GhulamShabbirKhan/BankFAQs huggingface dataset:
investments 
 How do I transact in Mutuals Fund after completing the KYC process 
 You must attach your KYC Verified Print Out along with the Investment Application Form(s) while investing for the first time in a Mutual Fund. Application Forms not accompanied by a KYC print out are liable to be rejected by the Mutual Fund.
insurance 
 What is the Guaranteed Base Income under the plan 
 Guaranteed Base Income is expressed as percentage of the Sum Assured on Maturity. This guaranteed amount is known to you at the inception and payable at the end of each year during the payout period as per your chosen plan option. The percentages are as follows: Option Guaranteed Base Income as % of Sum Assured on Maturity Annual GBI Total GBI for entire premium payment term 1 12.5% 100% 2 10.0% 100% 3 12.0% 120% 4 10.0% 120% 5 10.0% 120% 6 8.0% 120%
cards 
 I am already member of Times points, do I need to register again 
 If your e-mail ID in the existing registration on times point and the one given to HDFC Bank is same then you don’t have to register, however in case of different e-mail ID or no e-mail ID in existing Times Points account, you will be automatically registered on times points using your e-mail ID given to HDFC Bank and a confirmation mail will be sent to your email ID.
loans 
 What are the different modes of loan repayment 
 Customer has option of Monthly, Bi-monthly, Quarterly & Haly yearly repayment options, depending on customer segment and product variant.
insurance 
 What is an accident 
 An accident is any sudden or unexpected event, which leads to permanent physical disability or accidental death.
accounts 
 Can you covert your existing saving account into a pension account 
 Yes. You just have to submit an undertaking and submit the required documents.
investments 
 Is the gold imported 
 Yes.The gold is imported from an Internationally reputed supplier from Switzerland.
accounts 
 Do I need to pay any penalty on premature closure of Fixed Deposits 
 As per the Terms & Conditions of Fixed Deposit Accounts of the bank, the penalty on premature closure of Fixed Deposits, including sweep-in and partial closures, has been fixed by the Bank at the rate of 1% of the fixed deposit interest rate. This is applicable with effect from 24th January, 2011.
cards 
 What is the procedure to follow if my Debit Card PIN is blocked 
 Please note that if you enter an incorrect PIN three times in the ATM, your access gets blocked for security reasons. It gets activated after 24 hours. Kindly use your Debit / ATM Card at the ATM after 24 hours with the same PIN available with you. If your account still remains inaccessible, please apply for new PIN. You can apply for regeneration of your ATM / Debit PIN in following ways: Fill-up the new PIN application form and submit it at any of our branches. On receipt of the form and successful verification, we will process a new ATM PIN and send it to your mailing address, as registered in our records. Submit a request at PhoneBanking, after validation with your Telephone Identification Number (TIN). For every PIN Regeneration request, charges of Rs. 50 + Service Tax + Educational Cess is applicable. For more details, Contact Us View more
cards 
 Which are the offers I am eligible as a Times Debit Card holder 
 You will be able to choose one out of more than 20 welcome offers from leading e-com merchants in India. Additionally there will be more than 350 regular offers to avail at any point of time during the year. The minimum discounts on the offers would be 10% in addition to the merchants own discounts.
cards 
 Can a chip card be used for online transactions 
 Yes the chip card can be used for online transactions. The JetPrivilege HDFC Bank World Debit Card has to be registered for 'MasterCard SecureCode’ which ensures safe online transactions after which the card can be used online.
insurance 
 Are all additions guaranteed 
 Yes, they are guaranteed to be paid for every completed policy term
insurance 
 Is loss of passport covered under Travel Insurance 
 Yes, loss of passport is covered in the policy. It is covered under the benefit of ‘Loss of personal documents’. The assistance provider helps the insured contact the consular authorities and arrange for its replacement in the case of loss of passport.
cards 
 What is Times Points 
 Times points is a unique loyalty program which allows you to earn reward points for all your digital media usage (create/consume/share etc.) across digital properties of Times Internet Limited
insurance 
 What is the premium frequency available under policy 
 The premiums can be paid Annually, Half-Yearly, Quarterly and Monthly
insurance 
 What is the Settlement Option 
 In Settlement Option the Fund value is paid in periodical installments over a period which may extend up to 5 years. The value of installment payable on the date specified shall be subject to investment risk i.e. the NAV may go up or down depending upon the performance of the funds chosen by you. Your money will remain invested in the funds chosen by you and is subject to the same investment risks as during the policy term. During the Settlement period, the risk cover will cease, Fund Management Charge will continue to be deducted and no other charges shall be levied. Partial withdrawals and switches shall not be allowed during this period. Complete withdrawal may be allowed at any time during this period without levying any charge. At the end of this 5-year period, the balance units will be redeemed at the then prevailing unit price and the fund value will be paid to you.
