GhulamShabbirKhan/BankFAQs huggingface dataset:
insurance 
 How do I choose from options available under this plan 
 At policy inception, based on your child’s future needs you can choose one of the three available Maturity Benefit Options. These options are: a) Aspiration: if you choose this option, you will receive a lump sum payout the end of your policy term. You can use this money to fund your child’s marriage or any other large expense.b) Academia: if you choose this option, you will receive guaranteed payouts during the last 5 policy years. The first guaranteed payout shall be higher than subsequent guaranteed payouts. You can use these payouts to fund your child’s college education in future.c) Career:if you choose this option, you will receive guaranteed payouts during the last 5 policy years. The last guaranteed payout shall be higher than previous guaranteed payouts. You can use these payouts to fund your child’s schooling or college expenses in future. Also at policy inception, based on the level of protection you need for your child’s financial planning, you can choose one of the two Death benefit options. These options are: a) Classic: in case of unfortunate demise of life assured during the policy term, the nominee receives Basic Death benefit + accrued Guaranteed Additions + accrued Bonuses, if any. After the payment of death benefit, the policy terminates.b) Classic Wavier:in case of unfortunate demise of life assured during the policy term, the nominee receives Basic Death benefit. All future outstanding premiums under the policy will be waived. The contract shall continue and the benefits as per Survival benefit and Maturity Benefit shall be available. Where Basic Death benefit is defined as higher of: Sum Assured on Death 105% of Premiums paid 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
cards 
 How secure is making payment through Regalia ForexPlus Card 
 Much more secure than carrying cash. Regalia ForexPlus Card uses the same secure technology as chip & PIN so you can feel totally confident when you are using it to pay. Our technology uses the chip on your card to generate unique cryptograms and digital signatures to protect your payments.
cards 
 How do I know if an ATM will accept my ForexPlus Chip Card 
 ForexPlus Chip cards are accepted at Visa / MasterCard ATMs. Please look out for the VISA/PLUS/MasterCard logo while searching for ATM.
insurance 
 Can I save tax by investing in this policy 
 Premiums paid by an individual or HUF under this plan are eligible for tax benefits under Section 80C of the Income Tax Act, 1961, subject to the conditions/ limits specified therein. Under Section 10 (10D) of the Income Tax Act, 1961, the benefits received from this policy are exempt from tax, subject to the conditions specified therein. Please note that the above mentioned benefits are as per the current tax rules. Your tax benefits may change if the tax rules are changed. You are requested to consult your tax advisor.
insurance 
 What are the fund options 
 The plan offers 8 Funds (including 4 New Funds) of varying risk and return profiles. The Policyholder has the option to choose any one or more funds based on his/her Risk Appetite. The Fund Options available under the Plan are Equity Plus Fund, Diversified Equity Fund, BlueChip Fund, Opportunities Fund, Balanced Fund, Income Fund, Bond Fund and Conservative Fund
cards 
 Do I need to have an HDFC Bank account to purchase an HDFC Bank Giftplus card 
 No, you dont need to have an HDFC Bank account to purchase a Giftplus card. Simply walk into any HDFC Bank branch in India, submit your KYC documents and purchase an HDFC Bank Giftplus card over the counter.Mode of payment : Cheque/DD
cards 
 Where do I get this card 
 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 ForexPlus card. The card will get activated within 4 hours from realization of funds. Alternatively, the customer can apply for card through NetBanking login also.In case the customer applies the card through NetBanking the card will be delivered to the customer within 2 working days. This facility is available at select locations only.
loans 
 What happens if the car meets with an accident 
 In the event of an accident, the first step is to inform the insurance company. The company then sends a surveyor to assess the extent of damages to the car. Your claim is then processed and paid directly to us, unless you have taken an NOC from the bank in which case the payment will be made by the insurance company in your favour. The bank normally gives you an NOC if you are regular in your payments. In case of a complete loss, the bank will receive the payment directly from the insurance company.
