GhulamShabbirKhan/BankFAQsMistral huggingface dataset:
What is HDFC Life Easy Health Plan 
 HDFC Life Easy Health is a fixed benefit, health insurance plan that provides coverage against Critical Illnesses, specified Surgeries and also provides Daily Hospital Cash Benefit in case of hospitalization. This cover will be available for a period of 5 years.
In what transactions is the One Time Password (IVR Password ) process applicable 
 The IVR Password process is applicable only for Credit Cards for: Registration through HDFC Bank website Registration during online shopping Password re-set through website Password re-set while shopping online View more
Is there a minimum transaction amount for each scheme 
 As decided by the fund, there is a minimum transaction amount indicated against each scheme. You will get to see the minimum transaction amount in the Purchase screen after you select the Name of the scheme from the drop down menu.
Is there any Surrender benefit under this product 
 There is no surrender value available under this plan for regular pay. Under single pay, only if all the options chosen by the policyholder are surrendered and no claims are made, the policy can be surrendered. The surrender value would be calculated as following: 70% x Single Premium x(1- M/P ) Where, M : policy month of surrender P : policy term in months
What are the documents required to avail of the Loan Against Property 
 For Salaried Individuals Proof of Residence - Any one of Ration Card / Telephone Bill / Electricity Bill / Voters Card. Proof of Identity - Any one of Voters Card / Drivers License / Employers Card. Latest Bank Statement / Passbook (where salary / income is credited for past 6 months). Latest 6 Months Salary Slip with all deductions and last 2 years Form 16. Copies of all Property Documents. For Self-Employed Individuals Certified Financial Statement for the last 2 years. Proof of Residence - Any one of Ration Card / Telephone Bill / Electricity Bill / Voters Card. Proof of Identity - Any one of Voters Card / Drivers License / Employers Card. Latest Bank Statement / Passbook (where salary / income is credited for past 6 months). Copies of all Property Documents. View more
How should I get the IVR Password  if I hold an add-on card 
 An IVR password can be requested only from the registered mobile number and will be sent to the registered mobile number / email ID of the primary card holder only.
What form is silver being sold in 
 Mudra - Pure silver will be sold in the form of rectangular bars.
Can I buy more than one policy 
 You can buy more than one policy subject to successful underwriting
What are the tenure options available 
 The choice is yours. You can choose any repayment option from 12 to 84 months all specially designed to suit your requirements.
How soon can the card be used after it is purchased 
 Your card will be activated & loaded with required currency within 4 hours from the bank having received clear funds from you. The card will be ready for use post activation.
What is the procedure to add/modify or delete a nominee for all my accounts and deposits 
 To add/modify or delete a nominee you will need to fill the nomination form and submit it to your nearest branch. The branch will assist you after the form has been submitted by you.For more details, Contact Us
When does my policy acquire a Guaranteed Surrender Value (GSV) 
 It is advisable to continue your policy in order to enjoy full benefits of your policy. However, we understand that in certain circumstances you may want to surrender your policy.The policy will acquire a Guaranteed Surrender Value (GSV) provided 2 full years’ premium has been paid for premium payment term of less than 10 years and 3 full years’ premium have been paid for premium payment term of 10 years and above.The GSV shall be the aggregate of: Percentage of total premiums paid Percentage of accrued bonuses & accrued guaranteed additions Premiums will exclude any underwriting extra premiums and any taxes paid For details on GSV percentage (factors), please refer to the Product Brochure.
How do i get my card reissued post the expiry of the ISIC ForexPlus Chip Card 
 You simply need to walk into our HDFC Bank branch with the required documentation and walk out with new ISIC ForexPlus Chip card. The new card issued to you will get activated within 4 hours and the available funds in expired card will be get automatically transferred to the new card.
In what form are these bonds issued 
 Bonds are issued in the form of a Bond Ledger Account in denominations of Rs. 1000.
