GhulamShabbirKhan/BankFAQs-Phi4 huggingface dataset:
Q: Are there transaction limits for Gold Debit Card
A: Subject to the balance in your account, the daily limits are Rs. 50,000 at ATMs and Rs. 2.75 lacs at merchant locations. These limits have been set for the security of your card.
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: Can I generate multiple IVR Passwords
A: No, only one IVR password can be generated at a time. Only when the first one is used / expires, can the next IVR password be generated.
Q: What does 'Moratorium period' mean (Education Loans For Foreign Education)
A: A repayment moratorium (also called a repayment holiday) is the course work period + 1 year or 6 months after the student gets a job or starts earning, whichever is earlier.
Q: What is the maximum age limit for buying this Plan
A: The maximum age allowed at entry is 70 years of age.
Q: Can I get a  Debit Card linked to my Institutional Savings Account
A: Yes. Business Debit Cards are issued to Authorised Signatories in the account. This is done provided the mode of operation is ‘Singly’ OR ‘Either or Survivor’ and the operating instructions allow the signatory to sign for amounts above Rs. 1.25 lakh. This is because the combined - ATM & POS - per day limit on the Business Debit Card is Rs.1.25 lakh.
Q: Any minimum Balance need to be maintained in the account
A: No minimum balance need to be maintained as these are Zero balance accounts.
Q: Can I load Forex card by making payment in Cash
A: No, Forex card can not be loaded against payment of cash. In case existing bank customer need to load his/her forex card by making payment in Cash then, the customer need to deposit cash in his/her account and then issue cheque or debit instruction to load the card.
Q: How do I know my application has been accepted
A: You can check your account opening status on www.hdfcsec.com on the footer page of the homepage section page under the Application status.
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 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 the date of death.
Q: Do I need to activate Multicurrency Platinum ForexPlus Chip card for Ecommerce transactions
A: You Multicurrency card is pre-activated to perform Ecommerce transactions once your card is loaded with the Forex currency required.
Q: Do I need to have HDFC Bank account to purchase the Hajj Umrah ForexPlus Card
A: You can just walk into any of our HDFC bank branches in India and purchase it over the counter after submission of necessary documents.
Q: How frequently will my portfolio be re-valued
A: We generally do that on a weekly basis, unless there is a sudden fall in the market prices. In that case, we can conduct an Interim revaluation.
Q: Will I get notification about the expiry of my Times points
A: Yes, you will be notified through email on the expiry of your Times points. The emails notification will be sent to you from Times Internet Limited (TIL).
Q: What is the Death Benefit under the plan
A: On death of the life assured during the term of the policy, provided all due premiums are paid; the nominee will receive the higher of the following: Sum Assured on Death + Accrued Reversionary Bonuses + Interim Bonus (if any) + Terminal Bonus (if any) 105% of premiums# paid till dateWhere, 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 #excludes any underwriting extra premiums, modal loadings and any taxes paid On death of the life assured during the payout period, the Death Benefit payable shall not be reduced by the survival benefits already paid. On payment of the Death Benefit during the policy term, the policy will terminate and no future payouts will be payable.
Q: What is the maximum value for which the Card can be used
A: There is no limit imposed on the usage of ForexPlus card. Customer's can withdraw/utilise any amount, upto the value loaded on card at any ATM/POS. However, there are some ATMs service providers which have put in per day / per transaction limit towards cash dispense which cannot be changed by the Bank. In such cases the cardholder might need to do multiple transactions if he wants to withdraw any amount higher than that allowed in one transaction.
Q: Can I issue cheques to load the Hajj Umrah ForexPlus Card
A: Customer can load Hajj Umrah ForexPlus card by issuance of cheque against the amount to be loaded. However, cards will be loaded post realisation of the cheque deposited by the customer. The exchange rate applicable will be for the day on which funds are realized and card is activated.
Q: Can I use the same IVR Password  to perform multiple transactions
A: No, each IVR password can be used only for a maximum of 3 attempts (including decline attempts) within the specified validity period. For further transaction attempts, a new IVR password must be generated.
