GhulamShabbirKhan/BankFAQs huggingface dataset:
loans 
 How long can I take to repay my personal loan 
 We offer flexible repayment options ranging from 12 to 60 months, depending on the customer’s profile.
loans 
 Do I need a co-applicant for the loan (Education Loans For Indian Education) 
 Yes a co applicant is required for all full time courses. Co-applicant could be Parent/ Guardian or Spouse/ Parent-in-law (if married)
loans 
 What are the fees & charges applicable 
 You may refer to the Fees & Charges option under the product Loan Against Property and Loan Against Rental Receivables.
cards 
 What is ISIC HDFC Bank ForexPlus card 
 ISIC HDFC Bank ForexPlus Card is a magnetic strip based prepaid card introduced in partnership with MasterCard International. The card offers you a convenient and secure way to carry forex. This card offers you the freedom to shop anywhere in the world and provides access to the currency of your destination at competitive market rates. It can be used at all MasterCard ATMs and Merchant establishment worldwide. This card cannot be used for making payments in India, Nepal or Bhutan.
accounts 
 What are benefits of Payzapp for business 
 Payzapp for business is arevolutionary invoicing solution by HDFC Bank which enables start-ups to request and receive payments on the go. Ideal for all start-ups who need to collect Payment on delivery / Advance payment / Balance payment / On-field collection. Benefits to Start-ups – - Instant flow of money to start-ups account - Convenient and Secure Money Transfer - No hassles of Cash Management
loans 
 What does 'Moratorium Period' mean (Education Loans For Indian 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.
cards 
 What are the authorization scenarios 
 When the card holder performs a payment transaction, the debit would take place on the priority as per the grid provided belowScenario 1 - If the customer has local currency (depending on country of transaction) wallet with sufficient balance then the transaction will be processed using the balances on the local currency walletScenario 2 – If the local currency is part of the offered multiple currencies on the card but customer does not have sufficient balance in local currency wallet, however if the customer has sufficient balance (equivalent to local currency) on default currency wallet (EUR) then the transaction will be processed using the balances on the default currency wallet. Value from the default currency will be converted to local currency using cross currency conversion rate decided by the Bank. This rate will be calculated with a 2% markup on the IBR cross currency rateScenario 3 – If the local currency is part of the offered multiple currencies on the card but customer does not have sufficient balance in local currency wallet as well as default currency wallet (EUR) however if the customer has sufficient balance (equivalent to local currency) on any other currency wallet then the transaction will be processed using the balances from the respective currency wallet. The card will look for balances across all the currency wallets in following order of priority as decided by the Bank1. EUR2. GBP3. AUD4. CAD5. SGD6. AED7. JPY8. CHF9. SEK10. HKD11. THB12. ZAR13. NZD14. OMR15. DKK16. NOK17. SAR18. MYR19. KRW20. BHD21. QAR22. KWD23. USDValue from the respective currency will be converted to local currency using cross currency conversion rate decided by the Bank. This rate will be calculated with a 2% markup on the IBR cross currency rateScenario 4 - If the customer transacts in currency which is not offered on the card, the transaction will be processed by debiting default currency (EUR) wallet. Cross currency conversion would take place as per existing Visa / MasterCard rates (3%) applicable for single currency cards. In case the default currency wallet does not have sufficient balance then funds would be pulled from wallet with sufficient funds and converted to the default currency using Bank’s currency conversion rate. Partial transactions in different currency wallets are not allowed. If the customer does not have sufficient balance to process the transactions individually in any of the currency wallets, the transaction is declined even if the collective balances on the card across all currencies is sufficient to process the transaction
insurance 
 Are there any specific exclusions under a Motor Policy 
 The following are not covered under a Motor Policy: Wear and Tear Mechanical or Electrical Breakdown, failure Depreciation, any consequential loss Driving under the influence of liquor or drugs Loss or damage attributable to war, mutiny, nuclear risks Any contractual liability View more
insurance 
 Does HDFC SL offer Unit Linked plans within its entire range of Children’s Plans 
 Yes, the plan name is HDFC Young star super premium plan.