How can I change the mode of repayment/ account for my loan 
 In the event that you wish to change the mode of repayment/bank account for your loan repayment, you may visit the nearest the Retail Loan Service Center and submit your request with the revised account mandate/instructions. You can opt to repay through alternate repayment instructions as follows: 1) Standing Instructions: We offer the Standing Instructions (SI) facility whereby we can directly debit your HDFC Bank account for EMI amounts on due dates. Please submit the following at your nearest Retail Loan Service Center: Request form for swap of repayment instructions. 3 Security cheques favoring HDFC Bank Ltd Loan Account No. << >>, each undated and filled with a value equal to the sum of 3 EMIs. SI mandate duly filled and verified by HDFC Bank. In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided. 2) Electronic Clearing Service (ECS): We offer the ECS facility whereby we can directly debit your non-HDFC Bank account for EMI amounts on due dates. Please submit the following at your nearest Retail Loan Service Center: Request form for swap of repayment instructions. Security cheques favoring HDFC Bank Ltd Loan Account No. << >>*** ECS mandate duly filled and verified by your banker. ACH(Automated Clearing House) Mandate. Swap Charges of Rs.500/- favouring HDFC Bank Ltd Loan Account No. << >> In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided. ***Security Cheques: You need to issue 1 security cheque for every 6 Equated Monthly Installments (EMI). The amount on each security undated cheque should be equal to the sum of 3 EMIs. For example, if your EMI amount is Rs. 1000 and you have paid 18 EMIs for a 36 month loan tenure, you need to submit 3 Security Cheques of Rs. 3000 each. 3) Post-dated Cheques (This mode is allowed only if the location is non ECS): Please submit the following documents at your nearest Retail Loan Service Center: Request form for swap of repayment instructions Revised post dated cheques in favour of HDFC Bank Ltd Loan Account No. << >> for the balance EMIs. ACH(Automated Clearing House) Mandate Swap Charges of Rs.500/- favouring HDFC Bank Ltd Loan Account No. << >> In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided. View more
When will I get my Enrollment Benefits on the JetPrivilege – HDFC Bank World Debit Card 
 Your Rs. 750/- discount voucher code will be sent to you to your registered email ID within 7 days of payment of annual fee for your Debit Card.
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 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.
Where I can view my card balance and card history 
 Card balance and card history can be viewed at www.hdfcbank.com after due login or can be accessed by calling/writing to customer service centre at the phone number and/or E-mail address listed on the back of your card.
What are the factors to consider while buying a Children’s Plan 
 Consider the inflated costs of a normal educational course or any other requirements that your child might have in the future. This should be your targeted savings amount, which you would want to receive when the policy matures. Ideally, the term you should choose for the plan is when your child is in a position to require the money. Thereafter, you need to sit with your Relationship Manager to work out the amount to be invested and the level of protection required.
Which documents should I carry at the time of visiting HDFC bank 
 You need to carry an Agreement Number, Self-attested Identification Proof containing your signature to avail of any information / deliverable along with a written request and produce the documents at the Customer Service Desk. If you want to change your address / contact details, you need to submit an address change request along with a Self-attested copy of your revised address proof. The Request form for Address Change is available on the Form Centre of HDFC Bank website. View more
What are the different classes of vehicles which can be insured by HDFC ERGO 
 We can provide both Comprehensive and Liability Only Policies for all classes of vehicles mentioned below: Private Car Two Wheelers Commercial Vehicles Goods Carrying Vehicles (GCV) Trailers Passenger Carrying Vehicles (PCV) Miscellaneous and Special Types of Vehicles
Can I redeem my reward points abroad 
 No. You cannot redeem ‘Thanks Again’ reward point abroad. You need to redeem the same within options available in India only.
I’m part of a Trust – can I open a Super Saver Account 
 Only Resident Individuals and Hindu Undivided Families are eligible to open a Super Saver Account.
Are all Health Suraksha policy holders eligible for a health card 
 Yes, all policy holders are eligible for a health card as it is an important component of the policy.
What are the implications of booking an FD without PAN 
 In the absence of PAN, following are the implications for customers: TDS will be recovered at 20%(as against 10%) NO TDS credit from the Income Tax department NO TDS certificate will be issued (As per CBDT circular no:03/11) Form 15G/H and other exemption certificates will be invalid and penal TDS will apply View more
Which all locations HDFC Bank Consumer Durable Loan is available currently 
 Mumbai, Delhi, Bangalore, Chennai, Pune, Hyderabad, Jaipur, Chandigarh, Cochin, Ahmedabad and Kolkatta
What do you mean by exclusions 
 Exclusions are situations or conditions where in HDFC ERGO is not liable to pay the benefits to the insured person in the event of an accident.
Can I take monthly payouts instead of annual payouts 
 Yes.The policyholder shall have an option to receive the survival benefits (other than the final payout, payable on maturity) in monthly installments. If so opted for, the monthly survival benefit shall be: 8.5% of the annual survival payout, payable over a period of 12 months, with the first installment being paid on the policy anniversary on which annual survival payout falls due
Do I need to undergo medical test for buying this policy 
 You are not required to undergo any medical tests up to the age of 55 years, except if you have declared any pre-existing diseases or ailments at the time of applying for the policy. In such cases and for applicants above age 55 years, one has to undergo the specified medical tests.
Can I use e-Monies NEFT for foreign remittances 
 This is a service designed only for remitting Indian Rupees within India.
