GhulamShabbirKhan/BankFAQs huggingface dataset:
security 
 What steps should I take to ensure that my VBV / MSC Password is strong and difficult to guess 
 Avoid using a password that is easy to guess, also avoid using a password that you have already used elsewhere. Password should be something that is easy for you to remember but difficult for anyone else to guess. Never share your password with others. You may even choose to change your password periodically.It is your responsibility to protect your VBV / MSC Password.
insurance 
 When does the plan acquire Guaranteed Surrender value 
 The plan will acquire a Guaranteed Surrender Value provided 2 full years' premium has been paid for a premium paying term of 7 years 3 full years' premium has been paid for a premium paying term of 10 years
accounts 
 What are the permissible Debits from an RFC Domestic Account 
 The funds in a Resident Foreign Currency Domestic Account opened or held or maintained shall be free from all restrictions regarding utilization of foreign currency balances, including any restriction on investment in any form, by whatever name called, outside India.
accounts 
 If I have a query, do I need to visit the branch 
 Simply message ‘SMARTUP’ to 5676712 or send us a mail at [email protected] and our Relationship Manager will promptly get back to you & answer all your queries.
cards 
 Which documents are to be submitted with respect to the failed/ disputed transaction 
 The Debit Cardholder must submit the following documents along with the dully filled Cardholder Dispute Form (CDF). Transaction typeDocuments to attached Transaction declined but funds are debited from the account Void charge-slip OR email/letter from merchant confirming transaction not completed Amount debited but payment made through an alternate mode Proof of payment by alternate mode Excess amount debited Proof of actual amount authorized/agreed with the merchant Transaction cancelled but refund from merchant not credited / Damaged goods/ Quality of the product or services is not as agreed Cancellation confirmation from the merchant/ refund confirmation It is strongly recommended to check if the amount has already been credited /adjusted into your e-wallet / subscriber account in case of ecommerce transactions.
loans 
 Am I eligible for SmartDraft 
 Yes you are eligible for SmartDraft, if your salary account with us has regular salary credits and your company is on our approved list for overdraft facility. Also, your minimum net monthly income must be Rs. 15,000.
cards 
 What is the maximum value for which the Card can be used 
 There is no limit imposed on the usage of Platinum Multicurrency card. Customer's can withdraw/utilise any amount, upto the value loaded on Platinum Multicurrency 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.
accounts 
 How much cash can I deposit per month in my home branch, without being charged 
 The free cash deposit limit at your home branch depends on the AMB you have maintained during the transaction month. This free limit is calculated as 10 times the actual AMB maintained during the transaction month or 50 transactions per month, whichever is less. In case you make more than 50 transactions or your cash deposits are more than 10 times your AMB at your home branch, you will have to pay a charge of Rs. 3 per Rs. 1,000, subject to a minimum of Rs. 50 (excluding taxes). If I maintainI get Monthly Free If I utilizeI am Charged Average Monthly Balance (AMB) in Rs. Home Location Cash Deposit in Rs. (Subject to maximum of 50 transactions) Actual Home Location Cash Deposit in Rs. Rs. (excluding 12.36% Service Tax & Education Cess) 50,000 5,00,000 7,50,000 1,750 (750 + 1000**) 75,000 7,50,000 11,00,000 1,050 1,00,000 10,00,000 9,50,000 Nil 2,21,103* 22,11,000* 20,00,000 Nil 3,00,000 30,00,000 37,00,000 2,100 5,00,000 50,00,000 45,00,000 Nil 10,00,000 1,00,00,000 60,00,000 Nil *The Home Location Cash Deposit Free limit is rounded off to the nearest thousand ** AMB non-maintenance charges View more
accounts 
 Can I transfer my Current Account from one branch to another 
 Yes, Current Accounts can be transferred from one branch to another. However, there are certain restrictions. Please visit your nearest branch for details.
