GhulamShabbirKhan/BankFAQs huggingface dataset:
cards 
 Can I use my Medical benefit card outside India 
 No. Medical Benefit card is INR prepaid card which can be used only in India.
loans 
 How do I apply for a Loan Against Rent Receivables (LARR) 
 You can apply for a Loan Against Rent Receivables in the following ways: Fill and submit in the Online Application Form and our representative will get in touch with you. Call on one of our PhoneBanking numbers provided on the website Visit your nearest HDFC Bank branch Our existing Liability customers may also get in touch with their Relationship Managers/ Personal Bankers to know more and apply for a LARR
insurance 
 What are the Medical test charges 
 Pre agreed charges for health check up with our network provider are Rs 1000/- and Rs.1200/- per person for SET1 & SET2 respectively. On acceptance of proposals, we will reimburse 50% of the expenses.
cards 
 In case the card is lost or stolen or misused where I can hotlist my card 
 Card can be hot listed by calling/writing to customer service centre at the phone number and/or email address listed on the back of your card.
cards 
 Can I change the ATM PIN 
 There is no ATM PIN applicable for the HDFC Bank eGiftPlus Card. Only an IPIN is required to use HDFC Bank eGiftPlus Card.
cards 
 How do I top up the value of the card 
 Loading and reloading is as per the corporate instructions. Request from cardholder for reloading the card cannot be accepted.
accounts 
 Is employment confirmation mandatory to open a Premium Salary Account 
 Yes, employment confirmation is required to ensure that you are an employee of the company.
loans 
 Can I repay my loan earlier than the due date 
 Yes you can repay your loan at any time during the loan tenure. However prepayment is not permitted within 6 months from loan disbursal date. For charge details, Click here
loans 
 How much loan can I avail of Business Loan 
 You can avail of a loan from Rs 50,000/- to Rs 50,00,000/- depending on your income, repayment capacity and respective location product cap.
accounts 
 Can I pay more than one instalment at a time 
 You can, but note that there will be no interest paid on any additional amount deposited, other than the installment due.
loans 
 If I don't have an account with HDFC Bank, can I still avail of Pre-owned Car Loans 
 Repayment is preferred from a HDFC Bank account. Having an account with HDFC Bank helps in better eligibility and approval rates.
cards 
 What are the benefits of Times Points Debit Card 
 Your Times Points Debit Card Offers 1. A Welcome benefits to choose one from a bouquet of upto 20 offers 2. You will be entitled to a one time offer of 500 bonus Times points. 3. You will provided with Great deals and discounts all throughout the year. 4. You will be able to redeem your Times points earned from your activities on TIL and Times Debit card Spends and avail attractive offers.
insurance 
 Is there any Loyalty Additions under the Plan 
 Yes. Loyalty additions (as percentage of the average fund value) will be added to the fund value every alternate year starting from the end of 11th policy year for limited and regular premium payment policies. For single premium policies, the Loyalty Additions will be 1.50% of the average fund value. The Loyalty Addition shall be payable at the end of every policy year from year 10 to 14 (both inclusive).Please refer to product brochure for more detailsand/or consult Relationship Manager.
loans 
 What are the Fees and Charges applicable 
 You may refer to the “Fees & Charges” option under the product “Loan against Rent Receivables”.
cards 
 Can I get a refund towards residual Forex on my return 
 After you return you can choose to cash out any residual foreign currency on your Card. The zero value or partially loaded card plastic can still be with you and you can reload it or use it till the validity of the card, which is 5 years.
insurance 
 What are the various HDFC ERGO Travel Insurance policies 
 HDFC ERGO provides coverage for Single Trip, Multiple Trip, Asia and a Family Floater Plan with various sums insured options to choose from.
loans 
 Do I have the option to structure my loan as partly fixed or partly floating 
 Yes, you can structure your HDFC Ltd. Home Loan as Partly Fixed or Partly Floating as per your needs.
accounts 
 Do I need to close my account when my kid attains majority 
 No, the existing account can be converted to a regular savings account. To convert the account the following will be required: AML section on the SB Regular AOF should be updated for the minor turned major Customers will also fill up the Kid’s Advantage account conversion form Identity Proof Address proof Photograph Proof of becoming major like Birth certificate, Passport etc
cards 
 Are there transaction limits for Business Debit Card 
 Subject to the balance in your account, the daily limits are Rs. 50,000 at ATMs and Rs. 1.75 lacs at merchant locations. These limits have been set for the security of your card.