accounts 
 Does HDFC Bank offer preferential rate of interest on Fixed Deposits for Senior Citizens 
 We offer preferential rate of interest on Fixed Deposits for Senior Citizens. If you are a senior citizen, all you need to do is register as one by calling any Branch with proof of your Date of Birth. Once registered as a Senior Citizen, you are eligible for preferential rates of interest on Fixed Deposits opened through NetBanking as well. Click here to Interest Rates on Fixed Deposits. The Fixed Deposit will be booked in the same combination/ order of names as the existing Current/Savings account, from which the funds are being transferred. View more
cards 
 How soon can I use the card after I have purchased it 
 Your card will be activated with the loaded amount within a few hours after the bank has received clear funds from you. Once activated, the card is ready for use.
insurance 
 What are the charges under this policy 
 Premium Allocation Charge:This is a premium-based charge. After deducting this charge from your premiums, the remainder is invested to buy units. The remaining percentage of your premium is called the Premium Allocation Rate. The Premium Allocation Rate and Premium Allocation Charge are given in the table below. Single Premium Single Premium Top-Ups Premium Allocation Rate 97.50% 99% Premium Allocation Charge 2.50% 1% Fund Management Charge (FMC): The daily unit price already includes the fund management charge of 1.35% per annum charged daily, of the fund’s value. Policy Administration Charge: The Policy Administration Charge is 0.13% per month of the total premiums paid (including any single premium top-ups).The charge will be deducted monthly, subject to a maximum charge of Rs. 500 per month. This charge will be taken by cancelling units proportionately from each of the fund(s) you have chosen. Mortality Charge:Every month a charge will be levied for providing you with the death cover in your policy. The amount of the charge taken each month depends on your age and level of cover. This charge will be taken by cancelling units proportionately from each of the fund(s) you have chosen. Miscellaneous Charges: You may be charged for Additional Servicing Request(s). Contact your Relationship Manager for further details *Statutory Charges – Service Tax and Education Cess is payable at the applicable rates for all unit linked products.
cards 
 If I am having two member Id can I merge both the IDs and points 
 No, 2 IDs cannot be merged. The Times Points Debit Card linked Times Points account will be based on your HDFC Bank registered email id. You will have to use the same account to do activity and accumulate times points.
cards 
 How can I cancel my Regalia ForexPlus Card 
 To cancel your Regalia ForexPlus Card, we request you visit our your nearest HDFC Bank branch or contact your RM 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. In case 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 Regalia ForexPlus Card. However, Service tax on currency conversion, as applicable from time to time will be deducted at the time of providing credit to you.
loans 
 How much time will it take to change the mode of repayment/ account for repayment of my loan 
 It will take 25 working days to activate the revised instructions. In case your next installment falls due prior to the said date, instruction already lodged with us will be presented for payment.
accounts 
 If I have a joint Super Saver Account, can both account holders get an ATM/Debit card 
 Both account holders can get an ATM / Debit Card, but a maximum of two cards are given for each Super Saver Account.
cards 
 What documents should I submit when I purchase an HDFC Bank Giftplus card 
 If you are an existing HDFC Bank Current or Savings Account holder then you just need to submit the Giftplus card application form. If you are not an existing HDFC Bank Current or Savings Account holder then you need to submit the Giftplus card application form along with your ID proof and address proof.
cards 
 What should I do if my Regalia ForexPlus 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 Phone Banking 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
loans 
 How much finance can I avail of on Pre-owned Car Loans 
 You can borrow up to 85% of the car valuation
insurance 
 What are the documents required 
 Please refer Policy wordings for exhaustive list of claims documents required. We will not ask for anything over and above the list given in Policy.
investments 
 What are the schemes available to the customers 
 Only select schemes of select AMC's are currently available for transactions done through NetBanking. The list of the schemes is available on the HDFC Bank's website.
