haiderullah2174/bankfaq huggingface dataset:
user
How long will it take for my Personal loan to be processed

assistant
Once you submit your application form and the required documents as per Bank's criteria, you can expect our approval and disbursal within 5 working days, provided everything is in order. All loan approvals are at the sole discretion of the bank.
user
Are there any transactions for which this Card should not be used

assistant
Yes, your ForexPlus Chip card should not be used towards temporary charge blocks - e.g. paying deposits at hotels, hiring of cars etc. Incase you have paid these deposits using ForexPlus Chip card and the hotel/car rental agency etc. settles the transaction for an amount lesser than the amount blocked or you make final payment through any different mode, the balance amount will get credited into your account only after 35 days from the transaction date. Note: the Bank reserves the right to charge the Card holder for any unauthorized amounts.
user
How do I activate e-commerce

assistant
Just log on to NetBanking and enable your e-commerce transaction facility.
user
Do I need any special equipment or software on my computer

assistant
No. All you need is an Internet connection and Internet Explorer 5.0 and above or Mozilla Firefox 1.5 and above or Netscape Navigator 8.1 and above. Find out if you browser is compatible by going to the Help menu on the upper right-hand side of your browser and select the About option. It will tell you what version is installed on your computer.
user
What are the call charges for offline customers of an HDFC Securities Trading Account

assistant
The Call ‘N Trade facility is free of charge. Customer can place orders over the phone multiple times.
user
Why should I buy the eGiftPlus Card

assistant
The Card comes with the following benefits: Instant issuance Instant activation Instant delivery Easy access to card details & balance Accepted at all major e-commerce sites Personalised card
user
What is NEFT

assistant
The National Electronic Funds Transfer (NEFT) system is a nation-wide funds transfer system to facilitate transfer of funds from any bank branch to any other bank branch.
user
Do I have option to avail loan under the policy

assistant
The policyholder can avail Loan under the policy provided the policy has acquired a surrender value and subject to terms and conditions as the Company may specify from time to time.
user
What is the frequency of interest payout for a Savings Account

assistant
Interest earned on your Savings Account balance shall be credited to your account on Quarterly basis.
user
I am not a technology Start-up. Can I still open SmartUp Current Account

assistant
Yes you can. This product caters to all start-ups with an innovative business idea.
user
Cab sum assured be extended

assistant
The Sum Insured cannot be increased.
user
Will I earn interest on the Reimbursement Account

assistant
The Reimbursement Account is value added benefit given to the salary account holder and hence is a non-interest bearing account.
user
I don't see my Personal Assurance Message on the Secure page . What should I do

assistant
Always look for your Personal Assurance Message before entering your Verified by Visa / MasterCard Securecode password. If your Personal Assurance Message does not appear on the secure page, do not enter your password. Please contact our Customer Care Center and update the same.
user
What is ASBA option while applying for an IPO

assistant
ASBA means Applications Supported by Blocked Amount. ASBA is an application containing an authorization to block the application money in the bank account, for subscribing to an issue.
user
Are the 8% Savings (Taxable) Bonds transferable

assistant
No, these bonds are not transferable.
user
What is the rate of interest for these bonds

assistant
The interest rate on these bonds is 6% per annum.
user
How do I enable International Usage on my HDFC Bank Rewards Debit Card

assistant
Please find below the steps to enable International Usage for you HDFC Bank Rewards Debit Card: Steps to Enable International Usage on Debit Card: Log on to NetBanking Click on Cards tab and go to Debit Cards menu Click on Request Select 'Set International / Domestic Usage' Select the option 'Card to be enabled for International and Domestic/ Use' Steps to Modify Daily International Usage on Debit Card Log on to NetBanking Click on Cards tab and go to Debit Cards menu Click on Request Select 'Modify International Limit' Set your daily international limit
user
How can I close my Online Mutual Fund Account as well as the Bank account linked with it

assistant
To close your Online Mutual Fund account as well as the linked Bank account, you will need to redeem or transfer all your Online Mutual Fund holdings to physical mode. Once this is done, the Online Mutual Funds Account can be closed. After closure of the Online Mutual Funds Account, the linked bank account can be closed. Please note that both the above options require a written request in the attached format. Please submit the form, duly filled at your account branch. Kindly visit the following URL to access information for the complete address and contact details of our Branches as well as our PhoneBanking numbers: PhoneBanking The above URL gives you access to the various contact points to get in touch with us through the Customer Center. View more
user
The gold rate in the newspaper is lower than HDFC Bank’s gold rate. Why are the gold bar sold by HDFC bank more expensive that those sold in the market