accounts 
 Can a Company ID card be accepted as a Photo ID document (Basic Savings Bank Deposit Account - Salary) 
 No, a Company ID cannot be accepted as a Photo ID document. A government issued photo ID card is mandatory.
accounts 
 How can you transfer your Savings Account from one branch to another 
 Following is the process to be followed to transfer your account from one branch to another: An account transfer form, signed by all applicants, given at any of our branches. We recommend that you submit the form at the branch that you want your account transferred to. There will be no change in your account number. You can continue to use your existing chequebook, debit card etc
loans 
 If I don’t have an account with HDFC Bank, can I still avail of loans 
 Yes, you can get an HDFC Bank Two Wheeler Loan. You need not necessarily have an account with us.
cards 
 What if I forget or lose the activation code 
 You will have to enter your HDFC Bank Multi Currency ForexPlus Platinum Card number and other requisite details on the HDFC Bank Prepaid card NetBanking login page. After you fill the requisite details your activation code will be sent to you on your registered email account.
insurance 
 What happens if premiums are not paid 
 If you have not paid your premium by the expiry of the grace period, you will have following options: to revive the Policy within a period of 2 years from the date of discontinuance, or to completely withdraw from the Policy without any risk cover, or to convert the policy into paid-up policy (available on discontinuance after completion of the 5 policy years) If you do not communicate to us on the above options, the following treatment will be applicableDiscontinuance before completion of 5 years from commencement of the policy: Fund Value less applicable charges will be moved to ‘Discontinued Policy Fund (DPF)’.The proceeds from DPF will be paid out upon the completion of the lock-in period.Discontinuance on and after completion of the 5 years from commencement of the policy : Fund Value will be paid out to you You have the option to revive a discontinued policy within two consecutive years from the date of discontinuance of the policy, subject to payment of all due & unpaid premiums and our underwriting policy
accounts 
 Can the first applicant for a Recurring Deposit be a minor 
 The first applicant can be a minor.
accounts 
 How long the Standing Instruction given will be valid 
 Please note that Standing Instruction to transfer any amount from your account to your Kid's Advantage account every month is a mandatory requirement for this account and is valid for a minimum tenure of 1 year. Post the same you need to submit a fresh request at nearest HDFC Bank branch to continue the standing instructions.
accounts 
 What are the timings for locker operations 
 You can plan your visit and access your locker on all working days during banking hours.
cards 
 How can I check the balance on my HDFC Bank Regalia ForexPlus Card 
 You can check the balance of your Regalia ForexPlus Card with the help of Prepaid NetBanking facility. Alternately, you can also contact our Phone Banking services to check the balance on your Regalia ForexPlus Card. While in India, you may check the balances on HDFC Bank ATMs without any charge
accounts 
 What are the permissible credits from an RFC Domestic Account 
 As per the RBI directive, the following can be credited into an RFC Domestic Account: a) Received as pension or any other superannuation or other monetary benefits from his employer outside India; or b) Realised on conversion of the assets referred to in sub-section (4) of section 6 of the Act, and repatriated to India; or c) Received or acquired, as gift or inheritance, from a person referred to in sub-section (4) of section 6 of the Act; or d) Referred to in clause (c) of section 9 of the Act, or acquired as gift or inheritance therefrom. View more
loans 
 How many salary credits are required in my existing account to qualify for SmartDraft 
 To qualify for SmartDraft you need a minimum of 3 salary credits.
cards 
 I'm not a traveller, can I still benefit from the Hajj Umrah ForexPlus Card 
 The Hajj Umrah ForexPlus Card is designed only for overseas travellers, and cannot be issued to non-travellers.