cards 
 How close does the ‘tap/ wave’ have to be to the reader 
 You need to touch the reader with the card or bring it close to the terminal screens (within 4 cms)
insurance 
 If I have a home insurance policy with two different companies, will I benefit from both 
 If you have a policy with two insurance companies, at the time of the claim both insurance companies will pay on a proportionate basis.
accounts 
 What are the documents required for opening a Current Account of Limited Liability Partnership 
 Following documents are required for opening a Current Account of Limited Liability Partnership: Incorporation Document, Limited Liability Partnership Agreement Certificate of Incorporation List of all existing Designated Partners of LLP along with Designated Partner Identification Number (DPIN) issued by the Central Government Resolution passed at the meeting of Designated Partners for the particular relationship, which the LLP plans to have with the bank KYC of Designated Partners/Authorised Signatories View more
cards 
 How can I avail of Global Customer Assistance Services (GCAS) for my Multicurrency Card 
 You can call the VISA call centre numbers to avail VISA’s Global Customer Assistance Services. You can find a countrywise list of GCAS numbers at http://www.visa-asia.com/ap/Subscription/gcas.jsp
insurance 
 Can I do any free switch or premium redirection under the plan 
 Yes. You get 4 Free Fund Switch / Premium Redirection in a given policy year to create your own investment strategy. Please refer to product brochure for more details and/or consult Relationship Manager.
loans 
 How long will it take to process the loan 
 The loan gets processed within 48 hours of completing documentation.
investments 
 If I made an application through ASBA and money in my Savings Account is blocked, will I get interest for that period 
 Yes, interest will be payable on the blocked amount as per RBI guidelines.
loans 
 Who can avail of HDFC Bank Pre-owned Car Loans 
 We offer Pre-owned Car Loans to the following: 1. Salaried individuals in the age group of 21 to 60 years (at the end of the tenure) 2. Self-employed individuals in the age group of 21 to 65 years (at the end of the tenure) 3. Partnership Firms 4. Public & Private Ltd. Companies 5. HUFs and Trusts Learn how to get an HDFC Bank Pre-owned Car Loans.
fundstransfer 
 What information do I need to provide when using the RTGS funds transfer service 
 When using RTGS Funds Transfers, there are a few essential details to provide: Amount to be remitted Account number from where the funds will be debited Name of the beneficiary bank, and the name of the beneficiary customer Account number of the beneficiary customer Sender to receiver information, if there is one The IFSC code of the receiving branch View more
cards 
 Can I use my Debit Card to pay online 
 Currently your Debit Card can be used to make purchases from online merchants who have the Verified by Visa/ MasterCard SecureCode certification displayed on their web site. Learn more about using your Debit card for making online purchases here.
insurance 
 Can I do a partial withdraw from my fund 
 You can withdraw money from your funds to meet any future financial emergencies. Lump sum partial withdrawals can be made from your funds after 5 complete policy years, provided the Life Assured is at least 18 years of age. Get 4 Free Partial Withdrawals in a policy year. Please refer to product brochure for more details and/or consult Relationship Manager.
insurance 
 Can I cover my family members in this policy 
 You can cover your family members as given below in a single Policy on Individual Sum Insured basis. Brother, Sister, Grand Son, Grand Daughter, Daughter in Law, Son in Law, Nephew, Niece, Grand Mother and Grand Father.
loans 
 What is PDC 
 PDC stands for Post dated cheques. PDCs are collected for repayment of EMIs.
loans 
 How do I repay my Business Loan 
 You pay the loan in equal monthly instalments (EMIs). The loan will be paid through post-dated cheques. You can also pay through Electronic Clearing System (ECS ) or a standing instruction to debit your HDFC Bank account with the EMI amount
insurance 
 What is meant by Day Care Procedures 
 Day Care Procedures are the medical procedures/surgeries wherein the person does not need to be hospitalised for more than 24 hours due to technological advancement.
