haiderullah2174/bankfaq huggingface dataset:
user
What happens to the home insurance policy if the insured house is sold

assistant
From the time the transfer of ownership becomes effective, the policy stands cancelled and the insured ceases to be an insured under the policy. We will then refund the premium for the balance of the insured period.
user
What happens if Premiums are not paid

assistant
This plan has a grace period of 30 days. You are expected to pay your annual premium through-out the policy term. Discontinuance before completion of 5 years from commencement of the policy: If you have not paid your premium by the expiry of the grace period, then you will have the following options: To revive the policy within a period of 2 years from the date of discontinuance, or To completely withdraw from the policy without any risk cover Your policy will be discontinued if: You do not exercise any of the above mentioned options; or You choose to completely withdraw from the policy without any risk cover Until the discontinuance of the policy, the risk cover will remain in-force and policy charges will continue to be deducted. Once the policy is discontinued, the risk cover will cease and the fund value (as on date of discontinuance) less the applicable Discontinuance Charge (Please see the Charges section for details of the Discontinuance Charges) will be moved to the 'Discontinued Policy Fund'. The minimum guaranteed interest rate applicable to the 'Discontinued Policy Fund' shall be 4% p.a. Such rate may be changed in the future if the IRDA revises the minimum rate for discontinued policies. The Discontinued Policy Fund (SFIN: ULIF05110/03/11DiscontdPF101) shall be a unit fund which will invest 100% of assets in Government Securities and/or Money Market Instruments. Any excess income earned in the discontinued fund over and above the minimum guaranteed interest rate shall also be apportioned to the 'Discontinued Policy Fund'. A Fund Management Charge of 0.50% p.a. will be levied for amounts in the 'Discontinued Policy Fund' If a discontinued policy is not revived, the proceeds will be paid out upon the completion of the lock-in period of five years. In the instances where the revival period is not completed at the end of the lock-in period, the policyholder can opt to receive the proceeds either upon the completion of the lock-in period or upon the completion of revival period. If, in such cases, the policyholder does not exercise any option, then the proceeds will be paid upon the completion of the lock-in period. After the payment of the discontinuance benefit, the policy shall terminate and no further benefits shall be payable under the policy. View more
user
Is there an age limit for opting Individual Personal Accident Plan 2 policy

assistant
It is open to everyone from the age of 18 years to 65 years.
user
How will the OTP be sent to the customers

assistant
OTP will be sent only via SMS to the customers' registered mobile number.
user
How many Critical Illnesses are covered under 3D Life & 3D Life Long Protection options and what is the benefit associated with them

assistant
These plan options provide Waiver of Premium benefit if the Life Assured is diagnosed with any of the 34 covered Critical Illness.
user
How is the premium for Motor Insurance calculated

assistant
The premium is calculated based on the Make and Model of your vehicle, its age, place of registration, fuel type and Insured Declared Value (IDV). The premium is also subject to certain deductions based on the insured’s age and occupation and the No Claim Bonus earned by the insured during the policy period. You will need to submit documents or particulars to avail of these discounts. In case you want extended coverage – for Personal Accident, Electrical/Non-Electrical Accessories, etc. you may have to pay an additional premium of the same.
user
Where can I use my EasyShop Woman’s Advantage Debit Card

assistant
Your card will be valid the world over – just look for the VISA sign.
user
What do I need to know about the HDFC Bank ForexPlus Platinum Card

assistant
Embedded with a chip, this ForexPlus card offers you a convenient and secure way to carry your Forex. With the HDFC Bank ForexPlus Platinum card you can shop anywhere in the world.
user
I have an existing bank account with other Bank. Can I still open SmartUp Current Account

assistant
Yes, provided startup is meeting the criteria of date of incorporation / registration of business should not be more than five years from date of account opening.
user
Is there any Surrender benefit for this plan

assistant
No, there is no surrender value available under this plan.
user
Can I set my Personal Assurance Message to be the same as my VBV / MSC Password

assistant
Your Personal Assurance Message and your VBV / MSC Password must not be the same, to ensure your security.
user
Would I have to go for any medicals

assistant
No, there would not be medical tests involved in this plan.
user
Can I pre-pay the entire loan amount

assistant
Yes, you will have to pay a pre-payment fee of 4% if you pay your entire loan before 12 months from the date of disbursement. You will have to pay a pre-payment fee of 2 % if you pay your loan after 12 months from the date of disbursement.
user
What is the maturity benefit that I receive if I invest in this plan

assistant
On survival till the end of the policy term, you will receive a lump sum amount which will be the aggregate of : Sum Assured on Maturity Accrued Guaranteed Additions Accrued Reversionary Bonus Interim Bonus (if any) Terminal Bonus (if any)
user
Is there a load amount limit

assistant
Card balances cannot exceed Rs. 10,000 at any given point in time and cumulative monthly load and reload is limited to Rs. 10,000.
user
What are the cut-off timings for the Investment Services Account