Q: Which Mutual Funds are ISA enabled
A: List of Mutual Funds ISA AIG Mutual Fund OD Addendum Fact Sheet Axis Mutual Fund OD Addendum Fact Sheet Bharti AXA Mutual Fund OD Addendum Fact Sheet Birla Mutual Fund OD Addendum Fact Sheet Canara Robeco Mutual Fund Fund OD Addendum Fact Sheet Deutsche Mutual Fund OD Addendum Fact Sheet DSP BlackRock Mutual Fund OD Addendum Fact Sheet Edelweiss Mutual Fund OD Addendum Fact Sheet Fidelity Mutual Fund OD Addendum Fact Sheet Franklin Templeton Mutual Fund OD Addendum Fact Sheet HDFC Mutual Fund OD Addendum Fact Sheet HSBC Mutual Fund OD Addendum Fact Sheet ICICI Prudential Mutual fund OD Addendum Fact Sheet IDFC Mutual Fund OD Addendum Fact Sheet ING Mutual Fund OD Addendum Fact Sheet JM Mutual Fund OD Addendum Fact Sheet JP Morgan Mutual Fund OD Addendum Fact Sheet Kotak Mutual Fund OD Addendum Fact Sheet L & T Mutual Fund OD Addendum Fact Sheet Mirae Asset OD Addendum Fact Sheet Morgan Stanley Mutual Fund OD Addendum Fact Sheet Reliance Mutual Fund OD Addendum Fact Sheet Religare Mutual Fund OD Addendum Fact Sheet SBI Mutual Fund OD Addendum Fact Sheet Sundaram Mutual Fund OD Addendum Fact Sheet TATA Mutual fund OD Addendum Fact Sheet UTI Mutual Fund OD Addendum Fact Sheet BNP Paribas Mutual Fund OD Addendum Fact Sheet Pramerica Mutual Fund OD Addendum Fact Sheet View more
Q: Which Rewarding Merchants participate
A: You will have access to thousands of Participating Rewarding Merchants located throughout North America. To locate a Participating Rewarding Merchant near you, please use our online locator. If you don’t find a Participating Rewarding Merchant location near you, be sure to check back frequently as we are always adding new merchants to the program.
Q: Is any additional documentation required for availing the ASBA facility
A: No further physical documentation is required to avail of this facility.
Q: What should  I do and whom to contact if  my card is lost
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
Q: What are the benefits under  the Critical Illness - Platinum Plan
A: The company will pay the sum insured as a lump sum on the first diagnosis of any one of the following critical illnesses, provided that the insured person survives a period of 30 days from the date of the first diagnosis. The following critical illnesses are covered under our plan: Heart Attack (Myocardial Infarction ) Coronary Artery Bypass Surgery Stroke Cancer Kidney Failure Major Organ Transplant Multiple Sclerosis Paralysis View more
Q: As an NRI, can I buy Mutual Fund Units in the Portfolio Investment Schemes (PIS) account
A: No, you cannot purchase Mutual Fund units in the PIS account. You can only do so in the Non-PIS account.
Q: How is the Fund Value calculated
A: Fund Value will be calculated by multiplying balance units in your fund by the then prevailing NAV price.
Q: What is the definition of a dependent child
A: A dependent child is an unmarried child between the age of 3 months and 18 years, or up to 21 years if in full time education, residing with the insured person.
Q: If I have just received a renewed card, do I need to re-register
A: No, you do not have to re-register your renewed card since the card number remains the same. You need to re-register only if your card number has changed due to card replacement/ re-issue/ upgrade.
Q: Where can the policyholder get the list of Network Hospitals
A: The list of Network Hospitals is enclosed along with the Policy Document. The Policyholder can also visit the HDFC Life website, www.hdfclife.com, for the most updated list.
Q: What are the minimum and maximum age limits for investing in HDFC Life Uday
A: The age limits for HDFC Life Uday have been highlighted below : Minimum Entry Age 18 Years Maximum Entry Age 55 Years Minimum Maturity Age 30 Years Maximum Maturity Age 70 Years
Q: What are the charges I have to pay to change the mode of repayment/ account for my loan
A: A service charge of Rs.500 is applicable for changes in loan repayment instructions issued from non-HDFC Bank Account (ECS or PDC facility). A cheque/payorder/demand draft for Rs. 500 favouring “HDFC Bank Ltd Loan Account No. << >> will be required along with the revised set of repayment instructions.
Q: Who can be a partner in a partnership firm
A: Partners must be major (above the age of 18), should be sane and should not be disqualified by law from entering into a contract.
Q: Can I access my Merchant Advantage Plus Current Account from any HDFC Bank branch
A: Yes. The advanced technology of our systems provides you with the flexibility of accessing your account from any HDFC Bank branch.
