GhulamShabbirKhan/BankFAQs huggingface dataset:
insurance 
 If the claim amount is 6 lakhs, how much will be paid by HDFC Ergo General Insurance 
 Whatever is over and above the threshold limit will be paid.
cards 
 Do I need to pay additional amount over and above Cash Withdrawal Charges levied by the HDFC Bank for ATM transaction 
 In certain countries ATM Service providers are authorized to charge surcharge/convenience fees from the cardholders for accessing the ATM to withdraw money. These charges are levied by the ATM service provider over and above the charges levied by the HDFC Bank, and HDFC Bank has no control over the charges as these charges are not levied by the bank. These charges are normally displayed to you during the transaction and you have an option to either proceed with the transaction or abort if the charges are not acceptable.
investments 
 I have sent in my application, what happens next 
 Your application will be processed and you will be informed once your application is accepted and all the required accounts are set up. In case your application is not processed because of lack of some details, our representative will contact you by mail.
accounts 
 Can a salary account have a joint applicant 
 Yes, parents, spouse, child or sibling can be a joint applicant to an account. The joint applicant will need to submit a valid photo ID and address proof.
loans 
 If I don't have an account with HDFC Bank, can I still avail of a New Car Loans 
 Repayment is preferred from a HDFC Bank account. Having an account with HDFC Bank helps in better eligibility and approval rates.
insurance 
 What do I get at the end of the policy term 
 At the end of your policy term i.e. at maturity, you will receive your Fund Value.
insurance 
 Where can I get a claim form for Travel Insurance 
 On registration of a claim, the claim form will be forwarded to you by mail, email or fax along with the intimation for the various documents required. The forms are also available on the website.
insurance 
 What is an Retirement Plan 
 Retirement Plans refer to insurance plans which aim to offer you income/ pension after retirement when you may not have any other adequate source of income.
accounts 
 What are the key features of CMS and eCMS of HDFC bank 
 a. CMS – - 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
accounts 
 What is the Sweep-in facility all about 
 The Sweep-In facility is a cluster deposit (held in units of Re.1). We will automatically break units of term deposits held by you, if there are insufficient funds in your Sweep-In Savings/Current Account to clear a cheque. The same will happen when you wish to withdraw money using your ATM Card and there are insufficient funds in the account. For more information on the Sweep-In facility, please click here. View more
insurance 
 What is HDFC Life Easy Health Plan 
 HDFC Life Easy Health is a fixed benefit, health insurance plan that provides coverage against Critical Illnesses, specified Surgeries and also provides Daily Hospital Cash Benefit in case of hospitalization. This cover will be available for a period of 5 years.
security 
 In what transactions is the One Time Password (IVR Password ) process applicable 
 The IVR Password process is applicable only for Credit Cards for: Registration through HDFC Bank website Registration during online shopping Password re-set through website Password re-set while shopping online View more
investments 
 Is there a minimum transaction amount for each scheme 
 As decided by the fund, there is a minimum transaction amount indicated against each scheme. You will get to see the minimum transaction amount in the Purchase screen after you select the Name of the scheme from the drop down menu.
insurance 
 Is there any Surrender benefit under this product 
 There is no surrender value available under this plan for regular pay. Under single pay, only if all the options chosen by the policyholder are surrendered and no claims are made, the policy can be surrendered. The surrender value would be calculated as following: 70% x Single Premium x(1- M/P ) Where, M : policy month of surrender P : policy term in months
loans 
 What are the documents required to avail of the Loan Against Property 
 For Salaried Individuals Proof of Residence - Any one of Ration Card / Telephone Bill / Electricity Bill / Voters Card. Proof of Identity - Any one of Voters Card / Drivers License / Employers Card. Latest Bank Statement / Passbook (where salary / income is credited for past 6 months). Latest 6 Months Salary Slip with all deductions and last 2 years Form 16. Copies of all Property Documents. For Self-Employed Individuals Certified Financial Statement for the last 2 years. Proof of Residence - Any one of Ration Card / Telephone Bill / Electricity Bill / Voters Card. Proof of Identity - Any one of Voters Card / Drivers License / Employers Card. Latest Bank Statement / Passbook (where salary / income is credited for past 6 months). Copies of all Property Documents. View more
security 
 How should I get the IVR Password  if I hold an add-on card 
 An IVR password can be requested only from the registered mobile number and will be sent to the registered mobile number / email ID of the primary card holder only.