cards 
 What is a service dispute 
 Following transactions are categorized as service dispute. Transaction declined but funds are debited from the account Amount debited but payment made through an alternate mode Excess amount debited Transaction cancelled but refund from merchant not credited Dual Debits /Duplicate debits for the same merchant, amount, date and time Damaged goods/ Quality of the product or services is not as agreed.
cards 
 Will the Rs.750 discount voucher be applicable only on booking done on jetairways.com 
 Yes, the Rs.750 discount voucher can be used only for online booking of a RETURN FLIGHT on Jet Airways flights through Jet Airways websites only. This discount is against the base fare.
cards 
 What if I Already Earn Rewards with My Card 
 If you register a reward card that already earns miles, points, or cash back, the rewards that you earn via Thanks Again will be awarded in addition to the rewards that you already may earn.
investments 
 I am an NRI residing outside India. How do I get myself KYC Compliant 
 The soft copy of these KYC forms will be made available on the website of all mutual funds, AMFI and Central Depository Services (India) Limited (CDSL). You may also approach your distributor for a form. The same duly completed along with the necessary attested documents can be submitted at the PoS or mailed to your representative or distributor who can complete the KYC formalities for you.
insurance 
 What is meant by Network Hospitals 
 These are hospitals that form part of the company's network (part of the company's tie-up list). For a complete list of network hospitals, log on to our website www.hdfcergo.com
accounts 
 How many nominees can be added to a single locker 
 A nomination can be made in favour of only one individual.
investments 
 What if I have already obtained a MIN 
 Scenario 1 If the MIN was obtained by submitting your PAN, the MIN Acknowledgement can be enclosed along with the Investment Application Form(s)/Transaction Slip(s) while investing for the first time in a Mutual Fund, as the PAN number will be stated on the said acknowledgement. Scenario 2 If the MIN was obtained without submitting your PAN but with other proof of identity documents, you need to carry a copy of your PAN card, and your original PAN card, for submission at the PoS. For such cases, CVL will send out a communication to you requesting you to submit your PAN for KYC compliance.
cards 
 Whom should I contact if my card is lost or stolen 
 Immediately report the loss of your HDFC Bank ForexPlus Card by calling HDFC Bank PhoneBanking. You will not be liable for transactions on your Card Account (if any) from the moment your report is registered with the bank. Alternately you can hotlist the card with the help of Prepaid NetBanking facility.
cards 
 What should I share while calling TIL to identify myself 
 Presently we do not have Tele service. You are requested to write to us for any query, request or complain to [email protected]
security 
 On which mobile number will I receive the OTP 
 OTP will be sent to the registered mobile number (updated in Credit card system).
cards 
 What should I do if my Debit Card is not working 
 If there is a technical problem because of which your card is not working, we request you to contact us on our Phone Banking center or branch and hotlist/block the said card. Please make a request to issue a new card for your account which will be free of cost and should be delivered to you in 7 working days time once issued. For more details on PhoneBanking numbers and their timings, click here. For a comprehensive list of branches, click here. View more
loans 
 So how do I get an HDFC Bank Car Loan 
 To get an HDFC Bank New Car Loan, just fill the Online Application Form or Leave your Number and our representative will get in touch with you shortly. Or you can also Call us or Visit our branch. View more
security 
 If I have registered two email IDs, on which email ID will I receive the IVR Password  
 If there are 2 email IDs updated in our system, IVR Password will be sent to both email IDs. However, only one of them is required for validation during registration / password reset.
insurance 
 Does the Travel Insurance policy cover pre-existing diseases 
 This policy does not cover pre-existing diseases. A pre-existing illness is one the insured is suffering from before buying the policy.
loans 
 How much loan amount can be availed at a time 
 Loan value starts from Rs.50000 onwards depending on the amount of Gold brought. Loans less than Rs 50000/- also available for rural markets.
security 
 I am unable to transact online as my card is de-registered status, how do I re-register my card 
 You have to login to NetSafe on the HDFC bank website using your login id & Verified by Visa/ MasterCard SecureCode password. Once you login to Netsafe click on reregister cards, enter your date of birth and CVV2 and post that the card will be reregistered. You can now use the card for online transaction.
