haiderullah2174/bankfaq huggingface dataset:
user
Why should I buy Critical Illness insurance

assistant
Critical Illness insurance provides you and your family 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 aid Debts pay off Any lost in income due to a decrease in ability to work View more
user
Can I access my account from any HDFC Bank branch

assistant
Yes. All HDFC Bank branches and systems are interconnected by state-of-the-art technology and allow access at all times.
user
What is De-pledge

assistant
Removal of a pledge from the security to regain the rights over the security is called de-pledge. *Conditions Apply
user
What is the maximum deposit amount a Recurring Deposit account can be opened with

assistant
The Maximum installment amount you can open a recurring Deposit account with is Rs 14,99,900/- per month.
user
How can I prematurely liquidate my Fixed Deposits

assistant
We request you to submit your Fixed Deposit advice, duly discharged by all account holders, at the nearest branch for premature liquidation of your fixed deposit. In the absence of your Fixed Deposit advice, you need to submit the attached Fixed Deposit Liquidation form. Visit a branch or call us You may visit the following URL to access information for the complete address and contact details of our Branches as well as our PhoneBanking numbers. NetBanking Alternatively, you can liquidate your Fixed Deposits through NetBanking. This facility is available to Fixed Deposits held under Sole Owner (SOW) relationship only.The following are the steps required to liquidate your Fixed Deposit online: Access your NetBanking account with your Customer ID and IPIN (NetBanking Password) Select the “Liquidate Fixed Deposit option under the Fixed Deposit menu from the Menu bar located on the left hand side of the web page Select the Fixed Deposit account number from the Drop-down lists Once complete, click on Continue and Confirm the details entered A new web page, confirming the Liquidating Fixed Deposit will be displayed. This facility is available on NetBanking only to customers having Account and Fixed Deposit in Sole Name Further, kindly note that: Fixed deposits booked through branch can also be liquidated on NetBanking provided the FD is held with Sole Owner Relationship Fixed Deposits in the name of Non-individuals are not allowed for liquidation through NetBanking. Additional Information - As per current policy of the bank on premature liquidation, the interest rate applicable for premature closure of deposits (all amounts) will be the lower of: The base rate for the original/contracted tenure for which the deposit has been booked OR The base rate applicable for the tenure for which the deposit has been in force with the Bank. # the base rate is the rate applicable to deposits of less than Rs.15 Lakhs as on the date of booking the deposit. Further to the Terms & Conditions of Fixed Deposit Accounts of the Bank, the penalty on premature closure of Fixed Deposits including sweep-in and partial closures has been fixed by the Bank at the rate of 1%. This is applicable for all deposits booked on or after 24th January 2011. View less
user
What is IVR Password and how does it work

assistant
To make telephonic (IVR) transactions more secure, all purchases/payments to merchants that you make using your mobile or telephone need to be authenticated with an additional password. While making an IVR transaction, you will be prompted to enter the IVR password after you enter the Card number, Card expiry date and the CVV number. If you fail to enter the IVR password, the transaction will be declined. View more
user
How do I obtain a NOC from the bank if my Registration Certificate is mutilated and  I wish to apply for a duplicate Registration Certificate book for a vehicle under finance with HDFC Bank

assistant
You may obtain the NOC for a duplicate Registration Certificate book for the said purpose 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, 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. View more
user
How do I obtain a Duplicate Repayment Schedule for my loan account

assistant
You may obtain a Duplicate Repayment Schedule for your loan account, free of charge by registering for our NetBanking facility on www.hdfcbank.com and download the repayment schedule for your linked loan account. Alternatively, you may visit the nearest Retail Loan Service Center and submit the following documents Request form for Duplicate Repayment Schedule. Duplicate Repayment Schedule Charges of Rs.200/- 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
user
What are the available plans under the Critical Illness policy

assistant
You can choose to be insured for any of the following amounts: Rs. 2,50,000, Rs. 5,00,000, Rs.7,50,000 or Rs. 10,00,000.
user
How much is the Service Tax on Cross Currency Conversion, applicable at the time of Load, Reload and Refund

assistant
Following are the currency conversion service tax slabs applicable at the time of Load, Reload and Refund. For more details on other charges applicable on Regalia ForexPlus Card refer section Fees and Charges Buy and Sell Forex CurrencyService Tax Amount Up to Rs. 1 lakh 0.15% of the gross value or Rs. 37.5/- whichever is higher From Rs. 1 lakh to Rs 10 Lakhs Rs. 150 plus 0.075% of the amount exceeding Rs. 1 lakh From Rs. 10 lakhs and above Rs. 825 plus 0.015% of the amount exceeding Rs. 10 Lakhs, subject to a maximum of Rs. 7500 (including Swachh Bharat Cess and Krishi Kalyan cess as applicable)
user
What is SI

