GhulamShabbirKhan/BankFAQs-Phi4 huggingface dataset:
Q: Is there any Personal Accidental Death Cover for Times Point Debit Card holders
A: Yes. There is an Accelerated insurance cover of 10 lacs in case of death due to by Air / Road / Rail. For more information and Terms and condition you are requested to visit www.hdfcbank.com.
Q: What are the modes of accident covered under Personal Accidental Death Cover
A: Accidental Death resulting from bodily injury due accident only under civilian condition (off duty)
Q: How do I obtain a duplicate NOC/Form 35 for a vehicle loan that has been closed and fully repaid
A: You may obtain a duplicate NOC/Form 35 for your vehicle by visiting any of our the Retail Loan Service Center and submit the following documents: Request form for Duplicate NOC/Form 35. Self attested copy of the Registration Certificate book, duly self attested by you, along with the Original Registration Certificate book for validation. 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. Please note that the Loan Closure NOC/Form 35 will not be issued if any of the following conditions apply: Copy of RC Book is not submitted The same vehicle is encumbered to the Bank for any other loan facility Any notice from a competent authority restraining the Bank from release of hypothecation If there are any existing over dues, direct or otherwise, in your name View more
Q: What are the conditions on revival
A: You will need to pay all the outstanding premiums and interest on the outstanding premiums and applicable taxes. Charge of Rs 250 shall be levied for processing the revival. The revival period shall be of two years from date of lapsation/paid up as specified by the current regulations.
Q: What if I miss one of my due premiums
A: We understand that you may not be in the best of financial health always. Keeping this in mind, we have incorporated the Auto Cover Continuance feature in HDFC Life Uday. Under this feature, for a reduced paid-up policy the full death benefit shall continue for a period of one year (Auto Cover Continuation period) from the date of first unpaid premium. Auto Cover Continuance applies only to the basic death benefit and not to the additional accidental death benefit. At the time of payment of death benefit during the Auto Cover Continuation period the due but unpaid premium shall not be deducted from the benefit payable. The basic death benefit payable during this one year shall be the higher of: Sum Assured on Death + Accrued Guaranteed Additions + Accrued Reversionary Bonus (if any) + Interim Bonus (if any) + Terminal Bonus(if any) 105% of Premiums paid During the auto cover continuance period, the additional accidental death benefit shall be reduced to paid-up Sum Assured on Death. The Guaranteed Additions and Reversionary Bonuses accrued till due date of first unpaid premium shall become payable on death and no further Guaranteed Additions or Reversionary Bonus shall accrue to the policy.
Q: Can I use the DCC/ MCC option at the time of transaction
A: Whenever Platinum Multicurrency cardholder opts for DCC/MCC option on DCC/MCC enabled POS/ATM terminals, his/her transaction passes through cross currency transactions twice. It is not advisable for a ForexPlus cardholder to opt for DCC/MCC while using ForexPlus Platinum card for making payments.Please note that every cross currency transaction attracts currency conversion charges at applicable rates. Apart from this, the cardholder will also get penalised due to fluctuation in currency conversion rate.
Q: Can I load ForexPlus card by making payment in Cash
A: No, ForexPlus card cannot be loaded against payment of cash.
Q: What type of bonuses is this plan eligible for
A: Bonuses are as a percentage of the sum assured on vesting. Reversionary bonus, if declared, will be added every year annually. Interim and terminal bonuses, if declared.
Q: How much finance can I avail of on New Car Loans
A: You can borrow up to 90% of the invoice value. However, the minimum loan amount is Rs. 1,00,000.
Q: Can an entire society or building be covered under your Home Insurance policy
A: No, an entire society cannot be covered under this product
Q: How do I top-up the value of my card when I am abroad
A: ForexPlus Platinum 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: What are the features of HDFC Bank Mudra Pure Gold Bars
A: 99.99% Pure 24 Carat Tamper-proof Packaging Assay Certification for purity and weight Imported from Switzerland
Q: For how many years can I stay invested in this plan
A: You can choose a policy term of 5 years to 20 years under this plan.
Q: How soon can I get a GitfPlus card
A: In our bank branches, GiftPlus Card can be availed of from over the counter. These cards however are non-personalised. If a personalised card is requested online or at any branch, the TAT is 5-7 working days.The convenience of online purchase is that the card will be delivered to the address specified in your instructions
Q: Who can apply for Credila Education Loan
A: Credila provides education loan to Indian students for higher studies in India and abroad. Credila has funded Indian students for pursuing higher studies in over 2000 institutes across 36 countries.
