GhulamShabbirKhan/BankFAQs-Phi4 huggingface dataset:
Q: How to set Prepaid NetBanking Login User ID / Password for the first time
A: You may have received IPIN or Activation Code in the kit provided to you. The Activation Code will be printed on the card mailer below the card whereas the IPIN will be printed on the PIN mailer along with ATM PIN. The Activation Code / IPIN is required to set your NetBanking Password for your Multicurrency card for the first time. Following steps should be followed for setting NetBanking User ID / Password for the first time using Activation Code / IPIN: Visit HDFC Bank website and select Prepaid NetBanking Enter the Card Number in User ID/Card Number field and the Activation Code / IPIN (mentioned in the PIN mailer) in the Password field. Input User ID of your choice for future login purpose Select the secret question from a dropdown menu and provide the answer Mention the new Password and reconfirm the same With the new User Id and Password you can then login to access your card account
Q: What happens if premiums are not paid
A: In case the Policyholder has not paid the premium by the expiry of the grace period, he/she will have the following options: to revive the Policy within a period of 2 years from the date of discontinuance, or to completely withdraw from the Policy without any risk cover, or to convert the policy into paid-up policy (available only on discontinuance after completion of the 5 policy years) If you do not communicate to us on the above options, the following treatment will be applicable Discontinuance before completion of 5 years from commencement of the policy: Fund Value less applicable charges will be moved to ‘Discontinued Policy Fund (DPF)’.The proceeds from DPF will be paid out upon the completion of the lock-in period. Discontinuance on and after completion of the 5 years from commencement of the policy: Fund Value will be paid out to you. You have the option to revive a discontinued policy within two consecutive years from the date of discontinuance of the policy, subject to payment of all due & unpaid premiums and our underwriting policy.
Q: Can partial Payments be made on Recurring Deposits
A: Partial payments are not possible.
Q: What is the policy term available under the plan
A: Policy Term of 10 to 40 years is available under the plan.
Q: How much Foreign exchange can I load into the card
A: You can load the currencies as per the limits prescribed by FEMA guidelines.
Q: If I get a new card (reissue), will my Times point carry forward
A: Yes, your accumulated Times point will be carried forward to the new card.
Q: What is the difference between the Non-ASBA IPO process and the ASBA process
A: In the non-ASBA IPO process, the bid amount (application money) is debited from the Bank account once the bid application is successfully placed. Under the ASBA process, the amount is not debited from your Bank account until successful allotment. Until such allotment, the amount will remain blocked in your Bank account.
Q: How is My Reward Calculated
A: The Participating Rewarding Merchant contributes a reward that is calculated using the total purchase price, including taxes, less credits for returns or cancellations, for qualifying purchases.
Q: How much am I going to be charged yearly for Times Points Debit Card
A: The annual charges for Times Points Debit Card is Rs. 650/- +Taxes applicable.
Q: What are the Debit Card transaction fees if I swipe my card at Petrol pumps or Railway stations
A: The following are the transaction charges applicable when you use the Debit Card at: Petrol pumps: Rs. 10 or 2.5% of the transaction amount (whichever is greater). Railway Stations: Flat charge of Rs. 30 per ticket + 1.8% of the transaction amount. IRCTC: Transaction charge of 1.8% of the transaction amount Please note that there are no transaction fees applicable at other merchant locations. These charges attract a Service Tax and an Swachh Bharat Cess as applicable, in terms with the current Finance Bill. View more
Q: Can a Travel Insurance policy be extended
A: Extensions are applicable to original policies of 30 days or more and provided the policy is still in force.
Q: How can I get my address changed in my loan account
A: In order to change your address in our records, you may visit the nearest Retail Loan Service Center (Link to open )and submit the following documents: Request form for Address Change. Self Attested copy of your revised address proof along with the original address proof for validation. 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.
Q: Is sum assured a death benefit
A: Sum is assured for the vesting benefit. Death benefit is all the premiums paid till date @ 6.p.a. compounded.
Q: What are the transaction limits for Titanium Debit Card
A: The daily limits are Rs. 50,000 at the ATM and Rs. 1.75 lacs at merchant locations. This is subject to the balance in your account, and is for your account security.
Q: Can the policy be cancelled
A: The policy may be cancelled via request on Email/Fax. The intimation of cancellation has to reach us within 14 days of policy issuance. If the policy has already incepted, a copy of all 40 pages of the passport needs to be submitted as a proof that the journey has not been undertaken. Cancellation charges of Rs. 250/- shall be applicable and the balance shall be refunded.