assistant
Cut-off time for same day NAV is 1400 hours i.e. 2.00 p.m. (Indian Standard Time). All instructions received on transaction day before the cut-off time will be eligible for same day's NAV (except Saturdays, Sundays and Holidays). For transactions received post cut-off time, NAV applicable will be as on next working day. In case of Liquid Scheme, NAV is being computed as mentioned below: Cut-off time for Historic NAV is 1230 hours i.e. 12.30 p.m. (Indian Standard Time). All instructions received on transaction day before the cut-off time will be eligible for Historic NAV (except Saturdays, Sundays and Holidays). Cut-off time for same day NAV is 1400 hours i.e. 2.00 p.m. (Indian Standard Time). All instructions received on transaction day after 12.30pm and before the cut-off time ie 2.00pm will be eligible for same day's NAV (except Friday ,Saturdays, Sundays and Holidays). In case of Liquid Scheme transactions done after 1400 hours i.e. 2.00 p.m. (Indian Standard Time) cut-off on Thursday but prior to 1230 hours i.e. 12.30 p.m. (Indian Standard Time) cut-off of time of Friday, the NAV for Thursday would be applicable . In case of Liquid Scheme transactions done after 1230 hours i.e. 12.30 p.m. (Indian Standard Time) on friday but prior to 1400 hours i.e. 2.00 p.m. (Indian Standard Time) cut-off of time of Friday, the NAV for Sunday would be applicable as per AMC rules for NAV applicability (NAV for next business day - 1 day will be applicable). In case of Liquid Scheme transactions done after 1400 hours i.e. 2.00 p.m. (Indian Standard Time) cut-off on Friday or transactions done on any holiday, Saturday or Sunday, the applicable NAV will be of the next declared NAV from AMC end. In case of Liquid Scheme transactions done after 1230 hours i.e. 12.30 p.m. (Indian Standard Time) on a day prior to a non working day, the applicable NAV will be of the holiday. (In case of consequent holidays the last holiday NAV is taken as the Holiday NAV). We agree and acknowledge that any instruction given or purported to be given by me/us before the cut off time as may be intimated by HDFC Bank to me/us from time to time, will be processed on the same day. Any instructions received after the prescribed cut off time will be processed on the next working day. We acknowledge that any transaction request falling due on a holiday will be processed on the next business day and the respective NAV will be applicable as per the Mutual Fund's offer document. View more
user
What is the initial deposit amount required to open a Max Current account

assistant
You need an initial deposit of Rs. 5,00,000 to open a Max Current account.
user
If I hotlist my card, will I get deregister from the Times points program

assistant
No, your Times Points account will remain active and you can keep using www.timespoint.com as earlier.
user
How will the online store know that I have Verified by Visa/ MasterCard SecureCode

assistant
The participating online stores will automatically recognize your Visa card number if you have registered it for Verified by Visa and a pop-up will be shown asking for your Verified by Visa password.
user
Can I use the card to pay in any currency

assistant
Yes, the card is accepted for payment in any currency apart from those loaded on the card. No cross currency conversion charges will be applicable while processing such transactions. - Exchange rate used will be the MasterCard wholesale exchange rate prevailing at the time of the transaction. - Exchange rate used will be the Midrate prevailing at the time of the transaction.
user
How can I change the default Bank Account that is linked to my HDFC Bank Online Mutual Funds Account

assistant
We understand that you wish to change the Bank Account linked to your Online Mutual Funds Account (Applicable where you want to continue with the Online Mutual Funds Account but want to close only the linked Bank Account) For this, you must provide an alternate Bank Account number under the same Customer ID (First Holder) with which you are registered for online Mutual Funds. Once the change of the Bank Account is effected, the Online Mutual Fund Account will be de-linked from the old bank account and it will be closed. Please note that both the options require a written request in the attached format. Please submit the form duly filled at your account branch.
user
What security do I need to provide to obtain a Business loan

assistant
To obtain the loan, there is absolutely no need to provide any security or collateral.
user
Can I issue Cheque for loading of ForexPlus Platinum Card

assistant
Customer can load ForexPlus Platinum card by issuance of cheque against the amount to be loaded. However, cards will be loaded post realisation of the cheque deposited by the customer. The exchange rate applicable will be for the day on which funds are realized and card is activated
user
Is it necessary to open Apex Current Account in each location where my company has an office

assistant
No. With a Apex Current Account, you enjoy the advantage of a single account with multi-location banking.
user
What is the premium frequency available under policy

assistant
Only annual mode is allowed under the plan.
user
What if certain RD installments are not paid

assistant
If six consecutive installments are unpaid, the Bank reserves the right to close the RD account. The interest rate applicable on such closed accounts will be as per the premature withdrawal policy of the Bank.
user
Are all IVR based calls free

assistant
Yes, all IVR based PhoneBanking services are available free of cost. However agent assisted calls will be charged.
user
How can I request for Physical Statement/s