assistant
SI stands for Standing Instructions. It is one of the modes you can use to repay a loan, wherein your HDFC Bank account is directly debited for the EMI amounts, based on your specific instructions in the form of the Standing Instructions Mandate.
user
Do I need to have HDFC Bank account to purchase the Multicurrency Platinum ForexPlus Chip card

assistant
No, you don't need to have an account with HDFC Bank to purchase the Multicurrency card. You can just walk into any of our HDFC bank branches in India and purchase it over the counter.
user
How long will it take to update a change of address

assistant
Your mailing address will be updated within 7 working days once the application, with any supporting documents, is received and found to be in order. The change in address will also be confirmed through system generated mailers sent to the old as well as the new addresses. If you do not receive any update after the stipulated time mentioned above, we request you to Contact Us with the following details in order to enable us to assist you further: The date when you submitted your request The complete Branch address where the request was submitted. Click here to see details of all our bank branches The name of the executive and complete address of the executive’s source branch, if the form is handed over to an executive
user
Must I open an account in each location where I have my company office

assistant
No. As a Premium Current Account holder you have the advantage of a single account, multi-location banking facility.
user
What do I need to submit to place an IPO/NCD order through my HDFC Securities Trading Account

assistant
Once you are registered with HDFC securities, you can successfully place an IPO/NCD/ Infrastructure Bonds order online; or Call ‘N trade. No filling of any form or any documentation is required if you are a registered customer.
user
Can a joint account be opened with a non-senior citizen

assistant
Yes, as long as the first account holder is a senior citizen.
user
What is the price that the gold will be sold at

assistant
The price will depend upon the market rate of gold.
user
Do I need to pay for hospitalisation

assistant
If you are admitted in any of our network hospitals, you can avail a cashless facility. We will directly reimburse all the admissible expenses to the hospital. However, in case of non-network hospitals you will have to settle hospital bills at the time of discharge and consequently, the same will be reimbursed to you by us.
user
Who do I contact to submit a claim under Health Suraksha policy in case of hospitalisation

assistant
For hospitalization /claim, customer can contact via Call: 1800 200 1999 / 1860 2000 700 Fax: 1860 2000 600 Email: [email protected] Through IPO: Login to Insurance Portfolio Organizer (IPO) from HDFC Ergo website home page
user
What will be done with the post dated cheques if I request to change the mode of repayment/ account for my loan

assistant
Post Dated Cheques(PDCs)/Security Cheques submitted towards loan repayment that have not been encashed, will be defaced and retained by the Bank. In case, you wish to have your old Post Dated Cheques(PDCs)/ Security Cheques to be returned to you, kindly lodge a request at the Retail Loan Service Center or through PhoneBanking or write us an email at www.hdfcbank.com/services within 45 days from the date of application of change in repayment instructions. In case, we do not hear from you within the stipulated period, the defaced cheques will be destroyed.
user
Are there extra charges to be aware of

assistant
A few things to note - US Banks are given the right to add a surcharge to other bank customers accessing their ATMs. There are also certain ATMs in other countries that may levy a charge for transactions made by non-bank customers. These fees are normally displayed during the transaction. Check for this, so that you can either proceed with or end the transaction.
user
What is the surrender benefit

assistant
If you surrender before completion of the 5th policy year, your Fund Value less applicable charges will be moved to the DPF and the proceeds from DPF will be paid out on the completion of the lock-in period. If you surrender after completion of the 5th policy year your Fund Value will be paid out to you. Upon payment of this benefit the policy terminates and no further benefits are payable. Please refer to the policy document for further details on Surrender.
user
Where I can redeem my ‘Thanks Again’ Reward points

assistant
You can redeem points for leading domestic Airline Miles & Hotel Loyalty Points programs. As per existing arrangement, you can redeem the points against JetMiles or against Taj InnerCircle program
user
What options should I choose to withdraw cash from the ATM

assistant
Generally, the options available at the ATM for cash withdrawal are Checking, Credit, and Savings. You should choose the Checking/Current option. In case the Checking /Current option is not available, you should select the Credit option.
user
What is the Death Benefit this plan

