GhulamShabbirKhan/BankFAQs-Phi4 huggingface dataset:
Q: Does this the Revive Policy for Personal Accident cover natural death and daily sickness
A: This policy only covers accidental death.
Q: How does this Card work
A: Your HDFC Bank Multi Currency ForexPlus Platinum Card will be activated and loaded with the Currencies as per your instructions. Once active, the card can be used at any International location across all currencies. (Usage of the card is not allowed in India, Nepal and Bhutan)
Q: What is the Assay Certification about
A: Mudra Pure Gold Bars come with an Assay certification, which signifies the highest level of purity as per international standards.
Q: What is the validity of the ISIC HDFC Bank ForexPlus Card
A: The ISIC ForexPlus card shall be valid for period for 1year.
Q: What will be the benefit to me if I apply for an IPO under ASBA
A: If you apply using the ASBA form you will get the following benefits: No loss of interest, since the application amount is not debited to the Savings Account on application The amount for which no shares have been allotted is available immediately on completion of allotment process. There is no need to wait for the amount to be refunded by the company Since the amount is available in the Account, it is considered for calculation of the Average Quarterly Balance (AQB) Simplified form filling process and you can apply online through NetBanking View more
Q: What documents are required to open a senior citizen 5 Year Tax Saving Fixed Deposit
A: While opening the account, the customer needs to provide proof of age establishing that he/she is a Senior Citizen. To accomplish this, either of the following can be submitted: Secondary School Leaving Certificate (10th Class) LIC Policy Voters Identity Card Pension Payment Order Birth Certificate issued by the competent authority Passport Defence ID Card / Govt ID Card (Provided they have the cardholder's photo, signature and date of birth) PSU Issued ID Cards Senior Citizen Cards issued by Indian Airlines / Indian Railways PAN Card View more
Q: What are the charges for the RTGS funds transfer service
A: Effective 15 November, 2010; RTGS transactions on NetBanking are charged as below : Rs. 2 lac to Rs. 5 lac - Rs. 25 (inclusive of taxes) per transaction Above Rs. 5 lac - Rs. 50 (inclusive of taxes) per transaction Note: RTGS transfers can be done for amounts exceeding Rs. 2,00,000 only whereas for NEFT there are no such amount restrictions.
Q: How can I earn Times Points
A: Welcome Benefit 500 Times Points will be gifted after you use the card to shop for the first times. Earn Times Points every time you shop. Get 2 Times Points for every Rs. 150 spent. Earn Times Points based on the activities on the Times Internet Limited digital pages. The list of Times Internet Limited digital properties are www.timesofindia.com, www.speakingtree.in, www.economictimes.com , www.itimes.com , www.maharashtratimes.com , www.eisamay.com , www.gaana.com , www.navgujratsamay.com , www.navbharattimes.com Please note, you need to be logged in to your Times Points account for earning Times Points while consuming, sharing & creating content on above listed websites.
Q: What should I do in case I am unable to access my Company's Current Account using NetBanking
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 View more
Q: Is there a load amount limit
A: Yes, a card balance cannot be more than Rs. 50,000 at any given point in time.
Q: Can I avail an Overdraft against my Property
A: A Loan Against Property can be availed as a Term Loan with EMI repayments or as a Drop line Overdraft Facility.
Q: Will HDFC Bank buy back the silver sold by them
A: HDFC Bank does not buy the silver sold by them.
Q: What is the cancellation procedure
A: The policy can be cancelled with a notice period of 30 days. The premium paid by you will be returned on a pro-rata basis or 25% of the annual premium, whichever is higher will be retained. Any cancellation request sent after 30 days of commencement of the policy will be refunded on a pro-rata basis.
Q: What is salvage and what happens to it
A: Salvage refers to discarded parts that are damaged beyond repair and need to be replaced. If these parts have no economic value (broken glass, torn plastic, rubber parts), they are thrown away. However, parts like doors, panels, petrol tanks, front forks, etc. do have a residual commercial value. To avoid recycling of such parts that may be repaired and sold as new, these need to be destroyed to prevent malpractices by unethical workshops.