assistant
Statements for the period of 2 years can be downloaded through NetBanking. We request you to follow the steps mentioned below to request for a statement of your Account. Step 1) Log in to Net Banking Steps 2) On the left hand pane under ‘Request’ option select ‘Account Statement’ Step 3) Select the Account number and Period for which the statement is required Step 4) Click on ‘Continue’ and ‘Confirm’ The account statement will be delivered to your address within 4 working day Alternatively you may request for a statement of your account through HDFC Bank PhoneBanking HDFC Bank ATM Any HDFC Bank Branch Charges applicable per duplicate Statement if requested through Branch Rs.100 Phone banking (Non-IVR) & ATM Rs.50 Net banking, Phone banking (IVR), & Mobile banking Rs.30 Email Nil As per the Finance Bill 2009, all fees and charges mentioned above will attract Service Tax @ 10% and Education Cess @ 3% of the service tax amount effective 24th February 2009. If you wish to know more about Account Statements or want to know its status if requested, please call up PhoneBanking or write to us with full details viz. date of request, mode of request and period of request. View more
user
How do I claim Personal Accident Death Cover for Gold Debit Card

assistant
Nominees and legal heirs should visit their nearest HDFC Bank branch. We will help with the documents required, and, when these are complete, we will liaise with the relevant insurance company to resolve the claim. This is a special service for our EasyShop Gold Debit Card holders. Remember to provide us with all documents within one month of death.
user
Will a policyholder's premium increase in the next year if he makes a claim in the current year

assistant
No, the premium will not increase as premiums are guaranteed or fixed for a period of three years from the date of inception of the policy.
user
From where can I get today’s price of Mudra Pure Gold Bars

assistant
The card rates for HDFC Bank Mudra Pure Gold Bars are available on the HDFC Bank website home page in the ‘today’s rates’ section. Please note that these prices are subject to change as per the market price. Hence please confirm the price and the branch name before making a purchase.
user
Can the value of the card be topped up

assistant
Yes, your ForexPlus Platinum Card can be reloaded multiple times in future till the card gets expired: You can authorize the Bank to debit your HDFC Bank account by giving an HDFC Bank cheque or make payment using a local cheque drawn on HDFC Bank and reload the card for desired value. Reload requests can be made by any authorized person on your behalf. The person authorised by you for the same will need to come to bank branch and will need to provide the necessary documents to the bank to carry out reload. On receipt of the application form and the funds, your card will get reloaded for the desired amount. HDFC Bank customers can also place a request to reload the card through HDFC Bank PhoneBanking services. Incase the Card is issued by your corporate/employer, reload requests received through them will be acted upon by HDFC Bank.
user
Can I take a loan on these bonds

assistant
No, you cannot take a loan on these bonds.
user
How will HDFC decide my home loan eligibility

assistant
HDFC assess the customer's repayment capacity based on income, age, qualifications, number of dependants, spouse's income, assets, liabilities, stability and continuity of occupation, and savings history.
user
Who can open a Securities Trading account with HDFC securities

assistant
Any Indian resident/Non-resident individual (not US-based) or Indian corporate can register with HDFC Securities Ltd. to trade in securities. Currently, overseas corporate bodies (OCBs) cannot open an account with HDFC Securities. To become a registered user of HDFC Securities, you will have to first open a Savings/Current account and Demat account with HDFC Bank.
user
What is the maximum value for which the Card can be used

assistant
There is no limit imposed on the usage of ForexPlus Chip Card. Customer's can withdraw/utilise any amount, upto the value loaded on ForexPlus Chip card at any ATM/POS. However, there are some ATMs service providers which have put in per day / per transaction limit towards cash dispense which cannot be changed by the Bank. In such cases the cardholder might need to do multiple transactions if he wants to withdraw any amount higher than that allowed in one transaction.
user
Is travel insurance mandatory

assistant
Travel Insurance is not mandatory in India. However, it is mandatory in the UK and others countries including Austria, Greece, Portugal, Spain, France, Germany, Belgium, Luxembourg and the Netherlands. However, for a safe and peaceful trip, we recommend that you have a travel insurance policy no matter which country you are travelling to.
user
What is the new policy with regards to PAN to book fixed deposit with our bank

assistant
Where the total value of Fixed deposit per customer id <= 50,000( including the new FD being booked ) No pan , & no form 60 Where the total value of fixed deposit per customer id > 50,000( including the new FD being booked) PAN required mandatorily
user
What transactions are included as a part of the Free Anywhere Transactions limit for a month

assistant
The following transactions comprise part of the Free Anywhere Transaction limit: Cheque deposited into the account in other cities (in local clearing) Inter-city Payable-at-Par cheque issuance.
user
How do I top-up the value of my card when I am abroad

assistant
ForexPlus card can also be loaded on your behalf by someone authorized by you. Authorised person has to visit HDFC Bank branch with the necessary documents and funds. We’ll take care of the rest.
user
Can transactions be done at any HDFC Bank branches

