GhulamShabbirKhan/BankFAQs huggingface dataset:
accounts 
 Do I get access to all the services offered under Smartup programme once I start banking with HDFC BANK 
 Access to some of the services will depend on the size of the banking relationship
insurance 
 Why do I need a Children’s Plan 
 As a parent, your priority is your child’s future and being able to meet their dreams and aspirations. Providing a good education, establishing a professional career or even a modest wedding is becoming an expensive proposition with each passing year. Costs are increasing fast. Just imagine how much you will need when your young children tale these important steps in life in the future. With our Children’s Plans, you can start building regular savings today to help you secure your child’s immediate and future needs even when you are not around.
loans 
 What will be done with the post-dated cheques if I request to change the mode of repayment/account for my loan 
 Post Dated Cheques(PDCs)/Security Cheques submitted towards loan repayment that have not been encashed, will be defaced and retained by the Bank. In case, you wish to have your old Post Dated Cheques(PDCs)/ Security Cheques to be returned to you, kindly lodge a request at the Retail Loan Service Center or through PhoneBanking or write us an email at www.hdfcbank.com/services within 45 days from the date of application of change in repayment instructions. In case, we do not hear from you within the stipulated period, the defaced cheques will be destroyed.
accounts 
 What documents are required to open a senior citizen Regular Fixed Deposit 
 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
insurance 
 What is a No Claim Bonus (NCB) under a Motor Insurance policy 
 It is a discount in the own damage premium payable when renewing your policy after a claim-free year. It is an incentive for driving carefully and avoiding accidents. The No Claim Bonus on all types of vehicles, and the discount is as follows: All Vehicles % discount on Own Damage premium No claim made or pending during the preceding full year of insurance 20% No claim made or pending during the preceding 2 consecutive years of insurance 25% No claim made or pending during the preceding 3 consecutive years of insurance 35% No claim made or pending during the preceding 4 consecutive years of insurance 45% No claim made or pending during the preceding 5 consecutive years of insurance 50%
loans 
 Will the loan be disbursed in favour of the Institute/college/university (Education Loans For Indian 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.
insurance 
 I have 30 years to my retirement. Why do I need to plan now 
 This is the best part of your life. You have time on your side. So you can act now and ensure a smooth retirement. Please remember that retirement is inevitable & early planning for retirement is really helpful. The earlier you start investing in your retirement, the bigger would be your retirement kitty, thanks to the power of compounding. You can actually build up a larger sum with a comparatively smaller investment if you start early. So please think about this and act now.
accounts 
 How do Recurring Deposits work 
 A monthly deposit of a pre-fixed amount is made in the Recurring Deposit account. On maturity, you get back the amount you deposited, along with interest calculated at the rate applicable at the time of opening your account.
accounts 
 What is the minimum balance that I need to maintain in a Max Current Account 
 You need to maintain an Average Quarterly Balance of Rs. 5,00,000 in your Max Current account.
investments 
 What if I forget my customer ID/ IPIN number 
 Your ID is available in your welcome letter or can be obtained from the branch. Your IPIN (NetBanking password) can be re-generated by downloading a 'Password Regeneration Request' from the HDFC bank website and submitting it to the branch. The new IPIN (NetBanking password) will be sent to you by post.
cards 
 Are there transaction limits for NRO Debit Card 
 Subject to the balance in your account, the daily limits are Rs. 25,000 at ATMs and Rs. 1.75 lacs at merchant locations in India. These limits have been set for the security of your card.
insurance 
 Can I include my spouse in this the Accidental Protection Plan - Hospital Cash policy 
 Yes, you can include your spouse and up to 2 children in the policy.
cards 
 Can this Card be used in India 
 No, this Card cannot be used in India, Nepal and Bhutan.