cards 
 How do I top-up the value of my card when I am abroad 
 ISIC HDFC Bank ForexPlus Card can also be loaded on your behalf by someone authorized (blood relatives only) by you. Authorised person has to visit HDFC Bank branch with the necessary documents and funds. We’ll take care of the rest. You can reload your ISIC ForexPlus Card multiple times in future till the card gets expired: You can authorize the Bank to debit your HDFC Bank account by giving an HDFC Bank cheque or make payment using a local cheque drawn on HDFC Bank and reload the card for desired value. Reload requests can be made by any authorized person (blood relatives only) on your behalf. The person authorised by you for the same will need to come to bank branch and will need to provide the necessary documents to the bank to carry out reload. On receipt of the application form and the funds, your card will get reloaded for the desired amount. HDFC Bank customers can also place a request to reload the card through HDFC Bank PhoneBanking or HDFC Bank NetBanking.
security 
 How can I register for VBV/SC if my mobile number / Email ID is not updated in my Credit Card records with the Bank 
 You will have to first have the details updated in our system by calling our Customer Care Centre, and attempt to register later. The same will apply if there is a recent change in your mobile number.
loans 
 Who should opt for an education loan and why 
 Usually, middle-income group people apply for education loans. However, because of: Rapidly rising costs of education Income tax benefit under 80 E of IT Act Students wanting to take their own financial responsibilities to preserve the parents savings build positive credit history Even affluent families are going for education loan
accounts 
 Will both the principal and interest amount of my Fixed Deposit be considered 
 Just the principle amount of your Fixed Deposit is considered.
accounts 
 What is the minimum balance required for an Institutional Current Account  
 No minimum balance requirement.
cards 
 What should I do if my Multicurrency Platinum ForexPlus Chip card has expired but there is an unutilised balance on the card 
 If your Card has expired before all funds have been utilised, you can contact HDFC Bank PhoneBanking or any of our HDFC Bank branch for placing a refund request of the un-utilised balance. In case you wish you get a replacement card, you can place a request at any of our HDFC Bank branch
cards 
 What is HDFC Bank ForexPlus Platinum (Chip) card 
 HDFC Bank ForexPlus Platinum (Chip) card is an embedded chip based Prepaid card introduced in partnership with VISA International. It offers you a convenient and secure way to carry your Forex. This card gives 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 ATMs and Merchant Establishments worldwide. This card cannot be used for payments in India, Nepal or Bhutan.
insurance 
 Can be the Travel Insurance policy be cancelled 
 The policy may be cancelled via request on email/fax, only if the journey has not commenced subject to premium retention of Rs. 250 (including Service Tax). A copy of the insured’s passport has to be submitted as proof. Any request for cancellation will be entertained not less than 14 days after the first date of insurance as indicated in the policy schedule.
insurance 
 What does Medical Repatriation and Evacuation cover under Travel Insurance 
 Emergency Medical Evacuation means the arrangement for transportation required to move an insured to the nearest hospital and Medical Repatriation means the arrangement for transportation required to move an insured to his/her country of residence following an emergency.
cards 
 What should I do in the case of a void transaction 
 Just fax us a copy of the void transaction slip. You can send it to one of our PhoneBanking numbers or your nearest HDFC Bank branch.
loans 
 How can I make a request to foreclose my Loans Against Rental Receivables account 
 Kindly submit a written request to your nearest Retail Loan Service Centre to close your account. Our customer service desk will provide you with the necessary assistance.
accounts 
 What is the minimum balance required for an Ultima Current account 
 You need to maintain an Average Quarterly Balance (AQB) of Rs. 20,00,000 in your Ultima Current account.
investments 
 Why should I invest in SIP's right now 
 The current scenario in the equity market is dominated by negative sentiment, which has led to fundamentals being ignored. This scenario has created volatility in the markets and uncertainty of future outlook. The prudent way to invest in this scenario is to benefit from the volatility and this can be done by investing through SIP’s. A monthly SIP helps in averaging out the cost of purchase and benefit from the power of compounding. It also helps in creating wealth over a longer time period. The current investment scenario is still dominated by negative sentiment. This creates volatility in the markets due to confused minds of the investors. Such volatility makes it difficult to capture the market movements and most people end up losing money with the intention of timing the markets. Also investing a lump sum in one shot might lead you to miss out on market opportunities. The tool to beat such a scenario is investing through a Systematic Investment Plan.