assistant
In case of the Life Assured’s unfortunate demise during the Policy term, provided all due premiums have been paid, the nominee will be paid the “Sum Assured on Death”. The “Sum Assured on Death” shall be the highest of: - Sum Assured less an amount# for Partial withdrawals made, if any (as detailed below) - Fund value - 105% of total premiums paid till the date of death* #The partial withdrawals to be deducted from the Sum Assured shall be: For death before attainment of age 60 - all partial withdrawals made during the two year period immediately preceding the date of death of the Life Assured. For death on or after attainment of age 60 - all partial withdrawals made after attainment of age 58 years of the Life Assured. Upon payment of the death benefit, the Policy shall terminate and no further benefits are payable.
user
What is the Death-Benefit under the plan

assistant
On death of the life assured, provided all due premiums are paid, Before the attainment of 60 years of age, the nominee will receive the higher of the following Sum assured (less all withdrawals made during the two year period immediately preceding the date of death) The total fund value On or after the attainment of age 60 years, the nominee will receive the higher of the following Sum assured (less all withdrawals made after attainment of age 58) The total fund value Minimum Death Benefit would be at least 105% of the annual premiums paid The policy will terminate thereafter and no more benefit will be payable. View more
user
I'm a senior citizen – are there any extra benefits

assistant
You gain an additional 0.50% rate of interest.
user
How do I know if I am eligible for an education loan for foreign education

assistant
If you are an Indian resident/citizen, have got admission for a job oriented professional / technical courses offered by reputed universities, MBA, MCA, MS, etc, Degree / diploma courses like aeronautical, shipping, etc provided these are recognized by competent regulatory bodies in India/abroad for the purpose of employment in India / abroad.
user
Where do I find the CVV2

assistant
CVV2 is three digit number mentioned at reverse of your card.
user
Can the value of the card be topped up

assistant
Yes, your Multicurrency card can be reloaded multiple times in future till the card gets expired. Existing bank customers can reload their Multicurrency card through HDFC Bank NetBanking 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 PhoneBanking service. Incase the Card is issued by your corporate/employer, reload requests received through them will be acted upon by HDFC Bank.
user
How can I cancel my ISIC HDFC Bank ForexPlus Card

assistant
To cancel your ISIC ForexPlus Card, we request you to contact the PhoneBanking team or walk into your nearest HDFC Bank branch and place a request towards cancellation. Your request will be processed within one working day of us receiving the request. There are no charges towards the cancellation of a ISIC ForexPlus 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:
user
What is the HDFC Bank MoneyPlus Card

assistant
It is an electronic prepaid card issued to corporate organizations.
user
What are the different loan repayment modes

assistant
The loan can be repaid through a Standing Instruction (to debit your HDFC Bank Savings/Current Account for repayment of EMIs) or ECS (to debit your External Bank Account for repayment of EMIs) or by a complete set of Post Dated Cheques.
user
What does DCC/ MCC stand for

assistant
DCC stands for Dynamic Currency Conversion whereas MCC stands for Multiple Currency Conversion. DCC / MCC at ATM / POS gives the cardholder an option to initiate a transaction in the currency of his choice. It also assists the cardholder to know the exact transaction value in the currency selected at the time of transaction.
user
Can I take any loan

assistant
Policy loan is not offered in this plan.
user
Where can I check the Times points earned for my transactions

assistant
You can login to the www.timespoint.com using your username and password to check the times point earned.
user
How do I know my beneficiary's details for a cheque issued in my name

assistant
To know your beneficiary's details for a cheque issued by you / issuer name for a cheque credited in your account, please contact any of our bank branches. To download a Service Brochure, click here For more details, Contact Us
user
Can I make multiple claims for the same or any other listed Critical Illness

assistant
No, you can make only one claim during the lifetime of the policy.
user
Is Multicurrency Platinum ForexPlus Chip card enabled for Verified by VISA (VBV)

assistant
Ypes, Multicurrency card offered on VISA platform are pre-enabled for Verified by VISA that allows you to securely perform Ecommerce transactions. Following are the steps to perform Ecommerce transaction with VBV participating merchants: Select the goods or services you want from a online store and proceed to the payment page. Enter your HDFC Bank Multicurrency Platinum ForexPlus Chip card Visa number and the online store will connect with HDFC Bank to check whether your Card is secured with Verified by Visa. Enter your IPIN (used for login to Prepaid NetBanking) and HDFC Bank will then confirm your identity to the merchant. Your payment is authorized and your order is placed.
user
What are the documents required for opening a Current Account of a partnership firm