Q: What is the maximum amount I can invest
A: There is no limit on maximum amount that you can invest under this plan, subject to underwriting.
Q: What are the documents required to open a Women's Savings Account
A: To open a Savings Account you have to: Submit your identity proof and address proof along with your latest passport size photographs Submit self-attested copies and originals for verification View more
Q: What is the minimum and maximum deductible in this plan
A: You can choose minimum of Rs. 2,00,000 and maximum of Rs. 5,00,000 aggregate deductible in this policy.
Q: Can I Login to Check My Account
A: You may check your accrued awards by logging in on the website or mobile app. However, please be aware that it generally takes up to 1-3 days for the points earned to reflect in your Thanks Again membership account and 2-3 weeks for your accrued awards to be posted to your member statement with your Participating Reward Provider.
Q: Who can be a beneficiary under the Accidental Protection Plan - Hospital Cash
A: A beneficiary can be any member of your family.
Q: Can I change my maturity/death benefit options during the policy term
A: No. You choose your maturity benefit option and death benefit option at policy inception and they cannot be changed during the policy term.
Q: How can a policyholder track the performance of a policy fund
A: You can also track the daily NAV of your funds on our website or check them in leading newspapers.
Q: What is Extra Life Option in the policy
A: You can opt for Extra life Option under Classic Benefit under the plan. In case of death due to accident during the term of the policy, an additional Sum Assured will be payable to the Nominee in addition to the Death Benefit under the Plan. Please refer to product brochure for further details and/or consult Relationship Manager.
Q: What is the difference between 3D Life and 3D Life Long Protection options
A: In addition to the benefits under 3D Life Option, Life Assured is covered for whole life under 3D Life Long Protection option. Premiums under this option have to be paid only till an age of 65.
Q: What are the key features of Payment gateway of HDFC bank
A: - Acceptance of online payments through cards/ NetBanking and IMPS - Value Added Services such as EMI (Easy Monthly Instalment), Standing Instructions (for recurring payment), IVR (Interactive Voice Response System), intelligent online reporting of success/failed transactions, dynamic routing across gateways to ensure best success rate, tokenisation etc - All the above on a plug & play model with simple documentation and T+1 settlement thereby enabling faster business go-live and better funds management - One of industry’s best risk monitoring capability - Dedicated in-house service team for all time support
Q: What is covered under Delay of Checked Baggage
A: This will reimburse the insured person on the cost of replacement of articles if the Checked-in Baggage or Personal Documents are delayed or misdirected.
Q: Will I be entitled to the same kind of benefits on this account as my Salary account
A: The features & benefits on the Reimbursement account are as follows: Click Here for features & benefits on the Reimbursement account.
Q: What documents do I need to submit when buying Insurance for my vehicle
A: All you need to submit is a signed proposal form, in certain cases you have to submit some additional documents, if required.
Q: What is the offer for Salary Account under Smartup programme
A: No minimum requirement of number of salary accounts and Average salary to be more than Rs. 25,000 - Zero Balance Salary Account ,Free payable at par cheque book -Platinum Debit Card with higher limits for cash withdrawal at ATMs and usage at shopping outlets - Corporate Microsite (Whenever applicable) – a customised webpage highlighting our offers for company’s employees at no cost. - Online investment and Loan facility. - Cashback of Re.1* for every Rs.100 spent at merchant outlets.
Q: How do I obtain a NOC from the bank if I have lost my Registration Certificate book for a vehicle under finance with HDFC Bank
A: You may obtain the NOC for a duplicate Registration Certificate book for your vehicle loan, by visiting any of our Retail Loan Service Center and submitting the following documents: Request form for applying for the required NOC. Self-attested copy of the Registration Certificate book, duly self-attested by you for validation. Copy of FIR or certificate from police or Acknowledgement from Police on written complaint with General Diary No. 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.
Q: What is the initial deposit amount required to open the Flexi Account
A: The initial deposit amount to open a Flexi Current account is Rs.75,000.
Q: Can the plan be offered under limited underwriting
A: The plan can be applied by filing in the Short Medical Questionnaire (SMQ), which may not require you to go for medicals.
Q: Who do I inform about change of name/address/status/signature, etc.
A: You should intimate your change of name/address/status/signature, etc. to any convenient PoS. You need to quote your PAN and submit proof (in case of a new address). You should provide at least 10 days for the change of address to take effect with all the Mutual Funds where you have investments. Please note that you should not write to the Mutual Fund or its Registrar for the change of address (unless as a designated PoS). The specified form can be obtained from the AMFI/Mutual Fund/CDSL website. All details of the holders in the Mutual Fund records will be replaced by the address details available in the CVL record.
