haiderullah2174/bankfaq huggingface dataset:
user
How much finance can I avail of on Loan against Car

assistant
You can avail finance of up to 100% of original loan amount for a vehicle of 9 - 42 months vintage.
user
Is a nomination facility available for lockers

assistant
Yes, a nomination facility is available to Individuals /Joint hirers of Safe Deposit Lockers.
user
What should I do in the case of a void transaction for Titanium 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
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 (ACHStands for Automated Clearing House. It is a mode by which funds are automatically debited to your account every month to pay or a certain bill or fee. It helps so you don’t have to remember every month to pay your regular bills. It is only done after a standing instruction is given by the account holder. 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 already registered for Times Points program; what happens to my existing Times Points ID if I apply for Times point debit card

assistant
If the e-mail address in your existing times point account, and the one given to HDFC Bank is same, then all the Times Points earned through debit card transactions will be credited to existing Times Point account. In case of different e-mail addresses, a new Times Point account will be registered using the e-mail ID given to HDFC bank.
user
What do you mean by exclusions under the Accidental Protection Plan - Hospital Cash

assistant
Exclusions are situations or conditions where HDFC ERGO is not liable to pay the benefits to the insured person in the event of an accident.
user
How is online investing more convenient

assistant
1. No filling of multiple application forms 2. Only a one time registration agreement to be signed and submitted 3. Paperless method to invest in Mutual Funds 4. No application forms, No Cheques, No Documents required for any transaction 5. Direct Credits to your bank account for Redemptions and Dividend proceeds 6. View online Mutual Fund holdings on NetBanking
user
When do I have to submit a medical exam

assistant
Any insured with an adverse medical history has to submit medical reports irrespective of the trip band.
user
When does my policy start

assistant
This will be commenced within 15 days from the date of receipt of form & premium payment
user
What is the time frame to resolve Domestic ATM transaction disputes

assistant
7 working days from receipt of the dispute.
user
What should I do in case I am unable to access my Company's Current Account

assistant
If you are unable to access your company’s Current 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 Companies, separate Customer IDs are created in the name of the Company as well as each of the Authorized Signatory(ies). The Authorised Signatory(ies) is distinct and has to be used to access NetBanking for the Company’s Account. For more details, Contact Us
user
Does any change or enhancement in my deposit portfolio affect TDS liability

assistant
Yes. If the change or enhancement in your deposit portfolio earns a cumulative interest along with that of the earlier portfolio greater than Rs. 10,000/- you will be liable for TDS on your current portfolio. Note: If interest on the current portfolio is not sufficient to cover TDS, it will be recovered from the principal.
user
Are there transaction limits for Gold Debit Card

assistant
Subject to the balance in your account, the daily limits are Rs. 50,000 at ATMs and Rs. 2.75 lacs at merchant locations. These limits have been set for the security of your card.
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 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 Center : 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 Center : 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
Can I generate multiple IVR Passwords

assistant
No, only one IVR password can be generated at a time. Only when the first one is used / expires, can the next IVR password be generated.
user
What does 'Moratorium period' mean (Education Loans For Foreign Education)

assistant
A repayment moratorium (also called a repayment holiday) is the course work period + 1 year or 6 months after the student gets a job or starts earning, whichever is earlier.
user
What is the maximum age limit for buying this Plan

assistant
The maximum age allowed at entry is 70 years of age.
user
Can I get a  Debit Card linked to my Institutional Savings Account

assistant
Yes. Business Debit Cards are issued to Authorised Signatories in the account. This is done provided the mode of operation is ‘Singly’ OR ‘Either or Survivor’ and the operating instructions allow the signatory to sign for amounts above Rs. 1.25 lakh. This is because the combined - ATM & POS - per day limit on the Business Debit Card is Rs.1.25 lakh.
user
Any minimum Balance need to be maintained in the account

assistant
No minimum balance need to be maintained as these are Zero balance accounts.
user
Can I load Forex card by making payment in Cash

assistant
No, Forex card can not be loaded against payment of cash. In case existing bank customer need to load his/her forex card by making payment in Cash then, the customer need to deposit cash in his/her account and then issue cheque or debit instruction to load the card.
user
How do I know my application has been accepted

