GhulamShabbirKhan/BankFAQs huggingface dataset:
accounts 
 Can my Sweep-in facility have multiple deposits 
 You can definitely link more than one deposit to the Sweep-in facility. When you link more than one deposit to the facility, then the first deposit to be used will be the deposit which you opened last.
investments 
 Who can avail of the InvestTrack facility 
 The InvestTrack facility is available exclusively to our Imperia, Preferred and Classic customers.
loans 
 Do I get statements for my account 
 Monthly statements of accounts are sent to you. The facility of email statement of accounts is also available.
insurance 
 What do you mean by pre-existing diseases 
 Any condition, ailment, injury of related condition(s) for which the insured person has had signs or symptoms and/or was diagnosed and/or has received medical advice/treatment within 48 months prior to the insured’s first policy with the company.
loans 
 How much finance can I avail of on Loan against Car 
 You can avail finance of up to 100% of original loan amount for a vehicle of 9 - 42 months vintage.
accounts 
 Is a nomination facility available for lockers 
 Yes, a nomination facility is available to Individuals /Joint hirers of Safe Deposit Lockers.
cards 
 What should I do in the case of a void transaction for Titanium 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.
loans 
 What are the charges I have to pay to change the mode of repayment/ account for my loan 
 A service charge of Rs.500 is applicable for changes in loan repayment instructions issued from non-HDFC Bank Account (ACHStands for Automated Clearing House. It is a mode by which funds are automatically debited to your account every month to pay or a certain bill or fee. It helps so you don’t have to remember every month to pay your regular bills. It is only done after a standing instruction is given by the account holder. or PDC facility). A cheque/payorder/demand draft for Rs. 500 favouring “HDFC Bank Ltd Loan Account No. << >>” will be required along with the revised set of repayment instructions
cards 
 I am already registered for Times Points program; what happens to my existing Times Points ID if I apply for Times point debit card 
 If the e-mail address in your existing times point account, and the one given to HDFC Bank is same, then all the Times Points earned through debit card transactions will be credited to existing Times Point account. In case of different e-mail addresses, a new Times Point account will be registered using the e-mail ID given to HDFC bank.
insurance 
 What do you mean by exclusions under the Accidental Protection Plan - Hospital Cash 
 Exclusions are situations or conditions where HDFC ERGO is not liable to pay the benefits to the insured person in the event of an accident.
investments 
 How is online investing more convenient 
 1. No filling of multiple application forms 2. Only a one time registration agreement to be signed and submitted 3. Paperless method to invest in Mutual Funds 4. No application forms, No Cheques, No Documents required for any transaction 5. Direct Credits to your bank account for Redemptions and Dividend proceeds 6. View online Mutual Fund holdings on NetBanking
insurance 
 When do I have to submit a medical exam 
 Any insured with an adverse medical history has to submit medical reports irrespective of the trip band.
insurance 
 When does my policy start 
 This will be commenced within 15 days from the date of receipt of form & premium payment
cards 
 What is the time frame to resolve Domestic ATM transaction disputes 
 7 working days from receipt of the dispute.
accounts 
 What should I do in case I am unable to access my Company's Current Account 
 If you are unable to access your company’s Current 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 the name of the Company as well as each of the Authorized Signatory(ies). The Authorised Signatory(ies) is distinct and has to be used to access NetBanking for the Company’s Account. For more details, Contact Us
accounts 
 Does any change or enhancement in my deposit portfolio affect TDS liability 
 Yes. If the change or enhancement in your deposit portfolio earns a cumulative interest along with that of the earlier portfolio greater than Rs. 10,000/- you will be liable for TDS on your current portfolio. Note: If interest on the current portfolio is not sufficient to cover TDS, it will be recovered from the principal.
cards 
 Are there transaction limits for Gold Debit Card 
 Subject to the balance in your account, the daily limits are Rs. 50,000 at ATMs and Rs. 2.75 lacs at merchant locations. These limits have been set for the security of your card.