What is the Death-Benefit under the plan 
 On death of the life assured, provided all due premiums are paid, the company would pay the higher of the following Sum Assured 10 times annualised premium 105% of the premiums* paid (Premiums are excluding any taxes paid on the premium or any extra premiums) plus accrued bonuses, if any, to the nominee.
What services can I avail on GCAS 
 You can avail following services Through GCAS Emergency Card Replacement Emergency Cash Disbursement Cardholder Inquiry Service Lost and Stolen Card Reporting Emergency Legal Assistance Emergency Medical Assistance Emergency Message service Emergency Ticket Replacement Assistance Emergency Translation Service Lost Luggage Assistance Note: Visa Charges are applicable
Can I use my existing Salary Account if I have changed employers  
 Yes, In case an arrangement exists, we request you to visit the nearest branch along with a letter or an e-mail received from the official Corporate email ID. The letter / e-mail should have your complete name and account number and state that you have joined the corporate.
What is the tenure of the 8% Savings (Taxable) Bonds 
 The tenure of the bond is 6 years from the date of issue. No interest will accrue after the maturity of the bond.
For what period can I open a Recurring Deposit 
 You can open a Recurring Deposit account for a minimum period of 6 months, and thereafter in multiples of 3 months up to a maximum period of 10 years.
What is the definition of a dependent child 
 Dependent child means an unmarried dependent child residing with the insured person between the age of 3 months and up to 18 years or up to the age of 21 if in full time education.
Can I buy more than one policy 
 You can buy more than one policy subject to successful underwriting.
What are benefits of Smartup Solutions 
 A suitable choice of Current Account for your business and transaction needs - Alliances for your Start-up - Advisory Services - Co-working Spaces - Logistics - Public Relations - Digital Marketing services - Content Writing Smart-Buy -Accelerate your business with the right marketing channel at the right time. Get access to 37 million potential customers to accelerate your growth. Smart-Up Portal - Meet other start-ups, customers, mentors, investors all by simply registering for the Smart-Up Program Digital & Cash Management Solutions Forex Advisory
If I am a NRE/NRO customer, can I apply for ASBA 
 Yes, you can apply through a physical application; however, you CANNOT currently apply through ASBA on NetBanking.
Can I load multiple currencies on one Multicurrency Platinum ForexPlus Chip card 
 Yes, you can carry more than one currency on your Multicurrency card. Only HDFC Bank Multicurrency Platinum ForexPlus Chip card gives you the power of carrying multiple currencies on just one card. So now forget to apply for a new card every time you visit a different country.
What do you mean by pre-existing diseases not covered under the Critical Illness plan 
 A pre-existing disease is any condition, ailment, injury or related condition for which the insured person had signs or symptoms and/or was diagnosed and/or received medical advice or treatment prior to the first policy with the company
What currencies are available 
 There are ten currencies offered: Australian Dollar (AUD) Dirhams (AED) Canadian Dollar (CAD) Euro (EUR) Japanese Yen (JPY) Singapore Dollars (SGD) Sterling Pound (GBP) Swedish Krona (SEK) Swiss Franc (CHF) US Dollar (USD) View more
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. View more
What are the special privileges that HDFC Bank customers can avail of 
 If you are an HDFC Bank account holder, we have special rates of interest for you. If you have a Preferred Account or a Corporate Salary Account with HDFC Bank for more than 6 months, you can get fast approvals on your loans with minimal documentation. If you are an HDFC Bank Car Loan customer with a clear repayment of 12 months or more we can Top-Up your car loan to the extent of the original loan value.
What are Tax Benefits 
 As per prevailing income tax laws, HDFC Life Health Assure Plan is eligible for Tax Benefits u/s 80D of Income Tax Act.
When does the plan acquire Guaranteed Surrender value 
 The policy will acquire a Guaranteed Surrender Value (GSV) provided 2 full years’ premium has been paid for premium payment term of 7 years and 3 full years’ premium have been paid for premium payment term of 10 years or more.
What do I do if I have an issue related to the product using Times points from portal/link 
 If there is any issue with the product purchased using Times points, we would request you to write to [email protected] Additionally you can always write to for any problem related to Times Points Debit Card. You are requested to mention your registered email id/ registered mobile no to identify yourself while writing to us to track your issue and resolve the same.
When is TDS deducted for Regular Fixed Deposit 
 TDS is deducted every time the Bank pays/re-invests interest during the Financial year.In addition TDS is also deducted on interest accrued(but not yet paid) at the end of financial year viz. 31st March.
