GhulamShabbirKhan/BankFAQs huggingface dataset:
insurance 
 What are the guaranteed benefits that are there in the policy 
 The Product offers two types of guaranteed benefits: 1. Guaranteed Additions – 3% to 5% of ‘Sum Assured on Maturity‘ accrue during first 5 policy years, payable at maturity or death, whichever is earlier, provided the policy is in force Policy Term Guaranteed Additions (% of Sum Assured on Maturity) 15 years to 19 years 3 % p.a. 20 years to 24 years 4 % p.a. >=25 years 5 % p.a. 2. Sum Assured on Maturity – 100% of 'Sum Assured on Maturity' is payable at maturity, provided the policy is in force.
cards 
 What should I do in the case of a void transaction for Gold 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 
 What will my family receive in case of my unfortunate demise 
 In case of the Life Assured’s unfortunate demise, the nominee will receive the higher of the following: Sum Assured, Fund Value, 105% of the premium(s) paid.
cards 
 Where do I get this card 
 ForexPlus Chip 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 Chip 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.
cards 
 Can I load ForexPlus Chip Card by making payment in Cash 
 No, ForexPlus Chip Card cannot be loaded against payment of cash.
security 
 How can I obtain an IVR Password  
 By Sending SMS request: Send an SMS 'PWD<space>1234' to 9717465555 or to 5676712 from your registered (with Bank) mobile number.(Note: 1234 are the last 4 digits of your HDFC Bank Credit Card number). You will receive an SMS with the IVR password on the same number. From HDFC Bank Website: If you have registered your card for NetSafe/ Verified by Visa/ MasterCard SecureCode, you can also login in to your NetSafe/ Verified by Visa/ MasterCard SecureCode account and use the Generate IVR Password option available on the left menu. The IVR password will be sent to your registered mobile number and email ID. These are the most convenient and recommended options. To ensure convenience, make a note of the IVR password and keep it handy while performing the transaction. Note: Kindly ensure that your latest mobile number and email ID is updated with us. Premium SMS charges as per your mobile service provider will apply for an SMS sent to 5676712 View more
investments 
 How are Mudra Pure Gold Bars different from 24 carat gold available in market 
 There are three different purity levels in 24 carat gold; i.e. 99.50%, 99.90% and 99.99%. HDFC Bank Mudra Pure Gold Bars are 24 carat, 99.99% pure. This is the highest available purity in gold. The normal level of purity commonly available with local jewelers is 24 carat 99.5% pure. In some cases the purity is level is 99.9% pure.
insurance 
 What is the Surrender Benefit 
 If you surrender before completion of the 5 years from commencement of the policy, your fund value, less discontinued charges, will be moved to the 'Discontinued Policy Fund'. The amount allocated to the 'Discontinued Policy Fund', with accrued interest, will be paid out on the completion of the lock-in period. Discontinuance charge will be deducted. If you surrender after completion of the 5 years from commencement of the policy, your fund value will be paid out immediately. Upon payment of this benefit, the policy terminates and no further benefits are payable. Please refer to product brochure for details
insurance 
 Are there any tax benefits available 
 The premiums paid by you are eligible for tax benefits under Section 80CCC of the Income Tax Act, 1961. Up to 1/3rd of the policy proceeds can be taken as tax-free commuted value, as prescribed under Sec 10 (10A) of the Income Tax Act, 1961.
accounts 
 Can NetBanking facility (financial rights) be enjoyed by  authorized signatories in the Institutional Savings Account 
 Yes. We do offer NetBanking financial rights to authorized signatories. You need to fill up an application form along with a Board Resolution in order to avail this facility.
cards 
 I'm not a traveller, can I still benefit from the Regalia ForexPlus Card 
 The Regalia ForexPlus Card is only for travellers, and cannot be issued to non-travellers.
cards 
 How to set Prepaid NetBanking Login User ID / Password for the first time 
 You may have received IPIN or Activation Code in the kit provided to you. The Activation Code will be printed on the card mailer below the card whereas the IPIN will be printed on the PIN mailer along with ATM PIN. The Activation Code / IPIN is required to set your NetBanking Password for your Multicurrency card for the first time. Following steps should be followed for setting NetBanking User ID / Password for the first time using Activation Code / IPIN: Visit HDFC Bank website and select Prepaid NetBanking Enter the Card Number in User ID/Card Number field and the Activation Code / IPIN (mentioned in the PIN mailer) in the Password field. Input User ID of your choice for future login purpose Select the secret question from a dropdown menu and provide the answer Mention the new Password and reconfirm the same With the new User Id and Password you can then login to access your card account
insurance 
 What happens if premiums are not paid 
 In case the Policyholder has not paid the premium by the expiry of the grace period, he/she will have the 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 only 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 applicable Discontinuance 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 partial Payments be made on Recurring Deposits 
 Partial payments are not possible.