Q: Can TDS be recovered from my principle of the FD
A: If the interest amount is not sufficient to recover TDS, the amount is taken from the principal of the deposit.
Q: What do I need to know about ISIC HDFC Bank ForexPlus Card
A: Embedded with a chip, this ForexPlus card offers you a convenient and secure way to carry your Forex. With the ISIC HDFC Bank ForexPlus card you can shop anywhere in the world.
Q: In what size and shape are the Mudra pure Gold Bars available
A: Mudra Pure Gold bars are available in rectangular form.
Q: How do I activate e-commerce on my card
A: Follow 2 simple steps: Step 1: Log on to Prepaid Card Net Banking. Step 2: Enable your e-commerce transaction facility to make purchases.
Q: Do I need a guarantor for Pre-owned Car Loans
A: No, but if your income does not meet our credit criteria, then you may be required to have a guarantor to stand surety for your loan.
Q: Are there extra charges NRO Debit Card
A: There are absolutely no transaction charges when using your card at a merchant location. Just remember that at petrol pumps and railways you will be charged as per industry practice.
Q: What are the documents required to open a salary account
A: To open a Salary Account you have to: Submit your identity proof and address proof along with your latest passport size photographs Proof of employment (Company ID Card / Appointment letter / Company Introduction through Introduction Letter OR attestation on Account opening form) Submit self-attested copies and originals for verification View more
Q: Can a non-traveller purchase ForexPlus Card
A: No. ForexPlus Cards can only be issued to travellers. A ForexPlus Card is valid for making payments in countries other India, Nepal and Bhutan whenever you are using your card you must be present at the place of transaction and have to sign the charge slips. As you are a non-traveller you cannot be present at the time of the transaction processing. Hence, ForexPlus Platinum Cards cannot be issued to non-travellers.
Q: Can I have a Super Saver Facility and a Sweep-in Facility on the one Fixed Deposit
A: This isn’t possible. You can only have one of these facilities on a single Fixed Deposit.
Q: How does a Salary Account help me get a personal loan
A: You get a preferential rate of interest and processing fee, speedy processing and minimal documentation if you have a Salary Account with HDFC Bank. This is taken into account at the time of disbursal of the loan. You can pay through a Standing Instruction to debit your HDFC Bank account with the EMI amount.
Q: Will HDFC Bank buy back the gold sold by them
A: HDFC Bank does not buy the gold sold by them.
Q: What should I do in the case of a void transaction Imperia Platinum Chip 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 if I don’t have sufficient balance in the wallet corresponding to currency of transaction
A: If the balance in your wallet corresponding to currency of transaction goes down then your Card checks for balances in the other currency wallets and transaction is processed by debiting the currency wallet with sufficient balance by converting the wallet currency into the currency of transaction. In this case currency conversion charges are applicable. Please note that in such a scenario entire transaction amount would be debited from currency wallet with sufficient balance.
Q: What are the tenure options
A: The choice is yours. You can choose from any of our repayment options - 12, 18, 24, 30, 36 or 48 months, all specially designed to suit your requirements.
Q: Can an investor give a COA (Change of Address) along with a redemption request
A: Redemption request is given to the investor service centre while the change of address (if KYC process has been previously completed) has to be given to a KRA. The change of address will be effected by CVL and informed to the Mutual Funds. As it will take 10 days for this process to be completed, the redemption transaction accompanied by a change of address request, is likely to be processed without effecting the change of address request.
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: Is there any protection cover in this plan
A: Yes. 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. The Sum Assured for your policy will be as follows: Single Premium 125% of Single Premium Regular & Limited Premium (Age at Entry <= 55 years) 10 x annualized premium Regular & Limited Premium (Age at Entry > 55 years) 7 x annualized premium
Q: What is Critical Illness Insurance
A: Critical Illness Insurance is a policy that pays out a lump sum amount up to the sum insured upon diagnosis of a critical illness covered under the policy.
Q: What is the difference between Income and Income Plus Option
A: On the death of the Life Assured under Income Option, 10% of the death benefit is paid as lump sum upon death and the remaining 90% of the death benefit shall be paid as monthly income over next 15 years. On the death of Life Assured under Income Plus Option, 100% of the death benefit is payable as a lump sum benefit and a monthly income of 0.5% of sum assured is paid for 10 years. Also in this option, there is an option to choose Level Income or Increasing Income.