Q: How long does it take to process Gold Loan
A: A gold loan is disbursed within One Hour. This is, however, subject to the verification of the gold and other documents that you submit. Approvals are at the sole discretion of the bank.
Q: Can I take this plan without going for medicals
A: Yes this plan can be taken by filling short medical questionnaires subject to underwriting guidelines. For more details contact our Relationship Manager.
Q: What happens if I don’t pay an instalment
A: If frequent defaults (non-payments) are observed in your payment of monthly installments, and six installments fall in arrears, the Bank reserves the right to close your RD account. The interest rate applicable on such accounts will be as per the premature withdrawal policy of the Bank.
Q: What is the difference between Life and Extra Life options
A: In addition to the benefits under Life Option, you get an additional Extra Life Sum Assured upon death due to Accident under Extra Life option. Customer has the flexibility to select the amount of Extra Life Sum Assured (maximum up to Base Sum Assured)
Q: Is HDFC Bank venturing into silver/bullion market
A: Yes, HDFC Bank has RBI approval to retail silver/bullion to its customers.
Q: How do I obtain a NOC from the bank for settling a partial loss Insurance Claim for a vehicle under finance with HDFC Bank
A: You may obtain the NOC to settle the partial insurance claim in your favour, provided there are no outstandings to your loan account, by visiting any of our Retail Loan Service Center and submitting the following documents: Request form for applying for the required NOC. Original Insurance Policy (will be returned back to you at the centre, post validation). Copy of the Insurance Policy, duly self attested by you. Claim Voucher provided by Insurance Company Applicable fee of Rs. 500/- vide a cheque/payorder/demand draft favouring HDFC Bank Ltd Loan Account No. << >>. In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents (self attested copy and original for validation) of the bearer, i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided. Note, for Total Loss, Claims will be settled in favour of the Bank to close the loan based on the Loan Pre-Termination Statement as on the date of request and in case of any excess claim received from the Insurance Company, a refund will be made favouring the customer. View more
Q: What is the time frame to report Debit Card transaction dispute
A: Transaction dispute needs to be reported in writing within 30 days from the transaction date.
Q: Who do I contact in the case of hospitalization when covered under Travel Insurance
A: You have to contact the International SOS immediately in the case of hospitalization. They also provide any information to deal with any problem regarding claims.
Q: Where I can earn ‘Thanks Again’ Reward Points
A: You can earn reward points on merchants registered with ‘Thanks Again’ reward program, located in & around airports
Q: Can a Defence ID card be accepted as a Photo ID document (Defense Salary Account)
A: A Defence ID can be accepted as a Photo ID document.
Q: What should I do in the case of a void transaction for NRO 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 are the permissible credits into EEFC account
A: Inward remittance through normal banking channels, other than remittances received on account of foreign currency loan or investment received from abroad or received for meeting specific obligations by the account holder; Payments received in foreign exchange by a 100 per cent Export Oriented Unit or a unit in (a) Export Processing Zone or (b) Software Technology Park or (c) Electronic Hardware Technology Park for supply of goods to similar such units or to a unit in domestic tariff area; Payments received in foreign exchange by a unit in the domestic tariff area for supply of goods to a unit in the Special Economic Zone (SEZ); Payment received by an exporter from an account maintained with an authorised dealer for the purpose of counter trade. (Counter trade is an arrangement involving adjustment of value of goods imported into India against value of goods exported from India in terms of the Reserve Bank guidelines); Advance remittance received by an exporter towards export of goods or services; Professional earnings including directors fees, consultancy fees, lecture fees, honorarium and similar other earnings received by a professional by rendering services in his individual capacity; Re-credit of unutilised foreign currency earlier withdrawn from the account; Amount representing repayment by the account holder's importer customer, of loan/advances granted, to the exporter holding such account; and The disinvestment proceeds received by the resident account holder on conversion of shares held by him to ADRs/GDRs under the Sponsored ADR/GDR Scheme approved by the Foreign Investment Promotion Board of the Government of India. View more
Q: Do I need to register for program
A: Yes, Customer need to register himself on www.thanksagain.com for earning the reward points. Unless you register yourself, you cannot earn any reward points
Q: How long is the tenure of the loan (Education Loans For Indian Education)
A: The maximum repayment tenures are as below: For loans upto Rs. 7.50 lacs - upto 10 years For loans above Rs. 7.50 lacs - upto 15 years
Q: What happens if my card is lost
A: In case your card gets lost or stolen, all you have to do is call HDFC Bank 24x7 PhoneBanking immediately and report the loss of your card. The card can also be hotlisted using our Prepaid NetBanking facility In case you have opted for a back-up card, then you can request to activate back-up card and transfer balance on your hotlisted card to the back-up card. Balance transfer will be carried out instantaneously.