assistant
Yes. You can transact at any HDFC Bank across the country. Charges as mentioned in the Fees and charges section will apply.
user
Are there any transaction limits for Imperia Platinum Chip Debit Card

assistant
Depending on the balance in your account, it is possible to withdraw up to Rs. 1 lakh at the ATM daily, and spend Rs 2.75 lakhs daily. These limits have been set for your card security.
user
What are the different weights Mudra Pure Gold Bars are available in

assistant
Mudra Pure Gold bars are available in 5g, 8g, 10g, 20g 50g and 100g denominations.
user
Will I be able to Transfer money to Food plus card from my account or from any other account

assistant
Food Plus card is a corporate card, any instruction with regards to load / reload and BT in the card can be done only on the basis of Corporate Instructions to the Bank. Individual Cardholder requests cannot be Processed.
user
What are the benefits of a health card

assistant
A health card mentions the contact details and contact numbers of the TPA. In case of a medical emergency, you can call these numbers for queries, clarifications or to seek any kind of assistance. Moreover, you need to display your health card at the time of admission into the hospital.
user
Can I use the Card to pay in any currency

assistant
Yes the Card can be used to pay in any currency apart from those loaded in the Card. The Card itself converts the balance in the currency wallets to the currency of transaction. Currency conversion charges will be applicable.
user
How can I make a request to foreclose my Loan Against Property account

assistant
Kindly submit a written request to your nearest Retail Loan Service Centre to close your account. Our customer service desk will provide you with the necessary assistance.
user
What are the premium paying frequencies that are available under this policy

assistant
The premium payment frequencies under this plan are Annual, Half yearly, Quarterly and Monthly.
user
Is it necessary to open Ultima Current Account in each location where my company has an office

assistant
No. With an Ultima Current Account, you enjoy the advantage of a single account with multi-location banking.
user
Why should I buy HDFC Life Assured Pension Plan

assistant
One of the biggest challenges of planning for your retirement is to ensure that you have saved enough money during your working years that will take care of your expenses once you retire. Given the rising cost of living, increased life expectancy and inflation, it is always wise to invest in a Pension Plan. HDFC Life Assured Pension Plan can help you achieve your retirement goals by planning for it well in advance.
user
What documents should I submit when I purchase the Regalia ForexPlus Card

assistant
HDFC Bank Savings / Current account holders need to just submit completed application form and copy of self-attested valid Passport (or any other documentation as mandated under prevalent LRS guidelines). If you don't have HDFC Bank Savings / Current account, you need to submit completed application form, copy of self-attested valid Passport and copy of self-attested Ticket or Visa (or any other documentation as mandated under prevalent LRS guidelines).
user
Can I pay for the rent of a locker through my account

assistant
Yes, you can set a Standing Instruction in your Account to pay your annual locker rent.
user
Can I opt for this plan if I have a pre existing Cancer

assistant
No, you are not eligible for the plan if you have pre existing Cancer.
user
What is HDFC Life Capital Shield

assistant
HDFC Life Capital Shield is a non-par Unit Linked Plan. It is an investment-cum-insurance plan that offers the potential of better returns, by investing a part of your money in equity and the balance in debt, while also providing you with life cover. The allocation of your money to debt fund shall systematically increase over time to protect your capital.
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
user
How do I become eligible for an HDFC Bank Institutional Current Account

assistant
To become eligible for an HDFC Bank Institutional Current Account you belong to one of the eligibility criteria mentioned above.
user
Can I use the DCC/ MCC option at the time of transaction

assistant
Whenever ISIC ForexPlus cardholder opts for DCC/MCC option on DCC/MCC enabled POS/ATM terminals, his/her transaction passes through cross currency transactions twice. It is not advisable for a ISIC ForexPlus cardholder to opt for DCC/MCC while using ISIC ForexPlus Chip card for making payments. Please note that every cross currency transaction attracts currency conversion charges at applicable rates. Apart from this, the cardholder will also get penalised due to fluctuation in currency conversion rate.
user
What are the call charges applicable if I use the Call ‘N Trade facility to trade in securities

assistant
The Call ‘N Trade facility is free of charge. You can place orders over the phone any number of times.
user
What documents should I submit when I purchase the HDFC Bank ForexPlus Chip 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, copy of 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
Is there moratorium/repayment holiday available (Education Loans For Indian Education)

assistant
Yes. A moratorium/repayment holiday is available for select courses.
user
What products can I trade in using my trading account

assistant
You can trade in Equity & Derivatives, IPOs, NCDs and Infrastructure Bonds. Click here to know more.
user
What is the maximum tenure to repay the Loans Against Rental Receivables

assistant
A Loan Against Rent Receivables can be sanctioned for a minimum tenure of 12 months and a maximum tenure of 108 months. This however depends on the balance lease period and other parameters.
user
Do I get access to all the services offered under Smartup programme once I start banking with HDFC BANK

assistant
Access to some of the services will depend on the size of the banking relationship
user
Why do I need a Children’s Plan