investments 
 Is the KYC acknowledgement a separate form or is it a part of the Mutual Fund application. Which of the forms require being time-stamped 
 KYC Acknowledgement is a separate form. Time stamping is not required on the KYC Acknowledgement.
cards 
 How can I check the balance on my HDFC Bank ForexPlus Card 
 You can check the balance on ForexPlus card with the help of NetBanking facility. You will need to use the card number as user ID & IPIN issued to you as part of the card kit to login to NetBanking facility. Alternately, you can also contact our PhoneBanking services to check the balance on your ForexPlus card.
insurance 
 What documents need to be submitted when I make a claim under my Motor Insurance policy 
 You will need to submit a claim form along with the following: A copy of the vehicle's registration book A copy of the driving licence of the person driving the vehicle at the time of the accident An estimate of the repairs A copy of the police FIR/panchnama in case of theft or any third party personal injury/death or property damage If the vehicle is declared a total loss, either due to an accident or theft, you will also have to provide the following documents – RTO transfer papers, original RC book, original Insurance policy, the vehicle’s original keys, a No Objection Certificate from you to transfer of the vehicle, a letter of indemnity on judicial stamp paper and a letter of subrogation on judicial stamp paper.
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
insurance 
 What is the surrender benefit under the plan 
 If you surrender before completion of the 5th policy year, your Fund Value less applicable charges will be moved to If you surrender before the end of the 5 years from commencement of the policy, Your fund value (as on date of surrender) will be moved to the ‘Discontinued Policy Fund’ and will earn a minimum guaranteed return as specified by IRDA. The minimum guaranteed interest rate applicable to the ‘Discontinued Policy Fund’ shall be 4% p.a. Such rate may be changed in the future if the IRDA revises the minimum rate for discontinued policies. A Fund Management Charge of 0.50% p.a. will be levied on the ‘Discontinued Policy Fund’. The Discontinued Policy Fund (SFIN:ULIF05110/03/11DiscontdPF101) shall be a unit fund which will invest 100% of assets in Government Securities and/or Money Market Instruments. Your fund value as held in the ‘Discontinued Policy Fund’ will be payable to you at end of the 5th policy year. In case of the death of the Life Assured or Policyholder, before the payment of the surrender benefit, the amount in the Discontinued Policy Fund will be paid out immediately. If you surrender your policy after completion 5 years from commencement of the policy, your fund value will be paid to you. Once any surrender payment has been made, the policy terminates and no further benefits are payable.
insurance 
 How Do I extend my HDFC Ergo Student Travel insurance surakshapolicy 
 Please send a request mail to [email protected] for extension of policy along with health declaration attached to it. You will receive a response from us with the detailed procedure and the additional premium amount.
accounts 
 How to Download TDS Certificate through Online 
 Please note you can now download the TDS certificate from Netbanking Accounts Module ,Go to Request section click on TDS Inquiry. We request you to follow the below mentioned process : Log in into NetBanking through the Customer ID and NetBanking Password (IPIN). Select TDS Inquiry under the Request option on the left hand pane. Select the Financial Year and Quarter for which the certificate is required. Click on Continue and confirm. Additional information:- Currently, TDS Certificate for the Quarter 1 , Quarter 2, Quarter 3 AND Quarter 4 are available. TDS certificates will be available only if PAN is updated and there is a tax deduction in the financial quarter. TDS certificate will be in PDF Format. View more
cards 
 How do I report such service/merchant related transaction dispute incurred using my Debit Card transaction 
 We strongly recommended that for all service related disputes, the Debit Cardholder must first attempt to contact the merchant to resolve the dispute which enables prompt resolution. Considering all attempts have been made to resolve dispute with the merchant, you may call PhoneBanking team for raising exact nature of dispute and send relevant supporting document with respect to failed / disputed transactions with complete transaction(s) details to [email protected] ] OR submit the same at your nearest HDFC Bank branch.