cards 
 How Can I get my Times Points Debit Card 
 If you are an existing HDFC Bank account holder following are the process to get a Times Points Debit Card: 1. Please visit the nearest HDFC Bank branch and apply for Times Points Debit card 2. Please visit HDFC Bank NetBanking and Upgrade your existing card to Times Points Debit Card 3. Call Phone banking and put a request for new request for Times Points Debit Card(in case you do not have any debit card) or request for upgrade of your card to Times Point Debit card. In case you do not have existing account with HDFC bank then we would request you to visit nearest branch to open an account and request for Times Points Debit card.
cards 
 What documents should I submit when I purchase the HDFC Bank Multicurrency Platinum ForexPlus Chip card 
 HDFC Bank Savings / Current account holders need to just submit completed application form and copy of valid Passport (or any other documentation as mandated under prevalent LRS guidelines) If you don't have HDFC Bank Savings / Current account, you need to submit completed application form, copy of valid Passport and copy of Ticket or Visa (or any other documentation as mandated under prevalent LRS guidelines) .
investments 
 What is the difference between the Non-ASBA IPO process and the ASBA IPO process 
 In the Non-ASBA IPO process, the bid amount (application money) is debited from the bank account once the bid application is successfully placed with HDFC securities. Under the ASBA IPO 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.
insurance 
 What is so special about this product 
 HDFC Life APP has benefits such as: Capital Guarantee of 101% - 135% - APP is a unit linked plan that provides you the upside of the equity markets. However, to protect you from the market downfall, you have the Assured Vesting Benefit of 101% -135%, depending on the Premium Paying Term and Policy Term combination. This means that your capital is completely protected from any downside Pension Multipliers – As a Loyalty benefit, Pension Multipliers would be added to the fund value every alternate year starting from the end of 11th policy year. These additions will be equivalent to 1% of average fund value for the immediate preceding two years, subject to the policy being in force and all premiums paid till date. Early start to boost your corpus – With APP you can start your retirement planning as early as 18 years. The earlier you start, you would gain from the power of compounding and be able to build a bigger corpus before your retirement Lower vesting age limits – The minimum vesting age of APP is 45 years, this would help you to plan for early retirement
cards 
 Can I use the DCC/ MCC option at the time of transaction 
 Whenever Regalia ForexPlus 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 cardholder to opt for DCC/MCC while using ForexPlus 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.
investments 
 How will HDFC Bank sell the gold 
 HDFC Bank is selling the gold through its branches.
loans 
 What are the most important guidelines post disbursements for Pre-owned Car Loans 
 Registration Certificate-Important advise HDFC Bank is in no way responsible for the delivery of the Registration Certificate. The Borrower shall submit the certified true copy of the Registration Certificate relevant to the vehicle for which the loan has been taken.The registration certificate has to be submitted within 60 days of having taken delivery of the vehicle or 150 days from the date of disbursal of the loan whichever is earlier.The Borrower is also required to submit copy of the Insurance policy as well as Invoice to the bank,within this period. Vehicle Delivery The role of HDFC Bank is to be a finance provider to the borrower and hence the Bank is not responsible for delay, non-delivery or any defect, damage in quality and workmanship of the Vehicle. The Bank is also not liable or responsible in case of defect or dispute of any nature in the title (even if the vehicle is found to be a stolen Vehicle) or ownership of the Vehicle. Loan cancellation In case of loan cancellation requested by the Borrower, in the event of non delivery of the vehicle,cancellation charges as well as interest charges till the time the refund of the loan is received from the dealer, will have to borne by the Borrower. Interstate NOCs In the event of a Borrower requiring a NOC for purpose of interstate registration,in the event of a transfer of employment or any other reason, fees of Rs 500 along with a refundable Fixed Deposit of Rs 5000 will be charged.It will be the borrower's responsibility to provide the transferred Registration certificate to the bank. We advise our customers to only deal with the Bank empanelled Direct sales associates.The Bank shall take no responsibility for any transactions undertaken by the borrower with any unempaneled direct sales associates,who may claim association with the Bank. It is also advised,that the customers should refrain from any dealings in cash with the Bank's Direct Sales associates .Borrowers should also not make any payments in cash/bearer cheque or kind in connection with the loan,to the executive,dealing with the borrower for purpose of the loan. View more
insurance 
 What is Life Stage Protection feature 
 Under this feature, you have the option to increase the basic Sum Assured without underwriting on any of the below specified events in the life of the Life Assured 1stMarriage: 50% of Sum Assured subject to a maximum of Rs. 50 lakhs Birth of 1st child: 25% of Sum Assured subject to a maximum of Rs. 25 lakhs Birth of 2nd child: 25% of Sum Assured subject to a maximum of Rs. 25 lakhs This feature is available under all plan options
insurance 
 What are the medical reports that need to be submitted to avail of Travel Insurance 
 For any insured with an adverse history of: Blood Sugar PP and Fasting ECG Report with tracing Echo Cardiography report USG Whole Abdomen Any insured with any of these needs a doctor’s certificate with all details of past ailments and present medication, if any and a doctor’s certificate stating the insured is fit to travel. View more
accounts 
 Can I change the tenure and installment due date, (auto debit date) of my Recurring Deposit 
 No it is not possible to change the tenure and installment due date, (auto debit date). We request you to open a new Recurring Deposit with the desired due date and tenure.