Q: How do I make my premium payments
A: This is an annual policy, where the premium can be made via Credit Card or Cheque
Q: What is the Policy Term available in this plan
A: Capital Shield provides a Policy Term of 10 years.
Q: Can the value of the Card be topped up
A: Top-ups or reloads can be carried out in 2 ways a) You can authorize the Bank to debit your account by giving an HDFC Bank cheque, cash or a local cheque drawn on HDFC Bank to reload the Card. b) The Card can also be reloaded by another person, authorized by you to reload your Card. The authorized person will need to visit the HDFC Bank branch with the money and will need to provide the necessary documents to the bank. On receipt of the application form and the funds, your Card will be reloaded with the desired amount.
Q: Can I cancel/ modify my bid placed under ASBA during the bidding period
A: Yes, you can place a cancellation request or modify your order anytime during the bidding period. After successfully processing your cancellation request, the money will be unblocked in your bank account. For more information visit www.hdfcsec.com or get in touch through email on
Q: How long can I take to repay my personal loan
A: We offer flexible repayment options ranging from 12 to 60 months, depending on the customer’s profile.
Q: Do I need a co-applicant for the loan (Education Loans For Indian Education)
A: Yes a co applicant is required for all full time courses. Co-applicant could be Parent/ Guardian or Spouse/ Parent-in-law (if married)
Q: What are the fees & charges applicable
A: You may refer to the Fees & Charges option under the product Loan Against Property and Loan Against Rental Receivables.
Q: What is ISIC HDFC Bank ForexPlus card
A: ISIC HDFC Bank ForexPlus Card is a magnetic strip based prepaid card introduced in partnership with MasterCard International. The card offers you a convenient and secure way to carry forex. This card offers 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 ATMs and Merchant establishment worldwide. This card cannot be used for making payments in India, Nepal or Bhutan.
Q: What are benefits of Payzapp for business
A: Payzapp for business is arevolutionary 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. Benefits to Start-ups – - Instant flow of money to start-ups account - Convenient and Secure Money Transfer - No hassles of Cash Management
Q: What does 'Moratorium Period' mean (Education Loans For Indian 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 are the authorization scenarios
A: When the card holder performs a payment transaction, the debit would take place on the priority as per the grid provided belowScenario 1 - If the customer has local currency (depending on country of transaction) wallet with sufficient balance then the transaction will be processed using the balances on the local currency walletScenario 2 – If the local currency is part of the offered multiple currencies on the card but customer does not have sufficient balance in local currency wallet, however if the customer has sufficient balance (equivalent to local currency) on default currency wallet (EUR) then the transaction will be processed using the balances on the default currency wallet. Value from the default currency will be converted to local currency using cross currency conversion rate decided by the Bank. This rate will be calculated with a 2% markup on the IBR cross currency rateScenario 3 – If the local currency is part of the offered multiple currencies on the card but customer does not have sufficient balance in local currency wallet as well as default currency wallet (EUR) however if the customer has sufficient balance (equivalent to local currency) on any other currency wallet then the transaction will be processed using the balances from the respective currency wallet. The card will look for balances across all the currency wallets in following order of priority as decided by the Bank1. EUR2. GBP3. AUD4. CAD5. SGD6. AED7. JPY8. CHF9. SEK10. HKD11. THB12. ZAR13. NZD14. OMR15. DKK16. NOK17. SAR18. MYR19. KRW20. BHD21. QAR22. KWD23. USDValue from the respective currency will be converted to local currency using cross currency conversion rate decided by the Bank. This rate will be calculated with a 2% markup on the IBR cross currency rateScenario 4 - If the customer transacts in currency which is not offered on the card, the transaction will be processed by debiting default currency (EUR) wallet. Cross currency conversion would take place as per existing Visa / MasterCard rates (3%) applicable for single currency cards. In case the default currency wallet does not have sufficient balance then funds would be pulled from wallet with sufficient funds and converted to the default currency using Bank’s currency conversion rate. Partial transactions in different currency wallets are not allowed. If the customer does not have sufficient balance to process the transactions individually in any of the currency wallets, the transaction is declined even if the collective balances on the card across all currencies is sufficient to process the transaction
Q: Are there any specific exclusions under a Motor Policy
A: The following are not covered under a Motor Policy: Wear and Tear Mechanical or Electrical Breakdown, failure Depreciation, any consequential loss Driving under the influence of liquor or drugs Loss or damage attributable to war, mutiny, nuclear risks Any contractual liability View more
Q: Does HDFC SL offer Unit Linked plans within its entire range of Children’s Plans
A: Yes, the plan name is HDFC Young star super premium plan.