insurance 
 Will automatic conversion of vesting benefit to annuity happen 
 Policyholder needs to purchase an annuity plan – by filling the annuity proposal form. Submit all relevant documents and annuity payout will occur as per the timeline.
loans 
 How can I repay my Personal Loan 
 You pay the loan in equal monthly instalments (EMIs). The loan will be paid through post-dated cheques. You can also pay through ECS or a standing instruction to debit your HDFC Bank account with the EMI amount. Try our EMI calculator to calculate how much you need to pay each month.
loans 
 How do I utilize this amount 
 This amount is made available in your Salary Account. You can withdraw it through the regular modes i.e. ATM, Cheques, online transfers.
loans 
 What is the maximum amount I can borrow with an HDFC Bank Pre-owned Car Loans 
 You can get an additional loan on your existing HDFC Bank Auto loan if you have a clear repayment track record of 12 months or more, till the extent of your existing loan amount at an attractive rate of interest.
investments 
 What are the benefits of InvestTrack 
 This exclusive service* comes to you with an array of unmatched benefits, which include: Structured Process considering your risk profile, investment objectives and financial goals Recommendations from HDFC Bank's in-house research team Choice of convenient Mutual Fund execution platforms Comprehensive Portfolio Tracker* that provides a consolidated view of your Mutual Fund Investments, HDFC Life Policies, Savings, Current & Fixed Deposit Account Balances Complimentary subscription* to our exclusive monthly magazine - Investment Insight, that updates you on: Market Movements New Fund Offerings Recommended Funds' Performance Fund Managers' Views Informative articles on various investment products Proactive monthly updates on new offers and investment concepts. View more
accounts 
 How do I know my beneficiary's details for a cheque issued in my name (Basic Savings Bank Deposit Account - Farmers) 
 To know your beneficiary’s details for a cheque issued by you / issuer name for a cheque credited in your account, please contact any of our bank branches. You can refer the cheque deposit slip also for the details. To know about Service charges and fees click here. For more details, Contact Us.
loans 
 Do I need a guarantor for New Car Loans 
 No, but if your income does not meet our credit criteria then you may be required to have a Gurantor/co-applicant. To stand surety for your loan.
cards 
 How does Contactless MultiCurrency ForexPlus card work 
 Your HDFC Bank Contactless Multicurrency ForexPlus card will be activated with the required currencies within 5 to 6 hours from the bank getting the clear funds from you. Once active, 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 Contactless MultiCurrency ForexPlus Card has a chip & a radio frequency antenna embedded. When the Contactless Card is tapped/ waved against the terminal enabled for contactless payments the card transmits payment details wirelessly, eliminating the need to insert it. Account details are communicated to the reader and then processed through the secure Visa/ MasterCard acceptance network in the usual way HDFC Bank Contactless Multicurrency 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 Multicurrency card. HDFC Bank Contactless Multicurrency 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 note that you can select /change your ATM PIN with the help of Prepaid NetBanking facility for Multicurrency Cards.
loans 
 How long will it take to process loan for New Car Loans 
 Within 48 hours of completing documentation. Type of Location End-to-End TAT* Urban Locations 5 Days Semi-urban & Rural Locations 7 Days * End-to-End TAT is Login-to-Disbursement turnaround time* TAT calculated from the day complete loan application received by the Bank
insurance 
 What are the eligibility criteria to avail a Home Insurance policy 
 Any resident Indian who is the owner of the property & which is located in India can purchase a Multi Year Home Insurance Policy.
accounts 
 Is employment confirmation mandatory for me to open a Classic Salary Account 
 Yes, employment confirmation is required to ensure that you are an employee of the company.
insurance 
 How do I renew my Commercial Vehicle Insurance policy 
 We will send you a renewal notice well in advance of your policy expiry date. You need to confirm acceptance of renewal and send your cheque for the premium to us at our correspondence address. You can also renew your policy through the dealer/agent from where you initially bought your policy.
cards 
 How can I check the balance on my HDFC Bank Multicurrency ForexPlus Chip card 
 You can check the balance on all the active currency wallets on Multicurrency card with the help of Prepaid NetBanking facility. Alternately, you can also contact our PhoneBanking services to check the balance on your Multicurrency card.