investments 
 What form is silver being sold in 
 Mudra - Pure silver will be sold in the form of rectangular bars.
insurance 
 Can I buy more than one policy 
 You can buy more than one policy subject to successful underwriting
loans 
 What are the tenure options available 
 The choice is yours. You can choose any repayment option from 12 to 84 months all specially designed to suit your requirements.
cards 
 How soon can the card be used after it is purchased 
 Your card will be activated & loaded with required currency within 4 hours from the bank having received clear funds from you. The card will be ready for use post activation.
accounts 
 What is the procedure to add/modify or delete a nominee for all my accounts and deposits 
 To add/modify or delete a nominee you will need to fill the nomination form and submit it to your nearest branch. The branch will assist you after the form has been submitted by you.For more details, Contact Us
insurance 
 When does my policy acquire a Guaranteed Surrender Value (GSV) 
 It is advisable to continue your policy in order to enjoy full benefits of your policy. However, we understand that in certain circumstances you may want to surrender your policy.The policy will acquire a Guaranteed Surrender Value (GSV) provided 2 full years’ premium has been paid for premium payment term of less than 10 years and 3 full years’ premium have been paid for premium payment term of 10 years and above.The GSV shall be the aggregate of: Percentage of total premiums paid Percentage of accrued bonuses & accrued guaranteed additions Premiums will exclude any underwriting extra premiums and any taxes paid For details on GSV percentage (factors), please refer to the Product Brochure.
cards 
 How do i get my card reissued post the expiry of the ISIC ForexPlus Chip Card 
 You simply need to walk into our HDFC Bank branch with the required documentation and walk out with new ISIC ForexPlus Chip card. The new card issued to you will get activated within 4 hours and the available funds in expired card will be get automatically transferred to the new card.
investments 
 In what form are these bonds issued 
 Bonds are issued in the form of a Bond Ledger Account in denominations of Rs. 1000.
loans 
 How can I change the mode of repayment/ account for my loan 
 In the event that you wish to change the mode of repayment/bank account for your loan repayment, you may visit the nearest the 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
cards 
 When will I get my Enrollment Benefits on the JetPrivilege – HDFC Bank World Debit Card 
 Your Rs. 750/- discount voucher code will be sent to you to your registered email ID within 7 days of payment of annual fee for your Debit Card.
loans 
 How can I get my address changed in my loan account 
 In order to change your address in our records, you may visit the nearest Retail Loan Service Center 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.
cards 
 Where I can view my card balance and card history 
 Card balance and card history can be viewed at www.hdfcbank.com after due login or can be accessed by calling/writing to customer service centre at the phone number and/or E-mail address listed on the back of your card.
insurance 
 What are the factors to consider while buying a Children’s Plan 
 Consider the inflated costs of a normal educational course or any other requirements that your child might have in the future. This should be your targeted savings amount, which you would want to receive when the policy matures. Ideally, the term you should choose for the plan is when your child is in a position to require the money. Thereafter, you need to sit with your Relationship Manager to work out the amount to be invested and the level of protection required.
loans 
 Which documents should I carry at the time of visiting HDFC bank 
 You need to carry an Agreement Number, Self-attested Identification Proof containing your signature to avail of any information / deliverable along with a written request and produce the documents at the Customer Service Desk. If you want to change your address / contact details, you need to submit an address change request along with a Self-attested copy of your revised address proof. The Request form for Address Change is available on the Form Centre of HDFC Bank website. View more
insurance 
 What are the different classes of vehicles which can be insured by HDFC ERGO 
 We can provide both Comprehensive and Liability Only Policies for all classes of vehicles mentioned below: Private Car Two Wheelers Commercial Vehicles Goods Carrying Vehicles (GCV) Trailers Passenger Carrying Vehicles (PCV) Miscellaneous and Special Types of Vehicles
cards 
 Can I redeem my reward points abroad 
 No. You cannot redeem ‘Thanks Again’ reward point abroad. You need to redeem the same within options available in India only.