assistant
The price of Mudra Pure Gold Bars is line with the gold price of 99.99% pure bars in the International market. The price also includes the supplier’s premium, as the product is imported from Switzerland, and the Assay Certification Cost that certifies the purity of Gold as per International Standards. This price also includes customs duty, insurance, holding cost and VAT.
user
What is the time taken to realize outstation cheques

assistant
The indicative time taken for the realization of out-station 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 centers where we have branches: maximum period of 14 working days. Cheques drawn on non-branch locations where we have a tie-up with correspondent bank, 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 bank, 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 hereFor other queries, Contact Us
user
Can I access my account by telephone to conduct routine daily transactions

assistant
Yes you can. You can use PhoneBanking to perform the following operations: Access your account details Request account statements Make Fixed Deposit related queries Inquire about interest and FX rates Request a cash delivery or pick-up Order a new cheque book View more
user
How can I check the balance on my HDFC Bank ForexPlus Platinum Card

assistant
You can check the balance on ForexPlus Platinum card with the help of NetBanking facility. You will need to use the card number as user ID & IPIN issued to you as part of the card kit to login to NetBanking facility. Alternately, you can also contact our PhoneBanking services to check the balance on your ForexPlus card.
user
Reissuance of ATM/Debit Card PIN

assistant
For reissuance of your ATM / Debit PIN, please choose any of the following modes: A. Through NetBanking - Click on Debit card. Select Pin Regeneration Select the card number. Click on continue Select the Reason for Regeneration Check the mailing address and confirm. Click on ‘Terms and conditions’ and confirm B. Through Branch - Please download Application Form The Application Form should be duly filled and signed by all Account Holder/s Submit the duly filled Application Form at the nearest Branch On receipt of Form and successful verification, the new ATM/Debit Card PIN will be sent to your mailing address To verify your mailing address in our records, please log into NetBanking (Go to “My Contact Details) C. Through PhoneBanking - Validate your Telephone Identification Number (TIN) View more
user
What is the policy term of the plan

assistant
The policy term is of whole life.
user
What is Pledge

assistant
A right over the security is created in favour of HDFC Bank. Hence shares cannot be transferred or sold by the customer or shareholder.
user
How do I know if an ATM will accept my ForexPlus Platinum Card

assistant
ForexPlus Platinum cards are accepted at Visa ATMs. Please look out for the VISA/PLUS logo while searching for ATM.
user
What are the key features of this plan

assistant
- Protect your investment from market risks with an Assured Maturity Benefit of 101% of the Total Premiums paid - Pay premiums only once or for a limited period of 5 years - Get increasing Loyalty Additions from the end of the 6th policy year onwards to boost the Fund Value - Stay protected during the entire policy term with life insurance cover
user
What documents should I submit when I purchase the HDFC Bank ForexPlus Platinum card

assistant
HDFC Bank Savings / Current account holders need to just submit completed application form, copy of ticket or the Visa and form A2 (or any other documentation as mandated under prevalant FEMA guidelines) If you don't have HDFC Bank Savings / Current account, you need to submit completed application form, copyof ticket or the Visa and form A2 (or any other Forex documentation as mandated under prevalant FEMA guidelines) as well as a Photocopy of your valid Passport.
user
What documents do I need to submit after the loan amount is disbursed

assistant
You can keep the original car documents, registration certificate, insurance policy and tax papers with you; but you need to submit photocopies of these documents to the bank.
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
Can I surrender this policy

assistant
Yes you can surrender your policy. Once you surrender your policy, your risk cover will cease and surrender benefit will be paid out depending upon the year in which the policy is surrendered. Please refer to product brochure for more details.
user
When will I be able to view the unit holdings in my account from the time of purchase

assistant
The unit holdings will be reflected within T+2 days (T being the transaction day).
user
What will I be getting on maturity

assistant
At the end of the policy term, provided all due premiums have been paid, you will receive the aggregate of: Sum Assured on Maturity Accrued Guaranteed Additions Accrued Reversionary Bonuses Interim Bonus (if any) Terminal Bonus (if any)
user
Can a laptop be covered under a Home Insurance policy

assistant
Yes, it is covered only while it is in the insured residential premises.
user
How do I use Verified by Visa / MasterCard SecureCode when I shop online, once I’m registered