assistant
You can check your account opening status on www.hdfcsec.com on the footer page of the homepage section page under the Application status.
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 the amount which is higher of 80% of the premiums paid till date of death or the surrender value as available on the date of death.
user
Do I need to activate Multicurrency Platinum ForexPlus Chip card for Ecommerce transactions

assistant
You Multicurrency card is pre-activated to perform Ecommerce transactions once your card is loaded with the Forex currency required.
user
Do I need to have HDFC Bank account to purchase the Hajj Umrah ForexPlus Card

assistant
You can just walk into any of our HDFC bank branches in India and purchase it over the counter after submission of necessary documents.
user
How frequently will my portfolio be re-valued

assistant
We generally do that on a weekly basis, unless there is a sudden fall in the market prices. In that case, we can conduct an Interim revaluation.
user
Will I get notification about the expiry of my Times points

assistant
Yes, you will be notified through email on the expiry of your Times points. The emails notification will be sent to you from Times Internet Limited (TIL).
user
What is the Death Benefit under the plan

assistant
On death of the life assured during the term of the policy, provided all due premiums are paid; the nominee will receive the higher of the following: Sum Assured on Death + Accrued Reversionary Bonuses + Interim Bonus (if any) + Terminal Bonus (if any) 105% of premiums# paid till dateWhere, the Sum Assured on Death shall be the higher of: Sum Assured on Maturity 10 times Annualised Premium# for entry age up to 50 years and 7 times Annualised Premium# for entry age greater than 50 years #excludes any underwriting extra premiums, modal loadings and any taxes paid On death of the life assured during the payout period, the Death Benefit payable shall not be reduced by the survival benefits already paid. On payment of the Death Benefit during the policy term, the policy will terminate and no future payouts will be payable.
user
What is the maximum value for which the Card can be used

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

assistant
Customer can load Hajj Umrah ForexPlus card by issuance of cheque against the amount to be loaded. However, cards will be loaded post realisation of the cheque deposited by the customer. The exchange rate applicable will be for the day on which funds are realized and card is activated.
user
Can I use the same IVR Password  to perform multiple transactions

assistant
No, each IVR password can be used only for a maximum of 3 attempts (including decline attempts) within the specified validity period. For further transaction attempts, a new IVR password must be generated.
user
Which Mutual Funds are ISA enabled

assistant
List of Mutual Funds ISA AIG Mutual Fund OD Addendum Fact Sheet Axis Mutual Fund OD Addendum Fact Sheet Bharti AXA Mutual Fund OD Addendum Fact Sheet Birla Mutual Fund OD Addendum Fact Sheet Canara Robeco Mutual Fund Fund OD Addendum Fact Sheet Deutsche Mutual Fund OD Addendum Fact Sheet DSP BlackRock Mutual Fund OD Addendum Fact Sheet Edelweiss Mutual Fund OD Addendum Fact Sheet Fidelity Mutual Fund OD Addendum Fact Sheet Franklin Templeton Mutual Fund OD Addendum Fact Sheet HDFC Mutual Fund OD Addendum Fact Sheet HSBC Mutual Fund OD Addendum Fact Sheet ICICI Prudential Mutual fund OD Addendum Fact Sheet IDFC Mutual Fund OD Addendum Fact Sheet ING Mutual Fund OD Addendum Fact Sheet JM Mutual Fund OD Addendum Fact Sheet JP Morgan Mutual Fund OD Addendum Fact Sheet Kotak Mutual Fund OD Addendum Fact Sheet L & T Mutual Fund OD Addendum Fact Sheet Mirae Asset OD Addendum Fact Sheet Morgan Stanley Mutual Fund OD Addendum Fact Sheet Reliance Mutual Fund OD Addendum Fact Sheet Religare Mutual Fund OD Addendum Fact Sheet SBI Mutual Fund OD Addendum Fact Sheet Sundaram Mutual Fund OD Addendum Fact Sheet TATA Mutual fund OD Addendum Fact Sheet UTI Mutual Fund OD Addendum Fact Sheet BNP Paribas Mutual Fund OD Addendum Fact Sheet Pramerica Mutual Fund OD Addendum Fact Sheet View more
user
Which Rewarding Merchants participate

