GhulamShabbirKhan/BankFAQsMistral huggingface dataset:
What is salvage and what happens to it 
 Salvage refers to discarded parts that are damaged beyond repair and need to be replaced. If these parts have no economic value (broken glass, torn plastic, rubber parts), they are thrown away. However, parts like doors, panels, petrol tanks, front forks, etc. do have a residual commercial value. To avoid recycling of such parts that may be repaired and sold as new, these need to be destroyed to prevent malpractices by unethical workshops.
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 ForexPlus 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.
How does Verified by Visa/ MasterCard SecureCode work 
 Verified by Visa/ MasterCard SecureCode provides you with a Password/ SecureCode that protects your online transactions, just like the way you use your PIN at an ATM. All you need to do is follow the simple steps: Select the goods and services you want from the Verified by Visa (VBV) / SecureCode merchant site and proceed to the payment page. Enter your HDFC Bank Debit/ Credit Card number and the online store will connect with HDFC Bank to check whether your Card is secured with Verified by Visa/ MasterCard SecureCode. HDFC Bank initiates a Verified by Visa/ MasterCard SecureCode pop-up window on your computer screen that includes your Personal Assurance Message (PAM) or Personal Greeting message. Look for and confirm your PAM/ Personal Greeting then enter your password. HDFC Bank will then confirm your identity to the merchant. Your payment is authorized and your order is placed. View more
Must I open Regular Current account in each location where I have my company office 
 No. As a Regular Current account holder you have the advantage of single account, multi-location banking.
Who can purchase ForexPlus Platinum Card 
 ForexPlus Platinum card can only be used for making payments outside India except for Nepal & Bhutan. Whenever the cardholder is using his card he must be present at the place of transaction & need to sign the chargeslips. Thus, we issue ForexPlus Chip card to customers travelling abroad basis valid documentation proof.
What is the requirement to avail of the InvestTrack facility  
 You need to have an existing Investment Services Account (ISA) or you need to open an ISA, without which you will not be registered under InvestTrack
Who can purchase ForexPlus Card 
 ForexPlus card can only be used for making payments outside India except for Nepal & Bhutan. Whenever the cardholder is using his card he must be present at the place of transaction & need to sign the chargeslips. Thus, we issue ForexPlus card to customers travelling abroad basis valid documentation proof.
Is there a usage limit 
 No upper limit for usage limit on Point of Sale transactions. Usage restricted to the available balance in card.
Is there an age limit on the property for it to be insured 
 No there is no age limit to buy a home insurance policy.
What are the plans available under this policy 
 You can insure yourself for Rs. 3 Lakhs, Rs. 4 Lakhs or Rs. 5 Lakhs. You can choose from any of the four plans mentioned below: 1 Adult 2 Adults 2 Adults and 1 Child 2 Adults and 2 Children The policy offers the option to cover on an individual sum insured basis or a family floater basis. View more
How will HDFC Bank sell the silver 
 Initially, HDFC Bank will sell the silver through its branches.
Can I reload my Card while I am abroad 
 You can reload the Card through a person appointed by you. The authorized person can reload the card by visiting any of the HDFC Bank branch.
Will my accident policy cover me even if I am out of the country 
 Yes the accident policy will cover you even if you are out of the country. The sum insured will be paid to you in Indian Rupees in case of a claim i.e. the claim will be paid out in India only.
What is the HDFC Bank Apollo Medical Benefits Card 
 It is an electronic Prepaid Card issued to corporate organizations for offering medical allowance/reimbursement to their employees.
What do you mean by exclusions under the Revive Policy for Personal Accident 
 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.
How can I avail exemption from TDS on interest earned on Fixed Deposits 
 To avail exemption from TDS on interest earned on Fixed Deposits, please submit a completed Form 15H (for Senior citizens) or Form 15G (for Regular customers) at any nearest HDFC Bank Branch (Form available on the website).
Do I need to have HDFC Bank account to purchase the HDFC Bank ForexPlus Platinum card 
 No, you don't need to have an account with HDFC Bank to purchase the ForexPlus Chip card. You can just walk into any of our HDFC bank branches in India and purchase it over the counter on submission of relevant KYC documents.
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 or Single
Why is HDFC Life C2P+ Extra Life Cover important 
 C2P Plus Extra Life Option, provides double the benefit in case of death due to accident.
Can a non Traveller purchase ForexPlus Chip Card 
 No, ForexPlus Chip Card can only be issued to Travellers. ForexPlus Card is valid for making payments in countries other than India, Nepal & Bhutan. Whenever the cardholder is using his card he must be present at the place of transaction & need to sign the chargeslips. If the cardholder is a non - traveller he can not be present at the time of transaction processing, hence ForexPlus Chip Card can not be issued to a Non- traveller.
How do I convert my existing portfolio of Mutual Fund units to an Online Mutual Fund portfolio 
 Currently, this facility is not available.
What do I receive on Maturity 
 You will receive the Fund Value on maturity as a lump sum amount or you can choose to receive the same over a period of 5 years through Settlement Option.
What is the HDFC Bank Contactless MulticurrencyForexPlus card 
 HDFC Bank Contactless Multicurrency ForexPluscard is an embedded chip based prepaid forex card introduced in partnership with VISA/MasterCard International. It is the first card to offer you the option of carrying upto 23 currencies simultaneously in a single card in a convenient and secure way. This card gives you the freedom to shop anywhere in the world and provides access to the currency of your destination at competitive market rates. It can be used at all VISA/MasterCard affiliated ATMs and merchant establishments worldwide. This card cannot be used for payments in India, Nepal or Bhutan.