cards 
 Is there a load amount limit 
 Card balances cannot be more than Rs. 50,000 at any given point in time.
cards 
 How can I avail of Global Customer Assistance Services (GCAS) for my ForexPlus Platinum Card 
 You can call the VISA call centre numbers to avail the services available on Global Customer Assistance Services. Click here for Country wise Visa Call Centre numbers.
accounts 
 What are the key features of current account 
 Current Account Varaint SMARTUP ALPHA SMARTUP MAX Current Account Feature Minimum Balance Requirement Zero Balance for 1 Year, subject to any 2 debit transactions in the first 6 months from account opening Year 2 onwards Rs. 25,000 Average Quarterly Balance 5,00,000 Average Quarterly Balance Enjoy privileges of Preferred Banking* Free Cheque Leaves 100 Per Month 500 Per Month RTGS & NEFT FREE FREE Local & Anywhere cheque collections/payments and fund transfer FREE FREE Free Cash Deposit Limit Per month across all branches Upto 12 times the Average Monthly Balance per month or 25 transactions whichever is lower,(subject to maximum Rs 100 lacs/month) Upto 12 times the Current month Average Monthly Balance or 60 Lakhs or 60 transactions which breached first (subject to maximum Rs 200 lacs/month) Additional Privileges Debit Card Platinum Debit Card with No Annual Fee 1 cash back for every Rs 100 spent * Times Debit Card with No Annual Fee Earn 2 Times Points for every Rs. 150 spent * Exclusive Discount of 10% or more on online lifestyle, entertainment, dining and grocery * Corporate Credit Card (FD backed card with credit limit of 75%) Business MoneyBack (FD Amount Rs. 45000) Business Regalia First (FD Rs.2,00,000) Business Regalia- (FD Rs. 4,00,000) Business MoneyBack (FD Amount Rs. 45000) Business Regalia First (FD Rs.2,00,000) Business Regalia- (FD Rs. 4,00,000)
accounts 
 Who all can open SmartUp Current Account 
 SmartUp Solutions is targeted primarily for the newly incorporated Start-up companies working towards innovation, development, deployment or commercialization of new products, processes or services driven by technology or intellectual property. - Proprietorship, Partnerships, LLP, Private limited companies and Limited companies can open this account. - Date of incorporation / registration of business should not be more than five years from date of account opening
loans 
 What are the other benefits that I can get from my Loan Against Securities Account 
 All the benefits that we offer on the Current Account are also applicable to the Overdraft account. This includes facilities like Phone Banking, NetBanking, BillPay and ATM. As a privileged Loan Against Securities customer, you will be entitled to our FREE International Debit Card.(only for the first holder)
accounts 
 How much of foreign exchange earnings can be credited into an EEFC account 
 100% foreign exchange earnings can be credited to the EEFC account subject to the condition that the sum total of the accruals in the account during a calendar month should be converted into rupees on or before the last day of the succeeding calendar month after adjusting for utilisation of the balances for approved purposes or forward commitments. Refer to the RBI circular on below link. Note: In accordance with Reserve Bank of India's circular no. A. P. (DIR Series) Circular No. 12 dated 31st of July 2012, the balances outstanding in all EEFC / Diamond Dollar Account (DDA) and RFC (D) accounts as on last day of a Current month, shall be converted into Rupees by the Bank on the last working day of the succeeding month, if such balance is not utilised by the account holder before the last day of succeeding month. Such mandatory conversion by the bank on the last working day of the succeeding month will be done at the prevailing TT buying card rate. In case, customer has booked Forward Contract/s for conversion of balances in these accounts at a future date which is falling beyond the last day of the succeeding month, such contracted amount shall be deducted from the eligible amount for the mandatory conversion. In case customer has any payment to be made in future from these accounts beyond the last day of the succeeding month then bank should be duly informed before 25th of the succeeding month in writing through Relationship Manager / Branch Manager for holding back the conversion to that extent. The customer needs to submit the underlying documents of such future transaction/s. This will be an on-going procedure till we receive revised instructions from Reserve Bank of India. View more
