GhulamShabbirKhan/BankFAQsMistral huggingface dataset:
What are the key features of current account 
 Current Account Varaint SMARTUP ALPHA SMARTUP MAX Current Account Feature Minimum Balance Requirement Zero Balance for 1 Year, subject to any 2 debit transactions in the first 6 months from account opening Year 2 onwards Rs. 25,000 Average Quarterly Balance 5,00,000 Average Quarterly Balance Enjoy privileges of Preferred Banking* Free Cheque Leaves 100 Per Month 500 Per Month RTGS & NEFT FREE FREE Local & Anywhere cheque collections/payments and fund transfer FREE FREE Free Cash Deposit Limit Per month across all branches Upto 12 times the Average Monthly Balance per month or 25 transactions whichever is lower,(subject to maximum Rs 100 lacs/month) Upto 12 times the Current month Average Monthly Balance or 60 Lakhs or 60 transactions which breached first (subject to maximum Rs 200 lacs/month) Additional Privileges Debit Card Platinum Debit Card with No Annual Fee 1 cash back for every Rs 100 spent * Times Debit Card with No Annual Fee Earn 2 Times Points for every Rs. 150 spent * Exclusive Discount of 10% or more on online lifestyle, entertainment, dining and grocery * Corporate Credit Card (FD backed card with credit limit of 75%) Business MoneyBack (FD Amount Rs. 45000) Business Regalia First (FD Rs.2,00,000) Business Regalia- (FD Rs. 4,00,000) Business MoneyBack (FD Amount Rs. 45000) Business Regalia First (FD Rs.2,00,000) Business Regalia- (FD Rs. 4,00,000)
Who all can open SmartUp Current Account 
 SmartUp Solutions is targeted primarily for the newly incorporated Start-up companies working towards innovation, development, deployment or commercialization of new products, processes or services driven by technology or intellectual property. - Proprietorship, Partnerships, LLP, Private limited companies and Limited companies can open this account. - Date of incorporation / registration of business should not be more than five years from date of account opening
What are the other benefits that I can get from my Loan Against Securities Account 
 All the benefits that we offer on the Current Account are also applicable to the Overdraft account. This includes facilities like Phone Banking, NetBanking, BillPay and ATM. As a privileged Loan Against Securities customer, you will be entitled to our FREE International Debit Card.(only for the first holder)
How much of foreign exchange earnings can be credited into an EEFC account 
 100% foreign exchange earnings can be credited to the EEFC account subject to the condition that the sum total of the accruals in the account during a calendar month should be converted into rupees on or before the last day of the succeeding calendar month after adjusting for utilisation of the balances for approved purposes or forward commitments. Refer to the RBI circular on below link. Note: In accordance with Reserve Bank of India's circular no. A. P. (DIR Series) Circular No. 12 dated 31st of July 2012, the balances outstanding in all EEFC / Diamond Dollar Account (DDA) and RFC (D) accounts as on last day of a Current month, shall be converted into Rupees by the Bank on the last working day of the succeeding month, if such balance is not utilised by the account holder before the last day of succeeding month. Such mandatory conversion by the bank on the last working day of the succeeding month will be done at the prevailing TT buying card rate. In case, customer has booked Forward Contract/s for conversion of balances in these accounts at a future date which is falling beyond the last day of the succeeding month, such contracted amount shall be deducted from the eligible amount for the mandatory conversion. In case customer has any payment to be made in future from these accounts beyond the last day of the succeeding month then bank should be duly informed before 25th of the succeeding month in writing through Relationship Manager / Branch Manager for holding back the conversion to that extent. The customer needs to submit the underlying documents of such future transaction/s. This will be an on-going procedure till we receive revised instructions from Reserve Bank of India. View more
What are the tenures for which I can avail this loan 
 HDFC Bank Consumer Durable Loan is available in 12, 18, 24 and as long as 36 months
Will I also be able to save tax through a Children’s Plan 
 Yes, you will be eligible for tax benefits under Section 80C and Section 10(10D) of the Income Tax Act, 1961, subject to the provisions contained therein (tax benefits are subject to change in the tax laws. Please refer to the Tax Benefits section for more details).
What benefit do I get from the Revive Policy for Personal Accident if I break my bones 
 You get 10% of the sum insured up to Rs. 50,000 (for dependent parents) if you break your bones in an accident.