insurance 
 I have other sources of income. Do I still need to plan for retirement 
 Diversification of income source is good. However, as you get older, you might not be able to work the way you can now. The other sources of income might not turn out to be as successful as they are today. Hence, it is prudent to plan for your retirement through a pension plan.
loans 
 How many times of my annual salary can I borrow with HDFC Bank Auto Loan 
 You can borrow up to 3 times your annual salary if you are a salaried professional and 6 times your annual income if you are a self-employed professional **. **This would also vary with higher loan value
security 
 What is the validity period of the OTP 
 OTP is valid for a period of only 3 minutes.
loans 
 Do I have an option to pay a skipped/ missed EMI for New Car Loans 
 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 .
investments 
 How do I buy Mutual Funds over the Net 
 To invest through NetBanking log onto www.hdfcbank.com.
insurance 
 What happens after the Home Insurance claim is registered 
 The surveyor contacts the customer in 48 hours. The claim form is sent to the customer’s correspondence address within 7 working days.
accounts 
 What can I do with the NEFT facility 
 You can use the NEFT facility to transfer funds from your HDFC Bank account to an account in another Bank at the locations as specified by RBI.
cards 
 Why is 2nd Level authentication made mandatory for all Card related online transactions 
 All online card transactions, as per RBI’s mandate, need to have a second level authentication when a transaction is made. Hence the cards need to be registered for Verified by Visa(VBV)or MasterCard Secure Code to complete an online transaction. A transaction can be carried out only on those websites that are Verified by Visa or MasterCard Secure Code enabled. Thus when you are making an online transaction on these websites you will be prompted to register for the service, if you have not registered till date. You can fill the required details and complete the transaction after registering. You can also register your card for Verified by Visa or MasterCard Secure Code here. View more
insurance 
 Does this plan offer tax benefits 
 Premiums paid by an individual or HUF under this plan are eligible for tax benefits under Section 80C of the Income Tax Act, 1961, subject to the conditions/ limits specified therein. Under Section 10 (10D) of the Income Tax Act, 1961, the benefits received from this policy are exempt from tax, subject to the conditions specified therein. Please note that the above mentioned benefits are as per the current tax rules. Your tax benefits may change if the tax rules are changed. You are requested to consult your tax advisor.
accounts 
 What is Smartup Solutions 
 A SMART solution for your StartUp. SmartUp is here to assist you in achieving your startup goals with smart financial tools, smart advisory services and technology.
insurance 
 What is the Death-Benefit under the plan 
 In case of the Life Assured’s unfortunate demise, the nominee will receive the benefit as defined below - Death Summary of Death Benefit Before attainment of age 60 years The nominee will receive the higher of the following Sum Assured (less all withdrawals except from the top-up fund value, made during the two year period immediately preceding the date of death) The total fund value. The policy will terminate thereafter and no more benefit will be payable. On or after attainment of age 60 years The nominee will receive the higher of the following Sum Assured (less all withdrawals except from the top-up fund value made after attainment of age 58) The total fund value. The policy will terminate thereafter and no more benefit will be payable.
cards 
 What should I do in the case of a void transaction for Womans Advantage Debit Card 
 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.
cards 
 What are the Terms and Conditions for the offers at my disposal 
 Please visit www.timespoints.com/debit for present offers and T&C.
loans 
 Do I need a co-applicant for the loan (Education Loans For Foreign Education) 
 Yes a co applicant is required for all full time courses. Here are a few points to be noted about co applicants: Primary Co-Applicants: Parents, Spouse, Siblings Secondary Co-Applicants: Father-In Law, Mother-In-Law, Brother-In-Law, Paternal / Maternal Uncle / Aunt View more
loans 
 Are there any additional charges for loan Pre-payment 
 You may refer to the Fees & Charges option under the product Loan Against Property and Loan Against Rental Receivables. All terms and conditions are at the Sole discretion of HDFC Bank Ltd. The bank reserves the right to change/ modify any of the above at any time.
accounts 
 What documents are required to open a senior citizen Super Saver Facility 
 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
loans 
 Will the loan be disbursed in favour of the Institute/college/university (Education Loans For Foreign Education) 
 Yes. The tuition and hostel fees (if any) will be disbursed directly to the educational institute as per the schedule and structure of fees given by them.