assistant
Once you have registered, you can use Verified by Visa/ MasterCard SecureCode service right away on participating merchant sites. For a full listing of these merchants, please visit your local Visa/ MasterCard website or www.visa-asia.com/verified/ or www.mastercard.com/securecode You will also find the Verified by Visa/ MasterCard SecureCode online shopping demo on these websites. View more
user
Is there an age limit to opt for a Revive Policy for Personal Accident

assistant
A Revive Policy is open to anyone between the age of 18 and 65 years.
user
What is the difference between burglary, theft and larceny

assistant
Burglary is when there is forceful entry in the premises in order to rob. Theft is when there is a robbery without any evidence of forceful entry in the premises. Larceny is when a known person on the premises has robbed or stolen the insured’s belongings.
user
What details are required when I want to perform a secure IVR transaction

assistant
To perform a secure IVR transaction, you will need your 16-digit Card number, Card expiry date, CVV number, mobile number and IVR password.
user
What transactions are included as a part of the free inter-city clearing limit

assistant
The following transactions comprise part of the free Inter-city clearing Limit: Cheques deposited into your account in other cities (in Local Clearing/within Bank) Inter-city payable-at-par cheque issuances View more
user
How does Regalia ForexPlus Card work

assistant
Your Regalia ForexPlus Card will be activated with the required currencies within 5 to 6 hours from the bank getting the clear funds from you. Once active, the card can be used at any international location for making payments at POS terminals or to withdraw cash at ATMs. (Usage of the card is not allowed in India, Nepal and Bhutan.) Regalia ForexPlus Card has a chip & a radio frequency antenna embedded. When the Contactless Card is tapped/ waved against the terminal enabled for contactless payments the card transmits payment details wirelessly, eliminating the need to insert it. Account details are communicated to the reader and then processed through the secure MasterCard acceptance network in the usual way Regalia ForexPlus Card works just like any Debit / Credit Card for making payments at Merchant Establishments that have an electronic terminal. The transaction amount is deducted from available balance on the Regalia ForexPlus Card. Regalia ForexPlus Card is accepted at all Merchant Establishments displaying the MasterCard symbol. The card can be used to withdraw cash at all MasterCard ATMs worldwide. Irrespective of the currency loaded on the card, the cash will be dispensed based on the currencies supported at the ATMs. Please note that you can select /change your ATM PIN with the help of Prepaid NetBanking facility for Regalia ForexPlus Cards.
user
Will the bank charge any additional fees if I choose the ASBA Payment Option

assistant
Currently this value added service is provided free of cost.
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 View more
user
When am I liable for TDS (Tax Deduction at Source)

assistant
You become liable for TDS (Tax Deduction at Source) if the aggregate interest that you’re likely to earn for all your deposits is greater than Rs. 10 000 in a financial year. TDS will be deducted when interest payable or reinvested on RD and FD per customer across all branches, exceed Rs.10000 in a financial year
user
Where do I get this card

assistant
ISIC ForexPlus 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 ISIC ForexPlus Card. The card will get activated within 4 hours from realization of funds. Also you can apply by visiting www.hdfcbank.com -> Apply Online section or www.hdfcbank.com/personal/products/cards/prepaid-cards -> ISIC Student ID ForexPlus Card -> Buy Forex Card
user
How do I register for IVR password

assistant
There is no registration process. However you will have to obtain a 3D Secure IVR password to perform a secure IVR transaction by sending an SMS prior to the transaction or through NetSafe/ Verified by Visa/ MasterCard SecureCode login account (as mentioned above).
user
What does DCC/ MCC stand for

assistant
DCC stands for Dynamic Currency Conversion whereas MCC stands for Multiple Currency Conversoin. 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
If the money is not credited to the beneficiary’s account while using the e-monies NEFT service, will I get it back

assistant
Your funds will be returned to your account if they are not credited.
user
What is meant by non-network hospitals

assistant
These hospitals do not form part of the company’s tie-up list. The bills are settled by the Insured and the relevant documents and bills are subsequently submitted to the TPA. The amount consequently, is reimbursed to the insured.
user
What are included in Bulk Transactions

assistant
Bulk transactions include: Local Clearing Transactions Anywhere Clearing Transactions Local Fund Transfer Transactions Anywhere Fund Transfer Transactions, View more
user
What is the amount of tax that can be saved