accounts 
 I’m part of a Trust – can I open a Super Saver Account 
 Only Resident Individuals and Hindu Undivided Families are eligible to open a Super Saver Account.
insurance 
 Are all Health Suraksha policy holders eligible for a health card 
 Yes, all policy holders are eligible for a health card as it is an important component of the policy.
accounts 
 What are the implications of booking an FD without PAN 
 In the absence of PAN, following are the implications for customers: TDS will be recovered at 20%(as against 10%) NO TDS credit from the Income Tax department NO TDS certificate will be issued (As per CBDT circular no:03/11) Form 15G/H and other exemption certificates will be invalid and penal TDS will apply View more
loans 
 Which all locations HDFC Bank Consumer Durable Loan is available currently 
 Mumbai, Delhi, Bangalore, Chennai, Pune, Hyderabad, Jaipur, Chandigarh, Cochin, Ahmedabad and Kolkatta
insurance 
 What do you mean by exclusions 
 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.
insurance 
 Can I take monthly payouts instead of annual payouts 
 Yes.The policyholder shall have an option to receive the survival benefits (other than the final payout, payable on maturity) in monthly installments. If so opted for, the monthly survival benefit shall be: 8.5% of the annual survival payout, payable over a period of 12 months, with the first installment being paid on the policy anniversary on which annual survival payout falls due
insurance 
 Do I need to undergo medical test for buying this policy 
 You are not required to undergo any medical tests up to the age of 55 years, except if you have declared any pre-existing diseases or ailments at the time of applying for the policy. In such cases and for applicants above age 55 years, one has to undergo the specified medical tests.
fundstransfer 
 Can I use e-Monies NEFT for foreign remittances 
 This is a service designed only for remitting Indian Rupees within India.
insurance 
 What is the Death-Benefit under the plan 
 On death of the life assured, provided all due premiums are paid, the company would pay the higher of the following Sum Assured 10 times annualised premium 105% of the premiums* paid (Premiums are excluding any taxes paid on the premium or any extra premiums) plus accrued bonuses, if any, to the nominee.
cards 
 What services can I avail on GCAS 
 You can avail following services Through GCAS Emergency Card Replacement Emergency Cash Disbursement Cardholder Inquiry Service Lost and Stolen Card Reporting Emergency Legal Assistance Emergency Medical Assistance Emergency Message service Emergency Ticket Replacement Assistance Emergency Translation Service Lost Luggage Assistance Note: Visa Charges are applicable
accounts 
 Can I use my existing Salary Account if I have changed employers  
 Yes, In case an arrangement exists, we request you to visit the nearest branch along with a letter or an e-mail received from the official Corporate email ID. The letter / e-mail should have your complete name and account number and state that you have joined the corporate.
investments 
 What is the tenure of the 8% Savings (Taxable) Bonds 
 The tenure of the bond is 6 years from the date of issue. No interest will accrue after the maturity of the bond.
accounts 
 For what period can I open a Recurring Deposit 
 You can open a Recurring Deposit account for a minimum period of 6 months, and thereafter in multiples of 3 months up to a maximum period of 10 years.
insurance 
 What is the definition of a dependent child 
 Dependent child means an unmarried dependent child residing with the insured person between the age of 3 months and up to 18 years or up to the age of 21 if in full time education.
insurance 
 Can I buy more than one policy 
 You can buy more than one policy subject to successful underwriting.
accounts 
 What are benefits of Smartup Solutions 
 A suitable choice of Current Account for your business and transaction needs - Alliances for your Start-up - Advisory Services - Co-working Spaces - Logistics - Public Relations - Digital Marketing services - Content Writing Smart-Buy -Accelerate your business with the right marketing channel at the right time. Get access to 37 million potential customers to accelerate your growth. Smart-Up Portal - Meet other start-ups, customers, mentors, investors all by simply registering for the Smart-Up Program Digital & Cash Management Solutions Forex Advisory
investments 
 If I am a NRE/NRO customer, can I apply for ASBA 
 Yes, you can apply through a physical application; however, you CANNOT currently apply through ASBA on NetBanking.