assistant
Following documents are required for opening a Current Account of a partnership firm: Latest Partnership Deed Documents establishing proof of existence - Certificate of Registration under any Statute/Act or professional bodies - Registration Certificate issued by Registrar of Firms - Valid Business License or Certificate of Registration issued by State/Central Government authority (validity would include the grace period for renewal as mentioned in the certificate) - PAN Card in the name of the firm; - Self-signed cheque issued from the firm’s account from a PSU/private sector/foreign bank along with a bank statement not older than four months Documents for establishing proof of address - Landline telephone bill/electricity bill of public and approved private operators in the State. (Bills not to be older than 4 months from the date of account opening) - Property Ownership Deed i.e. title deeds of the property in the name of the firm duly stamped and registered - Latest property tax or water tax paid receipt/bill raised in the name of the firm - TAN Allotment Letter in the name of the firm - Existing bank account statement or passbook of a PSU/private sector/foreign bank - Statement not older than 4 months from the date of account opening to be accepted Documents for establishing photo identity of authorised partners/signatories View more
user
How can I change the mode of repayment/ account for my loan

assistant
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 Centre: 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 Centre: 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 the 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
user
Should I buy a plan in my Child’s name or in my own name

assistant
When purchasing a Life Insurance plan, it is important to remember that its main purpose is to replace an income that is lost in case of the unfortunate demise of the chief bread winner of the family (Life Assured). A child rarely has an income and therefore has no reason to be insured. If the Insurance Plan is taken in name of the child, the plan gets derailed in case of the unfortunate demise of the parent. Thus, the very objective of any Children’s Plan is undermined if the plan is acquired in the child’s name. Therefore, as far as possible, make sure that you, as a parent, are the Life Assured and the nominee or the beneficiary is your child.
user
Do I need to pay an additional amount over and above the Cash withdrawal Charges levied by HDFC Bank for ATM transactions

assistant
The Banks in the U.S. are given right by the local federal laws to charge Surcharge/fees from other Bank customer's accessing their ATM to withdraw money. Accordingly many ATMs in US do levy charges for withdrawing from their ATM over and above the charges levied by the HDFC Bank. Similarly, there are certain ATMs across other countries which may levy a charge for transactions done by other bank customers. This charge is normally displayed to the customer during the transaction and the customer has the option to either proceed with the transaction or abort it.
user
How can I stop a cheque payment

assistant
To make a Stop Payment request on an issued Cheque, kindly follow the steps mentioned below: Log in to your NetBanking account Click on the Stop Payment of Cheque option available under Request menu on the left hand side of the web page Select the Account Number (if more than 1 account) Enter first/Start cheque number to the last/End cheque number, with a reason for stopping the payment. Click on Continue. On the next web page, you can verify and click on Confirm tab to confirm the stop payment request. To make a stop payment request on a single cheque, enter the same number in both the fields provided. Stop payment of cheques through NetBanking is free of charge. You may obtain the cheque series from PhoneBanking and then use NetBanking to stop the cheques. Alternatively, you could use PhoneBanking or the branch to make a Stop Payment request for a cheque. Read more about fees and charges applicable to stop cheques here. These charges attract a Service Tax and an Educational Cess as applicable in terms with the current Finance Bill.
user
Can I use the RuPay Platinum Debit Card to pay online

assistant
Currently your RuPay Platinum Debit Card can be used to make purchases from Domestic online merchants who have the RuPay PaySecure certification displayed on their website.
user
What happens if I have multiple folios/accounts with a Mutual Fund

assistant
You can inform the Mutual Fund to update the KYC Acknowledgement against all the folios/accounts you have with it. However, each of the holders in these folios/accounts should be KYC Compliant.
user
What are the advantages of investing in SIP

assistant
A large part of the success of Mutual Funds is also the advantages they offer in terms of diversification, professional management and liquidity. Power of Compounding: The longer the period of your investment, the more wealth you can accumulate because of the power of compounding. That’s why it makes sense to start investing early. Quite simply, the incremental returns that you earn on your principal, plus accrued gains, is compounded. Rupee Cost Averaging: Most investors want to buy stocks when the prices are low and sell them when the prices are high. But timing the market is time consuming and risky. A more successful investment strategy is to adopt a method called Rupee Cost Averaging. By investing in an SIP you end up buying more units when the price is low and less when the price is high. To set up an SIP, walk in to your nearest HDFC Bank branch or invest through an Investment Services Account. View more
user
What is the time taken to realize outstation cheques