assistant
As per Section 80D, the premium paid for medical insurance is deductible from an individual’s income up to Rs. 15,000 per year. However, in case of a Senior Citizen (60 years and above) the applicable limit is Rs. 20,000 per year.If the medical insurance premium has been paid for one’s parents, an additional deduction of Rs. 15,000 can be claimed under section 80D every year. If one’s parents are Senior Citizens, an additional amount of Rs. 20,000 can be claimed. Thus, a policy holder can deduct up to Rs. 35,000 from his taxable income for medical insurance premiums paid.Premiums paid in cash will not qualify for tax benefit. Note: You cannot claim premiums paid for your in-laws or siblings (brothers and sisters). View more
user
Can I get a loan or partial withdrawal on this plan

assistant
You cannot avail any loan or make partial withdrawal from this plan.
user
What property is not covered under home insurance

assistant
The following properties are not covered: Properties under construction 'Kutcha' Constructions Residence-cum-office properties Residence-cum-shop Land View more
user
Can I make payments to my suppliers at HDFC Bank branches through a single cheque book

assistant
Yes. When you open an account, you will be issued an at-par cheque book, which is payable at all our branches.
user
How soon can I get an eGiftPlus Card

assistant
The beneficiary will get a real-time instant delivery of the HDFC Bank eGiftPlus Card
user
What are the transaction limits for Rewards Debit Card

assistant
The daily limits are Rs. 50,000 at the ATM and Rs. 2, 75,000 at merchant locations as well as online transactions. This is subject to the balance in your account, and is for your account security.
user
Can I take a loan under HDFC Life Uday in case I need money during any emergencies

assistant
Yes. You can take a policy loan under this policy provided that your policy has acquired a surrender value and subject to terms and conditions that the company may specify from time to time.
user
Can I register my non-Visa payment Cards with Verified by Visa and non- MasterCard payment Cards with MasterCard SecureCode

assistant
Currently, Verified by Visa is only offered to protect Visa Cards and MasterCard SecureCode to protect MasterCard Cards.
user
What is the maximum loan amount I can get for studies abroad

assistant
To study abroad, the maximum loan amount you can get is up to Rs. 20 lakhs.
user
What happens when the issue fails/is withdrawn

assistant
In case the issue fails/ is withdrawn, HDFC Bank shall unblock the application money from the Bank Accounts upon receiving instructions from the Registrar.
user
Is Health Insurance the same as Life Insurance

assistant
Life insurance covers the risk of untimely death. Health insurance covers the risk of incurring unplanned medical expenses due to unforeseen medical emergencies.
user
Is there any charge in the LAS Account if there are no limits

assistant
Yes, for accounts with no limits in a month a Zero Limit charge of Rs. 1000 plus taxes for that month is levied. For details of other charges levied in LAS accounts, Click here
user
What is the min-max age at entry/maturity

assistant
Eligibility Criteria Minimum Maximum Age at Entry Age (years) 14 65 Age at Maturity (years) NA 75 All ages mentioned above are age last birthday.
user
Do I have to make any repayment during the moratorium period (Education Loans For Foreign Education)

assistant
You have the option of servicing simple interest during moratorium period. Simple interest will be calculated on the loan amount disbursed payable monthly.
user
Can I get an overdraft facility on my fixed deposit funds

assistant
With our Super Saver Account, you can enjoy an overdraft facility of up to 90% of your Fixed Deposit funds without breaking the Fixed Deposit or losing interest on it. However, a minimum tenure of 6 months is required to open a Super Saver Fixed Deposit/ avail of the Super Saver facility on your existing deposit.
user
Can a pension account be opened jointly

assistant
Pension account can be opened jointly with spouse only.
user
What is an accident

assistant
Accident or Accidental means a sudden, unforeseen and involuntary event caused by external, visible & violent means
user
What is IDV (Insured’s Declared Value)

assistant
The Insured's Declared Value (IDV) of the vehicle will be deemed to be the 'SUM INSURED' and it will be fixed at the commencement of each policy period for each insured vehicle. The IDV of the vehicle is to be fixed on the basis of the manufacturer’s listed selling price of the brand and model as the vehicle proposed for insurance at the commencement of insurance/renewal, and adjusted for depreciation (as per the schedule specified below). The IDV of the side car and/or accessories, if any, filled to the vehicle but not included in the manufacturer’s listed selling price of the vehicle is also likewise to be fixed. Age of the vehicles % depreciation to fix IDV Not exceeding 6 months 5% Exceeding 6 months but not exceeding 1 year 15% Exceeding 1 year but not exceeding 2 years 20% Exceeding 2 years but not exceeding 3 years 30% Exceeding 3 years but not exceeding 4 years 40% Exceeding 4 years but not exceeding 5 years 50%
user
Can the policyholder get cashless services in case of hospitalization in a non-network hospital