cards 
 Can I load multiple currencies on one Multicurrency Platinum ForexPlus Chip card 
 Yes, you can carry more than one currency on your Multicurrency card. Only HDFC Bank Multicurrency Platinum ForexPlus Chip card gives you the power of carrying multiple currencies on just one card. So now forget to apply for a new card every time you visit a different country.
insurance 
 What do you mean by pre-existing diseases not covered under the Critical Illness plan 
 A pre-existing disease is any condition, ailment, injury or related condition for which the insured person had signs or symptoms and/or was diagnosed and/or received medical advice or treatment prior to the first policy with the company
cards 
 What currencies are available 
 There are ten currencies offered: Australian Dollar (AUD) Dirhams (AED) Canadian Dollar (CAD) Euro (EUR) Japanese Yen (JPY) Singapore Dollars (SGD) Sterling Pound (GBP) Swedish Krona (SEK) Swiss Franc (CHF) US Dollar (USD) View more
loans 
 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 
 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. View more
loans 
 What are the special privileges that HDFC Bank customers can avail of 
 If you are an HDFC Bank account holder, we have special rates of interest for you. If you have a Preferred Account or a Corporate Salary Account with HDFC Bank for more than 6 months, you can get fast approvals on your loans with minimal documentation. If you are an HDFC Bank Car Loan customer with a clear repayment of 12 months or more we can Top-Up your car loan to the extent of the original loan value.
insurance 
 What are Tax Benefits 
 As per prevailing income tax laws, HDFC Life Health Assure Plan is eligible for Tax Benefits u/s 80D of Income Tax Act.
insurance 
 When does the plan acquire Guaranteed Surrender value 
 The policy will acquire a Guaranteed Surrender Value (GSV) provided 2 full years’ premium has been paid for premium payment term of 7 years and 3 full years’ premium have been paid for premium payment term of 10 years or more.
cards 
 What do I do if I have an issue related to the product using Times points from portal/link 
 If there is any issue with the product purchased using Times points, we would request you to write to [email protected] Additionally you can always write to for any problem related to Times Points Debit Card. You are requested to mention your registered email id/ registered mobile no to identify yourself while writing to us to track your issue and resolve the same.
accounts 
 When is TDS deducted for Regular Fixed Deposit 
 TDS is deducted every time the Bank pays/re-invests interest during the Financial year.In addition TDS is also deducted on interest accrued(but not yet paid) at the end of financial year viz. 31st March.
security 
 What is a Personal Assurance Message or Personal Greeting 
 When you register for Verified by Visa/ MasterCard SecureCode, you are asked to create a Personal Assurance Message/ Personal Greeting. So when you pay online, always look for your Personal Assurance Message/ Personal Message to ensure that HDFC Bank is authenticating you. View more
loans 
 What are the documents required to avail of the Loans Against Rental Receivables 
 Proof of Residence - Any one of Ration Card / Telephone Bill / Electricity Bill / Voters Card. Proof of Identity - Any one of Voters Card / Drivers License / Employers Card. Latest Bank Statement / Passbook (where rentals are credited for past 12 months). Copy of current Lease Agreement Copies of all Property Documents.
loans 
 Is a guarantor required 
 You will require a guarantor in all cases except certain segments where you have offered agricultural land as additional collateral.
security 
 I suspect someone has stolen my password or used it to make fraudulent purchases. What should I do 
 If you suspect any fraudulent activities, contact HDFC Bank immediately at your nearest customer Call Centre (for Credit Cards) or PhoneBanking Centre (for Debit Cards) and report the loss.
insurance 
 Are there any exclusions in this plan 
 In case of death due to suicide within 12 months from the date of inception of the policy or from the date of the revival of the policy, the nominee or beneficiary of the policyholder shall be entitled to the fund value, as available on the date of death. Any charges recovered subsequent to the date of death shall be paid back to the nominee or beneficiary along with the death benefit.
accounts 
 Can I access my account by telephone to conduct routine daily transactions 
 Yes you can. You can use PhoneBanking to perform the following operations: - Access your account details - Request account statements - Make Fixed Deposit related queries - Inquire about interest and FX rates - Request a cash delivery or pick-up - Order a new cheque book
accounts 
 Is an overdraft facility allowed 
 Right now there is no overdraft facility for Recurring Deposits.