loans 
 What are the tenures for which I can avail this loan 
 HDFC Bank Consumer Durable Loan is available in 12, 18, 24 and as long as 36 months
insurance 
 Will I also be able to save tax through a Children’s Plan 
 Yes, you will be eligible for tax benefits under Section 80C and Section 10(10D) of the Income Tax Act, 1961, subject to the provisions contained therein (tax benefits are subject to change in the tax laws. Please refer to the Tax Benefits section for more details).
insurance 
 What benefit do I get from the Revive Policy for Personal Accident if I break my bones 
 You get 10% of the sum insured up to Rs. 50,000 (for dependent parents) if you break your bones in an accident.
cards 
 Can I load GiftPlus card by making payment in Cash 
 No, GiftPlus card cannot be loaded against payment of cash. GiftPlus card can be loaded by way of a Direct debit to your HDFC Bank account, local cheque drawn on HDFC Bank or demand draft
insurance 
 What is covered under the benefit Loss of Checked Baggage 
 This benefit will reimburse the insured person the cost of replacement of the articles if the Checked-in Baggage or Personal Documents are permanently damaged or lost.
cards 
 How can I cancel my Forex Plus Card 
 To cancel your ForexPlus Chip Card, we request you visit our your nearest HDFC Bank branch and place a request towards cancellation the of the card. Your request will be processed within one working day of us receiving the request and the available balance on the card will be refunded back to your account. Incase you do not have an account with us then a demand draft shall be issued for the respective refund amount. There are no charges towards the cancellation of a ForexPlus Chip Card. However, currency conversion tax as applicable from time to time will be deducted at the time of providing credit to you. Kindly visit the following URL to access information for the complete address and contact details of our Branches and PhoneBanking centers:
insurance 
 What plans are available under  the Revive Policy for Personal Accident  
 HDFC ERGO offers a wide range of sums insured ranging from Rs. 2.5 Lakhs to Rs. 15 Lakhs, with four plan options to choose from: Self Plan Self and Family Plan Self + Dependent Parents Add-On Self and Family + Dependent Parents Add-On
cards 
 What should I do in the case of a void transaction for International 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 
 Does  the Accidental Protection Plan - Hospital Cash policy have a hospital cash benefit 
 Yes hospital cash provides a benefit of Rs. 1,000 for every day up to a maximum of 30 days in case of hospitalization due to an accident.
loans 
 Do I need to provide collateral to avail of an education loan (Education Loans For Foreign Education) 
 For loans up to Rs. 4 lakh - No collateral or Third Party Guarantee is required For loans from Rs. 4 lakh to Rs. 7.5 lakh – No collateral required, however Third Party Guarantee is required For loans above Rs. 7.5 lakh – collateral is required. You can choose from any of the following acceptable collaterals: Residential Property HDFC Bank Fixed Deposit LIC/NSC/KVP View more
insurance 
 Can I include my parents in this policy 
 Yes, you can include your dependent parents up to 65 years. The plan provides add on benefits for your dependent parents with an affordable flat rate. Now you can give back a small measure of the love and concern they showed for you.