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 ForexPlus 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: How does Verified by Visa/ MasterCard SecureCode work
A: Verified by Visa/ MasterCard SecureCode provides you with a Password/ SecureCode that protects your online transactions, just like the way you use your PIN at an ATM. All you need to do is follow the simple steps: Select the goods and services you want from the Verified by Visa (VBV) / SecureCode merchant site and proceed to the payment page. Enter your HDFC Bank Debit/ Credit Card number and the online store will connect with HDFC Bank to check whether your Card is secured with Verified by Visa/ MasterCard SecureCode. HDFC Bank initiates a Verified by Visa/ MasterCard SecureCode pop-up window on your computer screen that includes your Personal Assurance Message (PAM) or Personal Greeting message. Look for and confirm your PAM/ Personal Greeting then enter your password. HDFC Bank will then confirm your identity to the merchant. Your payment is authorized and your order is placed. View more
Q: Must I open Regular Current account in each location where I have my company office
A: No. As a Regular Current account holder you have the advantage of single account, multi-location banking.
Q: Who can purchase ForexPlus Platinum Card
A: ForexPlus Platinum card can only be used for making payments outside India except for Nepal & Bhutan. Whenever the cardholder is using his card he must be present at the place of transaction & need to sign the chargeslips. Thus, we issue ForexPlus Chip card to customers travelling abroad basis valid documentation proof.
Q: What is the requirement to avail of the InvestTrack facility
A: You need to have an existing Investment Services Account (ISA) or you need to open an ISA, without which you will not be registered under InvestTrack
Q: Who can purchase ForexPlus Card
A: ForexPlus card can only be used for making payments outside India except for Nepal & Bhutan. Whenever the cardholder is using his card he must be present at the place of transaction & need to sign the chargeslips. Thus, we issue ForexPlus card to customers travelling abroad basis valid documentation proof.
Q: Is there a usage limit
A: No upper limit for usage limit on Point of Sale transactions. Usage restricted to the available balance in card.
Q: Is there an age limit on the property for it to be insured
A: No there is no age limit to buy a home insurance policy.
Q: What are the plans available under this policy
A: You can insure yourself for Rs. 3 Lakhs, Rs. 4 Lakhs or Rs. 5 Lakhs. You can choose from any of the four plans mentioned below: 1 Adult 2 Adults 2 Adults and 1 Child 2 Adults and 2 Children The policy offers the option to cover on an individual sum insured basis or a family floater basis. View more
Q: How will HDFC Bank sell the silver
A: Initially, HDFC Bank will sell the silver through its branches.
Q: Can I reload my Card while I am abroad
A: You can reload the Card through a person appointed by you. The authorized person can reload the card by visiting any of the HDFC Bank branch.
Q: Will my accident policy cover me even if I am out of the country
A: Yes the accident policy will cover you even if you are out of the country. The sum insured will be paid to you in Indian Rupees in case of a claim i.e. the claim will be paid out in India only.
Q: What is the HDFC Bank Apollo Medical Benefits Card
A: It is an electronic Prepaid Card issued to corporate organizations for offering medical allowance/reimbursement to their employees.
Q: What do you mean by exclusions under the Revive Policy for Personal Accident
A: Exclusions are situations or conditions where in HDFC ERGO is not liable to pay the benefits to the insured person in the event of an accident.
Q: How can I avail exemption from TDS on interest earned on Fixed Deposits
A: To avail exemption from TDS on interest earned on Fixed Deposits, please submit a completed Form 15H (for Senior citizens) or Form 15G (for Regular customers) at any nearest HDFC Bank Branch (Form available on the website).
Q: Do I need to have HDFC Bank account to purchase the HDFC Bank ForexPlus Platinum card
A: No, you don't need to have an account with HDFC Bank to purchase the ForexPlus Chip card. You can just walk into any of our HDFC bank branches in India and purchase it over the counter on submission of relevant KYC documents.
