GhulamShabbirKhan/BankFAQs huggingface dataset:
insurance 
 What is the HDFC Life Assured Pension Plan 
 The Assured Pension Plan is a Unit Linked Pension Plan recently launched by HDFC Life. This plan aims to help you plan for a steady income source for retirement. You can choose from a variety of Premium paying & policy term options as per your comfort and plan your retirement. HDFC Life APP provides you the benefit of equity participation with the comfort of a capital guarantee. To boost your fund value, you also have the pension multipliers that are added to your fund post 11th year.
insurance 
 What happens to the home insurance policy if the insured house is sold 
 From the time the transfer of ownership becomes effective, the policy stands cancelled and the insured ceases to be an insured under the policy. We will then refund the premium for the balance of the insured period.
insurance 
 What happens if Premiums are not paid 
 This plan has a grace period of 30 days. You are expected to pay your annual premium through-out the policy term. Discontinuance before completion of 5 years from commencement of the policy: If you have not paid your premium by the expiry of the grace period, then you 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 Your policy will be discontinued if: You do not exercise any of the above mentioned options; or You choose to completely withdraw from the policy without any risk cover Until the discontinuance of the policy, the risk cover will remain in-force and policy charges will continue to be deducted. Once the policy is discontinued, the risk cover will cease and the fund value (as on date of discontinuance) less the applicable Discontinuance Charge (Please see the Charges section for details of the Discontinuance Charges) will be moved to the 'Discontinued Policy Fund'. 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. 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. Any excess income earned in the discontinued fund over and above the minimum guaranteed interest rate shall also be apportioned to the 'Discontinued Policy Fund'. A Fund Management Charge of 0.50% p.a. will be levied for amounts in the 'Discontinued Policy Fund' If a discontinued policy is not revived, the proceeds will be paid out upon the completion of the lock-in period of five years. In the instances where the revival period is not completed at the end of the lock-in period, the policyholder can opt to receive the proceeds either upon the completion of the lock-in period or upon the completion of revival period. If, in such cases, the policyholder does not exercise any option, then the proceeds will be paid upon the completion of the lock-in period. After the payment of the discontinuance benefit, the policy shall terminate and no further benefits shall be payable under the policy. View more
insurance 
 Is there an age limit for opting Individual Personal Accident Plan 2 policy 
 It is open to everyone from the age of 18 years to 65 years.
security 
 How will the OTP be sent to the customers 
 OTP will be sent only via SMS to the customers' registered mobile number.
insurance 
 How many Critical Illnesses are covered under 3D Life & 3D Life Long Protection options and what is the benefit associated with them 
 These plan options provide Waiver of Premium benefit if the Life Assured is diagnosed with any of the 34 covered Critical Illness.
insurance 
 How is the premium for Motor Insurance calculated 
 The premium is calculated based on the Make and Model of your vehicle, its age, place of registration, fuel type and Insured Declared Value (IDV). The premium is also subject to certain deductions based on the insured’s age and occupation and the No Claim Bonus earned by the insured during the policy period. You will need to submit documents or particulars to avail of these discounts. In case you want extended coverage – for Personal Accident, Electrical/Non-Electrical Accessories, etc. you may have to pay an additional premium of the same.
cards 
 Where can I use my EasyShop Woman’s Advantage Debit Card 
 Your card will be valid the world over – just look for the VISA sign.
cards 
 What do I need to know about the HDFC Bank ForexPlus Platinum Card 
 Embedded with a chip, this ForexPlus card offers you a convenient and secure way to carry your Forex. With the HDFC Bank ForexPlus Platinum card you can shop anywhere in the world.
accounts 
 I have an existing bank account with other Bank. Can I still open SmartUp Current Account 
 Yes, provided startup is meeting the criteria of date of incorporation / registration of business should not be more than five years from date of account opening.
insurance 
 Is there any Surrender benefit for this plan 
 No, there is no surrender value available under this plan.