Q: Where can I use my EasyShop Titanium Royale Debit Card
A: Just look for the MasterCard logo when shopping. If you'd like to use an ATM, it should have the Master or Cirrus logo. And remember, you can use your EasyShop Titanium Royale Debit Card at all HDFC Bank ATMs just like a normal card.
Q: What is activation code
A: The activation code is required to activate your HDFC Bank Multi Currency ForexPlus Platinum Card NetBanking service.
Q: Why is this plan good for me
A: HDFC Life Click 2 Invest – ULIP, lets you enjoy market linked returns along with valuable financial protection for your family. This plan has minimal charges which help your fund value grow faster. The key features of this plan are: Minimal Charge Structure Choose from a range of 8 fund options Premium payment options of Single Pay, 5 Pay, 7 Pay, 10 Pay or Regular Pay Policy Term of 5 to 20 years Tax exemption under Sec 80C and Sec 10(10D) of IT Act, 1961
Q: What bond options are available
A: You can choose from cumulative and non-cumulative bond options.
Q: How do I buy Mutual Fund over the Net
A: To invest through NetBanking Log onto www.hdfcbank.com
Q: Till what age the HDFC Ergo Personal Accident Insurance policy can be renewed
A: Personal Accident Insurance policy can be renewed for life long
Q: Who do I contact for a claim on the Travel Insurance policy
A: In the event of a covered emergency and to register claims call our International SOS Provider, ERV – 24 hour helpline centre and quote the Policy Holders’ Name, the Policy Number, Insurance Company, Passport Number when seeking assistance within 24 hours. The contact details are: Email: [email protected] Toll Free No: 1866 202 4700 (Only for USA & Canada) Land line: 011 - 41898872 (for other countries) Europe (for 28 countries in Europe): UFIN No. – 800 8000 8400 Fax: 011 - 41898801 View more
Q: Are there medicals involved to buy this plan
A: Yes
Q: Can I pay the premium for my Auto Insurance in instalments
A: No, the law (Insurance Act, 1938) does not permit us to accept your Auto Insurance premiums in instalments.
Q: Is the e-Monies NEFT system better than the existing RBI-EFT system
A: E-Monies NEFT has no restrictions, because it’s based on a centralized network. That’s not the case for the RBI-EFT system, which is confined to just 15 centres.
Q: When can I open a salary account with HDFC Bank
A: The salary account can be opened by virtue of your employer / company having a Corporate Salary arrangement with the Bank.
Q: Can the OTP be used for multiple online transactions
A: OTP can be used only for a single online transaction.
Q: How will I know which ATMs accept the HDFC Bank ForexPlus Platinum Card
A: All ATMs displaying the VISA Logo will accept the HDFC Bank ForexPlus Platinum Card.
Q: What if the balance in the currency of transaction goes down
A: The card has inbuilt intelligence to process the transaction if any of the currency wallets has sufficient fund to authorize the transaction. If the currency wallet corresponding to the transaction currency does not have sufficient balance, the payment is processed by debiting the currency wallet with sufficient balance. By default the card first checks the Euro wallet and subsequently other currencies. Please note that if none of currency wallets have sufficient balance then the transaction will be declined even if collectively across the wallets the card has sufficient balance. Please note that cross currency conversion charges will be applicable in cases where the transaction is processed by utilizing funds from different currency wallet.
Q: Who do I contact in the case of a claim under the Critical Illness policy
A: In the case of a claim under the policy, you should immediately intimate us on our helpline number. On receipt of the intimation, we will register the claim and assign a unique claim reference number which will be communicated to the insured and may be used for all future correspondence.
Q: How can I cancel my ForexPlus Chip Card
A: To cancel your Forex Plus Chip 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 Chip 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: Are there any transactions for which I cannot use the Card
A: Yes, the card cannot be used to withdraw cash. It can only be used for POS transactions. Note: The Bank reserves the right to charge the Cardholder for any unauthorized amounts.
Q: What is the Maturity Benefit under the plan
A: The plan offers guaranteed additions (GA) as a percentage of sum assured accrued for each completed policy year payable at maturity. Policy term (Yrs) GA as % of Sum Assured 15 to 19 years 8% 20 to 25 years 9% On your survival, at end of the policy term, you will receive a lump sum benefit as the aggregate of: Sum Assured Accrued Guaranteed Additions Your Aggregate Maturity benefit as percentage of Sum Assured as per term chosen is as follows: Policy term 15 16 17 18 19 20 21 22 23 24 25 Maturity benefit as percentage of Sum Assured 220% 228% 236% 244% 252% 280% 289% 298% 307% 316% 325%
Q: In what weight are the silver bars available
A: Currently Mudra - Pure silver bars will be available in 50 gm weight.