assistant
No, the policyholder will not get any cashless service in a non-network hospital.
user
How is HDFC Bank Premium CA different from a regular CA offered by most banks

assistant
An HDFC Bank Premium Current Account offers you a host of features that sets it apart from any regular Current Accounts that most banks offer.These features are: Free Intercity Clearing between HDFC Bank Branch Locations Up to 100 free payable-at-par cheque leaves per month View more
user
What security do I need to provide to obtain Professionals loan

assistant
To obtain the loan, there is absolutely no need to provide any security or collateral.
user
What documents should I submit when I purchase an HDFC Bank eGiftPlus Card

assistant
There no need for any documents to be submitted.
user
Does the threshold/deductible limit consist of single claim or multiple claims

assistant
Threshold/ deductable limit is an aggregate deductible which the customer has to pay either from his pocket or through other Mediclaim, beyond aggregate deductible (crossed in single claim or in multiple claims in a policy year) full claim amount will be paid by HDFC Ergo General Insurance. Example-1: Single Claim in a policy year Deductible Sum Insured in HDFC Ergo General Insurance Insured Super Top up Policy Claim amt assessed Deductible Exhaustion Balance Deductible Claim amt payable by other policy / saving Claim amt payable by HDFC Ergo General Insurance Insured Super Top up Policy At inception 200,000 800,000 0 0 200,000 0 0 Claim 1 200,000 800,000 10,000,00 2,00,000 0 2,00,000 8,00,000 Example-2: Multiple Claims in a policy year Deductible Sum Insured in HDFC Ergo General Insurance Insured Super Top up Policy Claim amt assessed Deductible Exhaustion Balance Deductible Claim amt payable by other policy / saving Claim amt payable by HDFC Ergo General Insurance Insured Super Top up Policy At inception 200,000 800,000 0 0 200,000 0 0 Claim 1 200,000 800,000 150,000 150,000 50,000 150,000 0 Claim 2 200,000 800,000 300,000 50,000 0 50,000 250,000 Claim 3 200,000 800,000 550,000 0 0 0 550,000 View more
user
Will you buy back Gold Bars purchased from your bank / branch

assistant
Currently, the Bank is prohibited by regulatory guidelines from buying back gold that has been sold to customers.
user
How is RTGS different from National Electronic Funds Transfer (NEFT)

assistant
NEFT is an electronic fund transfer system that operates on a deferred net settlement (DNS) basis, which settles transactions in batches. In DNS, the settlement takes place at a definite time and all transactions are held up till that instant. Any transaction initiated after a designated settlement time will have to wait till the next designated settlement time. RTGS is different because transactions are processed continuously. View more
user
Are there extra charges for Gold Debit Card

assistant
You can be sure that there are no transaction charges when using your card at a merchant location. There are also no petrol surcharges, or fees for using an HDFC Bank ATM. Just remember to check for usage charge information if you access other bank ATMs.
user
What does 3D stand for in HDFC Life Click 2 Protect 3D Plus

assistant
3D stands for Death, Disease & Disability. HDFC Life Click 2 Protect 3D Plus is a comprehensive term plan that provides protection against these 3D's.
user
What are the different Sum Insured options available underthis product

assistant
There are 10 different Sum Insured options to select from, starting as low as Rs.25,000. The different options available are as follows: OPTION SUM ASSURED 1 Rs 25,000 2 Rs 50,000 3 Rs 75,000 4 Rs 1,00,000 5 Rs 1,50,000 6 Rs 2,00,000 7 Rs 2,50,000 8 Rs 3,00,000 9 Rs 4,00,000 10 Rs 5,00,000
user
Chemo & dialysis does not required local or general anesthesia will it be cover under day care

assistant
Yes, since chemo & dialysis are recurring procedures and does not require local or general anesthesia, in this context all such procedures will be covered & paid under day care procedures.
user
Do I need to pay any charges for availing GCAS

assistant
In case you avail of GCAS services, charges as per Visa Guidelines will be charged to you. Details of charges are as follows: Reporting Lost/ Stolen Card : Nil Emergency Replacement of Card : USD 25 Emergency Cash Requirement : USD 25 View more
user
What is the exclusion in the plan

assistant
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 an amount which is higher of 80% of the premiums paid till the date of death or the surrender value as available on the date of death. For exclusions related to accidental death benefit, please refer the sales brochure or contact your Relationship manager.
user
Can I reinstate the policy if it is lapsed