assistant
As a parent, your priority is your child’s future and being able to meet their dreams and aspirations. Providing a good education, establishing a professional career or even a modest wedding is becoming an expensive proposition with each passing year. Costs are increasing fast. Just imagine how much you will need when your young children tale these important steps in life in the future. With our Children’s Plans, you can start building regular savings today to help you secure your child’s immediate and future needs even when you are not around.
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
What documents are required to open a senior citizen Regular Fixed Deposit

assistant
While opening the account, the customer needs to provide proof of age establishing that he/she is a Senior Citizen. To accomplish this, either of the following can be submitted: Secondary School Leaving Certificate (10th Class) LIC Policy Voters Identity Card Pension Payment Order Birth Certificate issued by the competent authority Passport Defence ID Card / Govt ID Card (Provided they have the cardholder's photo, signature and date of birth) PSU Issued ID Cards Senior Citizen Cards issued by Indian Airlines / Indian Railways PAN Card View more
user
What is a No Claim Bonus (NCB) under a Motor Insurance policy

assistant
It is a discount in the own damage premium payable when renewing your policy after a claim-free year. It is an incentive for driving carefully and avoiding accidents. The No Claim Bonus on all types of vehicles, and the discount is as follows: All Vehicles % discount on Own Damage premium No claim made or pending during the preceding full year of insurance 20% No claim made or pending during the preceding 2 consecutive years of insurance 25% No claim made or pending during the preceding 3 consecutive years of insurance 35% No claim made or pending during the preceding 4 consecutive years of insurance 45% No claim made or pending during the preceding 5 consecutive years of insurance 50%
user
Will the loan be disbursed in favour of the Institute/college/university (Education Loans For Indian Education)

assistant
Yes. The tuition and hostel fees (if any) will be disbursed directly to the educational institute as per the schedule and structure of fees given by them.
user
I have 30 years to my retirement. Why do I need to plan now

assistant
This is the best part of your life. You have time on your side. So you can act now and ensure a smooth retirement. Please remember that retirement is inevitable & early planning for retirement is really helpful. The earlier you start investing in your retirement, the bigger would be your retirement kitty, thanks to the power of compounding. You can actually build up a larger sum with a comparatively smaller investment if you start early. So please think about this and act now.
user
How do Recurring Deposits work

assistant
A monthly deposit of a pre-fixed amount is made in the Recurring Deposit account. On maturity, you get back the amount you deposited, along with interest calculated at the rate applicable at the time of opening your account.
user
What is the minimum balance that I need to maintain in a Max Current Account

assistant
You need to maintain an Average Quarterly Balance of Rs. 5,00,000 in your Max Current account.
user
What if I forget my customer ID/ IPIN number

assistant
Your ID is available in your welcome letter or can be obtained from the branch. Your IPIN (NetBanking password) can be re-generated by downloading a 'Password Regeneration Request' from the HDFC bank website and submitting it to the branch. The new IPIN (NetBanking password) will be sent to you by post.
user
Are there transaction limits for NRO Debit Card

assistant
Subject to the balance in your account, the daily limits are Rs. 25,000 at ATMs and Rs. 1.75 lacs at merchant locations in India. These limits have been set for the security of your card.
user
Can I include my spouse in this the Accidental Protection Plan - Hospital Cash policy

assistant
Yes, you can include your spouse and up to 2 children in the policy.
user
Can this Card be used in India

assistant
No, this Card cannot be used in India, Nepal and Bhutan.
user
How Can I get my Times Points Debit Card

assistant
If you are an existing HDFC Bank account holder following are the process to get a Times Points Debit Card: 1. Please visit the nearest HDFC Bank branch and apply for Times Points Debit card 2. Please visit HDFC Bank NetBanking and Upgrade your existing card to Times Points Debit Card 3. Call Phone banking and put a request for new request for Times Points Debit Card(in case you do not have any debit card) or request for upgrade of your card to Times Point Debit card. In case you do not have existing account with HDFC bank then we would request you to visit nearest branch to open an account and request for Times Points Debit card.
user
What documents should I submit when I purchase the HDFC Bank Multicurrency Platinum ForexPlus Chip card

assistant
HDFC Bank Savings / Current account holders need to just submit completed application form and copy of valid Passport (or any other documentation as mandated under prevalent LRS guidelines) If you don't have HDFC Bank Savings / Current account, you need to submit completed application form, copy of valid Passport and copy of Ticket or Visa (or any other documentation as mandated under prevalent LRS guidelines) .
user
What is the difference between the Non-ASBA IPO process and the ASBA IPO process

assistant
In the Non-ASBA IPO process, the bid amount (application money) is debited from the bank account once the bid application is successfully placed with HDFC securities. Under the ASBA IPO process, the amount is not debited from your bank account until successful allotment. Until such allotment, the amount will remain blocked in your bank account.
user
What is so special about this product