What is a Personal Assurance Message or Personal Greeting 
 When you register for Verified by Visa/ MasterCard SecureCode, you are asked to create a Personal Assurance Message/ Personal Greeting. So when you pay online, always look for your Personal Assurance Message/ Personal Message to ensure that HDFC Bank is authenticating you. View more
What are the documents required to avail of the Loans Against Rental Receivables 
 Proof of Residence - Any one of Ration Card / Telephone Bill / Electricity Bill / Voters Card. Proof of Identity - Any one of Voters Card / Drivers License / Employers Card. Latest Bank Statement / Passbook (where rentals are credited for past 12 months). Copy of current Lease Agreement Copies of all Property Documents.
Is a guarantor required 
 You will require a guarantor in all cases except certain segments where you have offered agricultural land as additional collateral.
I suspect someone has stolen my password or used it to make fraudulent purchases. What should I do 
 If you suspect any fraudulent activities, contact HDFC Bank immediately at your nearest customer Call Centre (for Credit Cards) or PhoneBanking Centre (for Debit Cards) and report the loss.
Are there any exclusions in this plan 
 In case of death due to suicide within 12 months from the date of inception of the policy or from the date of the revival of the policy, the nominee or beneficiary of the policyholder shall be entitled to the fund value, as available on the date of death. Any charges recovered subsequent to the date of death shall be paid back to the nominee or beneficiary along with the death benefit.
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
Is an overdraft facility allowed 
 Right now there is no overdraft facility for Recurring Deposits.
Why should I purchase Critical Illness Insurance 
 Critical Illness Insurance provides you and your family with additional financial security on the diagnosis of a critical illness. The policy provides a lump sum amount which could be used for: Cost of care and treatment Recuperation aids Pay off of debts Any loss in income owing to a decrease in ability to earn View more
Can I claim exemption under exemption under 54C with the exemption 54 and 54EC 
 Yes, you can claim exemption under 54C with the exemption 54 and 54EC.
What is the death benefit that I receive if I choose HDFC Life Uday 
 On the unfortunate event of your death during the policy term, the nominee will receive the higher of : Sum Assured on Death + Accrued Guaranteed Additions + Accrued Reversionary Bonuses (if any) + Interim Bonus (if any) + Terminal Bonus (if any) 105% of Premiums paid The Sum Assured on Death shall be the higher of: Sum Assured on Maturity An absolute amount assured to be paid on death, which in this case, is equal to the Sum Assured on Maturity 10 times Annualised Premium for entry age up to 50 years and 7 times Annualized Premium for entry age greater than 50 years An additional benefit equal to 100% of ‘Sum Assured on Death’ will be payable in case of death due to an accident.
What are the other things that I need to keep in mind about the IVR Password using Verified by Visa/Mastercard Secure Code 
 If you have provided 2 email IDs for our records, you need to enter any one of them for validation. Also if your email ID and mobile number are not updated, please have the details updated in our system by calling our Customer Care Centre, and attempt to register later. It is mandatory to have at least one email ID and one mobile number registered. The same will apply if there is a recent change in your mobile number or email ID. View more
Can a Company ID card be accepted as a Photo ID document  
 No, a Company ID cannot be accepted as a Photo ID document. A government issued photo ID card is mandatory.
What is the rate of Guaranteed Additions that s available in this policy 
 Provided the policy is in force and all due premiums have been paid, you will receive Guaranteed Additions of 3% p.a for the first 5 years of your policy over and above the Bonus that will be declared.
What is RTGS 
 RTGS is the Real Time Gross Settlement which is used for the transfer of amounts of Rs. 1,00,000 or more from one bank account to another bank account (any bank located anywhere in India if attached with an Internet system) at very minimal charges. The amount is credited into the beneficiary's account in real time. For amounts less than Rs. 1,00,000 we use NEFT( National Electronic Fund Transfer).
Where can I use my EasyShop Titanium Debit Card 
 Your card can be used at all HDFC Bank ATMs, just like a normal card. When shopping at merchant locations, just look out for the MasterCard logo, and at ATMs check for the Master and Cirrus logo.
What is a settlement option 
 Under settlement option, you can also take your fund value at maturity in periodical installments.
Can the value of the card be topped up 
 Yes, your Regalia ForexPlus Card can be reloaded multiple times in future till the card gets expired. -Existing bank customers can reload their Regalia ForexPlus Card through HDFC Bank NetBanking / Mobile Banking by selecting Reload Forex Card under the option of Cards tab. -Alternatively, existing customers can also place in a request to reload the card through HDFC Bank Phone Banking service or Prepaid NetBanking.
How will I earn the JPMiles on my JetPrivilege HDFC Bank World Card 
 On your JetPrivilege HDFC Bank World Debit Card, you will earn JPMiles for all your retail spends in the ratio of 2 JPMiles per INR 150 spent.Spends JPMiles will be transferred into your JetPrivilege membership within a period of 40 working days of the transaction date.