Can I load GiftPlus card by making payment in Cash 
 No, GiftPlus card cannot be loaded against payment of cash. GiftPlus card can be loaded by way of a Direct debit to your HDFC Bank account, local cheque drawn on HDFC Bank or demand draft
What is covered under the benefit Loss of Checked Baggage 
 This benefit will reimburse the insured person the cost of replacement of the articles if the Checked-in Baggage or Personal Documents are permanently damaged or lost.
How can I cancel my Forex Plus Card 
 To cancel your ForexPlus Chip Card, we request you visit our your nearest HDFC Bank branch and place a request towards cancellation the of the card. Your request will be processed within one working day of us receiving the request and the available balance on the card will be refunded back to your account. Incase you do not have an account with us then a demand draft shall be issued for the respective refund amount. There are no charges towards the cancellation of a ForexPlus Chip Card. However, currency conversion tax as applicable from time to time will be deducted at the time of providing credit to you. Kindly visit the following URL to access information for the complete address and contact details of our Branches and PhoneBanking centers:
What plans are available under  the Revive Policy for Personal Accident  
 HDFC ERGO offers a wide range of sums insured ranging from Rs. 2.5 Lakhs to Rs. 15 Lakhs, with four plan options to choose from: Self Plan Self and Family Plan Self + Dependent Parents Add-On Self and Family + Dependent Parents Add-On
What should I do in the case of a void transaction for International 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.
Does  the Accidental Protection Plan - Hospital Cash policy have a hospital cash benefit 
 Yes hospital cash provides a benefit of Rs. 1,000 for every day up to a maximum of 30 days in case of hospitalization due to an accident.
Do I need to provide collateral to avail of an education loan (Education Loans For Foreign Education) 
 For loans up to Rs. 4 lakh - No collateral or Third Party Guarantee is required For loans from Rs. 4 lakh to Rs. 7.5 lakh – No collateral required, however Third Party Guarantee is required For loans above Rs. 7.5 lakh – collateral is required. You can choose from any of the following acceptable collaterals: Residential Property HDFC Bank Fixed Deposit LIC/NSC/KVP View more
Can I include my parents in this policy 
 Yes, you can include your dependent parents up to 65 years. The plan provides add on benefits for your dependent parents with an affordable flat rate. Now you can give back a small measure of the love and concern they showed for you.
How long can the tenure of my loan be 
 Usually the tenure of an Auto Loan is 3 to 7 years. The tenure also depends on the type of car you wish to purchase. If it is a super premium car the tenure is restricted to 3 years only. In addition, the higher your tenure is the lower your EMI will be, but the total interest outflow is higher.
How much time will it take to change the mode of repayment/ account to repay my loan 
 It will take 25 working days to activate the revised instructions. In case your next instalment falls due prior to the 25 day period, instructions already lodged with us will be presented for payment.
Does customer need to log-in to every Times Internet Limited page for earning Times Points 
 Yes. Customer needs to log-in to earn times points for activities done on any website.
What are the different types of Savings Plans 
 You may choose between a traditional endowment plan and unit-linked insurance plan depending on a number of factors including your risk profile, your understanding of different financial instruments and your ability to track your investments regularly. Therefore , those who are well aware of the financial markets, are willing to bear the investment risk and desire a higher return can look at unit linked products and vice versa.
Is there a fee to register for Verified by Visa / MasterCard Securecode 
 The service is free, There is no additional charges for using the service.
What is the maximum loan amount I can take on a Tractor Loan 
 You can borrow up to 90%, subject to credit underwriting standards of the bank.
What are the loan tenure options for Professionals Loan 
 You can repay your loan over a period of 12 to 60 months
Does the KYC Acknowledgement have an expiry date 
 No. Once the KYC Acknowledgement is obtained and informed to a Mutual Fund, it will be registered against the folio and quoted in all future account statements. The same will exist in perpetuity, unless cancelled by CVL.
Does the Travel Insurance policy cover loss of cash/Credit Card 
 The company is not liable to pay any benefit in respect of loss of cash, bank or currency notes, cheques, Debit or Credit Cards.