cards 
 Where I can use the card 
 HDFC Bank Apollo Medical Benefits Card can be used at medical outlets, pharmacies, hospitals, diagnostic centres, dental and laboratories displaying VISA logo.
cards 
 Are there any transactions for which this Card should not be used 
 Yes, your ForexPlus card should not be used towards temporary charge blocks - e.g. paying deposits at hotels, hiring of cars etc. Incase you have paid these deposits using ForexPlus card and the hotel/car rental agency etc. settles the transaction for an amount lesser than the amount blocked or you make final payment through any different mode, the balance amount will get credited into your account only after 30 days from the transaction date. Note: the Bank reserves the right to charge the Card holder for any unauthorized amounts.
accounts 
 Can my Recurring Deposit be opened in joint names 
 Yes, you can open a Recurring Deposit in a joint name.
loans 
 What are the most important guidelines post disbursements for New Car Loans 
 Registration Certificate-Important advise HDFC Bank is in no way responsible for the delivery of the Registration Certificate. The Borrower shall submit the certified true copy of the Registration Certificate relevant to the vehicle for which the loan has been taken.The registration certificate has to be submitted within 60 days of having taken delivery of the vehicle or 150 days from the date of disbursal of the loan whichever is earlier.The Borrower is also required to submit copy of the Insurance policy as well as Invoice to the bank,within this period. Vehicle Delivery The role of HDFC Bank is to be a finance provider to the borrower and hence the Bank is not responsible for delay, non-delivery or any defect, damage in quality and workmanship of the Vehicle. The Bank is also not liable or responsible in case of defect or dispute of any nature in the title (even if the vehicle is found to be a stolen Vehicle) or ownership of the Vehicle. Loan cancellation In case of loan cancellation requested by the Borrower, in the event of non delivery of the vehicle,cancellation charges as well as interest charges till the time the refund of the loan is received from the dealer, will have to borne by the Borrower. Interstate NOCs In the event of a Borrower requiring a NOC for purpose of interstate registration,in the event of a transfer of employment or any other reason, fees of Rs 500 along with a refundable Fixed Deposit of Rs 5000 will be charged.It will be the borrower's responsibility to provide the transferred Registration certificate to the bank. We advise our customers to only deal with the Bank empanelled Direct sales associates.The Bank shall take no responsibility for any transactions undertaken by the borrower with any unempaneled direct sales associates,who may claim association with the Bank. It is also advised,that the customers should refrain from any dealings in cash with the Bank's Direct Sales associates .Borrowers should also not make any payments in cash/bearer cheque or kind in connection with the loan,to the executive,dealing with the borrower for purpose of the loan. View more
loans 
 Can I apply before confirmed admission 
 Yes you can apply before securing an admission.
cards 
 I have renewed my passport with new number. Do I need to update my new Passport number in my ForexPlus Card 
 Yes, We request you to get in touch with nearby branch along with original & copy of your passport to get the new passport number updated in the bank's records. Passport number is key validation criteria to check caller authenticity when you contact our 24 x 7 PhoneBanking service, hence it is recommended to update Passport number at the earliest.
insurance 
 What is the discounted Premium on higher Sum Assured 
 There would be rebates in the form of lower premium rates for incremental Sum Insured over & above Rs. 10,00,000.
investments 
 What is the authenticity proof 
 The gold bar is packed in tamper-proof certicard packs that are see through at the manufacturing stage itself to prevent any damage / theft during transit. Moreover, the gold bars sold by the Bank come with an Assay Certification indicating the highest quality of gold at 99.99% purity as per international standards.
accounts 
 Is employment confirmation mandatory for me to open a Basic Savings Bank Deposit Account - Salary 
 To ensure that you are an employee of the company a confirmation of employment is necessary.
