GhulamShabbirKhan/BankFAQsMistral huggingface dataset:
Can I get a  Debit Card linked to my Institutional Savings Account 
 Yes. Business Debit Cards are issued to Authorised Signatories in the account. This is done provided the mode of operation is ‘Singly’ OR ‘Either or Survivor’ and the operating instructions allow the signatory to sign for amounts above Rs. 1.25 lakh. This is because the combined - ATM & POS - per day limit on the Business Debit Card is Rs.1.25 lakh.
Any minimum Balance need to be maintained in the account 
 No minimum balance need to be maintained as these are Zero balance accounts.
Can I load Forex card by making payment in Cash 
 No, Forex card can not be loaded against payment of cash. In case existing bank customer need to load his/her forex card by making payment in Cash then, the customer need to deposit cash in his/her account and then issue cheque or debit instruction to load the card.
How do I know my application has been accepted 
 You can check your account opening status on www.hdfcsec.com on the footer page of the homepage section page under the Application status.
What is the exclusion in the plan 
 In case of death due to suicide, within 12 months; From the date of inception of the policy, the nominee of the policyholder shall be entitled to 80% of the premiums paid, provided the policy is in-force From the date of revival of the policy, the nominee of the policyholder shall be entitled to the amount which is higher of 80% of the premiums paid till date of death or the surrender value as available on the date of death.
Do I need to activate Multicurrency Platinum ForexPlus Chip card for Ecommerce transactions 
 You Multicurrency card is pre-activated to perform Ecommerce transactions once your card is loaded with the Forex currency required.
Do I need to have HDFC Bank account to purchase the Hajj Umrah ForexPlus Card 
 You can just walk into any of our HDFC bank branches in India and purchase it over the counter after submission of necessary documents.
How frequently will my portfolio be re-valued 
 We generally do that on a weekly basis, unless there is a sudden fall in the market prices. In that case, we can conduct an Interim revaluation.
Will I get notification about the expiry of my Times points 
 Yes, you will be notified through email on the expiry of your Times points. The emails notification will be sent to you from Times Internet Limited (TIL).
What is the Death Benefit under the plan 
 On death of the life assured during the term of the policy, provided all due premiums are paid; the nominee will receive the higher of the following: Sum Assured on Death + Accrued Reversionary Bonuses + Interim Bonus (if any) + Terminal Bonus (if any) 105% of premiums# paid till dateWhere, the Sum Assured on Death shall be the higher of: Sum Assured on Maturity 10 times Annualised Premium# for entry age up to 50 years and 7 times Annualised Premium# for entry age greater than 50 years #excludes any underwriting extra premiums, modal loadings and any taxes paid On death of the life assured during the payout period, the Death Benefit payable shall not be reduced by the survival benefits already paid. On payment of the Death Benefit during the policy term, the policy will terminate and no future payouts will be payable.
What is the maximum value for which the Card can be used 
 There is no limit imposed on the usage of ForexPlus card. Customer's can withdraw/utilise any amount, upto the value loaded on 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.
Can I issue cheques to load the Hajj Umrah ForexPlus Card 
 Customer can load Hajj Umrah ForexPlus 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.
Can I use the same IVR Password  to perform multiple transactions 
 No, each IVR password can be used only for a maximum of 3 attempts (including decline attempts) within the specified validity period. For further transaction attempts, a new IVR password must be generated.