accounts 
 What are the eligibility criteria for Personal Accident Death Cover 
 Eligibility: The following are the broad Terms & Conditions of the captioned cover on salary account and Titanium Royale Debit card Accidental Death resulting from bodily injury due accident only (for Defence: under civilian condition (off duty) ) Accidental Death resulting from bodily injury which directly and independently of all other causes results in Death within twelve (12) months of the event date On the event date, the account holder Is a bonafide employees (aged less than 70 years ) of the organization to whom the specific offer has been extended Is holding a Salary Account under the Corporate Salary Account Program with HDFC Bank and has received salary credit in the month or month prior Should have carried out at least one purchase transaction using the Debit Card, within 6 months prior to the date of loss. In case of Air Accidental Death claim ticket should have been purchased using Debit Card linked to Salary Account Cover provided only to the primary account holder
loans 
 What are the charges I need to pay to foreclose my loan 
 You may refer to the Fees & Charges option under the product Loan Against Property and Loan Against Rental Receivables.
insurance 
 What is the premium frequency available under policy 
 The premiums can be paid annually, half-yearly, quarterly and annually.
insurance 
 What is Top up option 
 This option provides for a systematic increase of your cover from 1st policy anniversary onwards. This option is available under all plan options and has to be opted at policy inception.
investments 
 Is there a charge I need to pay to get myself KYC Compliant 
 Currently, KYC is done for free of cost.
insurance 
 How will I know my Home Insurance policy is due for renewal 
 The renewal notice for a home insurance policy is sent 30 to 45 days in advance of the expiry of the policy.
accounts 
 What are Payment Solutions available 
 I. Digital Payments a. Payment Gateway - Complete Internet-based payment processing and management solutions for all cards issued in India and abroad - An integrated, flexible, rule-based, proactive risk management system that supports evaluation of transaction activity - Highly reliable uptime and best transaction success rate - Scalable to process millions of transactions per month on a real time basis - In-house dedicated helpdesk to resolve queries b. POS - Avoid hassles of cash &cheque collection & management - POS, mPOS, GPRS variants available - Low on-boardingtime II. Bulk Payments I. e-Banking solutions (E-Net)-Online platform for bulk remittances within and outside the bank II. Salary/Vendor payments –An integrated platform to make bulk payments to your employees/vendors III. Tax Payments Designated bank to collect Direct & indirect taxes
investments 
 Is it possible to bid for an IPO under ASBA as well as under non-ASBA 
 No, it isn't. Only one application per IPO is allowed, either through ASBA or non-ASBA. Multiple applications are liable to be rejected because the same PAN Card cannot be used for more than one application.
loans 
 Which course related expense does this loan cover (Education Loans For Indian Education) 
 Apart from the basic course fee payable to the institution where you decide to study, the following expenses will be covered under the loan: Exam/Library/Lab fees Caution deposit / Refundable deposit asked by the institution / Building fund - supported by Institution bills / receipts Purchase of Books/equipments/instrument/uniforms Travel expenses/passage money for studies abroad Purchase of computers - essential for completion of the course Insurance Miscellaneous expenses related to the course - like study tours, project work, thesis, etc. View more
cards 
 Can the value of the card be topped up 
 Yes, your ForexPlus Card can be reloaded 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 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 services. Incase the Card is issued by your corporate/employer, reload requests received through them will be acted upon by HDFC Bank. View more
security 
 How do I register my Mobile number for IVR Password  
 Please call our Customer Service Centre and ensure that your mobile number is updated in our records.
loans 
 What are the loan tenure options for Business Loan 
 You can repay your loan over a period of 12 to 48 months
loans 
 How much finance can I avail of 
 The minimum loan amount is Rs. 20,000 and the maximum is Rs. 1.5 Lacs. But you can borrow up to 85% of the ORP depending on the model.