assistant
The indicative time taken for the realization of outstation cheques is given below: Cheques drawn where HDFC Bank has a branch, credit will be given on receipt of clear funds in: Main metro locations (Mumbai, Chennai, Kolkata, New Delhi): 7 working days Metro centers and state capitals (other than those of North Eastern states and Sikkim): Maximum period of 10 working days. In all other centres where we have branches: maximum period of 14 working days. Cheques drawn on non-branch locations where we have a tie-up with correspondent banks, credit will be given on receipt of clear funds: Within a maximum period of 14 working days Cheques drawn on non-branch locations where we do not have a tie-up with correspondent banks, credit will be given on receipt of clear funds: Within a maximum period of 14 working days For more details on the outstation cheque collection policy, click here. For other queries, Contact Us. View more
user
What is the minimum premium that I need to pay in order to take an HDFC Life Uday Policy

assistant
HDFC Life Uday low ticket size which makes it affordable for customers from all income segments. The minimum premiums have been outlined below : Frequency of Premium Payment Minimum Installment Premium Maximum Installment Premium Annual Rs. 5,000 No limit2 Half-Yearly Rs. 2,500 Quarterly Rs. 1,250 Monthly Rs. 500 1The minimum premium amounts are exclusive of applicable service tax and education cess. 2The acceptance of any case is subject to Board approved underwriting policy. 3If you opt for the monthly premium frequency, three months premiums in advance on the date of commencement of policy shall be accepted, as a prerequisite to allow monthly mode of premium payment.
user
What are the eligibility criteria for a Travel Insurance policy

assistant
Our Travel Insurance policy is available to people of any age between 6 months and 70 years.
user
Are there charges I should know about Titanium Royale Debit Card

assistant
Another benefit of the EasyShop Titanium Royale Debit card is that there are absolutely no transaction charges when shopping at a merchant location. Any Fuel surcharge levied will be reversed within 75 days from the date of levy of the surcharge(upto a maximum of Rs. 750 per month per card. You can use your card charge-free at all HDFC Bank ATMs, but remember to check the associated fees when using other bank ATMs. Please also remember that charges will be levied at Railway stations. This is as per industry practice. View more
user
When does my Accidental Protection Plan - Hospital Cash policy start

assistant
Your policy will commence within 15 days from the date of receipt of the form and premium payment.
user
Is there any discount if I choose higher premiums

assistant
Yes. To reward you for your showing faith in the HDFC Life Uday policy, there is a High Sum Assured Rebate. The conditions are mentioned below : Sum Assured on Maturity(Rs) PPT 8 years PPT 10 years Less than 2,00,000 Nil Nil 2,00,000 to 4,99,999 5 2.5 5,00,000 or above 7.5 5
user
Where can I use my EasyShop Business Debit Card

assistant
Just look for the MasterCard logo when shopping, and if using an ATM check for the MasterCard/Cirrus logo.
user
What is Amortization

assistant
Amortization is paying off debts in regular instalments over a period of time.
user
If I want to apply physically for an IPO through ASBA, what should I do

assistant
You have to visit the nearest designated HDFC Bank branch to apply in an IPO through ASBA. It is not essential that you hold an Account in that branch, you should hold an Account with the Bank though. Click here for List of Designated Branches Fill in the no. of shares, price, Account number, PAN, Demat Account details, etc. in the specially designed ASBA application form of the IPO you wish to apply for and submit it at the branch. You will receive the acknowledgement from the branch along with the Unique Reference Number. Subsequently, the Bank will block the amount on your highest bid in your specified Bank Account for the IPO as applied. In case of insufficient funds in your Bank Account, the bank will reject the IPO application. After the allotment has been approved, the Bank will debit your Account for the allotment money and will release the block on the remaining amount in the Account. Subsequent to this, the shares will be credited to your Demat Account. You can now download the application forms from the NSE/BSE website. You can also register your Bank/Demat details to avoid filing the same for every issue. Click here to download the form through BSE Click here to download the form through NSE View more
user
What are the documents required for opening Current Account of a company

assistant
Following documents are required for opening Current Account of a company: Private Limited Companies - Memorandum of Association (MOA) - Articles of Association (AOA) - Certificate of Incorporation - Latest list of directors duly signed by any Director/Company Secretary /Authorised Signatory - Board Resolution (BR) duly signed by the directors of the company. Limited Companies - Memorandum of Association (MOA) - Articles of Association (AOA) - Certificate of Incorporation - Certificate of Commencement of Business - Latest list of directors duly signed by any Director/Company Secretary/Authorised Signatory - Board Resolution (BR) duly signed by the Directors/Company Secretary of the Company View more
user
Who can resolve my queries