Which Mutual Funds are ISA enabled 
 List of Mutual Funds ISA AIG Mutual Fund OD Addendum Fact Sheet Axis Mutual Fund OD Addendum Fact Sheet Bharti AXA Mutual Fund OD Addendum Fact Sheet Birla Mutual Fund OD Addendum Fact Sheet Canara Robeco Mutual Fund Fund OD Addendum Fact Sheet Deutsche Mutual Fund OD Addendum Fact Sheet DSP BlackRock Mutual Fund OD Addendum Fact Sheet Edelweiss Mutual Fund OD Addendum Fact Sheet Fidelity Mutual Fund OD Addendum Fact Sheet Franklin Templeton Mutual Fund OD Addendum Fact Sheet HDFC Mutual Fund OD Addendum Fact Sheet HSBC Mutual Fund OD Addendum Fact Sheet ICICI Prudential Mutual fund OD Addendum Fact Sheet IDFC Mutual Fund OD Addendum Fact Sheet ING Mutual Fund OD Addendum Fact Sheet JM Mutual Fund OD Addendum Fact Sheet JP Morgan Mutual Fund OD Addendum Fact Sheet Kotak Mutual Fund OD Addendum Fact Sheet L & T Mutual Fund OD Addendum Fact Sheet Mirae Asset OD Addendum Fact Sheet Morgan Stanley Mutual Fund OD Addendum Fact Sheet Reliance Mutual Fund OD Addendum Fact Sheet Religare Mutual Fund OD Addendum Fact Sheet SBI Mutual Fund OD Addendum Fact Sheet Sundaram Mutual Fund OD Addendum Fact Sheet TATA Mutual fund OD Addendum Fact Sheet UTI Mutual Fund OD Addendum Fact Sheet BNP Paribas Mutual Fund OD Addendum Fact Sheet Pramerica Mutual Fund OD Addendum Fact Sheet View more
Which Rewarding Merchants participate 
 You will have access to thousands of Participating Rewarding Merchants located throughout North America. To locate a Participating Rewarding Merchant near you, please use our online locator. If you don’t find a Participating Rewarding Merchant location near you, be sure to check back frequently as we are always adding new merchants to the program.
Is any additional documentation required for availing the ASBA facility 
 No further physical documentation is required to avail of this facility.
What should  I do and whom to contact if  my card is lost 
 In case your card gets lost or stolen, all you have to do is call HDFC Bank PhoneBanking immediately and report the loss of your card. This facility is available 24 hrs on all days. The card can also be hotlisted using our Prepaid card NetBanking facility on www.hdfcbank.com
What are the benefits under  the Critical Illness - Platinum Plan 
 The company will pay the sum insured as a lump sum on the first diagnosis of any one of the following critical illnesses, provided that the insured person survives a period of 30 days from the date of the first diagnosis. The following critical illnesses are covered under our plan: Heart Attack (Myocardial Infarction ) Coronary Artery Bypass Surgery Stroke Cancer Kidney Failure Major Organ Transplant Multiple Sclerosis Paralysis View more
As an NRI, can I buy Mutual Fund Units in the Portfolio Investment Schemes (PIS) account 
 No, you cannot purchase Mutual Fund units in the PIS account. You can only do so in the Non-PIS account.
How is the Fund Value calculated 
 Fund Value will be calculated by multiplying balance units in your fund by the then prevailing NAV price.
What is the definition of a dependent child 
 A dependent child is an unmarried child between the age of 3 months and 18 years, or up to 21 years if in full time education, residing with the insured person.
If I have just received a renewed card, do I need to re-register 
 No, you do not have to re-register your renewed card since the card number remains the same. You need to re-register only if your card number has changed due to card replacement/ re-issue/ upgrade.
Where can the policyholder get the list of Network Hospitals 
 The list of Network Hospitals is enclosed along with the Policy Document. The Policyholder can also visit the HDFC Life website, www.hdfclife.com, for the most updated list.
What are the minimum and maximum age limits for investing in HDFC Life Uday 
 The age limits for HDFC Life Uday have been highlighted below : Minimum Entry Age 18 Years Maximum Entry Age 55 Years Minimum Maturity Age 30 Years Maximum Maturity Age 70 Years
What are the charges I have to pay to change the mode of repayment/ account for my loan 
 A service charge of Rs.500 is applicable for changes in loan repayment instructions issued from non-HDFC Bank Account (ECS or PDC facility). A cheque/payorder/demand draft for Rs. 500 favouring “HDFC Bank Ltd Loan Account No. << >> will be required along with the revised set of repayment instructions.
Who can be a partner in a partnership firm 
 Partners must be major (above the age of 18), should be sane and should not be disqualified by law from entering into a contract.
Can I access my Merchant Advantage Plus Current Account from any HDFC Bank branch 
 Yes. The advanced technology of our systems provides you with the flexibility of accessing your account from any HDFC Bank branch.
How long does it take to process Gold Loan 
 A gold loan is disbursed within One Hour. This is, however, subject to the verification of the gold and other documents that you submit. Approvals are at the sole discretion of the bank.