assistant
If your policy is lapsed, you may request HDFC Life in writing to revive your policy within 2 consecutive years from the date of first unpaid premium. The following conditions will apply in case of revival of the policy: All pending premium should be immediately paid along with any interest that is advised by HDFC Life. The current interest rate used for revival is 10.5% p.a. Any agreement to revive or reinstate would be subject to satisfactory evidence of good health Reinstatement request will attract the following : If the policy is revived within 60 days, only the remaining part of all time bound exclusions and waiting periods will apply If the policy is revived after 60 days, all time bound exclusions and waiting periods will be applied afresh
user
Can I have a Super Saver Facility and a Sweep-in Facility on the same Savings Account

assistant
You can have both these facilities on the same Savings Account.
user
What is the general documentation requirement to open an Institutional Savings Account

assistant
The following documents are required: Account opening form for non-individuals to be completed and signed by all authorized signatories Registration proof with any state regulatory authorities Certificate of Registration with the Local Charities Commissioner (for charitable trusts) Income Tax registration u/s 12A for entities as specified in RBI circular Certified Copy of the Trust Deed / Bye-laws / MOA/ Constitution Proof of address of the Trust Certified Copy of the Resolution from Board of Trustees / governing body defining who is going to be the authorized signatory in the account / authorizing the opening and conduct of the account Proof of appointment of present Trustees/ governing body members in case they are not listed in the Trust Deed / bye-laws / constitutional document PAN Card / Form 60 as may be applicable FCRA declaration for receipt / non-receipt of foreign contribution into the account Beneficial Ownership declaration (only for Trusts) Proof of identity and photographs of all trustees authorised to operate the account View more
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
I am not registered for times points program; can I apply for Times Point Debit card

assistant
Yes, you can apply for times points debit card. Basis your e-mail ID and mobile number provided to HDFC Bank, you’ll be registered for Times Point. An e-mailer will be sent to you with your registration details.
user
How does this card work

assistant
Your HDFC Bank Multicurrency Platinum ForexPlus Chip card will be activated with the required currencies within 5 to 6 hours from the bank getting the clear funds from you. Once active, the card can be used at any international location for making payments at POS terminals or to withdraw cash at ATMs. (Usage of the card is not allowed in India, Nepal and Bhutan.) HDFC Bank Multicurrency Platinum ForexPlus Chip card works just like any Debit / Credit Card for making payments at Merchant Establishments that have an electronic terminal. The transaction amount is deducted from available balance on the Multicurrency card. HDFC Bank Multicurrency Platinum ForexPlus Chip card is accepted at all Merchant Establishments displaying the VISA/MasterCard symbol. The card can be used to withdraw cash at all VISA/MasterCard ATMs worldwide. Irrespective of the currency loaded on the card, the cash will be dispensed based on the currencies supported at the ATMs. Please note that you can select /change your ATM PIN with the help of Prepaid NetBanking facility for Multicurrency Cards.
user
How can I update my E-mail ID in my Online Mutual Fund Account

assistant
If your E-mail ID is not updated in your Online Mutual Fund account, we request you get in touch with the nearest branch to enable us to register you for E-mail Statements of your Mutual Funds. On receipt of the form, your e-mail ID will be updated with the respective AMC within 15 working days. You will receive the holding statements on your e-mail and mailing address simultaneously after registration.
user
Are there any additional charges for loan repayment

assistant
The additional charges (if any) are applicable in case you default or in case of SWAP (i.e. change the repayment mode). The charges are updated and can be viewed in the Fees & Charges section in the Bank’s website of each loan product.
user
How many bank and depository accounts can I link to a trading account

assistant
You can link up to five HDFC Bank Saving Bank accounts and five HDFC Bank Demat accounts to your trading account.
user
What should I do and whom to contact if my card is lost

assistant
In case your card gets lost or stolen, all you have to do is call HDFC Bank Phone Banking 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
user
Can a foreign national be covered under a Travel Policy

assistant
A foreign national working in India, with an Indian employer of a multinational company, earning in INR can be covered subject to the verification of a Ration Card and IT verification.
user
What is the minimum balance required for an Apex Current account

assistant
You need to maintain an Average Quarterly Balance (AQB) of Rs. 10,00,000 in your Apex Current account.
user
Where do I redeem Times Points