cards 
 How does this card work 
 Your HDFC Bank ForexPlus card will be activated with the required AUD / AED / CAD / CHF/ Euro / GBP / JPY / SGD 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 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 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
cards 
 What happens if my card is lost 
 In case your card gets lost or stolen, all you have to do is call HDFC Bank PhoneBanking immediately and report the loss of your card. This facility is available 24 hrs on all days. The card can also be hotlisted using our Prepaid card NetBanking facility on www.hdfcbank.com
accounts 
 What transactions are included as a part of the Free Anywhere Transactions limit for a month 
 The following transactions together comprise part of the Free Anywhere Transaction Limit: Cheques deposited into the account in other cities (in local clearing / within Bank) Inter-city payable-at-par cheques issued. Inter-city account to account funds transfers (Cheque Payments & Collections) within HDFC Bank Accounts. View more
loans 
 Can I repay the loan earlier for Business Loan 
 Yes, you can choose to repay your loan anytime after 6 months of taking the loan and after you have paid 06 EMIs along with applicable foreclosure charges. Please note Loan can be foreclosed by issuing a Demand draft / cheque at the branch; kindly note that cash beyond Rs. 49000/- will not be accepted for loan repayment against full closure/matured loan closure payment. Any payment above Rs. 49000/- should be made vide Account payee Cheque / Pay order /Demand draft.
investments 
 What is the procedure to close my Investment Service account 
 You will need to submit the Investment Service account closure form to your nearest branch for further processing. Kindly visit the following URL to access information for the complete address and contact details of our Branches as well as our PhoneBanking numbers.
investments 
 Can I revise the bid 
 Yes, you can revise your bid under the ASBA facility. In case of upward revision of bid, additional lien will be marked to the extent of the incremental amount. However, in case of downward revision, differential money blocked earlier will not be released. Such amount, if any, will be released after allotment.
cards 
 Can the ATM PIN be changed 
 No, the ATM PIN cannot be changed at the ATM. In case you have forgotten or lost the PIN, you will need to request for a new PIN with the help of PhoneBanking or thorugh Prepaid NetBanking.
cards 
 What is the maximum amount I can load on the HDFC Bank eGiftPlus Card 
 For HDFC Bank customers, Rs.50,000 For non-HDFC Bank customers, Rs.10,000 for each eGiftPlus Card.
accounts 
 When does the Bank issue a TDS Certificate 
 The TDS Certificate, Form 16A, for TDS deducted during a calendar quarter, will be issued in the next month of the respective quarter.
accounts 
 What is the minimum Average Monthly Balance required if I have a Merchant Advantage Current Account 
 You have to maintain a minimum Average Monthly Balance (AMB) of Rs. 25,000.
accounts 
 Is it necessary to open Max Current Account in each location where my company has an office 
 No. With your Max Current account you enjoy the advantage of single account with multi-location banking.
cards 
 What currencies are available 
 There are five currencies offered: Euro (EUR) Sterling Pound (GBP) US Dollar (USD) Thailand Baht (THB) HongKong Dollar (HKD)
security 
 What happens if I try to make a purchase at a merchant that doesn't participate in the Verified by Visa / MasterCard Securecode service 
 You will not be prompted to enter your for Verified by Visa / MasterCard Securecode password on these websites.By shopping at websites participating Verified by Visa / MasterCard Securecode merchants, you have the extra layer of security as the transactions are authenticated using your Verified by Visa / MasterCard Securecode password.
insurance 
 What is the min-max age at entry/maturity 
 Click here to view the min-max age at entry/maturity
insurance 
 What is the min-max age at entry/maturity 
 Minimum Maximum Policy Term (years) 10 10 Age at Entry Age (years) 14 55 Age at Maturity (years) NA 65 Premium Paying term 5 years
loans 
 Who can avail of HDFC Bank New Car Loans 
 We offer New Car Loans to the following: 1. Salaried individuals in the age group of 21 to 60 years (at the end of the tenure) 2. Self-employed individuals in the age group of 21 to 65 years (at the end of the tenure) 3. Partnership Firms 4. Public & Private Ltd. Companies 5. HUFs and Trusts View more
insurance 
 What if I don’t/miss to pay premiums 
 Premium(s) due on this policy should be paid on or before the premium due date. You are advised to pay the premium in time to continue enjoying the benefits of this policy. However, in case you are unable to do so, you have a grace period after the premium due date within which you can pay the due premium. Grace period available for annual frequency is 30 days whereas there is no grace period for one time/ single payment frequency. If you pay the due premium within grace period the policy will continue without any break. Following conditions will apply during grace period. The cover under the policy shall remain in-force during the grace period Should a valid claim arise under the policy during the grace period, but before the payment of due premium, HDFC Life shall still honour the claim. In such cases, the due and unpaid premium will be deducted from any benefit payable.