insurance 
 What is the policy term available under the plan 
 Policy Term of 10 to 40 years is available under the plan.
cards 
 How much Foreign exchange can I load into the card 
 You can load the currencies as per the limits prescribed by FEMA guidelines.
cards 
 If I get a new card (reissue), will my Times point carry forward 
 Yes, your accumulated Times point will be carried forward to the new card.
investments 
 What is the difference between the Non-ASBA IPO process and the ASBA 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. Under the ASBA 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.
cards 
 How is My Reward Calculated 
 The Participating Rewarding Merchant contributes a reward that is calculated using the total purchase price, including taxes, less credits for returns or cancellations, for qualifying purchases.
cards 
 How much am I going to be charged yearly for Times Points Debit Card 
 The annual charges for Times Points Debit Card is Rs. 650/- +Taxes applicable.
cards 
 What are the Debit Card transaction fees if I swipe my card at Petrol pumps or Railway stations 
 The following are the transaction charges applicable when you use the Debit Card at: Petrol pumps: Rs. 10 or 2.5% of the transaction amount (whichever is greater). Railway Stations: Flat charge of Rs. 30 per ticket + 1.8% of the transaction amount. IRCTC: Transaction charge of 1.8% of the transaction amount Please note that there are no transaction fees applicable at other merchant locations. These charges attract a Service Tax and an Swachh Bharat Cess as applicable, in terms with the current Finance Bill. View more
insurance 
 Can a Travel Insurance policy be extended 
 Extensions are applicable to original policies of 30 days or more and provided the policy is still in force.
loans 
 How can I get my address changed in my loan account 
 In order to change your address in our records, you may visit the nearest Retail Loan Service Center (Link to open )and submit the following documents: Request form for Address Change. Self Attested copy of your revised address proof along with the original address proof for validation. 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.
insurance 
 Is sum assured a death benefit 
 Sum is assured for the vesting benefit. Death benefit is all the premiums paid till date @ 6.p.a. compounded.
cards 
 What are the transaction limits for Titanium Debit Card 
 The daily limits are Rs. 50,000 at the ATM and Rs. 1.75 lacs at merchant locations. This is subject to the balance in your account, and is for your account security.
insurance 
 Can the policy be cancelled 
 The policy may be cancelled via request on Email/Fax. The intimation of cancellation has to reach us within 14 days of policy issuance. If the policy has already incepted, a copy of all 40 pages of the passport needs to be submitted as a proof that the journey has not been undertaken. Cancellation charges of Rs. 250/- shall be applicable and the balance shall be refunded.
insurance 
 What is the maximum amount I can invest 
 There is no limit on maximum amount that you can invest under this plan, subject to underwriting.
accounts 
 What are the documents required to open a Women's Savings Account 
 To open a Savings Account you have to: Submit your identity proof and address proof along with your latest passport size photographs Submit self-attested copies and originals for verification View more
insurance 
 What is the minimum and maximum deductible in this plan 
 You can choose minimum of Rs. 2,00,000 and maximum of Rs. 5,00,000 aggregate deductible in this policy.
cards 
 Can I Login to Check My Account 
 You may check your accrued awards by logging in on the website or mobile app. However, please be aware that it generally takes up to 1-3 days for the points earned to reflect in your Thanks Again membership account and 2-3 weeks for your accrued awards to be posted to your member statement with your Participating Reward Provider.
insurance 
 Who can be a beneficiary under the Accidental Protection Plan - Hospital Cash 
 A beneficiary can be any member of your family.
insurance 
 Can I change my maturity/death benefit options during the policy term 
 No. You choose your maturity benefit option and death benefit option at policy inception and they cannot be changed during the policy term.
insurance 
 How can a policyholder track the performance of a policy fund 
 You can also track the daily NAV of your funds on our website or check them in leading newspapers.
insurance 
 What is Extra Life Option in the policy 
 You can opt for Extra life Option under Classic Benefit under the plan. In case of death due to accident during the term of the policy, an additional Sum Assured will be payable to the Nominee in addition to the Death Benefit under the Plan. Please refer to product brochure for further details and/or consult Relationship Manager.
insurance 
 What is the difference between 3D Life and 3D Life Long Protection options 
 In addition to the benefits under 3D Life Option, Life Assured is covered for whole life under 3D Life Long Protection option. Premiums under this option have to be paid only till an age of 65.