assistant
You will have access to thousands of Participating Rewarding Merchants located throughout North America. To locate a Participating Rewarding Merchant near you, please use our online locator. If you don’t find a Participating Rewarding Merchant location near you, be sure to check back frequently as we are always adding new merchants to the program.
user
Is any additional documentation required for availing the ASBA facility

assistant
No further physical documentation is required to avail of this facility.
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 PhoneBanking immediately and report the loss of your card. This facility is available 24 hrs on all days. The card can also be hotlisted using our Prepaid card NetBanking facility on www.hdfcbank.com
user
What are the benefits under  the Critical Illness - Platinum Plan

assistant
The company will pay the sum insured as a lump sum on the first diagnosis of any one of the following critical illnesses, provided that the insured person survives a period of 30 days from the date of the first diagnosis. The following critical illnesses are covered under our plan: Heart Attack (Myocardial Infarction ) Coronary Artery Bypass Surgery Stroke Cancer Kidney Failure Major Organ Transplant Multiple Sclerosis Paralysis View more
user
As an NRI, can I buy Mutual Fund Units in the Portfolio Investment Schemes (PIS) account

assistant
No, you cannot purchase Mutual Fund units in the PIS account. You can only do so in the Non-PIS account.
user
How is the Fund Value calculated

assistant
Fund Value will be calculated by multiplying balance units in your fund by the then prevailing NAV price.
user
What is the definition of a dependent child

assistant
A dependent child is an unmarried child between the age of 3 months and 18 years, or up to 21 years if in full time education, residing with the insured person.
user
If I have just received a renewed card, do I need to re-register

assistant
No, you do not have to re-register your renewed card since the card number remains the same. You need to re-register only if your card number has changed due to card replacement/ re-issue/ upgrade.
user
Where can the policyholder get the list of Network Hospitals

assistant
The list of Network Hospitals is enclosed along with the Policy Document. The Policyholder can also visit the HDFC Life website, www.hdfclife.com, for the most updated list.
user
What are the minimum and maximum age limits for investing in HDFC Life Uday

assistant
The age limits for HDFC Life Uday have been highlighted below : Minimum Entry Age 18 Years Maximum Entry Age 55 Years Minimum Maturity Age 30 Years Maximum Maturity Age 70 Years
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
Who can be a partner in a partnership firm

assistant
Partners must be major (above the age of 18), should be sane and should not be disqualified by law from entering into a contract.
user
Can I access my Merchant Advantage Plus Current Account from any HDFC Bank branch

assistant
Yes. The advanced technology of our systems provides you with the flexibility of accessing your account from any HDFC Bank branch.
user
How long does it take to process Gold Loan

assistant
A gold loan is disbursed within One Hour. This is, however, subject to the verification of the gold and other documents that you submit. Approvals are at the sole discretion of the bank.
user
Can I take this plan without going for medicals

assistant
Yes this plan can be taken by filling short medical questionnaires subject to underwriting guidelines. For more details contact our Relationship Manager.
user
What happens if I don’t pay an instalment

assistant
If frequent defaults (non-payments) are observed in your payment of monthly installments, and six installments fall in arrears, the Bank reserves the right to close your RD account. The interest rate applicable on such accounts will be as per the premature withdrawal policy of the Bank.
user
What is the difference between Life and Extra Life options

assistant
In addition to the benefits under Life Option, you get an additional Extra Life Sum Assured upon death due to Accident under Extra Life option. Customer has the flexibility to select the amount of Extra Life Sum Assured (maximum up to Base Sum Assured)
user
Is HDFC Bank venturing into silver/bullion market

assistant
Yes, HDFC Bank has RBI approval to retail silver/bullion to its customers.
user
How do I obtain a NOC from the bank for settling a partial loss Insurance Claim for a vehicle under finance with HDFC Bank

assistant
You may obtain the NOC to settle the partial insurance claim in your favour, provided there are no outstandings to your loan account, by visiting any of our Retail Loan Service Center and submitting the following documents: Request form for applying for the required NOC. Original Insurance Policy (will be returned back to you at the centre, post validation). Copy of the Insurance Policy, duly self attested by you. Claim Voucher provided by Insurance Company Applicable fee of Rs. 500/- vide a cheque/payorder/demand draft favouring HDFC Bank Ltd Loan Account No. << >>. In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents (self attested copy and original for validation) of the bearer, i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided. Note, for Total Loss, Claims will be settled in favour of the Bank to close the loan based on the Loan Pre-Termination Statement as on the date of request and in case of any excess claim received from the Insurance Company, a refund will be made favouring the customer. View more
user
What is the time frame to report Debit Card transaction dispute

assistant
Transaction dispute needs to be reported in writing within 30 days from the transaction date.
user
Who do I contact in the case of hospitalization when covered under Travel Insurance