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 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
security 
 Can I generate multiple IVR Passwords 
 No, only one IVR password can be generated at a time. Only when the first one is used / expires, can the next IVR password be generated.
loans 
 What does 'Moratorium period' mean (Education Loans For Foreign Education) 
 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.
insurance 
 What is the maximum age limit for buying this Plan 
 The maximum age allowed at entry is 70 years of age.
accounts 
 Can I get a  Debit Card linked to my Institutional Savings Account 
 Yes. Business Debit Cards are issued to Authorised Signatories in the account. This is done provided the mode of operation is ‘Singly’ OR ‘Either or Survivor’ and the operating instructions allow the signatory to sign for amounts above Rs. 1.25 lakh. This is because the combined - ATM & POS - per day limit on the Business Debit Card is Rs.1.25 lakh.
accounts 
 Any minimum Balance need to be maintained in the account 
 No minimum balance need to be maintained as these are Zero balance accounts.
cards 
 Can I load Forex card by making payment in Cash 
 No, Forex card can not be loaded against payment of cash. In case existing bank customer need to load his/her forex card by making payment in Cash then, the customer need to deposit cash in his/her account and then issue cheque or debit instruction to load the card.
investments 
 How do I know my application has been accepted 
 You can check your account opening status on www.hdfcsec.com on the footer page of the homepage section page under the Application status.
insurance 
 What is the exclusion in the plan 
 In case of death due to suicide, within 12 months; From the date of inception of the policy, the nominee of the policyholder shall be entitled to 80% of the premiums paid, provided the policy is in-force From the date of revival of the policy, the nominee of the policyholder shall be entitled to the amount which is higher of 80% of the premiums paid till date of death or the surrender value as available on the date of death.
cards 
 Do I need to activate Multicurrency Platinum ForexPlus Chip card for Ecommerce transactions 
 You Multicurrency card is pre-activated to perform Ecommerce transactions once your card is loaded with the Forex currency required.
cards 
 Do I need to have HDFC Bank account to purchase the Hajj Umrah ForexPlus Card 
 You can just walk into any of our HDFC bank branches in India and purchase it over the counter after submission of necessary documents.
loans 
 How frequently will my portfolio be re-valued 
 We generally do that on a weekly basis, unless there is a sudden fall in the market prices. In that case, we can conduct an Interim revaluation.
cards 
 Will I get notification about the expiry of my Times points 
 Yes, you will be notified through email on the expiry of your Times points. The emails notification will be sent to you from Times Internet Limited (TIL).
insurance 
 What is the Death Benefit under the plan 
 On death of the life assured during the term of the policy, provided all due premiums are paid; the nominee will receive the higher of the following: Sum Assured on Death + Accrued Reversionary Bonuses + Interim Bonus (if any) + Terminal Bonus (if any) 105% of premiums# paid till dateWhere, the Sum Assured on Death shall be the higher of: Sum Assured on Maturity 10 times Annualised Premium# for entry age up to 50 years and 7 times Annualised Premium# for entry age greater than 50 years #excludes any underwriting extra premiums, modal loadings and any taxes paid On death of the life assured during the payout period, the Death Benefit payable shall not be reduced by the survival benefits already paid. On payment of the Death Benefit during the policy term, the policy will terminate and no future payouts will be payable.
cards 
 What is the maximum value for which the Card can be used 
 There is no limit imposed on the usage of ForexPlus card. Customer's can withdraw/utilise any amount, upto the value loaded on 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.
cards 
 Can I issue cheques to load the Hajj Umrah ForexPlus Card 
 Customer can load Hajj Umrah ForexPlus card by issuance of cheque against the amount to be loaded. However, cards will be loaded post realisation of the cheque deposited by the customer. The exchange rate applicable will be for the day on which funds are realized and card is activated.
security 
 Can I use the same IVR Password  to perform multiple transactions 
 No, each IVR password can be used only for a maximum of 3 attempts (including decline attempts) within the specified validity period. For further transaction attempts, a new IVR password must be generated.