loans 
 How do I obtain a duplicate NOC/Form 35 for a vehicle loan that has been closed and fully repaid 
 You may obtain a duplicate NOC/Form 35 for your vehicle by visiting any of our the Retail Loan Service Center and submit the following documents: Request form for Duplicate NOC/Form 35. Self attested copy of the Registration Certificate book, duly self attested by you, along with the Original Registration Certificate book for validation. 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. Please note that the Loan Closure NOC/Form 35 will not be issued if any of the following conditions apply: Copy of RC Book is not submitted. The same vehicle is encumbered to the Bank for any other loan facility. Any notice from a competent authority restraining the Bank from release of hypothecation. If there are any existing over dues, direct or otherwise, in your name. View more
insurance 
 Why should I buy HDFC Life Health Assure Plan 
 HDFC Life Health Assure Plan provides reimbursement for unforeseen medical expenses and it comes with following unique features: Premium guarantee for three years i.e. premium does not change even after a claim has been made. If there is no claim under the policy , then your cover will be doubled after 2 claim-free years under multiplier benefit Plan offers Guaranteed Lifetime Renewability subject to prevailing premium rates
insurance 
 What happens if premiums are not paid 
 If you have not paid your premium by the expiry of the grace period, you will have following options: to revive the Policy within a period of 2 years from the date of discontinuance, or to completely withdraw from the Policy without any risk cover, or to convert the policy into paid-up policy (available on discontinuance after completion of the 5 policy years) If you do not communicate to us on the above options, the following treatment will be 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 
 How to change existing fixed deposit account tenure 
 We regret to inform you that tenure selected for the fixed deposit account cannot be changed once the account is opened. In this case we suggest that you can close your existing fixed deposit account and open a new account with a desired tenure.
insurance 
 How do I renew my policy 
 We will send you renewal reminders. The number of days advance reminder depends upon the pay plan opted for.Payplansbreakup : Cheque-45daysCredit Card – 60 days
insurance 
 Is there any eligibility criterion to purchase this the Critical Illness policy 
 A Critical Illness policy covers individuals in the age group of 5 years to 45 years. Children between 5 years and 18 years will be covered only when both the parents are also insured under the policy.
accounts 
 How do I update my PAN number 
 We request you to follow either of the following procedure mentioned below to update you PAN number: 1) Request through branch: Step 1) Submit a written request specifying your updated PAN number Step 2) Give a self-attested photocopy of your PAN card. (carry originals for verification) 2) Request through Netbanking: We are glad to inform you that the PAN can be updated online from your NetBanking. Please follow the below steps to update your PAN online : Log in to NetBanking with your Customer Identification Number and NetBanking Password (IPIN) Click on 'Contact details' on the top right hand corner & Select Edit Pan number / Click on 'Add/Update PAN number' on the Accounts tabs Update your 10 digit PAN Click on Confirm Note :1. The submitted PAN will be updated within 5 working days, post validation of the PAN with the income tax records. 2. In case of any mismatch of the submitted PAN with Income Tax records, the updation request will be rejected and customer will be intimated. 3. In case of any reject, the customer will need to visit the nearest branch with copy of the PAN card for updation on Bank records. Please note in some cases of difference in name on PAN Card, the customer may be asked to submit additional documents. 4. In the absence of PAN detail on Bank records, the interest earned on Fixed Deposits will be subject to penal TDS at 20% (if applicable) View more
loans 
 How much time will it take to change the mode of repayment/ account for your loan 
 It will take 25 working days to activate the revised instructions. In case your next instalment falls due prior to the said period, an instruction already lodged with us will be presented for payment.
insurance 
 Is this plan only available online 
 No, this plan is available on both Online and Offline platforms
investments 
 Which are the various channels through which I can trade or invest 
 You can trade through multiple channels i.e. Online trading, Trade on Mobile, Low Bandwidth Sites (LITS), Call ‘N Trade.
insurance 
 What are the conditions on revival 
 All the outstanding premiums and interest on the outstanding premiums and applicable taxes. Charge of Rs 250 shall be levied for processing the revival. The revival period shall be of two years as specified by the current regulations.