security 
 Can I set my Personal Assurance Message to be the same as my VBV / MSC Password 
 Your Personal Assurance Message and your VBV / MSC Password must not be the same, to ensure your security.
insurance 
 Would I have to go for any medicals 
 No, there would not be medical tests involved in this plan.
loans 
 Can I pre-pay the entire loan amount 
 Yes, you will have to pay a pre-payment fee of 4% if you pay your entire loan before 12 months from the date of disbursement. You will have to pay a pre-payment fee of 2 % if you pay your loan after 12 months from the date of disbursement.
insurance 
 What is the maturity benefit that I receive if I invest in this plan 
 On survival till the end of the policy term, you will receive a lump sum amount which will be the aggregate of : Sum Assured on Maturity Accrued Guaranteed Additions Accrued Reversionary Bonus Interim Bonus (if any) Terminal Bonus (if any)
cards 
 Is there a load amount limit 
 Card balances cannot exceed Rs. 10,000 at any given point in time and cumulative monthly load and reload is limited to Rs. 10,000.
investments 
 What are the cut-off timings for the Investment Services Account 
 Cut-off time for same day NAV is 1400 hours i.e. 2.00 p.m. (Indian Standard Time). All instructions received on transaction day before the cut-off time will be eligible for same day's NAV (except Saturdays, Sundays and Holidays). For transactions received post cut-off time, NAV applicable will be as on next working day. In case of Liquid Scheme, NAV is being computed as mentioned below: Cut-off time for Historic NAV is 1230 hours i.e. 12.30 p.m. (Indian Standard Time). All instructions received on transaction day before the cut-off time will be eligible for Historic NAV (except Saturdays, Sundays and Holidays). Cut-off time for same day NAV is 1400 hours i.e. 2.00 p.m. (Indian Standard Time). All instructions received on transaction day after 12.30pm and before the cut-off time ie 2.00pm will be eligible for same day's NAV (except Friday ,Saturdays, Sundays and Holidays). In case of Liquid Scheme transactions done after 1400 hours i.e. 2.00 p.m. (Indian Standard Time) cut-off on Thursday but prior to 1230 hours i.e. 12.30 p.m. (Indian Standard Time) cut-off of time of Friday, the NAV for Thursday would be applicable . In case of Liquid Scheme transactions done after 1230 hours i.e. 12.30 p.m. (Indian Standard Time) on friday but prior to 1400 hours i.e. 2.00 p.m. (Indian Standard Time) cut-off of time of Friday, the NAV for Sunday would be applicable as per AMC rules for NAV applicability (NAV for next business day - 1 day will be applicable). In case of Liquid Scheme transactions done after 1400 hours i.e. 2.00 p.m. (Indian Standard Time) cut-off on Friday or transactions done on any holiday, Saturday or Sunday, the applicable NAV will be of the next declared NAV from AMC end. In case of Liquid Scheme transactions done after 1230 hours i.e. 12.30 p.m. (Indian Standard Time) on a day prior to a non working day, the applicable NAV will be of the holiday. (In case of consequent holidays the last holiday NAV is taken as the Holiday NAV). We agree and acknowledge that any instruction given or purported to be given by me/us before the cut off time as may be intimated by HDFC Bank to me/us from time to time, will be processed on the same day. Any instructions received after the prescribed cut off time will be processed on the next working day. We acknowledge that any transaction request falling due on a holiday will be processed on the next business day and the respective NAV will be applicable as per the Mutual Fund's offer document. View more
accounts 
 What is the initial deposit amount required to open a Max Current account 
 You need an initial deposit of Rs. 5,00,000 to open a Max Current account.
cards 
 If I hotlist my card, will I get deregister from the Times points program 
 No, your Times Points account will remain active and you can keep using www.timespoint.com as earlier.
security 
 How will the online store know that I have Verified by Visa/ MasterCard SecureCode 
 The participating online stores will automatically recognize your Visa card number if you have registered it for Verified by Visa and a pop-up will be shown asking for your Verified by Visa password.