investments 
 Which Mutual Funds are ISA enabled 
 List of Mutual Funds ISA AIG Mutual Fund OD Addendum Fact Sheet Axis Mutual Fund OD Addendum Fact Sheet Bharti AXA Mutual Fund OD Addendum Fact Sheet Birla Mutual Fund OD Addendum Fact Sheet Canara Robeco Mutual Fund Fund OD Addendum Fact Sheet Deutsche Mutual Fund OD Addendum Fact Sheet DSP BlackRock Mutual Fund OD Addendum Fact Sheet Edelweiss Mutual Fund OD Addendum Fact Sheet Fidelity Mutual Fund OD Addendum Fact Sheet Franklin Templeton Mutual Fund OD Addendum Fact Sheet HDFC Mutual Fund OD Addendum Fact Sheet HSBC Mutual Fund OD Addendum Fact Sheet ICICI Prudential Mutual fund OD Addendum Fact Sheet IDFC Mutual Fund OD Addendum Fact Sheet ING Mutual Fund OD Addendum Fact Sheet JM Mutual Fund OD Addendum Fact Sheet JP Morgan Mutual Fund OD Addendum Fact Sheet Kotak Mutual Fund OD Addendum Fact Sheet L & T Mutual Fund OD Addendum Fact Sheet Mirae Asset OD Addendum Fact Sheet Morgan Stanley Mutual Fund OD Addendum Fact Sheet Reliance Mutual Fund OD Addendum Fact Sheet Religare Mutual Fund OD Addendum Fact Sheet SBI Mutual Fund OD Addendum Fact Sheet Sundaram Mutual Fund OD Addendum Fact Sheet TATA Mutual fund OD Addendum Fact Sheet UTI Mutual Fund OD Addendum Fact Sheet BNP Paribas Mutual Fund OD Addendum Fact Sheet Pramerica Mutual Fund OD Addendum Fact Sheet View more
cards 
 Which Rewarding Merchants participate 
 You will have access to thousands of Participating Rewarding Merchants located throughout North America. To locate a Participating Rewarding Merchant near you, please use our online locator. If you don’t find a Participating Rewarding Merchant location near you, be sure to check back frequently as we are always adding new merchants to the program.
investments 
 Is any additional documentation required for availing the ASBA facility 
 No further physical documentation is required to avail of this facility.
cards 
 What should  I do and whom to contact 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
insurance 
 What are the benefits under  the Critical Illness - Platinum Plan 
 The company will pay the sum insured as a lump sum on the first diagnosis of any one of the following critical illnesses, provided that the insured person survives a period of 30 days from the date of the first diagnosis. The following critical illnesses are covered under our plan: Heart Attack (Myocardial Infarction ) Coronary Artery Bypass Surgery Stroke Cancer Kidney Failure Major Organ Transplant Multiple Sclerosis Paralysis View more
investments 
 As an NRI, can I buy Mutual Fund Units in the Portfolio Investment Schemes (PIS) account 
 No, you cannot purchase Mutual Fund units in the PIS account. You can only do so in the Non-PIS account.
insurance 
 How is the Fund Value calculated 
 Fund Value will be calculated by multiplying balance units in your fund by the then prevailing NAV price.
insurance 
 What is the definition of a dependent child 
 A dependent child is an unmarried child between the age of 3 months and 18 years, or up to 21 years if in full time education, residing with the insured person.
security 
 If I have just received a renewed card, do I need to re-register 
 No, you do not have to re-register your renewed card since the card number remains the same. You need to re-register only if your card number has changed due to card replacement/ re-issue/ upgrade.
insurance 
 Where can the policyholder get the list of Network Hospitals 
 The list of Network Hospitals is enclosed along with the Policy Document. The Policyholder can also visit the HDFC Life website, www.hdfclife.com, for the most updated list.
insurance 
 What are the minimum and maximum age limits for investing in HDFC Life Uday 
 The age limits for HDFC Life Uday have been highlighted below : Minimum Entry Age 18 Years Maximum Entry Age 55 Years Minimum Maturity Age 30 Years Maximum Maturity Age 70 Years
loans 
 What are the charges I have to pay to change the mode of repayment/ account for my loan 
 A service charge of Rs.500 is applicable for changes in loan repayment instructions issued from non-HDFC Bank Account (ECS or PDC facility). A cheque/payorder/demand draft for Rs. 500 favouring “HDFC Bank Ltd Loan Account No. << >> will be required along with the revised set of repayment instructions.
accounts 
 Who can be a partner in a partnership firm 
 Partners must be major (above the age of 18), should be sane and should not be disqualified by law from entering into a contract.