assistant
HDFC Life APP has benefits such as: Capital Guarantee of 101% - 135% - APP is a unit linked plan that provides you the upside of the equity markets. However, to protect you from the market downfall, you have the Assured Vesting Benefit of 101% -135%, depending on the Premium Paying Term and Policy Term combination. This means that your capital is completely protected from any downside Pension Multipliers – As a Loyalty benefit, Pension Multipliers would be added to the fund value every alternate year starting from the end of 11th policy year. These additions will be equivalent to 1% of average fund value for the immediate preceding two years, subject to the policy being in force and all premiums paid till date. Early start to boost your corpus – With APP you can start your retirement planning as early as 18 years. The earlier you start, you would gain from the power of compounding and be able to build a bigger corpus before your retirement Lower vesting age limits – The minimum vesting age of APP is 45 years, this would help you to plan for early retirement
user
Can I use the DCC/ MCC option at the time of transaction

assistant
Whenever Regalia ForexPlus Cardholder opts for DCC/MCC option on DCC/MCC enabled POS/ATM terminals, his/her transaction passes through cross currency transactions twice. It is not advisable for a ForexPlus cardholder to opt for DCC/MCC while using ForexPlus card for making payments. Please note that every cross currency transaction attracts currency conversion charges at applicable rates. Apart from this, the cardholder will also get penalised due to fluctuation in currency conversion rate.
user
How will HDFC Bank sell the gold

assistant
HDFC Bank is selling the gold through its branches.
user
What are the most important guidelines post disbursements for Pre-owned Car Loans

assistant
Registration Certificate-Important advise HDFC Bank is in no way responsible for the delivery of the Registration Certificate. The Borrower shall submit the certified true copy of the Registration Certificate relevant to the vehicle for which the loan has been taken.The registration certificate has to be submitted within 60 days of having taken delivery of the vehicle or 150 days from the date of disbursal of the loan whichever is earlier.The Borrower is also required to submit copy of the Insurance policy as well as Invoice to the bank,within this period. Vehicle Delivery The role of HDFC Bank is to be a finance provider to the borrower and hence the Bank is not responsible for delay, non-delivery or any defect, damage in quality and workmanship of the Vehicle. The Bank is also not liable or responsible in case of defect or dispute of any nature in the title (even if the vehicle is found to be a stolen Vehicle) or ownership of the Vehicle. Loan cancellation In case of loan cancellation requested by the Borrower, in the event of non delivery of the vehicle,cancellation charges as well as interest charges till the time the refund of the loan is received from the dealer, will have to borne by the Borrower. Interstate NOCs In the event of a Borrower requiring a NOC for purpose of interstate registration,in the event of a transfer of employment or any other reason, fees of Rs 500 along with a refundable Fixed Deposit of Rs 5000 will be charged.It will be the borrower's responsibility to provide the transferred Registration certificate to the bank. We advise our customers to only deal with the Bank empanelled Direct sales associates.The Bank shall take no responsibility for any transactions undertaken by the borrower with any unempaneled direct sales associates,who may claim association with the Bank. It is also advised,that the customers should refrain from any dealings in cash with the Bank's Direct Sales associates .Borrowers should also not make any payments in cash/bearer cheque or kind in connection with the loan,to the executive,dealing with the borrower for purpose of the loan. View more
user
What is Life Stage Protection feature

assistant
Under this feature, you have the option to increase the basic Sum Assured without underwriting on any of the below specified events in the life of the Life Assured 1stMarriage: 50% of Sum Assured subject to a maximum of Rs. 50 lakhs Birth of 1st child: 25% of Sum Assured subject to a maximum of Rs. 25 lakhs Birth of 2nd child: 25% of Sum Assured subject to a maximum of Rs. 25 lakhs This feature is available under all plan options
user
What are the medical reports that need to be submitted to avail of Travel Insurance

assistant
For any insured with an adverse history of: Blood Sugar PP and Fasting ECG Report with tracing Echo Cardiography report USG Whole Abdomen Any insured with any of these needs a doctor’s certificate with all details of past ailments and present medication, if any and a doctor’s certificate stating the insured is fit to travel. View more
user
Can I change the tenure and installment due date, (auto debit date) of my Recurring Deposit

assistant
No it is not possible to change the tenure and installment due date, (auto debit date). We request you to open a new Recurring Deposit with the desired due date and tenure.
user
Is there a load amount limit

assistant
Card balances cannot be more than Rs. 50,000 at any given point in time.
user
How can I avail of Global Customer Assistance Services (GCAS) for my ForexPlus Platinum Card

assistant
You can call the VISA call centre numbers to avail the services available on Global Customer Assistance Services. Click here for Country wise Visa Call Centre numbers.
user
What are the key features of current account