cards 
 Can I use the card to pay in any currency 
 Yes, the card is accepted for payment in any currency apart from those loaded on the card. No cross currency conversion charges will be applicable while processing such transactions. - Exchange rate used will be the MasterCard wholesale exchange rate prevailing at the time of the transaction. - Exchange rate used will be the Midrate prevailing at the time of the transaction.
investments 
 How can I change the default Bank Account that is linked to my HDFC Bank Online Mutual Funds Account 
 We understand that you wish to change the Bank Account linked to your Online Mutual Funds Account (Applicable where you want to continue with the Online Mutual Funds Account but want to close only the linked Bank Account) For this, you must provide an alternate Bank Account number under the same Customer ID (First Holder) with which you are registered for online Mutual Funds. Once the change of the Bank Account is effected, the Online Mutual Fund Account will be de-linked from the old bank account and it will be closed. Please note that both the options require a written request in the attached format. Please submit the form duly filled at your account branch.
loans 
 What security do I need to provide to obtain a Business loan 
 To obtain the loan, there is absolutely no need to provide any security or collateral.
cards 
 Can I issue Cheque for loading of ForexPlus Platinum Card 
 Customer can load ForexPlus Platinum card by issuance of cheque against the amount to be loaded. However, cards will be loaded post realisation of the cheque deposited by the customer. The exchange rate applicable will be for the day on which funds are realized and card is activated
accounts 
 Is it necessary to open Apex Current Account in each location where my company has an office 
 No. With a Apex Current Account, you enjoy the advantage of a single account with multi-location banking.
insurance 
 What is the premium frequency available under policy 
 Only annual mode is allowed under the plan.
accounts 
 What if certain RD installments are not paid 
 If six consecutive installments are unpaid, the Bank reserves the right to close the RD account. The interest rate applicable on such closed accounts will be as per the premature withdrawal policy of the Bank.
accounts 
 Are all IVR based calls free 
 Yes, all IVR based PhoneBanking services are available free of cost. However agent assisted calls will be charged.
accounts 
 How can I request for Physical Statement/s 
 Statements for the period of 2 years can be downloaded through NetBanking. We request you to follow the steps mentioned below to request for a statement of your Account. Step 1) Log in to Net Banking Steps 2) On the left hand pane under ‘Request’ option select ‘Account Statement’ Step 3) Select the Account number and Period for which the statement is required Step 4) Click on ‘Continue’ and ‘Confirm’ The account statement will be delivered to your address within 4 working day Alternatively you may request for a statement of your account through HDFC Bank PhoneBanking HDFC Bank ATM Any HDFC Bank Branch Charges applicable per duplicate Statement if requested through Branch Rs.100 Phone banking (Non-IVR) & ATM Rs.50 Net banking, Phone banking (IVR), & Mobile banking Rs.30 Email Nil As per the Finance Bill 2009, all fees and charges mentioned above will attract Service Tax @ 10% and Education Cess @ 3% of the service tax amount effective 24th February 2009. If you wish to know more about Account Statements or want to know its status if requested, please call up PhoneBanking or write to us with full details viz. date of request, mode of request and period of request. View more
cards 
 How do I claim Personal Accident Death Cover for Gold Debit Card 
 Nominees and legal heirs should visit their nearest HDFC Bank branch. We will help with the documents required, and, when these are complete, we will liaise with the relevant insurance company to resolve the claim. This is a special service for our EasyShop Gold Debit Card holders. Remember to provide us with all documents within one month of death.
insurance 
 Will a policyholder's premium increase in the next year if he makes a claim in the current year 
 No, the premium will not increase as premiums are guaranteed or fixed for a period of three years from the date of inception of the policy.
investments 
 From where can I get today’s price of Mudra Pure Gold Bars 
 The card rates for HDFC Bank Mudra Pure Gold Bars are available on the HDFC Bank website home page in the ‘today’s rates’ section. Please note that these prices are subject to change as per the market price. Hence please confirm the price and the branch name before making a purchase.
cards 
 Can the value of the card be topped up 
 Yes, your ForexPlus Platinum 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.