accounts 
 What are the key features of Payment gateway of HDFC bank 
 - Acceptance of online payments through cards/ NetBanking and IMPS - Value Added Services such as EMI (Easy Monthly Instalment), Standing Instructions (for recurring payment), IVR (Interactive Voice Response System), intelligent online reporting of success/failed transactions, dynamic routing across gateways to ensure best success rate, tokenisation etc - All the above on a plug & play model with simple documentation and T+1 settlement thereby enabling faster business go-live and better funds management - One of industry’s best risk monitoring capability - Dedicated in-house service team for all time support
insurance 
 What is covered under Delay of Checked Baggage 
 This will reimburse the insured person on the cost of replacement of articles if the Checked-in Baggage or Personal Documents are delayed or misdirected.
accounts 
 Will I be entitled to the same kind of benefits on this account as my Salary account 
 The features & benefits on the Reimbursement account are as follows: Click Here for features & benefits on the Reimbursement account.
insurance 
 What documents do I need to submit when buying Insurance for my vehicle 
 All you need to submit is a signed proposal form, in certain cases you have to submit some additional documents, if required.
accounts 
 What is the offer for Salary Account under Smartup programme 
 No minimum requirement of number of salary accounts and Average salary to be more than Rs. 25,000 - Zero Balance Salary Account ,Free payable at par cheque book -Platinum Debit Card with higher limits for cash withdrawal at ATMs and usage at shopping outlets - Corporate Microsite (Whenever applicable) – a customised webpage highlighting our offers for company’s employees at no cost. - Online investment and Loan facility. - Cashback of Re.1* for every Rs.100 spent at merchant outlets.
loans 
 How do I obtain a NOC from the bank if I have lost my Registration Certificate book for a vehicle under finance with HDFC Bank 
 You may obtain the NOC for a duplicate Registration Certificate book for your vehicle loan, by visiting any of our Retail Loan Service Center and submitting the following documents: Request form for applying for the required NOC. Self-attested copy of the Registration Certificate book, duly self-attested by you for validation. Copy of FIR or certificate from police or Acknowledgement from Police on written complaint with General Diary No. Applicable fee of Rs. 500/- vide a cheque/payorder/demand draft favouring HDFC Bank Ltd Loan Account No. << >>. In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.
accounts 
 What is the initial deposit amount required to open the Flexi Account 
 The initial deposit amount to open a Flexi Current account is Rs.75,000.
insurance 
 Can the plan be offered under limited underwriting 
 The plan can be applied by filing in the Short Medical Questionnaire (SMQ), which may not require you to go for medicals.
investments 
 Who do I inform about change of name/address/status/signature, etc. 
 You should intimate your change of name/address/status/signature, etc. to any convenient PoS. You need to quote your PAN and submit proof (in case of a new address). You should provide at least 10 days for the change of address to take effect with all the Mutual Funds where you have investments. Please note that you should not write to the Mutual Fund or its Registrar for the change of address (unless as a designated PoS). The specified form can be obtained from the AMFI/Mutual Fund/CDSL website. All details of the holders in the Mutual Fund records will be replaced by the address details available in the CVL record.
accounts 
 Can TDS be recovered from my principle of the FD 
 If the interest amount is not sufficient to recover TDS, the amount is taken from the principal of the deposit.
cards 
 What do I need to know about ISIC HDFC Bank ForexPlus Card 
 Embedded with a chip, this ForexPlus card offers you a convenient and secure way to carry your Forex. With the ISIC HDFC Bank ForexPlus card you can shop anywhere in the world.
investments 
 In what size and shape are the Mudra pure Gold Bars available 
 Mudra Pure Gold bars are available in rectangular form.
cards 
 How do I activate e-commerce on my card 
 Follow 2 simple steps: Step 1: Log on to Prepaid Card Net Banking. Step 2: Enable your e-commerce transaction facility to make purchases.
loans 
 Do I need a guarantor for Pre-owned Car Loans 
 No, but if your income does not meet our credit criteria, then you may be required to have a guarantor to stand surety for your loan.
cards 
 Are there extra charges NRO Debit Card 
 There are absolutely no transaction charges when using your card at a merchant location. Just remember that at petrol pumps and railways you will be charged as per industry practice.
accounts 
 What are the documents required to open a salary account 
 To open a Salary Account you have to: Submit your identity proof and address proof along with your latest passport size photographs Proof of employment (Company ID Card / Appointment letter / Company Introduction through Introduction Letter OR attestation on Account opening form) Submit self-attested copies and originals for verification View more
cards 
 Can a non-traveller purchase ForexPlus Card 
 No. ForexPlus Cards can only be issued to travellers. A ForexPlus Card is valid for making payments in countries other India, Nepal and Bhutan whenever you are using your card you must be present at the place of transaction and have to sign the charge slips. As you are a non-traveller you cannot be present at the time of the transaction processing. Hence, ForexPlus Platinum Cards cannot be issued to non-travellers.