accounts 
 How to open a Recurring Deposit 
 Recurring Deposits can now be booked through NetBanking. Following are the steps for booking your Recurring Deposit online: Access your NetBanking account with your Customer ID and IPIN (NetBanking Password) Select Open Recurring Deposit option under the Recurring Deposit menu from the Menu bar located on the left hand side of the web page Select the desired values from the Drop-down lists Once complete, click on Continue and Confirm the details entered
cards 
 What if I Forget my Activation Code / IPIN 
 Incase you have forgotten your Activation Code/IPIN, you are requested to kindly call HDFC Bank PhoneBanking and place in a new request for IPIN, which will be sent instantly to your registered Email ID / Mobile number.
accounts 
 What is the procedure to add / cancel / modify a nominee in my locker 
 You will need to fill up the following forms and submit it to your locker branch. The forms are available in the Forms centre section of our website.- For addition of a nominee: Form SL1 (sole hirer) / SL1A (joint hirer)- For cancellation of nomination: Form SL2- For change of nomination: Form SL3 (sole hirer) / SL3A (joint hirer)The branch will assist you after the form has been submitted by you. For more details, Contact Us.
insurance 
 What if I don’t/miss to pay premiums even in the Grace period 
 In the event of non-payment of premiums due under the policy by the expiry of the grace period, the policy will lapse with effect from the premium due date. The cover will cease and no benefits will be payable in case of lapsed policy.
investments 
 How can I use Mobile Banking to manage my Mutual Funds account 
 We request you to follow the steps mentioned below to access your Online Mutual Fund details: Log on to the HDFC Bank NetBanking Site - Using your Customer ID and Password (Please use the NetBanking password) Click on the Mutual Fund Tab - 6th tab on the top right corner The Mutual Fund account number generated for you will reflect on the screen On the Left Hand side of the screen, various options like New Fund Offer, Purchase, Redeem, Switch, etc. are available You can click on any of the options and the relevant screen will be available to execute the desired transactions Your Mutual Fund Account Number will be available in a drop down. You can select your Mutual Fund account number and start transacting. View more
cards 
 Which currencies can I carry on the card 
 You can carry following currencies on your HDFC Bank Multi Currency ForexPlus Platinum Card - Australian Dollar, United Arab Emirates Dirham, Canadian Dollar, Euro, Japanese Yen, Singapore Dollar, Sterling Pound, Swiss Franc, Swedish Krona and US Dollar.
accounts 
 Where can I register for HDFC Bank’s NetBanking facility 
 In case you are not registered for the NetBanking facility, we request you to visit the following URL. Click here for how to register:
cards 
 What if the customer is passing by a terminal and a Contactless transaction takes place 
 The Contactless technology works when the card is waved at a maximum range of 4 cms. Hence, even if the customer is at a small distance from the terminal, no accidental transaction can take place, Plus the cashier must first enter the amount on the PoS machine before the card is tapped/ waved and the payment is processed
accounts 
 How is an Institutional Current Account  different from a Regular Current Account 
 An Institutional Current Account includes the following privileges: Free limit of Rs. 50 Lakhs per month for cash deposits at your home branch Free and faster collection of outstation cheques at HDFC Bank locations Free Demand Drafts and Pay Orders Free RTGS and NEFT Collections and upto 25 transactions free for NEFT/RTGS payments. Free BillPay and InstaAlerts Free Business Debit Card These features make an Institutional Current Account different from a Regular Current account.
cards 
 Is there a fee levied for the use of the card 
 No, there is no charge on the usage of the card. However, there are charges for reissuance.Any Surcharge on account of card usage would be applicable on this card and is Nonrefundable by Bank
cards 
 How do I get the NetBanking PIN 
 Please note that the Bank does not provide NetBanking PIN (IPIN) for your HDFC Bank Multi Currency ForexPlus Platinum Card. You need to set the IPIN online by using HDFC Bank Prepaid Card NetBanking service. In future also you can use the NetBanking service to reset your NetBanking PIN.