Can I take this plan without going for medicals 
 Yes this plan can be taken by filling short medical questionnaires subject to underwriting guidelines. For more details contact our Relationship Manager.
What happens if I don’t pay an instalment 
 If frequent defaults (non-payments) are observed in your payment of monthly installments, and six installments fall in arrears, the Bank reserves the right to close your RD account. The interest rate applicable on such accounts will be as per the premature withdrawal policy of the Bank.
What is the difference between Life and Extra Life options 
 In addition to the benefits under Life Option, you get an additional Extra Life Sum Assured upon death due to Accident under Extra Life option. Customer has the flexibility to select the amount of Extra Life Sum Assured (maximum up to Base Sum Assured)
Is HDFC Bank venturing into silver/bullion market 
 Yes, HDFC Bank has RBI approval to retail silver/bullion to its customers.
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
What is the time frame to report Debit Card transaction dispute 
 Transaction dispute needs to be reported in writing within 30 days from the transaction date.
Who do I contact in the case of hospitalization when covered under Travel Insurance 
 You have to contact the International SOS immediately in the case of hospitalization. They also provide any information to deal with any problem regarding claims.
Where I can earn ‘Thanks Again’ Reward Points 
 You can earn reward points on merchants registered with ‘Thanks Again’ reward program, located in & around airports
Can a Defence ID card be accepted as a Photo ID document (Defense Salary Account) 
 A Defence ID can be accepted as a Photo ID document.
What should I do in the case of a void transaction for NRO 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.
What are the permissible credits into EEFC account 
 Inward remittance through normal banking channels, other than remittances received on account of foreign currency loan or investment received from abroad or received for meeting specific obligations by the account holder; Payments received in foreign exchange by a 100 per cent Export Oriented Unit or a unit in (a) Export Processing Zone or (b) Software Technology Park or (c) Electronic Hardware Technology Park for supply of goods to similar such units or to a unit in domestic tariff area; Payments received in foreign exchange by a unit in the domestic tariff area for supply of goods to a unit in the Special Economic Zone (SEZ); Payment received by an exporter from an account maintained with an authorised dealer for the purpose of counter trade. (Counter trade is an arrangement involving adjustment of value of goods imported into India against value of goods exported from India in terms of the Reserve Bank guidelines); Advance remittance received by an exporter towards export of goods or services; Professional earnings including directors fees, consultancy fees, lecture fees, honorarium and similar other earnings received by a professional by rendering services in his individual capacity; Re-credit of unutilised foreign currency earlier withdrawn from the account; Amount representing repayment by the account holder's importer customer, of loan/advances granted, to the exporter holding such account; and The disinvestment proceeds received by the resident account holder on conversion of shares held by him to ADRs/GDRs under the Sponsored ADR/GDR Scheme approved by the Foreign Investment Promotion Board of the Government of India. View more
Do I need to register for program 
 Yes, Customer need to register himself on www.thanksagain.com for earning the reward points. Unless you register yourself, you cannot earn any reward points
How long is the tenure of the loan (Education Loans For Indian Education) 
 The maximum repayment tenures are as below: For loans upto Rs. 7.50 lacs - upto 10 years For loans above Rs. 7.50 lacs - upto 15 years
What happens if my card is lost 
 In case your card gets lost or stolen, all you have to do is call HDFC Bank 24x7 PhoneBanking immediately and report the loss of your card. The card can also be hotlisted using our Prepaid NetBanking facility In case you have opted for a back-up card, then you can request to activate back-up card and transfer balance on your hotlisted card to the back-up card. Balance transfer will be carried out instantaneously.
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.
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.
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.
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.
Can I load ForexPlus Chip Card by making payment in Cash 
 No, ForexPlus Chip Card cannot be loaded against payment of cash.
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
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.
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
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.
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.
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.
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
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.
Can partial Payments be made on Recurring Deposits 
 Partial payments are not possible.
What is the policy term available under the plan 
 Policy Term of 10 to 40 years is available under the plan.
How much Foreign exchange can I load into the card 
 You can load the currencies as per the limits prescribed by FEMA guidelines.
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.
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.
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.
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.
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
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.
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.