assistant
Please login to www.timespoint.com using your registered email id and follow the simple steps: Click on the redeem tab and view the offers Select an offer and click on Redeem Enter delivery location with pin code verification Mention contact details and click on “Continue” Review and confirm your order. On successful redemption you will receive a confirmation on your registered email id. You can manage your Times Points thru an Times Points App available on iOS& Android Platform Please check for the confirmation email In case of query regarding registration to Times Points account, earning and redemption of Times Point please write to [email protected]
user
With Merchant Plus Current Account can I make payments to my suppliers at HDFC Bank Branches through Single Cheque Book

assistant
Yes. When you open an account, you will be issued an at-par cheque book, which is payable at HDFC Bank branches.
user
How do I redeem Mutual Fund units over the Net

assistant
Only Mutual Funds that are bought (purchased) through the Investment Services Account can be redeemed through this service. On NetBanking: To redeem Mutual Fund you have to login to the website with your Customer ID and IPIN and go to the Mutual Funds Tab. Click on the redemption link and then select the Investment Services Account No. from the drop down and the Mutual Fund that you want to redeem. Select the Scheme name and the Amount or number of units you want to redeem in the next screen keeping in mind the minimum transaction amount. You can choose to redeem all or part of your units by specifying the number of units and amount. The transaction will be processed and the redemption proceeds will be directly credited into your bank account. View more
user
What is the co pay that will need to be borne by the Life Insured in case of hospitalization in non network hospitals

assistant
The Life Insured has to bear a co-pay of 20% of the total hospital bill if they get hospitalized in any non-network hospital.
user
What are the currencies available for HDFC Bank ForexPlus Platinum card

assistant
The HDFC Bank ForexPlus Platinum card is currently available in 5 currencies, i.e. USD, Euro, GBP, HKD and THB.
user
What happens if my card is lost

assistant
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. In case if you have been issued a back-up card in the kit, you can activate the back-up card by calling HDFC Bank Phone Banking or through Prepaid NetBanking. Once the back-up card is activated, all the funds from primary card will be transferred automatically to the back up card.
user
What are the charges I need to pay to foreclose my Loans Against Rental Receivable

assistant
In case you wish to foreclose your Loan Against Property, the foreclosure charges are applicable on the outstanding principal or Outstanding Limit as the case may be.(Pre-payment is allowed only after 6 months from the date of loan disbursement).
user
During the policy period, if I add accessories like a music system in my vehicle, are they also covered

assistant
Yes, they will be, as long as you make a written request to us with a description of the accessory along with its value. You may also have to pay an additional premium.
user
Do I need a guarantor for Loan against Car

assistant
No. The car itself acts as a security.
user
Do I need a guarantor

assistant
No, but in case if you don't meet the Bank's norms then you may be required to have a guarantor surety. A guarantor becomes a co-endorser and assumes liability in event of default. To stand surety for your loan.
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 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
How do I register my HDFC Bank Card

assistant
You can register your HDFC Bank Card through the HDFC Bank Website or through any participating online shopping site when prompted for registration.
user
What services can I avail on GCAS

assistant
You can avail following services through GCAS Emergency Card Replacement Emergency Cash Disbursement Cardholder Inquiry Service Lost and Stolen Card Reporting Note: Visa Charges are applicable
user
Does this policy have hospital cash benefit

assistant
Yes, depending on the plan selected hospital cash provides a benefit up to Rs. 500 everyday upto a maximum of 45 days in case of hospitalization due to an accident.
user
Is there moratorium/repayment holiday available (Education Loans For Foreign Education)

assistant
Yes. A moratorium/repayment holiday is available for select courses.
user
What should I do in the case of a void transaction for International Business Debit Card

assistant
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.
user
How much of Times points will I earn for each activity on TIL

assistant
The number of points to be earned for each activity is dynamic and it ranges from 1-5. The points to be earned will be visible to you while you are logged in to your account.
user
Who do I contact in the case of hospitalization

assistant
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.
user
What is the exclusion in the plan

assistant
In case of death due to suicide within 12 months from the date of inception of the policy or from the date of the revival of the policy, the nominee or beneficiary of the policyholder shall be entitled to the fund value, as available on the date of death. Any charges recovered subsequent to the date of death shall be paid back to the nominee or beneficiary along with the death benefit.
user
Can I register for Verified by Visa/MasterCard SecureCode with my existing HDFC Bank Card or do I need to apply for a new one

assistant
Yes, you can register with any of your HDFC Bank Cards to be protected by Verified by Visa/ MasterCard SecureCode. You don’t need to apply for a new HDFC Bank Card.
user
What should I do in case I am unable to access my Institutional Current Account through Net Banking