cards 
 What if I forget my Prepaid NetBanking login Password 
 If you have forgotten the Password, then the same can be changed by selecting the option of Forgot Password available on the Prepaid NetBanking login page.
insurance 
 What is meant by total loss under the Motor Insurance policy 
 Total loss means accidental damage to your vehicle where the cost of repair amounts to more than 75% of the IDV on your policy.
accounts 
 On what basis the Sweep-in facility gets triggered  
 Effective 22nd Feb 2014, Sweep in of funds from your Fixed Deposit (FD) to Saving/ Current account will trigger on Last in First out basis (LIFO).
investments 
 What is the block period for the investment 
 The block period for the investment of these two companies is 3 years.
loans 
 When will my SmartDraft limit be renewed 
 Based on your account performance and salary credits, your overdraft limit will be renewed after 12 months once the payment of the annual renewal fee is made.
insurance 
 Is there any Accidental Death Benefit in the policy 
 Yes. In case of death due to accident during the term of the policy, an additional benefit equal to 'Sum Assured on Death' is payable. This amount is payable provided the life assured is aged 18 years & above on the date of death.
cards 
 Can I use the DCC/ MCC option at the time of transaction 
 Whenever ForexPlus Chip 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 Chip 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.
cards 
 Can I load multiple currencies on one Regalia ForexPlus Card 
 No. Your Regalia ForexPlus Card can only be loaded in USD currency. As a feature of the card, no cross currency conversion charges will be levied for using the card in any currency other than USD. Your transaction value will get converted in USD currency @ rate applied by MasterCard. No additional cost will be levied.
accounts 
 Must I open an Merchant Advantage Current Account in each location where I have my company office 
 No. A Merchant Advantage Current Account gives you the advantage of a single account with multi-location banking.
insurance 
 Can HDFC Ergo Student Travel insurance suraksha policy be extended 
 The extension under the policy shall be provided subject to the following conditions: The original policy period has not expired The sum insured shall not be enhanced There is no claim during the original policy period Declaration of good health shall be provided by the insured Extension premium has to be paid before actual extension is affected The entire policy period along with Extension does not exceed 2 years Please note that extension on a policy can be availed only once during the risk period.
cards 
 What is HDFC Bank ForexPlus Chip card 
 HDFC Bank ForexPlus Chip card is a magnetic strip based prepaid card introduced in partnership with Visa / 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 Visa / Mastercard ATMs and Merchant establishment worldwide. This card cannot be used for making payments in India, Nepal or Bhutan.
insurance 
 What is a hospital/nursing home 
 A hospital/nursing home means an establishment which: is registered as such with a local authority and is under the supervision of a registered and qualified Medical Practitioner and operates for the reception, care and treatment of sick, ailing or injured persons as inpatients provides organized facilities for diagnosis and medical and surgical treatment at all times; and is not primarily a day clinic, rest or convalescent home or similar establishment and is not, other than incidentally, a place for the treatment of alcoholics or drug addicts or a rehabilitation centre;OR has a fully equipped operation theatre of its own wherever surgical operations are carried out provides nursing care and has a physician or a staff of physicians actually on the premises at all times at least 10 in-patient beds at all times View more
insurance 
 Can I renew my Motor policy online 
 Yes, you can renew your HDFC ERGO Motor Insurance policy online by using your Credit Card or bank account.
cards 
 What should I do in the case of a void transaction for Platinum Debit Card 
 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 .
insurance 
 What is the difference between Life and 3D Life options 
 In addition to the benefits under Life Option, you will receive an additional benefit of waiver of your future premiums upon diagnosis of Critical Illness under 3D Life option
loans 
 How do I obtain a NOC from the bank if my Registration Certificate is mutilated and  I wish to apply for a duplicate 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, 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.
insurance 
 What are the Plan Options available for this product 
 There are 3 plan options available in this product namely Silver, Gold and Platinum. The base benefit is applicable on all the 3 options. The increased benefit is applicable on Gold and Platinum options where as income benefit is applicable only on the Platinum option.
insurance 
 What is the Maturity Benefit under the plan 
 Fund Value on the prevailing on the date of Maturity will be paid to the policyholder.
investments 
 Can I cancel a transaction 
 No cancellations are allowed once transactions are placed.