAS: a) Report loss of card or hotlist your card b) Request for a Replacement Card c) Request for the requirement of Emergency cash View more
Q: Are there charges I should know about Imperia Platinum Chip Debit Card
A: Another benefit of the EasyShop Platinum Debit card is that there are absolutely no transaction charges to worry about when shopping at a merchant location. Any Fuel surcharge levied will be reversed within 75 days from the date of levy of the surcharge(upto a maximum of Rs. 750 per month per card. You can use your card charge-free at all HDFC Bank ATMs, but remember to check the associated fees when using other bank ATMs. Please also remember that charges will be levied at Railway stations. This is as per industry practice. View more
Q: What does “deductables” means
A: Deductible means the amount of a claim that has to be borne by the insured.
Q: What are the age limits for this plan
A: The age limits for this plan include: Minimum Entry Age 8 years Maximum Entry Age 60 years Minimum Maturity Age 18 years Maximum Maturity Age 70 years
Q: What is the mode of repayment
A: You have the option of repaying the loan through an ECS.
Q: Who should I contact if my card is lost or stolen
A: In case your card gets lost or stolen, all you have to do is call HDFC Bank PhoneBanking immediately and report the loss of your card. This facility is available 24 hrs. on all days. The card can also be hotlisted using our Prepaid card NetBanking facility on www.hdfcbank.com. A new Card will be issued and the residual balance on your hotlisted Card will be transferred to your new Card.New card will be issued only basis the request received from the purchaser.The request for balance transfer from old card to new card will be honored only basis the request received from purchaser
Q: How can I change / update the address for my account
A: We request you to follow the below steps to update /change your address. You can Personally Visit your nearest Branch or You can send your request through courier, Post or Bearer to the nearest branch : 1) Click here to download the form or Fill the application form available at the Branch 2) The application form needs to be duly filled and signed by the account holder. 3) Please attach a copy of Address proof to the address change request. List of Valid Address proof documents. 4) If you are visiting the Branch, please carry your original documentation for verification. If you are sending the request through post, then please attach a copy of self-attested address proof. Note / Important: Your mailing address will be updated within 7 working days after receipt of complete documentation. Joint account holders need to fill separate request for address change You may view the updated address by logging on to NetBanking under My Contact Details. For any other queries or to know the status of an existing application, please call up PhoneBanking or write to us with the details mentioned below. HDFC Bank Branch where your request was submitted Date when your request was submitted Your complete new address and PIN code View more
Q: How do I activate a 'Dormant' Savings Account
A: We request you to follow the steps mentioned below to activate your account: Step 1) Approach the branch in person. Step 2) Submit a written request for activation of your dormant account, signed as per operating instructions in the account. Step 3) Furnish proof of identity and Address (carry the original for verification) Step 4) Initiate a transaction and your account will be activated once again.
Q: What will be the tenure of Gold loan
A: Gold Loan are available for tenures starting from 6 months, up to 48 months.
Q: Will we get tax benefit on the interest paid on education loan
A: Yes, every Credila borrower or co-borrower (any one) is entitled for Tax benefit under 80E of Income Tax Act, 1961.
Q: What will be the start date of my insurance policy
A: Your insurance cover starts from the commencement date indicated by you in the proposal form or receipt of the premium by us, whichever is later.
Q: Is there any eligibility criteria under this product
A: Eligibility Criteria for Easy Health includes: Minimum Entry Age: 18 years Maximum Entry Age: 65 years Minimum Maturity Age: 23 years Maximum Maturity Age: 70 years Policy Term: 5 years Note – Age is taken as on last birthday
Q: Is the Super Saver Account a normal Savings Account
A: Look at the Super Saver Account as a Premium Savings account. With this option you’re combining the benefits of a Fixed Deposit and a Savings Account. There are a few other unique features, including: High interest rates A personalised cheque book A free ATM card Free inter-city access View more
Q: Whom should I contact if my card is lost or stolen
A: Immediately report the loss of your ForexPlus Platinum 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: Are there any transactions for which this Card should not be used
A: Yes, your ISIC ForexPlus Card should not be used towards temporary charge blocks - e.g. paying deposits at hotels, hiring of cars etc. In case you have paid these deposits using ForexPlus 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.
Q: Which courses can I take an education loan for (Education Loans For Foreign Education)
A: You can take a Education Loan for foreign education on the following courses: Management Courses (Full-Time) Engineering Courses Medicine - Graduation + Post Graduation Masters in Computer Application ( MCA / MCM ) Architecture Hotel and Hospitality Agriculture Pure Science View more
Q: What is the benefit of broken bones under this policy
A: Pays 10 % of Sum Insured upto 50,000(for dependent parents), if an accident results in broken bones
Q: Where one can avail the claim form
A: On registration of a claim, claim form will be sent to you by post, e-mail or fax along with the list of documents required for assessing the claim. The claim form is also available on our website.