Q: Who can open an Investment Services account
A: Any Individual or HUF, who has an HDFC Bank Savings Account and is KYC compliant, can register for a Mutual Fund Investment Services Account. NRI customers who are KYC compliant and have a Savings account can also avail of this service. The Savings Bank account status has to be single or either/Survivor.
Q: What is the Regalia ForexPlus Card
A: Regalia ForexPlus Card is specially designed considering the requirement for valued customer of the bank who are frequent visitors abroad. This card ensures the convenience, safety & cost effectiveness while using the card. You need not have to carry multiple currencies in various wallets nor you need to swap the funds within wallets while travelling to another country. This card is issued only in one currency and comes with exclusive feature of Zero Cross Currency Conversion Charges, ‘Thanks Again’ reward program, ATM Access Fee waiver, & Complimentary Lounge Access. Hence you are free to transact in any currency as per your wish. This card is an embedded chip based prepaid forex card introduced in partnership with MasterCard International. This card gives you the freedom to shop anywhere in the world and provides access to the currency of your destination at competitive market rates. It can be used at all MasterCard affiliated ATMs and merchant establishments worldwide. This card cannot be used for making payments in foreign currencies in India, Nepal or Bhutan. This card also comes with General Purpose Reloadable card wallet (GPR wallet) in INR currency where you can get your Regalia ForexPlus Card encashed & use the same in India for ATM cash withdrawals & at merchant outlets or at ecom merchants for purchases in INR currency.
Q: What are the permissible debits into this account
A: Payment outside India towards a permissible current account transaction [in accordance to the provisions of the Foreign Exchange Management (Current Account Transactions) Rules, 2000] and permissible capital account transaction [in accordance to the Foreign Exchange Management (Permissible Capital Account Transactions) Regulations, 2000]. Payment in foreign exchange towards cost of goods purchased from a 100 percent export oriented unit or a unit in (a) Export Processing Zone or (b) Software Technology Park or (c) Electronic Hardware Technology Park. Payment of customs duty in accordance with the provisions of the Foreign Trade Policy of the Central Government for the time being in force. Trade related loans/advances, extended by an exporter holding such account to his importer customer outside India, subject to compliance with the Foreign Exchange Management (Borrowing and Lending in Foreign Exchange) Regulations, 2000. Payment in foreign exchange to a person resident in India for supply of goods/services including payments for airfare and hotel expenditure. View more
Q: What is an accident
A: Accidentmeans a sudden, unforeseen and involuntary event caused by external, visible & violent means.
Q: What payouts will I get under different plan options
A: The table below specifies the series of money back/endowment payouts, payable at the end of each year, for a premium paying or a fully paid-up policy. Maturity Benefit Option Year of Payout Aspiration Academia Career 5th year before Maturity - 30% of SA 15 % of SA 4th year before Maturity - 15 % of SA 15 % of SA 3rd year before Maturity - 15 % of SA 15 % of SA 2nd year before Maturity - 15 % of SA 15 % of SA 1st year before Maturity - 15 % of SA 15 % of SA At Maturity 100% of SA + GA + accrued bonuses 15 % of SA + GA + accrued bonuses 40 % of SA + GA + accrued bonuses Total 100% of SA + GA + accrued bonuses 105% of SA + GA + accrued bonuses 115% of SA + GA + accrued bonuses SA: Sum Assured on maturity. GA: Guaranteed Additions
Q: How can I register for this service
A: To register for this service, fill in an Investment Services account opening form that is available at any HDFC Bank Branch, or contact your Relationship Manager. Fill in all the details in the form, with the requisite documents, along with details of the bank account that has to be linked with your Investment Services account. The Account Opening Application Form has to be signed by the all the Bank Account holders. Submit this form to your RM or nearest branch.
Q: What if I want to repay the loan earlier than the due date
A: If you want to repay your loan earlier than the due date, feel free to do so.
Q: Can I give standing instructions to repay my Home Loan EMIs directly from my HDFC Bank Savings Account
A: Yes, you can opt for Automated Repayment and your EMIs will be directly repaid from your HDFC Bank Savings Account, thus saving you the trouble of procuring, signing and tracking post-dated cheques.