Q: What are the premium paying frequencies that are available under this policy
A: The premium payment frequencies under this plan are Annual, Half yearly, Quarterly and Monthly or Single
Q: Why is HDFC Life C2P+ Extra Life Cover important
A: C2P Plus Extra Life Option, provides double the benefit in case of death due to accident.
Q: Can a non Traveller purchase ForexPlus Chip Card
A: No, ForexPlus Chip Card can only be issued to Travellers. ForexPlus Card is valid for making payments in countries other than India, Nepal & Bhutan. Whenever the cardholder is using his card he must be present at the place of transaction & need to sign the chargeslips. If the cardholder is a non - traveller he can not be present at the time of transaction processing, hence ForexPlus Chip Card can not be issued to a Non- traveller.
Q: How do I convert my existing portfolio of Mutual Fund units to an Online Mutual Fund portfolio
A: Currently, this facility is not available.
Q: What do I receive on Maturity
A: You will receive the Fund Value on maturity as a lump sum amount or you can choose to receive the same over a period of 5 years through Settlement Option.
Q: What is the HDFC Bank Contactless MulticurrencyForexPlus card
A: HDFC Bank Contactless Multicurrency ForexPluscard is an embedded chip based prepaid forex card introduced in partnership with VISA/MasterCard International. It is the first card to offer you the option of carrying upto 23 currencies simultaneously in a single card in a convenient and secure way. 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 VISA/MasterCard affiliated ATMs and merchant establishments worldwide. This card cannot be used for payments in India, Nepal or Bhutan.
Q: Will sum assured be used to calculate any benefits
A: Yes, guaranteed additions and vesting addition is a percentage of this sum assured on vesting
Q: What are the additional servicing charges
A: Rs. 250 per request on. Premium collection related services such as cheque pick-up/premium payment via outstation cheques/drop-box deposit. Cheque bounce/cancellation of cheque. Request for duplicate documents such as duplicate premium receipt, duplicate policy document. Cancellation/failure of ECS/SI due to an error at client’s end or fresh request of ECS / SI mandate initiated by client. Premiums paid via credit card, the company may charge up to 2% of installment premium depending on the credit card used
Q: What are the charges applicable for this plan
A: HDFC Life Click 2 Invest – ULIP offers a minimal charge structure as stated below: Premium Allocation Charge: Nil Policy Administration Charge: Nil Discontinuance Charge: Nil Fund Management Charge: 1.35% p.a. of the fund value, charged daily Mortality Charge: The amount of the charge taken each month depends on your age and level of cover In addition, only if you request for partial withdrawal, fund switch and premium redirection a charge of Rs 250 per request or a reduced charge of Rs 25 per request (if executed through the company’s web portal) will be charged. First 4 partial withdrawals, 4 fund switches and 4 premium redirections in a policy year are free.
Q: How will I receive the redemption amount
A: You can receive redemption amounts through a Direct Credit in your Savings Bank Account mentioned in Investment Services Account opening.
Q: How do I know if an ATM will accept my Multicurrency Card
A: Look out for the VISA logo.
Q: I'm not a traveller, can I still benefit from the ForexPlus Chip Card
A: The ForexPlus Chip Card is only for travellers, and cannot be issued to non-travellers
Q: Do I need to enter ‘#’ after keying in my Card number/ Card expiry date/ CVV number
A: Please listen to the recorded message and follow the instructions while entering your card details.
Q: When does the plan acquire Guaranteed Surrender value
A: The policy will acquire a Guaranteed Surrender Value (GSV) provided 2 full years’ premium has been paid for premium payment term of 8 years and 3 full years’ premium have been paid for premium payment term of 10 and 12 years.
Q: Is there any co-payment applied on this policy
A: All person(s) named covered under the policy above the age of 80 years (age last birthday) shall bear a co-pay of 10% for each and every claim.