assistant
For your queries related to Loans (other than home loans), please visit the nearest Retail Asset Branch. You can also write to us at www.hdfcbank.com/services with the following verification details or contact your nearest PhoneBanking officer: Loan account number Name of applicant / loan favouring Date of birth of the applicant (as provided in loan application form) Correspondence address Loan amount EMI amount Mode of repayment (standing instruction / ECS / post date cheques) Bank name and account number from which the EMIs are collected Query / Complain View more
user
On which email id will I receive the OTP for Credit card registration or for password reset

assistant
If there are 2 email ids updated in our system, OTP will be sent to both the email ids. However, only one of them is required for validation during registration / password reset.
user
What are the charges I have to pay to change the mode of repayment/ account for my loan

assistant
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.
user
How do I know my beneficiary's details for a cheque issued in my name (Kisan Club Savings account)

assistant
To know your beneficiary’s details for a cheque issued by you / issuer name for a cheque credited in your account, please contact any of our bank branches. To know about Service charges and fees click here. For more details, Contact Us.
user
What will be done with the post dated cheques if I request to change the mode of repayment/account for my loan

assistant
Post Dated Cheques(PDCs)/Security Cheques submitted towards loan repayment that have not been encashed, will be defaced and retained by the Bank. In case, you wish to have your old Post Dated Cheques(PDCs)/ Security Cheques to be returned to you, kindly lodge a request at the Retail Loan Service Center or through PhoneBanking or write us an email at www.hdfcbank.com/services within 45 days from the date of application of change in repayment instructions. In case, we do not hear from you within the stipulated period, the defaced cheques will be destroyed.
user
Can I include my parents in this policy

assistant
Yes, you can include your dependent parents up to 70 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.
user
How would I pay the interest debited to my Loan Against Securities account each month

assistant
Simply service your interest payable at monthly intervals through credits in your overdraft account.(As per RBI Guidelines DBOD.NO.BP.BC.10/21.04.048/2004)
user
Who can be my co-borrowers

assistant
Relative with a good income and who can support your education loan application. Typically it can be your father, mother, brother, sister, spouse, cousin, paternal uncle (Chacha), paternal aunt (Chachi), maternal uncle (Mama), maternal aunt (Mami), grandfather, grandmother.
user
Can I register more than one HDFC Bank Credit/ Debit Card

assistant
Yes, you can register all of your HDFC Bank Credit and Debit Cards for Verified by Visa/MasterCard SecureCode.
user
What is Grahak Seva Kendra

assistant
Our Grahak Seva Kendra addresses your queries pertaining to Two-Wheeler Loans. Contact our Grahak Seva Kendra on 020-39401010 between 10:00 AM and 05:30 PM from Monday to Friday, and 10:00 AM and 01:30 PM on Saturday. Alternatively you can also contact our PhoneBanking number for customer support. *Conditions Apply
user
What do you mean by pre-existing diseases not covered under the Critical Illness - Platinum plan

assistant
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.
user
How soon can I get a MoneyPlus card

assistant
MoneyPlus card is a personalized VISA Card and the TAT for receiving a personalized card is 7 working days.
user
Do I need to have HDFC Bank account to purchase the HDFC Bank ForexPlus Chip card

assistant
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.
user
What is the Death-Benefit under the plan

assistant
On death during the policy term, provided the policy is in force, the nominee will receive the higher of the following: Sum Assured 10 times the Annualized Premium* 105% of the premiums* paid till date In addition to the above, accrued guaranteed additions would be payable on death. *The Premium amount excludes any underwriting extra premiums and any taxes paid. On payment of the Death Benefit, the policy will terminate and no more benefits will be payable. View more
user
Can I load Hajj Umrah ForexPlus card by making payment in Cash

assistant
Hajj Umrah ForexPlus card Can be loaded against payment of cash upto a maximum value of Rs. 49,999.
user
What are the tenure options for Loan against Car

assistant
The tenure options range from 12-60 months. The vehicle age at the end of Loan against Car tenure should not exceed 7 Years (Private Usage) and 6 Years (Commercial Use).
user
Where can I get the list of hospitals extending the cash facility

assistant
There is no standard list of hospitals. The insured needs to intimate the International SOS immediately on admission so that the cashless facility may be extended by the assistance provider.
user
Can I terminate my policy

assistant
You can surrender you policy subject to a lock in period of 5 years. No discontinuance charge is charged in this policy. Please refer to product brochure for more details on discontinuance of premiums and surrender of policy.
user
What are the documents required for opening a Current Account of a sole proprietorship firm