cards 
 Are there any transactions for which I cannot use the Card 
 HDFC Bank eGiftPlus Card can only be used on e-commerce websites. This Card will not be usable on websites which are restricted by the Govt. of India.
insurance 
 What is the entry & exit age for this policy 
 One can be a proposer under the Policy from the age of 18 years to 65 years. You can insure your children from the age of 91 days to the age of 23 years.
cards 
 What is the HDFC Bank Hajj Umrah ForexPlus card 
 The HDFC Bank Hajj Umrah ForexPlus card is an embedded Chip based Prepaid Forex card introduced in partnership with VISA International. It is the first card exclusively designed for Hajj Umrah pilgrims to carry currency in a convenient and secure way. The card holders are also entitled for exclusive discounts & gift voucher at select merchant outlets in Saudi Arabia. The card can be used at all VISA ATMs and merchant establishments worldwide. This card cannot be used for payments in India, Nepal or Bhutan.
insurance 
 How many members can be included under the Family Plan of the Revive Policy for Personal Accident 
 You can include your spouse and up to 2 children under the Family Plan.
loans 
 Which courses can I take an Education Loan for 
 You can take an Education Loan for the following: Engineering/MS MBA/PGBM Medical Hotel Management *Other courses may be considered on a case to case basis
investments 
 What is the authenticity proof 
 The silver bar is packed in tamper-proof certicard packs that are seen through at the manufacturing stage itself to prevent any damage / theft during transit. Moreover, the silver bars sold by the Bank come with an Assay Certification indicating the highest quality of silver at 99.99% purity as per international standards.
fundstransfer 
 What information is required to use the e-monies NEFT service 
 To use this service, you should provide the beneficiary details (name and account number), and the name and IFSC of the beneficiary bank branch.
investments 
 How will I receive the Dividend Pay amount 
 You will receive the Dividend Pay amount through a Direct Credit by the AMC in your Savings Bank Account mentioned in Investment Services Account opening form.
loans 
 How long is the tenure of the loan (Education Loans For Indian Education) 
 The maximum tenure of the loan can be 7 years, including the Moratorium period.
insurance 
 Do I have the option to avail a loan under the policy 
 No, the policy does not provide any loan facility.
cards 
 What is the procedure to replace a damaged Debit Card 
 We request you to contact the Bank using Phone Banking (available 24x7), where you can Hotlist your card immediately and simultaneously request for re-issuance of a new card. You may also submit a written instruction at the nearest branch to hotlist and re-issuance of ATM / Debit Card. Replacement/Reissuance Charges for Debit Cards - Rs. 200 + applicable taxes (W.e.f 1st Dec’16). For more details, Contact Us. View more
insurance 
 What is the HDFC Life Cancer Care Policy 
 HDFC Life brings to you a comprehensive Cancer Care plan that provides financial protection for both early and major stage of cancer with several unique features like: This is a plan that not only gives pay outs but also a waiver on premium for the next 3 policy years on diagnosis of early stage of cancer There is an increased benefit where the Sum insured under the policy increases every year under the Gold and Platinum option. Also, there is an income benefit under the Platinum option
insurance 
 Can I also include my parents and parent- in-laws in this policy 
 Yes, you can include your parents and parent- in-laws in the same Policy on an Individual Sum Insured basis and in a separate Policy on floater Sum Insured basis.
cards 
 Do I need to pay additional amount over and above Cash withdrawal Charges levied by the HDFC Bank for ATM transaction 
 In certain countires ATM Service providers are authorized to charge surcharge/convenience fees from the cardholders for accessing the ATM to withdraw money. These charges are levied by the ATM service provider over and above the charges levied by the HDFC Bank, and HDFC Bank bank has no control over the charges as these charges are not levied by the bank. These charges are normally displayed to the customer during the transaction and the customer has the option to either proceed with the transaction or abort if the charges are not acceptable to the customer. View more