Q: Can I use this account for regular cheque/ cash deposits & withdrawals
A: Yes, you can use it as a regular account for typical banking transactions.
Q: What is cumulative bonus
A: Cumulative bonus is an increase in the sum insured by a specified percentage of every claim free year subject to a certain maximum, provided that the policy is renewed without any break. Under the Health Suraksha policy, you can avail a 5% cumulative bonus for every claim free year upto 50% of SI..
Q: What is the maximum tenure to repay the Loan Against Property
A: A Loan Against Rent Receivables can be sanctioned for a minimum tenure of 12 months and a maximum tenure of 108 months. This however depends on the balance lease period and other parameters.
Q: Do I have an option to pay a skipped/ missed EMI for Pre-owned Car Loans
A: Yes, you can pay your missed EMI online. You need to provide your HDFC Bank Loan details, confirm payment towards HDFC Bank Loan account post which you will receive an online transaction confirmation and a Transaction Reference Number. The link for making HDFC Bank overdue loan repayment online is given below. https://www.billdesk.com/pgidsk/pgmerc/hdfcemi/index.jsp .
Q: When can we open pension accounts
A: You can open pension account 6 months prior to your date of retirement.
Q: Where can I use my EasyShop Platinum Debit Card
A: Just look for the Visa logo when shopping. If you'd like to use an ATM, it should have the Visa or PLUS logo. And remember, you can use your EasyShop Platinum Debit Card at all HDFC Bank ATMs just like a normal card.
Q: What happens in case of me wanting to surrender my policy
A: On request for surrender from you, the risk coverage will cease with immediate effect.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’ 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 of 5 years from commencement of the policy, your fund value will be paid to you. On surrender, no additional charges will be levied.Once any surrender payment has been made the policy terminates and no further benefits are payable.
Q: What is the minimum/maximum age at entry/maturity
A: Eligibility Criteria Minimum Maximum Age at Entry Age (years) 30 days * 45 Age at Maturity (years) 18 70 All ages mentioned above are age last birthday. * The minimum age at maturity should be 18 years.
Q: What are the benefits of having a Current/Saving Account for my Loan to Professionals
A: You get preferred Processing Fee, priority processing and simpler documentation if you have a Current/Saving Account with HDFC Bank. This is taken into account at the time of disbursal of the loan. You can pay through Standing Instructions to debit your HDFC Bank account with the EMI amount.
Q: How can I get an International Debit Card with my Basic Savings Bank Deposit Account - Farmers
A: You can get an International Debit Card only on request at the branch @ Rs. 100 p.a. (plus applicable taxes) for each applicant.
Q: What steps should I take to ensure that my VBV / MSC Password is strong and difficult to guess
A: Avoid using a password that is easy to guess, also avoid using a password that you have already used elsewhere. Password should be something that is easy for you to remember but difficult for anyone else to guess. Never share your password with others. You may even choose to change your password periodically.It is your responsibility to protect your VBV / MSC Password.
Q: When does the plan acquire Guaranteed Surrender value
A: The plan will acquire a Guaranteed Surrender Value provided 2 full years' premium has been paid for a premium paying term of 7 years 3 full years' premium has been paid for a premium paying term of 10 years
Q: What are the permissible Debits from an RFC Domestic Account
A: The funds in a Resident Foreign Currency Domestic Account opened or held or maintained shall be free from all restrictions regarding utilization of foreign currency balances, including any restriction on investment in any form, by whatever name called, outside India.
Q: If I have a query, do I need to visit the branch
A: Simply message ‘SMARTUP’ to 5676712 or send us a mail at [email protected] and our Relationship Manager will promptly get back to you & answer all your queries.