insurance 
 What is the Home Insurance premium charged for fire and special peril cover and burglary and theft cover 
 The premium charged is Rs. 70 per Rs. 1 lakh for fire and special peril and Rs. 240 per Rs. 1 lakh for burglary and theft.
insurance 
 Can I do a partial withdraw from my fund 
 You can withdraw money from your funds to meet any future financial emergencies. Lump sum partial withdrawals can be made from your funds after 5 complete policy years, provided the Life Assured is at least 18 years of age.
accounts 
 Is employment confirmation mandatory for me to open a Defence Salary Account 
 Yes, employment confirmation is required to ensure that you are an employee of the company.
investments 
 Who can trade in derivatives with an HDFC Securities Trading Account 
 Trading in Derivatives will be available only to those customers who have submitted their financial documents or income proof and signed the necessary agreements. For more information click here. For more information visit www.hdfcsec.com
cards 
 I have renewed my passport with new number. Do I need to update my new Passport number in my ForexPlus Chip Card 
 Yes, We request you to get in touch with nearby branch along with original & copy of your passport to get the new passport number updated in the bank's records. Passport number is key validation criteria to check caller authenticity when you contact our 24 x 7 PhoneBanking service, hence it is recommended to update Passport number at the earliest.
investments 
 Is priority in allotment given to applications bid under ASBA facility 
 There is no differentiation between the allotment of shares applied through ASBA or Non- ASBA.
insurance 
 What is a Motor Insurance cover note 
 A cover note is a temporary insurance document establishing proof of Insurance with which you can register your vehicle. A cover note is valid for 60 days from the date of its issuance and is replaced by an Insurance policy.
loans 
 What all is the loan for – study and stay or just study 
 Education loan is normally taken for financing Tuition fees, living expenses (hostel etc.), books and periodicals and sometimes traveling
investments 
 Who can apply for ASBA 
 The following investors are eligible to apply through ASBA: In public issues: Investor from any of the approved category eligible to apply in IPO as per SEBI guidelines. Investor who has a Savings Account or Current Account with HDFC Bank Investor who has a Demat Cccount with any DP along with a valid Permanent Account Number (PAN). Investor has sufficient clear credit balance in his/her Savings or Current account (NOT including overdraft limit) In rights issues: Any shareholders of the issuer company, as on the record date, provided he/ she: holds shares in dematerialised form and has applied for entitlements and /or additional shares in the issue in dematerialised form; has not renounced his/ her entitlements in full or in part; is not a renouncee to the Issue; is from any approved category eligible to apply in IPO as per SEBI guidelines. has a Savings Account or Current Account with HDFC Bank has a Demat account with any DP along with a valid Permanent Account Number (PAN). has sufficient clear credit balance in his/her Savings or Current account (NOT including overdraft limit) View more
insurance 
 Does this the Revive Policy for Personal Accident have hospital cash benefit 
 Yes, hospital cash provides a benefit of Rs. 250 every day up to a maximum of 30 days in case of hospitalization due to an accident.
investments 
 How much am I charged for this service 
 A quarterly maintenance charge is applicable to hold an Investment Services Account. We request you to contact your RM / Personal Banker or nearest HDFC Bank Branch for details.
insurance 
 What is HDFC Life New Immediate Annuity Plan 
 The HDFC Immediate Annuity is a contract that uses your capital to provide you with a guaranteed gross income throughout your lifetime or over a period of your choice. This is the perfect way to plan for your expenses after your retirement. This means you can plan your life the way you want it to be, safe in the knowledge that your gross income will not fall during the period you have selected. This is the perfect way to plan for your expenses after your retirement. The HDFC Immediate Annuity plan offers a number of options to meet all your income needs.