investments 
 Can I take a loan on these bonds 
 No, you cannot take a loan on these bonds.
loans 
 How will HDFC decide my home loan eligibility 
 HDFC assess the customer's repayment capacity based on income, age, qualifications, number of dependants, spouse's income, assets, liabilities, stability and continuity of occupation, and savings history.
investments 
 Who can open a Securities Trading account with HDFC securities 
 Any Indian resident/Non-resident individual (not US-based) or Indian corporate can register with HDFC Securities Ltd. to trade in securities. Currently, overseas corporate bodies (OCBs) cannot open an account with HDFC Securities. To become a registered user of HDFC Securities, you will have to first open a Savings/Current account and Demat account with HDFC Bank.
cards 
 What is the maximum value for which the Card can be used 
 There is no limit imposed on the usage of ForexPlus Chip Card. Customer's can withdraw/utilise any amount, upto the value loaded on ForexPlus Chip card at any ATM/POS. However, there are some ATMs service providers which have put in per day / per transaction limit towards cash dispense which cannot be changed by the Bank. In such cases the cardholder might need to do multiple transactions if he wants to withdraw any amount higher than that allowed in one transaction.
insurance 
 Is travel insurance mandatory 
 Travel Insurance is not mandatory in India. However, it is mandatory in the UK and others countries including Austria, Greece, Portugal, Spain, France, Germany, Belgium, Luxembourg and the Netherlands. However, for a safe and peaceful trip, we recommend that you have a travel insurance policy no matter which country you are travelling to.
accounts 
 What is the new policy with regards to PAN to book fixed deposit with our bank 
 Where the total value of Fixed deposit per customer id <= 50,000( including the new FD being booked ) No pan , & no form 60 Where the total value of fixed deposit per customer id > 50,000( including the new FD being booked) PAN required mandatorily
accounts 
 What transactions are included as a part of the Free Anywhere Transactions limit for a month 
 The following transactions comprise part of the Free Anywhere Transaction limit: Cheque deposited into the account in other cities (in local clearing) Inter-city Payable-at-Par cheque issuance.
cards 
 How do I top-up the value of my card when I am abroad 
 ForexPlus card can also be loaded on your behalf by someone authorized by you. Authorised person has to visit HDFC Bank branch with the necessary documents and funds. We’ll take care of the rest.
accounts 
 Can transactions be done at any HDFC Bank branches 
 Yes. You can transact at any HDFC Bank across the country. Charges as mentioned in the Fees and charges section will apply.
cards 
 Are there any transaction limits for Imperia Platinum Chip Debit Card 
 Depending on the balance in your account, it is possible to withdraw up to Rs. 1 lakh at the ATM daily, and spend Rs 2.75 lakhs daily. These limits have been set for your card security.
investments 
 What are the different weights Mudra Pure Gold Bars are available in 
 Mudra Pure Gold bars are available in 5g, 8g, 10g, 20g 50g and 100g denominations.
cards 
 Will I be able to Transfer money to Food plus card from my account or from any other account 
 Food Plus card is a corporate card, any instruction with regards to load / reload and BT in the card can be done only on the basis of Corporate Instructions to the Bank. Individual Cardholder requests cannot be Processed.
insurance 
 What are the benefits of a health card 
 A health card mentions the contact details and contact numbers of the TPA. In case of a medical emergency, you can call these numbers for queries, clarifications or to seek any kind of assistance. Moreover, you need to display your health card at the time of admission into the hospital.
cards 
 Can I use the Card to pay in any currency 
 Yes the Card can be used to pay in any currency apart from those loaded in the Card. The Card itself converts the balance in the currency wallets to the currency of transaction. Currency conversion charges will be applicable.
loans 
 How can I make a request to foreclose my Loan Against Property 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.
insurance 
 What are the premium paying frequencies that are available under this policy 
 The premium payment frequencies under this plan are Annual, Half yearly, Quarterly and Monthly.