Q: Which documents are to be submitted with respect to the failed/ disputed transaction
A: The Debit Cardholder must submit the following documents along with the dully filled Cardholder Dispute Form (CDF). Transaction typeDocuments to attached Transaction declined but funds are debited from the account Void charge-slip OR email/letter from merchant confirming transaction not completed Amount debited but payment made through an alternate mode Proof of payment by alternate mode Excess amount debited Proof of actual amount authorized/agreed with the merchant Transaction cancelled but refund from merchant not credited / Damaged goods/ Quality of the product or services is not as agreed Cancellation confirmation from the merchant/ refund confirmation It is strongly recommended to check if the amount has already been credited /adjusted into your e-wallet / subscriber account in case of ecommerce transactions.
Q: Am I eligible for SmartDraft
A: Yes you are eligible for SmartDraft, if your salary account with us has regular salary credits and your company is on our approved list for overdraft facility. Also, your minimum net monthly income must be Rs. 15,000.
Q: What is the maximum value for which the Card can be used
A: There is no limit imposed on the usage of Platinum Multicurrency card. Customer's can withdraw/utilise any amount, upto the value loaded on Platinum Multicurrency 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: How much cash can I deposit per month in my home branch, without being charged
A: The free cash deposit limit at your home branch depends on the AMB you have maintained during the transaction month. This free limit is calculated as 10 times the actual AMB maintained during the transaction month or 50 transactions per month, whichever is less. In case you make more than 50 transactions or your cash deposits are more than 10 times your AMB at your home branch, you will have to pay a charge of Rs. 3 per Rs. 1,000, subject to a minimum of Rs. 50 (excluding taxes). If I maintainI get Monthly Free If I utilizeI am Charged Average Monthly Balance (AMB) in Rs. Home Location Cash Deposit in Rs. (Subject to maximum of 50 transactions) Actual Home Location Cash Deposit in Rs. Rs. (excluding 12.36% Service Tax & Education Cess) 50,000 5,00,000 7,50,000 1,750 (750 + 1000**) 75,000 7,50,000 11,00,000 1,050 1,00,000 10,00,000 9,50,000 Nil 2,21,103* 22,11,000* 20,00,000 Nil 3,00,000 30,00,000 37,00,000 2,100 5,00,000 50,00,000 45,00,000 Nil 10,00,000 1,00,00,000 60,00,000 Nil *The Home Location Cash Deposit Free limit is rounded off to the nearest thousand ** AMB non-maintenance charges View more
Q: Can I transfer my Current Account from one branch to another
A: Yes, Current Accounts can be transferred from one branch to another. However, there are certain restrictions. Please visit your nearest branch for details.
Q: How close does the ‘tap/ wave’ have to be to the reader
A: You need to touch the reader with the card or bring it close to the terminal screens (within 4 cms)
Q: If I have a home insurance policy with two different companies, will I benefit from both
A: If you have a policy with two insurance companies, at the time of the claim both insurance companies will pay on a proportionate basis.
Q: What are the documents required for opening a Current Account of Limited Liability Partnership
A: Following documents are required for opening a Current Account of Limited Liability Partnership: Incorporation Document, Limited Liability Partnership Agreement Certificate of Incorporation List of all existing Designated Partners of LLP along with Designated Partner Identification Number (DPIN) issued by the Central Government Resolution passed at the meeting of Designated Partners for the particular relationship, which the LLP plans to have with the bank KYC of Designated Partners/Authorised Signatories View more
Q: How can I avail of Global Customer Assistance Services (GCAS) for my Multicurrency Card
A: You can call the VISA call centre numbers to avail VISA’s Global Customer Assistance Services. You can find a countrywise list of GCAS numbers at http://www.visa-asia.com/ap/Subscription/gcas.jsp
Q: Can I do any free switch or premium redirection under the plan
A: Yes. You get 4 Free Fund Switch / Premium Redirection in a given policy year to create your own investment strategy. Please refer to product brochure for more details and/or consult Relationship Manager.
Q: How long will it take to process the loan
A: The loan gets processed within 48 hours of completing documentation.
Q: If I made an application through ASBA and money in my Savings Account is blocked, will I get interest for that period
A: Yes, interest will be payable on the blocked amount as per RBI guidelines.