loans 
 How long can the tenure of my loan be 
 Usually the tenure of an Auto Loan is 3 to 7 years. The tenure also depends on the type of car you wish to purchase. If it is a super premium car the tenure is restricted to 3 years only. In addition, the higher your tenure is the lower your EMI will be, but the total interest outflow is higher.
loans 
 How much time will it take to change the mode of repayment/ account to repay my loan 
 It will take 25 working days to activate the revised instructions. In case your next instalment falls due prior to the 25 day period, instructions already lodged with us will be presented for payment.
cards 
 Does customer need to log-in to every Times Internet Limited page for earning Times Points 
 Yes. Customer needs to log-in to earn times points for activities done on any website.
insurance 
 What are the different types of Savings Plans 
 You may choose between a traditional endowment plan and unit-linked insurance plan depending on a number of factors including your risk profile, your understanding of different financial instruments and your ability to track your investments regularly. Therefore , those who are well aware of the financial markets, are willing to bear the investment risk and desire a higher return can look at unit linked products and vice versa.
security 
 Is there a fee to register for Verified by Visa / MasterCard Securecode 
 The service is free, There is no additional charges for using the service.
loans 
 What is the maximum loan amount I can take on a Tractor Loan 
 You can borrow up to 90%, subject to credit underwriting standards of the bank.
loans 
 What are the loan tenure options for Professionals Loan 
 You can repay your loan over a period of 12 to 60 months
investments 
 Does the KYC Acknowledgement have an expiry date 
 No. Once the KYC Acknowledgement is obtained and informed to a Mutual Fund, it will be registered against the folio and quoted in all future account statements. The same will exist in perpetuity, unless cancelled by CVL.
insurance 
 Does the Travel Insurance policy cover loss of cash/Credit Card 
 The company is not liable to pay any benefit in respect of loss of cash, bank or currency notes, cheques, Debit or Credit Cards.
security 
 How long does it take for the IVR Password  to get delivered using Verified by Visa/Mastercard Secure Code 
 The IVR Password will get delivered instantly, in less than a minute. Please ensure that you also check your Spam, Junk and all other folders for the IVR Password mailer from HDFC Bank.
insurance 
 What are the benefits of a retirement plan 
 Retirement Plans provide you with a steady flow of income post retirement so that you can continue to live a financially independent life.
investments 
 What are the KYC requirements for a Mutual Fund Investor 
 Individual investors will have to produce a Proof of identity (Photo PAN card copy or PAN card copy and copy of the passport, driving license, etc.) and Proof of Address (any of the valid documents listed in section B of the KYC Application Form for Individuals). Non-Individual Investors will have to produce certain documents pertaining to its constitution/registration to fulfill the KYC process. A list of Mandatory Certified Documents to be submitted can be found in section C of the KYC application form for Non-Individual Investors.
loans 
 Is my overdraft limit fixed 
 This will completely depend on the market rate of the securities that you have pledged. Of course, we will value your portfolio periodically to determine your overdraft limit. You can increase your overdraft limit by pledging more shares/securities , or decrease it by withdrawing them – that's completely up to you.
insurance 
 What is a retirement plan 
 Retirement Plans refers to insurance plans which aim to offer you income/ pension after retirement when you may not have any other adequate source of income.
accounts 
 Will TDS be charged on the gross interest earned or the net interest earned 
 TDS (Tax Deducted at Source) is charged if, in a financial year, the gross interest earned on your fixed deposits held with the bank exceeds Rs. 10, 000.
accounts 
 What is the AMB (Average Monthly Balance) requirement of the Institutional Savings Account 
 An Institutional Savings Account is a ZERO BALANCE account.