loans 
 So how do I get the Loan against Car 
 To get the Loan against Car, just fill the Online Application Form and our representative will get in touch with you shortly. Or you can also Call us or Visit our branch.
loans 
 Can I repay the loan earlier for Professionals Loan 
 Yes, you can choose to repay your loan anytime after 06 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.
insurance 
 I don’t want to wait till 60 years for retirement. Is there a way out 
 This plan has a minimum vesting age of 45 years only, which would help to plan for an early retirement. You don’t need to wait till 60 years of age. However, once you have fixed your vesting age, it is recommended that you continue for the entire term.
cards 
 Is there a usage limit 
 Rs 10,000 per transaction for cash withdrawals No usage limit on POS usage
insurance 
 What are the benefits available under Income option 
 This option provides the nominee with a Lump sum benefit and a regular stream of level/ increasing monthly income on death of Life Assured. The customer has to select this Lump sum benefit, amount of monthly income, income term for which the income payout will happen (up to 20 years) and a simple rate of increase in income.
insurance 
 Would I have to go for any medicals 
 No, there would not be medical tests involved with this plan.
loans 
 How much can I borrow 
 You can take a loan ranging from Rs. 50,000 to Rs. 15,00,000, depending on your income and repayment capacity. You can club your spouse’s income if you want to get a bigger loan.
security 
 What will happen if I try to register again & generate an OTP within 2 hours 
 You will get a pop-up message stating Your earlier request is being processed. If you do not receive your OTP within 2 hours, please try again later. Only on expiry of the OTP generated through an earlier request, you can register again to generate a new OTP.
investments 
 What do I need to submit to place an IPO/NCD order with my HDFC Securities Trading Account 
 Once you are registered with HDFC securities, you can successfully place an IPO/NCD order online or Call ‘N trade. No filling of any form or any documentation is required for a registered customer.
insurance 
 What is meant by a ‘With Profits’ plan 
 ‘With Profits’ plans are plans where the premiums are invested in the ‘with profit’ This fund invests in a variety of assets to earn returns on your policy, which are shared with the policyholder’s in the form of bonuses which are declared annually. And once declared these bonuses are guaranteed.
loans 
 What is the mode of repayment for student loan in India 
 You have the option of repaying the loan through a Standing instruction, 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 post-dated cheques.
insurance 
 Will I get a renewed Revive Policy for Personal Accident policy 
 Yes, you will receive a renewed policy.
loans 
 What is the minimum Loan value 
 The minimum loan value is Rs. 2 Lakhs.
accounts 
 How can I prematurely liquidate my recurring deposit 
 If you wish to prematurely liquidate your Recurring Deposit. We request you to submit your Recurring Deposit advice or written instruction, duly signed by all account holders, at the branch for premature liquidation of your Recurring deposit. Alternatively, you can liquidate your Recurring Deposits through NetBanking. This facility will be available for Recurring Deposit held under Sole Owner (SOW) relationship only and which are booked from Singly Owned Savings or Current Accounts. Following are the steps for liquidating your Recurring Deposit online: Login to NetBanking with your Customer ID and IPIN (NetBanking Password) Select Liquidate R D option under the Recurring Deposit menu from the Menu bar located on the left hand side, under Accounts tab. Select the Recurring Deposit account number from the Drop-down lists, and click on Continue. Verify the details and Confirm the Liquidation. A Confirmation page will be displayed, confirming that your Recurring Deposit has been liquidated. Additional Information - If your Recurring Deposit is broken prematurely, the interest rate applicable for premature closure of deposits will be lower of The base rate for the original / contracted tenure for which the deposit has been booked OR The base rate applicable for the tenure for which the deposit has been in force with the Bank The base rate is the rate applicable to deposits of less than Rs.15 lacs as on the date of booking the deposit. In case of premature closure within a month, no interest shall be paid out & only principal amount shall be returned. View more