assistant
If you are unable to access you Institutional account, it may be because you have entered an incorrect Customer Identification Number (Cust ID) to log into your NetBanking Account. While opening Accounts of Institutes, separate Customer IDs are created in the name of the Institute, as well as each Authorised Signatory(ies). The latter is distinct and has to be used to access NetBanking for the Institutes Account. However, since we do not disclose the Institutes Customer ID on an unsecure e-mail, the Institute will have to contact their nearest Branch or PhoneBanking Center for this. For more details, Contact Us
user
What is the validity of the IVR Password  using Verified by Visa/Mastercard Secure Code

assistant
The IVR Password is valid for 2 hours. If you do not use it within 2 hours of generation of IVR Password , it will expire. You will have to attempt registration again and use the new IVR Password . On expiry of IVR Password generated through the earlier request, you can attempt registration again to generate another IVR Password .
user
What documents are required to change the address of an entity

assistant
Following documents are required to change the address of an entity:Request letter for address change signed by the Proprietor/Partner/Authorised Signatory (in case of a company)Along with following list of documents: 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. the 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 an indicative list. Please visit your nearest branch for details View more
user
What is the HDFC Bank Giftplus card

assistant
HDFC Bank's GiftPlus card is a magnetic strip based prepaid card brought to you in partnership with VISA
user
What form is Gold being sold

assistant
Mudra - Pure Gold will be sold in the form of rectangular bars.
user
Do I have option to avail loan under the policy

assistant
Policy loans are not allowed.
user
Do I need to have HDFC Bank account to purchase the Regalia ForexPlus Card

assistant
No, you don't need to have an account with HDFC Bank to purchase Regalia ForexPlus Card. You can just walk into any of our HDFC bank branches in India and purchase it over the counter.
user
What is the validity period of my Card

assistant
Your Card is valid for 5 years.
user
What is RTGS Funds Transfer

assistant
'RTGS' stands for 'Real Time Gross Settlement'. The RTGS system is a funds transfer mechanism where transfer of money takes place from one bank to another on a 'real time' and on a 'gross' basis. This is the fastest possible money transfer system through banking channels. 'Real time' means no waiting period; transactions are settled as soon as they are processed. 'Gross settlement' means the transaction is finalized on its own, without it being bunched with any other transaction. View more
user
In which other ways can I get in touch with the bank for details on Two Wheeler Loans

assistant
You can Call us or Visit our branch. Alternatively, for more details on our Two Wheeler Loans, SMS TW to 5676712 or write to
user
Is there any tax exemption under the Health Suraksha policy

assistant
Yes, you can avail up to Rs. 15,000 as tax benefit under 'Section 80D'. In case you are a senior citizen, you can avail up to Rs. 20,000 as tax benefit under 'Section 80D'. Subject to changes in Tax laws
user
Can I sell/redeem schemes bought offline through online

assistant
No, only those schemes bought through the online mode can be sold /redeemed through this service.
user
Do I have the option of pre-paying the entire loan amount

assistant
Yes. One can pre-pay the loan any time after 6 months of availing of the loan. One merely has to pay a small prepayment fee on the outstanding loan amount.
user
After the  First purchase, can I invest in the same AMC again on the same day

assistant
After your first purchase you will not be permitted to transact for a period of 3 to 4 working days, depending on the processing time of the Mutual Funds' Registrar. After you place an investment order in any Mutual Fund for the first time a Folio Number needs to be generated for that particular fund. Until the Folio number is generated you will not be allowed to place any further orders for that particular Mutual Fund. After the Folio Number is generated you can place any number of orders in any schemes of the Mutual Fund.
user
What would be the annuity rates at the time of maturity

assistant
Annuity rates are a function of prevailing market conditions at the time the annuity is bought. Other factors that determine annuity rate are - gender, age, annuity option chosen & premium band. Hence, it would not be possible to commit on the annuity rate at this point.
user
What is the maximum loan I can get against my Property

assistant
You can get a Loan Against Property up to a maximum of 60%* of the market value of your property. * conditions apply
user
Which bonds are eligible under the Section 54 EC

assistant
The eligible bonds under Section 54 EC are RECL (Rural Electrification Corporation Ltd) and NHAI (National Highways Authority of India).
user
If the claim amount is 6 lakhs, how much will be paid by HDFC Ergo General Insurance

assistant
Whatever is over and above the threshold limit will be paid.