assistant
Following documents are required to open a Current Account of a sole proprietorship entity: Proof of existence in the name of firm Proof of address in the name of firm KYC of the proprietor Any two of the below listed documents shall be obtained for establishing proof of existence. Registration certificate/license issued by Municipal authorities such as Shop & Establishment Certificate/Trade License CST/VAT/Service Tax Certificate or Letter Of Registration for CST/VAT/Service Tax Certificate/Registration document issued by Professional Tax authorities Valid Business License or Certificate Of Registration issued by State/Central Government authority (validity would include the grace period for renewal as mentioned in the certificate) RBI/SEBI Registration Certificate License issued by Food and Drug Control Authorities Import - Export certificate (IEC Code) issued by the Director General of Foreign Trade Documents for establishing proof of address Landline telephone bill/electricity bill of public & approved private operators in the state. (Bills not to be older than 4 months from the date of account opening) Property Ownership Deed i.e. title deeds of the property in the name of the firm duly stamped and registered TAN Allotment Letter issued in the name of the firm Latest property tax or water tax paid receipt/bill raised in the name of the firm Existing bank account statement or passbook of a PSU/private sector/foreign bank. Statement not older than 4 months from the date of account opening to be accepted ** This is only indicative list. Please visit your nearest branch for details View more
user
I do not have an account with HDFC Bank, but would like to invest in Mutual Funds. What do I do

assistant
You can contact any HDFC bank Branch to open a Bank account and once your Savings account is activated. You can fill in the application form for an Investment Services account along with a KYC form and the requisite documents, if you are not KYC Compliant, and send them to your Relationship Manager/Personal Banker or nearest branch. After you receive the welcome letter, you can start investing in Mutual Funds online.
user
What is Critical Illness insurance

assistant
Critical Illness insurance is a policy that pays out a lump sum under ‘Section 80D’. In the case of senior citizens you can avail up to Rs. 20,000 as tax benefit under ‘Section 80D’.
user
What kind of collateral security is required

assistant
Security which can support your loan amount is collateral. It can be a flat, house, non-agricultural land, fixed deposit, etc. Sufficient and good collateral security improves loan application significantly.
user
What are the exchange rates applicable when I use my Travel Card for transactions (Cash withdrawal at ATMs and point of sale transactions at Merchant Outlets)

assistant
If the transaction is done in base currency (currency with which the card was loaded), there is no exchange rate applicable. However, for transactions other than the base currency, exchange rates / conversion rates from the base currency to the local currency would be applicable.
user
What currencies are available

assistant
There are three currencies offered: Euro (EUR) Sterling Pound (GBP) US Dollar (USD)
user
Is HDFC Bank venturing into gold/bullion market

assistant
Yes, HDFC Bank has RBI approval to retail gold/bullion to its customers.
user
How do I renew my policy

assistant
We will send you renewal reminders. The number of days advance reminder depends upon the pay plan opted for. Payplansbreakup : Cheque-45days Credit Card – 60 days
user
What are the fund choices

assistant
The plan offers 4 funds of varying risk & return profiles. Income Fund, Balanced Fund, BlueChip Fund and Opportunities Fund
user
What options should I choose to withdraw cash from the ATM

assistant
At the time of cash withdrawal across VISA/Plus ATMs abroad, the screen will display 3 options for the type of account you carry out transactions in: Credit Saving Checking Please choose the credit option for transaction to be successful or if this option is not available then only choose the checking option.
user
What is the HDFC Bank ForexPlus card

assistant
HDFC Bank ForexPlus card is a magnetic strip based prepaid card introduced in partnership with Visa / Mastercard International. The card offers you a convenient and secure way to carry forex. This card offers 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 ATMs and Merchant establishment worldwide. This card cannot be used for making payments in India, Nepal or Bhutan.
user
Can I use my existing Basic Savings Bank Deposit Account - Salary if I have changed employers

assistant
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.
user
Is there any transaction charge for placing the transaction offline or online

assistant
Yes, there is transaction charge for placing a transaction offline or online is as follows: With effect from 1st November 2011, HDFC Bank has opted-in for transaction charge as per the SEBI circular no. Cir/ IMD/ DF/13/ 2011 dated August 22, 2011. To know more Click here. View more
user
What is Guarantor

assistant
A Guarantor is a person who guarantees to pay for someone else's debt if he or she should default on a loan obligation.
user
How will I know if the transaction is successful

assistant
You will receive a charge slip from the merchant, and also receive an Emailer/ SMS on registered contact details once the transaction is successful
user
Can I have multiple Zero Balance Salary Account with your Bank

assistant
NO,One Person can Avail only one Zero Balance Salary Account.
user
Will I be able to access both my accounts at all establishments/ATMs through a single Debit Card