accounts 
 How does it work 
 The Super Saver Account lets you to withdraw up to 90% of your deposit, just like the liquidity of a Savings Account. There’s no need to break your Fixed Deposit for short term requirements. You can withdraw cash through an ATM or by cheque or teller transactions.
accounts 
 Can I have a Super saver facility and a Sweep-in facility on the same Savings Account 
 It is possible to have both these facilities on the same Savings Account. It is important to note that if there are insufficient funds in your Savings Account, your overdraft limit will be exhausted before units of the Sweep-In Fixed Deposits are used prematurely.
loans 
 Do I need to provide any security or collateral to obtain a personal loan from HDFC Bank 
 No you don’t have to provide any security, collateral or guarantee.
loans 
 Would the shares be held in my name 
 The shares will remain in your name only. A loan against security lets you reap your regular benefits from shares such as rights, dividends and bonuses whilst you take a loan against them.
cards 
 Where do I get this card 
 Hajj Umrah ForexPlus Card is available over the counter at HDFC Bank branches. You simply need to walk into our branch with required documentation and walk out with the card. The card will get activated within 5 to 6 hours from realization of funds.
security 
 Is this option available on all the online transactions 
 This option is available on all websites which are participating in the VBV/MSC/Portectbuy secure transaction protocol.
cards 
 Which are the currencies that can be loaded on the card 
 You can load only one currency i.e. USD on your Regalia ForexPlus Card. However, you can transact in any currency
investments 
 What is FATCA/CRS/KYC 
 FATCA : In January 2013, the United States of America’s (U.S) treasury released the final FATCA Regulations. FATCA requires U.S based financial institutions (FI) as well as foreign financial institutions to identify their U.S accounts and report them periodically to the U.S IRS (Internal Revenue Service) or appropriate governmental authority, in case of Inter-Governmental Agreement (IGA). Non-compliance can result in adverse consequences, including a penal U.S withholding tax, for non-U.S. entities or penalties under the local inter-governmental . CRS : To combat problem of offshore tax evasion, the G20 and OECD (Organisation of Economic Co-operation and Development) countries developed a Common Reporting Standard (CRS).CRS requires financial institutions to collect and report information to their tax authorities about account holders resident in other countries. India has signed CRS agreement on 3rd June 2015. UBO : As per SEBI Master Circular No. CIR/ISD/AML/3/2010 dated December 31, 2010 regarding Client Due Diligence policy, related circulars on anti-money laundering and SEBI circular No. IR/MIRSD/2/2013 dated January 24, 2013, non individuals and trusts are required to provide details of controlling persons [CP] / ultimate beneficiary owner [UBO] and submit appropriate proof of identity of such CPs/ UBOs. The beneficial owner has been defined in the circular as the natural person or persons, who ultimately own, control or influence a client and/or persons on whose behalf a transaction is being conducted, and includes a person who exercises ultimate effective control over a legal person or arrangement. As per regulatory requirement, individual investors and joint holders are required to provide extended KYC details. In absence of the same, transactions may get rejected by AMC/RTA. Joint holders of ISA ( Mutual Fund) accounts may update the same through Update Extended KYC option in NetBanking Request section of Accounts tab. Non-individual customers & HUFs may submit extended KYC details to Branches /Relationship manager. In absence of the same, transactions may get rejected by AMC/RTA
insurance 
 What are Guaranteed Additions under this plan 
 The plan provides you with additional boosters in the form of guaranteed additions where the premium payment term is 10 years or more, provided the policy is in force. The Guaranteed Additions are payable at maturity. These guaranteed additions are declared over and above bonuses. The Guaranteed Additions shall accrue at the end of every policy year as specified below: Policy Term Guaranteed Additions (% of Sum Assured on Maturity) <= 19 years 3 % p.a. for first 5 policy years, nil thereafter >=20 years 5 % p.a. for first 5 policy years, nil thereafter
loans 
 Can I sell my car before I repay my loan 
 No, you cannot sell your car unless you repay your loan. An NOC is required from the financier before you can sell your car.
cards 
 Do I need to mandatorily register 
 Yes, to avail the offers and earn times points you need to register and activate the account.
insurance 
 Will HDFC ERGO General Insurance give me an advance on the basis of a damage estimate under the Motor Insurance policies 
 No, your vehicle must first be repaired, after which we will reimburse the amount payable to you or pay the garage directly in the case of cashless settlement under your policy.