accounts 
 Can I access my Merchant Advantage Plus Current Account from any HDFC Bank branch 
 Yes. The advanced technology of our systems provides you with the flexibility of accessing your account from any HDFC Bank branch.
loans 
 How long does it take to process Gold Loan 
 A gold loan is disbursed within One Hour. This is, however, subject to the verification of the gold and other documents that you submit. Approvals are at the sole discretion of the bank.
insurance 
 Can I take this plan without going for medicals 
 Yes this plan can be taken by filling short medical questionnaires subject to underwriting guidelines. For more details contact our Relationship Manager.
accounts 
 What happens if I don’t pay an instalment 
 If frequent defaults (non-payments) are observed in your payment of monthly installments, and six installments fall in arrears, the Bank reserves the right to close your RD account. The interest rate applicable on such accounts will be as per the premature withdrawal policy of the Bank.
insurance 
 What is the difference between Life and Extra Life options 
 In addition to the benefits under Life Option, you get an additional Extra Life Sum Assured upon death due to Accident under Extra Life option. Customer has the flexibility to select the amount of Extra Life Sum Assured (maximum up to Base Sum Assured)
investments 
 Is HDFC Bank venturing into silver/bullion market 
 Yes, HDFC Bank has RBI approval to retail silver/bullion to its customers.
loans 
 How do I obtain a NOC from the bank for settling a partial loss Insurance Claim for a vehicle under finance with HDFC Bank 
 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
cards 
 What is the time frame to report Debit Card transaction dispute 
 Transaction dispute needs to be reported in writing within 30 days from the transaction date.
insurance 
 Who do I contact in the case of hospitalization when covered under Travel Insurance 
 You have to contact the International SOS immediately in the case of hospitalization. They also provide any information to deal with any problem regarding claims.
cards 
 Where I can earn ‘Thanks Again’ Reward Points 
 You can earn reward points on merchants registered with ‘Thanks Again’ reward program, located in & around airports
accounts 
 Can a Defence ID card be accepted as a Photo ID document (Defense Salary Account) 
 A Defence ID can be accepted as a Photo ID document.
cards 
 What should I do in the case of a void transaction for NRO 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.
accounts 
 What are the permissible credits into EEFC account 
 Inward remittance through normal banking channels, other than remittances received on account of foreign currency loan or investment received from abroad or received for meeting specific obligations by the account holder; Payments received in foreign exchange by a 100 per cent Export Oriented Unit or a unit in (a) Export Processing Zone or (b) Software Technology Park or (c) Electronic Hardware Technology Park for supply of goods to similar such units or to a unit in domestic tariff area; Payments received in foreign exchange by a unit in the domestic tariff area for supply of goods to a unit in the Special Economic Zone (SEZ); Payment received by an exporter from an account maintained with an authorised dealer for the purpose of counter trade. (Counter trade is an arrangement involving adjustment of value of goods imported into India against value of goods exported from India in terms of the Reserve Bank guidelines); Advance remittance received by an exporter towards export of goods or services; Professional earnings including directors fees, consultancy fees, lecture fees, honorarium and similar other earnings received by a professional by rendering services in his individual capacity; Re-credit of unutilised foreign currency earlier withdrawn from the account; Amount representing repayment by the account holder's importer customer, of loan/advances granted, to the exporter holding such account; and The disinvestment proceeds received by the resident account holder on conversion of shares held by him to ADRs/GDRs under the Sponsored ADR/GDR Scheme approved by the Foreign Investment Promotion Board of the Government of India. View more
cards 
 Do I need to register for program 
 Yes, Customer need to register himself on www.thanksagain.com for earning the reward points. Unless you register yourself, you cannot earn any reward points
loans 
 How long is the tenure of the loan (Education Loans For Indian Education) 
 The maximum repayment tenures are as below: For loans upto Rs. 7.50 lacs - upto 10 years For loans above Rs. 7.50 lacs - upto 15 years
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 24x7 PhoneBanking immediately and report the loss of your card. The card can also be hotlisted using our Prepaid NetBanking facility In case you have opted for a back-up card, then you can request to activate back-up card and transfer balance on your hotlisted card to the back-up card. Balance transfer will be carried out instantaneously.