accounts 
 Is it necessary to open Ultima Current Account in each location where my company has an office 
 No. With an Ultima Current Account, you enjoy the advantage of a single account with multi-location banking.
insurance 
 Why should I buy HDFC Life Assured Pension Plan 
 One of the biggest challenges of planning for your retirement is to ensure that you have saved enough money during your working years that will take care of your expenses once you retire. Given the rising cost of living, increased life expectancy and inflation, it is always wise to invest in a Pension Plan. HDFC Life Assured Pension Plan can help you achieve your retirement goals by planning for it well in advance.
cards 
 What documents should I submit when I purchase the Regalia ForexPlus Card 
 HDFC Bank Savings / Current account holders need to just submit completed application form and copy of self-attested valid Passport (or any other documentation as mandated under prevalent LRS guidelines). If you don't have HDFC Bank Savings / Current account, you need to submit completed application form, copy of self-attested valid Passport and copy of self-attested Ticket or Visa (or any other documentation as mandated under prevalent LRS guidelines).
accounts 
 Can I pay for the rent of a locker through my account 
 Yes, you can set a Standing Instruction in your Account to pay your annual locker rent.
insurance 
 Can I opt for this plan if I have a pre existing Cancer 
 No, you are not eligible for the plan if you have pre existing Cancer.
insurance 
 What is HDFC Life Capital Shield 
 HDFC Life Capital Shield is a non-par Unit Linked Plan. It is an investment-cum-insurance plan that offers the potential of better returns, by investing a part of your money in equity and the balance in debt, while also providing you with life cover. The allocation of your money to debt fund shall systematically increase over time to protect your capital.
accounts 
 Can I access my account by telephone to conduct routine daily transactions 
 Yes you can. You can use PhoneBanking to perform the following operations: Access your account details Request account statements Make Fixed Deposit related queries Inquire about interest and FX rates Request a cash delivery or pick-up Order a new cheque book
accounts 
 How do I become eligible for an HDFC Bank Institutional Current Account  
 To become eligible for an HDFC Bank Institutional Current Account you belong to one of the eligibility criteria mentioned above.
cards 
 How many days in advance can I purchase foreign exchange 
 You can purchase foreign exchange up to 60 days in advance from the date of departure.
cards 
 Can I use the DCC/ MCC option at the time of transaction 
 Whenever ISIC ForexPlus cardholder opts for DCC/MCC option on DCC/MCC enabled POS/ATM terminals, his/her transaction passes through cross currency transactions twice. It is not advisable for a ISIC ForexPlus cardholder to opt for DCC/MCC while using ISIC ForexPlus Chip card for making payments. Please note that every cross currency transaction attracts currency conversion charges at applicable rates. Apart from this, the cardholder will also get penalised due to fluctuation in currency conversion rate.
investments 
 What are the call charges applicable if I use the Call ‘N Trade facility to trade in securities 
 The Call ‘N Trade facility is free of charge. You can place orders over the phone any number of times.
cards 
 What documents should I submit when I purchase the HDFC Bank ForexPlus Chip card 
 HDFC Bank Savings / Current account holders need to just submit completed application form, copy of ticket or the Visa and form A2 (or any other documentation as mandated under prevalant FEMA guidelines) If you don't have HDFC Bank Savings / Current account, you need to submit completed application form, copy of ticket or the Visa and form A2 (or any other Forex documentation as mandated under prevalant FEMA guidelines) as well as a Photocopy of your valid Passport.
loans 
 Is there moratorium/repayment holiday available (Education Loans For Indian Education) 
 Yes. A moratorium/repayment holiday is available for select courses.
investments 
 What products can I trade in using my trading account 
 You can trade in Equity & Derivatives, IPOs, NCDs and Infrastructure Bonds. Click here to know more.
loans 
 What is the maximum tenure to repay the Loans Against Rental Receivables 
 A Loan Against Rent Receivables can be sanctioned for a minimum tenure of 12 months and a maximum tenure of 108 months. This however depends on the balance lease period and other parameters.