assistant
Your existing Debit Card will be linked to both accounts. Any additional card will be charged at the regular rates. You will be able to select either account to transact at HDFC Bank ATMs. At other VISA/PLUS ATMs (Other Bank’s ATMs) you may or may not have access to both accounts. When such an option is unavailable, you can only access your salary account. If you are a VISA Electron Debit Cardholder you can access only your Salary Account at merchant locations for transactions and not your Reimbursement Account. If you are a Maestro Debit Cardholder may be able to select between your Salary Account and Reimbursement Account at merchant locations.
user
Are there transaction limits for Titanium Royale Debit Card

assistant
Depending on the balance in your account, it is possible to withdraw up to Rs. 75,000 at the ATM daily, and spend Rs 1.75 lacs daily. These limits have been set for your card security.
user
For how many days policy can be extended

assistant
The total policy period including extension should not exceed 2 years.
user
When does the plan acquire Guaranteed Surrender value

assistant
The policy will acquire a Guaranteed Surrender Value (GSV) provided 2 full years’ premium has been paid. The GSV shall be aggregate of: Percentage of total premiums paid Percentage of accrued bonuses and accrued guaranteed additions Please refer the sales brochure or contact your Relationship manager to know the percentage factors for GSV
user
What is the death benefit under this plan

assistant
On death of the life assured during the policy term, provided all due premiums have been paid, the nominee will receive the higher of the following: Sum Assured on Death + Accrued Guaranteed Additions + Accrued Reversionary Bonuses + Interim bonus (if any) + Terminal bonus (if any) 105% of premiums* paid till date Where Sum Assured on Death shall be the higher of: Sum Assured on Maturity 10 times Annualized Premium* for entry age up to 50 years and 7 times Annualized Premium* for entry age greater than 50 years *excludes any underwriting extra premiums, modal loadings and taxes paid
user
What is CIBIL

assistant
CIBIL stands for Credit Information Bureau India Limited. CIBIL's aim is to fulfil the need of credit granting institutions for comprehensive credit information by collecting, collating and disseminating credit information pertaining to both commercial and consumer borrowers, to a closed user group of members. Banks, Financial Institutions, Non-Banking Financial Companies, Housing Finance Companies and Credit Card Companies use CIBIL's services. Data sharing is based on the Principle of Reciprocity, which means that only Members who have submitted all their credit data may access Credit Information Reports from CIBIL. The establishment of CIBIL is an effort made by the Government of India and the Reserve Bank of India to improve the functionality and stability of the Indian financial system by containing NPAs while improving credit grantors' portfolio quality. CIBIL provides a vital service, which allows its Members to make informed, objective and faster credit decisions. View more
user
What are the premium payment frequencies available under this product

assistant
You can choose to pay your premiums either annually(Regular Premium) or one time(Single Premium).
user
Where can the RuPay Platinum Debit Card be used

assistant
This HDFC Bank RuPay Platinum Debit Card is enabled for both domestic and International transactions. You can use your debit card for shopping at Merchant outlet and cash withdrawal at both Domestic and International locations. Additionally your card can be used online on domestic websites.
user
Can the OTP be generated prior to the transaction

assistant
No, OTP can be generated only during the transactions.
user
Will changes to my deposit portfolio affect my TDS liability

assistant
Yes. If the change or enhancement in your deposit portfolio earns a cumulative interest along with that of the earlier portfolio greater than Rs. 10,000/- you will be liable for TDS on your current portfolio. Note :If interest on the current portfolio is not sufficient to cover TDS, it will be recovered from the principal.
user
Do you offer any discounts for Home Insurance

assistant
Yes, we do. The discounts available are: 24 hour security guard – 5% Burglar Alarm – 5% Both – 15%
user
Can EEFC Account be opened by Special Economic Zone (SEZ) Units

assistant
No, SEZ Units cannot open EEFC accounts.
user
When do I become liable for TDS

assistant
If the aggregate interest that you are likely to earn for all your deposits held across branches in a customer id is greater than Rs.10000 in a financial year , you become liable for TDS. Note: Tax liability for TDS purpose is determined basis per pan no and not as per branch per pan no . Deposits held by minors are also subject to TDS. The credit for the TDS can be claimed by the person in whose hands the minor's income is included.
user
Do I need to have HDFC Bank account to purchase the HDFC Bank ForexPlus card

assistant
No, you don't need to have an account with HDFC Bank to purchase the ForexPlus 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.
user
Can I load the HDFC Bank eGiftPlus Card by making payments in Cash

assistant
No, the HDFC Bank eGiftPlus Card can be only purchased by making payment through NetBanking or via your Debit/Credit Card.