Q: How long will it take to process loan for Pre-owned Car Loans
A: Within 48 hours of completing documentation.
Q: What are Collection Solutions available
A: a. Cash Management Services - End-to-end solution to your payment and collection requirements through our Cash Management Services at extremely attractive rates - Consistently voted “Best Bank in Cash Management Services” - Cash management services are offered at over 2400 locations b. eCMS - Tailor made product offering for electronic collections - Ease of reconciliation for your business - STP credit with real time notification - Credit confirmation to the remitter - Integrated MIS offering – secure data transmission c. Payzapp for Business - Revolutionary invoicing solution by HDFC Bank which enables start-ups to request and receive payments on the go. - Ideal for all start-ups who need to collect Payment on delivery / Advance payment / Balance payment/ On-field collection. - Instant flow of cash in to your account d. Chillr - This is a revolutionary application which lets merchants request money from other Chillr users using the Collect feature. A QR Code/Alpha Code is generated which the sender has to scan to complete the payment. - Merchant can also view his transaction history
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.
Q: Is address proof a mandatory requirement (Basic Savings Bank Deposit Account - Salary)
A: Yes. address proof is mandatory
Q: Where can I use my EasyShop Gold Debit Card
A: Just look for the VISA logo when shopping, and if using an ATM check for the VISA/PLUS logo.
Q: What are the features that are available with HDFC Life Uday
A: The features available with HDFC Life Uday are : Easy Issuance on the basis of Declaration of Good Health (DOGH) Guaranteed Additions to boost your maturity value In-built Accidental Death Benefit in case of death due to an accident Auto-Cover Continuance even if you miss paying a premium
Q: Is an FIR necessary for a property damage claim under the Home Insurance policy
A: An FIR is mandatory in case of Malicious Damage, Riot and Strike, Terrorism, Burglary, Theft & Larceny claims.. However, it is not necessary in the case of floods, storms, earthquakes, lightning, subsidence or impact damage due to aircraft loss.
Q: Are there charges I should know about International Debit Card
A: Another benefit of the EasyShop Platinum Debit card is that there are absolutely no transaction charges to when shopping at a merchant location. Fuel surcharge levied at select BPCL petrol pumps will be reversed within 75 days from the date of levy of the surcharge. Just make sure your card is swiped at HDFC Bank’s terminal to avail petrol surcharge waiver. 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 should I do in case I am unable to access my Company's Current Account through Net Banking
A: If you are unable to access your company account, it may be because you have entered an incorrect Customer Identification Number (Cust ID) to log into your NetBanking Account. While opening Accounts of Companies, separate Customer IDs are created in name of the Company as well as each of the Authorized Signatory(ies). The latter is distinct and has to be used to access NetBanking for the Company's Account. However, we regret our inability to disclose the appropriate Customer ID on an unsecure e-mail and request you to contact our nearest Branch or PhoneBanking Center for this. For more details, Contact Us
Q: How do I register for Times Points
A: As a Times Points Debit Card holder you will be auto-registered for the Times points loyalty program. The registration will trigger an auto-generated mail to your bank registered email id. Please follow the simple steps (Section A): Please check for an email in your banks registered email inbox sent from Times Points. Please open the email and look for a link for setting up your password. The link will redirect you to www.timespoint.com website and ask you to set your password. Your profile will be completed and you can start earning Times Points for all your surfing and other activities If you are an existing member to Times Points 1) In case you have registered using your mobile number or different email id, you will be auto-registered for the Times points loyalty program with HDFC Bank registered email. Please follow the simple steps mentioned in Section A Kindly note, your existing Times Points account will remain as is and points earn with your existing ID will not be added to your new Times Points account In case you have registered for Times Points account using your same email id which is registered with HDFC bank, you do not need to do any further registration and you will continue to enjoy Times Points benefits
Q: Can the plan be offered under limited underwriting
A: The plan can be applied for by filing in the Short Medical Questionnaire (SMQ), which may not require you to go for medicals subject to prevailing underwriting conditions.
Q: How does this card work
A: Your HDFC Bank ForexPlus Platinum card will be activated with the required Euro / GBP and USD within 4 hours from the bank getting the clear funds from you. Once actived, 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 ForexPlus Platinum 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 ForexPlus card. HDFC Bank ForexPlus Platinum 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 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. View more
Q: How soon can I get the HDFC Bank Apollo Medical Benefits Card
A: HDFC Bank Apollo Medical Benefits Card will be available to you within 15 working days from the date of completion of formalities.