Will sum assured be used to calculate any benefits 
 Yes, guaranteed additions and vesting addition is a percentage of this sum assured on vesting
What are the additional servicing charges 
 Rs. 250 per request on. Premium collection related services such as cheque pick-up/premium payment via outstation cheques/drop-box deposit. Cheque bounce/cancellation of cheque. Request for duplicate documents such as duplicate premium receipt, duplicate policy document. Cancellation/failure of ECS/SI due to an error at client’s end or fresh request of ECS / SI mandate initiated by client. Premiums paid via credit card, the company may charge up to 2% of installment premium depending on the credit card used
What are the charges applicable for this plan 
 HDFC Life Click 2 Invest – ULIP offers a minimal charge structure as stated below: Premium Allocation Charge: Nil Policy Administration Charge: Nil Discontinuance Charge: Nil Fund Management Charge: 1.35% p.a. of the fund value, charged daily Mortality Charge: The amount of the charge taken each month depends on your age and level of cover In addition, only if you request for partial withdrawal, fund switch and premium redirection a charge of Rs 250 per request or a reduced charge of Rs 25 per request (if executed through the company’s web portal) will be charged. First 4 partial withdrawals, 4 fund switches and 4 premium redirections in a policy year are free.
How will I receive the redemption amount 
 You can receive redemption amounts through a Direct Credit in your Savings Bank Account mentioned in Investment Services Account opening.
How do I know if an ATM will accept my Multicurrency Card 
 Look out for the VISA logo.
I'm not a traveller, can I still benefit from the ForexPlus Chip Card 
 The ForexPlus Chip Card is only for travellers, and cannot be issued to non-travellers
Do I need to enter ‘#’ after keying in my Card number/ Card expiry date/ CVV number 
 Please listen to the recorded message and follow the instructions while entering your card details.
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 8 years and 3 full years’ premium have been paid for premium payment term of 10 and 12 years.
Is there any co-payment applied on this policy 
 All person(s) named covered under the policy above the age of 80 years (age last birthday) shall bear a co-pay of 10% for each and every claim.
Can I use this account for regular cheque/ cash deposits & withdrawals 
 Yes, you can use it as a regular account for typical banking transactions.
What is cumulative bonus 
 Cumulative bonus is an increase in the sum insured by a specified percentage of every claim free year subject to a certain maximum, provided that the policy is renewed without any break. Under the Health Suraksha policy, you can avail a 5% cumulative bonus for every claim free year upto 50% of SI..
What is the maximum tenure to repay the Loan Against Property 
 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.
Do I have an option to pay a skipped/ missed EMI for Pre-owned Car Loans 
 Yes, you can pay your missed EMI online. You need to provide your HDFC Bank Loan details, confirm payment towards HDFC Bank Loan account post which you will receive an online transaction confirmation and a Transaction Reference Number. The link for making HDFC Bank overdue loan repayment online is given below. https://www.billdesk.com/pgidsk/pgmerc/hdfcemi/index.jsp .
When can we open pension accounts 
 You can open pension account 6 months prior to your date of retirement.
Where can I use my EasyShop Platinum Debit Card 
 Just look for the Visa logo when shopping. If you'd like to use an ATM, it should have the Visa or PLUS logo. And remember, you can use your EasyShop Platinum Debit Card at all HDFC Bank ATMs just like a normal card.
What happens in case of me wanting to surrender my policy 
 On request for surrender from you, the risk coverage will cease with immediate effect.If you surrender before the end of the 5 years from commencement of the policy, Your fund value (as on date of surrender) will be moved to the ‘Discontinued Policy Fund’ and will earn a minimum guaranteed return as specified by IRDA. 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. A fund management charge of 0.50% p.a. will be levied on the ‘Discontinued Policy Fund’ Your fund value as held in the ‘Discontinued Policy Fund’ will be payable to you at end of the 5th policy year In case of the death of the life assured or policyholder, before the payment of the surrender benefit, the amount in the Discontinued Policy Fund will be paid out immediately. If you surrender your policy after completion of 5 years from commencement of the policy, your fund value will be paid to you. On surrender, no additional charges will be levied.Once any surrender payment has been made the policy terminates and no further benefits are payable.
What is the minimum/maximum age at entry/maturity 
 Eligibility Criteria Minimum Maximum Age at Entry Age (years) 30 days * 45 Age at Maturity (years) 18 70 All ages mentioned above are age last birthday. * The minimum age at maturity should be 18 years.
What are the benefits of having a Current/Saving Account for my Loan to Professionals 
 You get preferred Processing Fee, priority processing and simpler documentation if you have a Current/Saving Account with HDFC Bank. This is taken into account at the time of disbursal of the loan. You can pay through Standing Instructions to debit your HDFC Bank account with the EMI amount.
How can I get an International Debit Card with my Basic Savings Bank Deposit Account - Farmers 
 You can get an International Debit Card only on request at the branch @ Rs. 100 p.a. (plus applicable taxes) for each applicant.
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.
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
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.
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.
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.
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.
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.
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
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.
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)
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.
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
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
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.
How long will it take to process the loan 
 The loan gets processed within 48 hours of completing documentation.
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.
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.
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
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.
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.
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.
What is PDC 
 PDC stands for Post dated cheques. PDCs are collected for repayment of EMIs.
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
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.
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.
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.
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.
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.
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
How many nominees can be added to a single locker 
 A nomination can be made in favour of only one individual.
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.