How long does it take for the IVR Password  to get delivered using Verified by Visa/Mastercard Secure Code 
 The IVR Password will get delivered instantly, in less than a minute. Please ensure that you also check your Spam, Junk and all other folders for the IVR Password mailer from HDFC Bank.
What are the benefits of a retirement plan 
 Retirement Plans provide you with a steady flow of income post retirement so that you can continue to live a financially independent life.
What are the KYC requirements for a Mutual Fund Investor 
 Individual investors will have to produce a Proof of identity (Photo PAN card copy or PAN card copy and copy of the passport, driving license, etc.) and Proof of Address (any of the valid documents listed in section B of the KYC Application Form for Individuals). Non-Individual Investors will have to produce certain documents pertaining to its constitution/registration to fulfill the KYC process. A list of Mandatory Certified Documents to be submitted can be found in section C of the KYC application form for Non-Individual Investors.
Is my overdraft limit fixed 
 This will completely depend on the market rate of the securities that you have pledged. Of course, we will value your portfolio periodically to determine your overdraft limit. You can increase your overdraft limit by pledging more shares/securities , or decrease it by withdrawing them – that's completely up to you.
What is a retirement plan 
 Retirement Plans refers to insurance plans which aim to offer you income/ pension after retirement when you may not have any other adequate source of income.
Will TDS be charged on the gross interest earned or the net interest earned 
 TDS (Tax Deducted at Source) is charged if, in a financial year, the gross interest earned on your fixed deposits held with the bank exceeds Rs. 10, 000.
What is the AMB (Average Monthly Balance) requirement of the Institutional Savings Account 
 An Institutional Savings Account is a ZERO BALANCE account.
Why is the customer required to fill a cardholder dispute form (CDF) to report transaction dispute 
 A duly filled in Cardholder Dispute Form (CDF) mentioning all the required details of the disputed transaction(s) and the exact nature of dispute, aids the Cardholder as well as the Bank to initiate accurate investigation with the respective Merchant / Member Bank.Pls click on link below to view the cardholder dispute form: http://www.hdfcbank.com/assets/pdf/Cardholder_Dispute_Form.pdfNOTE: A detailed email mentioning all the required details and supporting documents (if any), as mentioned in the CDF, can also be written to [email protected]
How do I renew my Accidental Protection Plan - Hospital Cash policy 
 We will send you renewal reminders. The number of days in advance the reminder is sent depends on the pay plan you have opted for. Pay plan break up: Cheque – 45 days Credit Card – 60 days View more
Who is eligible for a tractor loan 
 Whether you are a farmer or not, you can avail HDFC Bank's Tractor loan for agricultural or commercial purposes. If you are a farmer, you must have a minimum of 3 acres of agricultural land. To know about the eligibility criteria in detail, click here.
Do I need to have an HDFC Bank account to purchase HDFC Bank Multi Currency ForexPlus Platinum Card 
 No, you don't need to have an account with HDFC Bank to purchase the HDFC Bank Multi Currency ForexPlus Platinum Card. You can just walk into any of our HDFC bank branches in India and purchase it over the counter.
What are the exclusions available under the 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. In case, the Policyholder has opted Extra Life Option under the Plan, the Accidental Death Benefit will be payable subject to terms and conditions. For detailed exclusions please refer to product brochure carefully and/or consult Relationship Manager.
How do I apply for a Basic Savings Bank Deposit Account - Farmers with HDFC Bank 
 To apply for a Basic Savings Bank Deposit Account - Farmers with HDFC Bank, you need to choose from the following: 1. Requesting a Bank representative to contact you.Fill in your details here and our representative will get in touch with you shortly. 2. Download an application form Once you have downloaded the form, you just need to follow the steps mentioned below: Print and fill-in the application form. Attach the required documents. Click here to see the documents required. Submit the documents at any of our branches. Click here to find a branch near you. Please allow us a week's time to revert on your application. View more
What are the various fund options in this plan 
 There are 8 fund options to choose from in this plan Equity Plus Fund Diversified Equity Fund Blue Chip Fund Opportunities Fund Balanced Fund Income Fund Bond Fund Conservative Fund
Can I exercise the freelook option in this policy 
 In case you are not agreeable to any of our terms or conditions, you have the option of returning the policy to HDFC Life stating the reasons thereof, within 15 days of receipt of the policy bond.