accounts 
 Can I have a Super Saver Facility and a Sweep-in Facility on the one Fixed Deposit 
 This isn’t possible. You can only have one of these facilities on a single Fixed Deposit.
loans 
 How does a Salary Account help me get a personal loan 
 You get a preferential rate of interest and processing fee, speedy processing and minimal documentation if you have a Salary Account with HDFC Bank. This is taken into account at the time of disbursal of the loan. You can pay through a Standing Instruction to debit your HDFC Bank account with the EMI amount.
investments 
 Will HDFC Bank buy back the gold sold by them 
 HDFC Bank does not buy the gold sold by them.
cards 
 What should I do in the case of a void transaction Imperia Platinum Chip 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 .
cards 
 What if I don’t have sufficient balance in the wallet corresponding to currency of transaction 
 If the balance in your wallet corresponding to currency of transaction goes down then your Card checks for balances in the other currency wallets and transaction is processed by debiting the currency wallet with sufficient balance by converting the wallet currency into the currency of transaction. In this case currency conversion charges are applicable. Please note that in such a scenario entire transaction amount would be debited from currency wallet with sufficient balance.
accounts 
 What are the tenure options 
 The choice is yours. You can choose from any of our repayment options - 12, 18, 24, 30, 36 or 48 months, all specially designed to suit your requirements.
investments 
 Can an investor give a COA (Change of Address) along with a redemption request 
 Redemption request is given to the investor service centre while the change of address (if KYC process has been previously completed) has to be given to a KRA. The change of address will be effected by CVL and informed to the Mutual Funds. As it will take 10 days for this process to be completed, the redemption transaction accompanied by a change of address request, is likely to be processed without effecting the change of address request.
loans 
 How do I obtain a NOC from the bank for settling a partial loss Insurance Claim for a vehicle under finance with HDFC Bank 
 You may obtain the NOC to settle the partial insurance claim in your favour, provided there are no outstandings to your loan account, by visiting any of our Retail Loan Service Center and submitting the following documents: Request form for applying for the required NOC. Original Insurance Policy(will be returned back to you at the centre, post validation). Copy of the Insurance Policy, duly self attested by you. Claim Voucher provided by Insurance Company Applicable fee of Rs. 500/- vide a cheque/payorder/demand draft favouring “HDFC Bank Ltd Loan Account No. << >>. In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer, i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided. Note, for Total Loss, Claims will be settled in favour of the Bank to close the loan based on the Loan Pre-Termination Statement as on the date of request and in case of any excess claim received from the Insurance Company, a refund will be made favouring the customer. View more
insurance 
 Is there any protection cover in this plan 
 Yes. In case of the Life Assured’s unfortunate demise, the nominee will receive the higher of the following: Sum Assured, Fund Value, 105% of the premium(s) paid. The Sum Assured for your policy will be as follows: Single Premium 125% of Single Premium Regular & Limited Premium (Age at Entry <= 55 years) 10 x annualized premium Regular & Limited Premium (Age at Entry > 55 years) 7 x annualized premium
insurance 
 What is Critical Illness Insurance 
 Critical Illness Insurance is a policy that pays out a lump sum amount up to the sum insured upon diagnosis of a critical illness covered under the policy.
insurance 
 What is the difference between Income and Income Plus Option 
 On the death of the Life Assured under Income Option, 10% of the death benefit is paid as lump sum upon death and the remaining 90% of the death benefit shall be paid as monthly income over next 15 years. On the death of Life Assured under Income Plus Option, 100% of the death benefit is payable as a lump sum benefit and a monthly income of 0.5% of sum assured is paid for 10 years. Also in this option, there is an option to choose Level Income or Increasing Income.
insurance 
 How do I make my premium payments 
 This is an annual policy, where the premium can be made via Credit Card or Cheque
insurance 
 What is the Policy Term available in this plan 
 Capital Shield provides a Policy Term of 10 years.
cards 
 Can the value of the Card be topped up 
 Top-ups or reloads can be carried out in 2 ways a) You can authorize the Bank to debit your account by giving an HDFC Bank cheque, cash or a local cheque drawn on HDFC Bank to reload the Card. b) The Card can also be reloaded by another person, authorized by you to reload your Card. The authorized person will need to visit the HDFC Bank branch with the money and will need to provide the necessary documents to the bank. On receipt of the application form and the funds, your Card will be reloaded with the desired amount.
investments 
 Can I cancel/ modify my bid placed under ASBA during the bidding period 
 Yes, you can place a cancellation request or modify your order anytime during the bidding period. After successfully processing your cancellation request, the money will be unblocked in your bank account. For more information visit www.hdfcsec.com or get in touch through email on