Q: What are the guaranteed benefits that are there in the policy
A: The Product offers two types of guaranteed benefits: 1. Guaranteed Additions – 3% to 5% of ‘Sum Assured on Maturity‘ accrue during first 5 policy years, payable at maturity or death, whichever is earlier, provided the policy is in force Policy Term Guaranteed Additions (% of Sum Assured on Maturity) 15 years to 19 years 3 % p.a. 20 years to 24 years 4 % p.a. >=25 years 5 % p.a. 2. Sum Assured on Maturity – 100% of 'Sum Assured on Maturity' is payable at maturity, provided the policy is in force.
Q: What should I do in the case of a void transaction for Gold 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 will my family receive in case of my unfortunate demise
A: In case of the Life Assured’s unfortunate demise, the nominee will receive the higher of the following: Sum Assured, Fund Value, 105% of the premium(s) paid.
Q: Where do I get this card
A: ForexPlus Chip 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 ForexPlus Chip card. The card will get activated within 4 hours from realization of funds. Alternatively, the customer can apply for card through NetBanking login also.In case the customer applies the card through NetBanking the card will be delivered to the customer within 2 working days. This facility is available at select locations only.
Q: Can I load ForexPlus Chip Card by making payment in Cash
A: No, ForexPlus Chip Card cannot be loaded against payment of cash.
Q: How can I obtain an IVR Password
A: By Sending SMS request: Send an SMS 'PWD<space>1234' to 9717465555 or to 5676712 from your registered (with Bank) mobile number.(Note: 1234 are the last 4 digits of your HDFC Bank Credit Card number). You will receive an SMS with the IVR password on the same number. From HDFC Bank Website: If you have registered your card for NetSafe/ Verified by Visa/ MasterCard SecureCode, you can also login in to your NetSafe/ Verified by Visa/ MasterCard SecureCode account and use the Generate IVR Password option available on the left menu. The IVR password will be sent to your registered mobile number and email ID. These are the most convenient and recommended options. To ensure convenience, make a note of the IVR password and keep it handy while performing the transaction. Note: Kindly ensure that your latest mobile number and email ID is updated with us. Premium SMS charges as per your mobile service provider will apply for an SMS sent to 5676712 View more
Q: How are Mudra Pure Gold Bars different from 24 carat gold available in market
A: There are three different purity levels in 24 carat gold; i.e. 99.50%, 99.90% and 99.99%. HDFC Bank Mudra Pure Gold Bars are 24 carat, 99.99% pure. This is the highest available purity in gold. The normal level of purity commonly available with local jewelers is 24 carat 99.5% pure. In some cases the purity is level is 99.9% pure.
Q: What is the Surrender Benefit
A: If you surrender before completion of the 5 years from commencement of the policy, your fund value, less discontinued charges, will be moved to the 'Discontinued Policy Fund'. The amount allocated to the 'Discontinued Policy Fund', with accrued interest, will be paid out on the completion of the lock-in period. Discontinuance charge will be deducted. If you surrender after completion of the 5 years from commencement of the policy, your fund value will be paid out immediately. Upon payment of this benefit, the policy terminates and no further benefits are payable. Please refer to product brochure for details
Q: Are there any tax benefits available
A: The premiums paid by you are eligible for tax benefits under Section 80CCC of the Income Tax Act, 1961. Up to 1/3rd of the policy proceeds can be taken as tax-free commuted value, as prescribed under Sec 10 (10A) of the Income Tax Act, 1961.
Q: Can NetBanking facility (financial rights) be enjoyed by  authorized signatories in the Institutional Savings Account
A: Yes. We do offer NetBanking financial rights to authorized signatories. You need to fill up an application form along with a Board Resolution in order to avail this facility.
Q: I'm not a traveller, can I still benefit from the Regalia ForexPlus Card
A: The Regalia ForexPlus Card is only for travellers, and cannot be issued to non-travellers.