assistant
Current Account Varaint SMARTUP ALPHA SMARTUP MAX Current Account Feature Minimum Balance Requirement Zero Balance for 1 Year, subject to any 2 debit transactions in the first 6 months from account opening Year 2 onwards Rs. 25,000 Average Quarterly Balance 5,00,000 Average Quarterly Balance Enjoy privileges of Preferred Banking* Free Cheque Leaves 100 Per Month 500 Per Month RTGS & NEFT FREE FREE Local & Anywhere cheque collections/payments and fund transfer FREE FREE Free Cash Deposit Limit Per month across all branches Upto 12 times the Average Monthly Balance per month or 25 transactions whichever is lower,(subject to maximum Rs 100 lacs/month) Upto 12 times the Current month Average Monthly Balance or 60 Lakhs or 60 transactions which breached first (subject to maximum Rs 200 lacs/month) Additional Privileges Debit Card Platinum Debit Card with No Annual Fee 1 cash back for every Rs 100 spent * Times Debit Card with No Annual Fee Earn 2 Times Points for every Rs. 150 spent * Exclusive Discount of 10% or more on online lifestyle, entertainment, dining and grocery * Corporate Credit Card (FD backed card with credit limit of 75%) Business MoneyBack (FD Amount Rs. 45000) Business Regalia First (FD Rs.2,00,000) Business Regalia- (FD Rs. 4,00,000) Business MoneyBack (FD Amount Rs. 45000) Business Regalia First (FD Rs.2,00,000) Business Regalia- (FD Rs. 4,00,000)
user
Who all can open SmartUp Current Account

assistant
SmartUp Solutions is targeted primarily for the newly incorporated Start-up companies working towards innovation, development, deployment or commercialization of new products, processes or services driven by technology or intellectual property. - Proprietorship, Partnerships, LLP, Private limited companies and Limited companies can open this account. - Date of incorporation / registration of business should not be more than five years from date of account opening
user
What are the other benefits that I can get from my Loan Against Securities Account

assistant
All the benefits that we offer on the Current Account are also applicable to the Overdraft account. This includes facilities like Phone Banking, NetBanking, BillPay and ATM. As a privileged Loan Against Securities customer, you will be entitled to our FREE International Debit Card.(only for the first holder)
user
How much of foreign exchange earnings can be credited into an EEFC account

assistant
100% foreign exchange earnings can be credited to the EEFC account subject to the condition that the sum total of the accruals in the account during a calendar month should be converted into rupees on or before the last day of the succeeding calendar month after adjusting for utilisation of the balances for approved purposes or forward commitments. Refer to the RBI circular on below link. Note: In accordance with Reserve Bank of India's circular no. A. P. (DIR Series) Circular No. 12 dated 31st of July 2012, the balances outstanding in all EEFC / Diamond Dollar Account (DDA) and RFC (D) accounts as on last day of a Current month, shall be converted into Rupees by the Bank on the last working day of the succeeding month, if such balance is not utilised by the account holder before the last day of succeeding month. Such mandatory conversion by the bank on the last working day of the succeeding month will be done at the prevailing TT buying card rate. In case, customer has booked Forward Contract/s for conversion of balances in these accounts at a future date which is falling beyond the last day of the succeeding month, such contracted amount shall be deducted from the eligible amount for the mandatory conversion. In case customer has any payment to be made in future from these accounts beyond the last day of the succeeding month then bank should be duly informed before 25th of the succeeding month in writing through Relationship Manager / Branch Manager for holding back the conversion to that extent. The customer needs to submit the underlying documents of such future transaction/s. This will be an on-going procedure till we receive revised instructions from Reserve Bank of India. View more
user
What are the tenures for which I can avail this loan

assistant
HDFC Bank Consumer Durable Loan is available in 12, 18, 24 and as long as 36 months
user
Will I also be able to save tax through a Children’s Plan

assistant
Yes, you will be eligible for tax benefits under Section 80C and Section 10(10D) of the Income Tax Act, 1961, subject to the provisions contained therein (tax benefits are subject to change in the tax laws. Please refer to the Tax Benefits section for more details).
user
What benefit do I get from the Revive Policy for Personal Accident if I break my bones

assistant
You get 10% of the sum insured up to Rs. 50,000 (for dependent parents) if you break your bones in an accident.
user
Can I load GiftPlus card by making payment in Cash

assistant
No, GiftPlus card cannot be loaded against payment of cash. GiftPlus card can be loaded by way of a Direct debit to your HDFC Bank account, local cheque drawn on HDFC Bank or demand draft
user
What is covered under the benefit Loss of Checked Baggage

assistant
This benefit will reimburse the insured person the cost of replacement of the articles if the Checked-in Baggage or Personal Documents are permanently damaged or lost.
user
How can I cancel my Forex Plus Card

assistant
To cancel your ForexPlus Chip Card, we request you visit our your nearest HDFC Bank branch and place a request towards cancellation the of the card. Your request will be processed within one working day of us receiving the request and the available balance on the card will be refunded back to your account. Incase you do not have an account with us then a demand draft shall be issued for the respective refund amount. There are no charges towards the cancellation of a ForexPlus Chip Card. However, currency conversion tax as applicable from time to time will be deducted at the time of providing credit to you. Kindly visit the following URL to access information for the complete address and contact details of our Branches and PhoneBanking centers:
user
What plans are available under  the Revive Policy for Personal Accident

assistant
HDFC ERGO offers a wide range of sums insured ranging from Rs. 2.5 Lakhs to Rs. 15 Lakhs, with four plan options to choose from: Self Plan Self and Family Plan Self + Dependent Parents Add-On Self and Family + Dependent Parents Add-On
user
What should I do in the case of a void transaction for International 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
Does  the Accidental Protection Plan - Hospital Cash policy have a hospital cash benefit

assistant
Yes hospital cash provides a benefit of Rs. 1,000 for every day up to a maximum of 30 days in case of hospitalization due to an accident.
user
Do I need to provide collateral to avail of an education loan (Education Loans For Foreign Education)

assistant
For loans up to Rs. 4 lakh - No collateral or Third Party Guarantee is required For loans from Rs. 4 lakh to Rs. 7.5 lakh – No collateral required, however Third Party Guarantee is required For loans above Rs. 7.5 lakh – collateral is required. You can choose from any of the following acceptable collaterals: Residential Property HDFC Bank Fixed Deposit LIC/NSC/KVP View more
user
Can I include my parents in this policy

assistant
Yes, you can include your dependent parents up to 65 years. The plan provides add on benefits for your dependent parents with an affordable flat rate. Now you can give back a small measure of the love and concern they showed for you.
user
How long can the tenure of my loan be

assistant
Usually the tenure of an Auto Loan is 3 to 7 years. The tenure also depends on the type of car you wish to purchase. If it is a super premium car the tenure is restricted to 3 years only. In addition, the higher your tenure is the lower your EMI will be, but the total interest outflow is higher.
user
How much time will it take to change the mode of repayment/ account to repay my loan

assistant
It will take 25 working days to activate the revised instructions. In case your next instalment falls due prior to the 25 day period, instructions already lodged with us will be presented for payment.
user
Does customer need to log-in to every Times Internet Limited page for earning Times Points

assistant
Yes. Customer needs to log-in to earn times points for activities done on any website.
user
What are the different types of Savings Plans

assistant
You may choose between a traditional endowment plan and unit-linked insurance plan depending on a number of factors including your risk profile, your understanding of different financial instruments and your ability to track your investments regularly. Therefore , those who are well aware of the financial markets, are willing to bear the investment risk and desire a higher return can look at unit linked products and vice versa.
user
Is there a fee to register for Verified by Visa / MasterCard Securecode

assistant
The service is free, There is no additional charges for using the service.
user
What is the maximum loan amount I can take on a Tractor Loan

assistant
You can borrow up to 90%, subject to credit underwriting standards of the bank.
user
What are the loan tenure options for Professionals Loan

assistant
You can repay your loan over a period of 12 to 60 months
user
Does the KYC Acknowledgement have an expiry date

assistant
No. Once the KYC Acknowledgement is obtained and informed to a Mutual Fund, it will be registered against the folio and quoted in all future account statements. The same will exist in perpetuity, unless cancelled by CVL.
user
Does the Travel Insurance policy cover loss of cash/Credit Card

assistant
The company is not liable to pay any benefit in respect of loss of cash, bank or currency notes, cheques, Debit or Credit Cards.
user
How long does it take for the IVR Password  to get delivered using Verified by Visa/Mastercard Secure Code

assistant
The IVR Password will get delivered instantly, in less than a minute. Please ensure that you also check your Spam, Junk and all other folders for the IVR Password mailer from HDFC Bank.
user
What are the benefits of a retirement plan

assistant
Retirement Plans provide you with a steady flow of income post retirement so that you can continue to live a financially independent life.
user
What are the KYC requirements for a Mutual Fund Investor

assistant
Individual investors will have to produce a Proof of identity (Photo PAN card copy or PAN card copy and copy of the passport, driving license, etc.) and Proof of Address (any of the valid documents listed in section B of the KYC Application Form for Individuals). Non-Individual Investors will have to produce certain documents pertaining to its constitution/registration to fulfill the KYC process. A list of Mandatory Certified Documents to be submitted can be found in section C of the KYC application form for Non-Individual Investors.
user
Is my overdraft limit fixed

assistant
This will completely depend on the market rate of the securities that you have pledged. Of course, we will value your portfolio periodically to determine your overdraft limit. You can increase your overdraft limit by pledging more shares/securities , or decrease it by withdrawing them – that's completely up to you.
user
What is a retirement plan

assistant
Retirement Plans refers to insurance plans which aim to offer you income/ pension after retirement when you may not have any other adequate source of income.
user
Will TDS be charged on the gross interest earned or the net interest earned

assistant
TDS (Tax Deducted at Source) is charged if, in a financial year, the gross interest earned on your fixed deposits held with the bank exceeds Rs. 10, 000.
user
What is the AMB (Average Monthly Balance) requirement of the Institutional Savings Account

assistant
An Institutional Savings Account is a ZERO BALANCE account.