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
Where I can earn ‘Thanks Again’ Reward Points

assistant
You can earn reward points on merchants registered with ‘Thanks Again’ reward program, located in & around airports
user
Can a Defence ID card be accepted as a Photo ID document (Defense Salary Account)

assistant
A Defence ID can be accepted as a Photo ID document.
user
What should I do in the case of a void transaction for NRO 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
What are the permissible credits into EEFC account

assistant
Inward remittance through normal banking channels, other than remittances received on account of foreign currency loan or investment received from abroad or received for meeting specific obligations by the account holder; Payments received in foreign exchange by a 100 per cent Export Oriented Unit or a unit in (a) Export Processing Zone or (b) Software Technology Park or (c) Electronic Hardware Technology Park for supply of goods to similar such units or to a unit in domestic tariff area; Payments received in foreign exchange by a unit in the domestic tariff area for supply of goods to a unit in the Special Economic Zone (SEZ); Payment received by an exporter from an account maintained with an authorised dealer for the purpose of counter trade. (Counter trade is an arrangement involving adjustment of value of goods imported into India against value of goods exported from India in terms of the Reserve Bank guidelines); Advance remittance received by an exporter towards export of goods or services; Professional earnings including directors fees, consultancy fees, lecture fees, honorarium and similar other earnings received by a professional by rendering services in his individual capacity; Re-credit of unutilised foreign currency earlier withdrawn from the account; Amount representing repayment by the account holder's importer customer, of loan/advances granted, to the exporter holding such account; and The disinvestment proceeds received by the resident account holder on conversion of shares held by him to ADRs/GDRs under the Sponsored ADR/GDR Scheme approved by the Foreign Investment Promotion Board of the Government of India. View more
user
Do I need to register for program

assistant
Yes, Customer need to register himself on www.thanksagain.com for earning the reward points. Unless you register yourself, you cannot earn any reward points
user
How long is the tenure of the loan (Education Loans For Indian Education)

assistant
The maximum repayment tenures are as below: For loans upto Rs. 7.50 lacs - upto 10 years For loans above Rs. 7.50 lacs - upto 15 years
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 24x7 PhoneBanking immediately and report the loss of your card. The card can also be hotlisted using our Prepaid NetBanking facility In case you have opted for a back-up card, then you can request to activate back-up card and transfer balance on your hotlisted card to the back-up card. Balance transfer will be carried out instantaneously.
user
What are the guaranteed benefits that are there in the policy

assistant
The Product offers two types of guaranteed benefits: 1. Guaranteed Additions – 3% to 5% of ‘Sum Assured on Maturity‘ accrue during first 5 policy years, payable at maturity or death, whichever is earlier, provided the policy is in force Policy Term Guaranteed Additions (% of Sum Assured on Maturity) 15 years to 19 years 3 % p.a. 20 years to 24 years 4 % p.a. >=25 years 5 % p.a. 2. Sum Assured on Maturity – 100% of 'Sum Assured on Maturity' is payable at maturity, provided the policy is in force.
user
What should I do in the case of a void transaction for Gold 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
What will my family receive in case of my unfortunate demise

assistant
In case of the Life Assured’s unfortunate demise, the nominee will receive the higher of the following: Sum Assured, Fund Value, 105% of the premium(s) paid.
user
Where do I get this card

assistant
ForexPlus Chip card is available over the counter at HDFC Bank branches. You simply need to walk into our branch with required documentation and walk out with ForexPlus Chip card. The card will get activated within 4 hours from realization of funds. Alternatively, the customer can apply for card through NetBanking login also.In case the customer applies the card through NetBanking the card will be delivered to the customer within 2 working days. This facility is available at select locations only.
user
Can I load ForexPlus Chip Card by making payment in Cash

assistant
No, ForexPlus Chip Card cannot be loaded against payment of cash.
user
How can I obtain an IVR Password

assistant
By Sending SMS request: Send an SMS 'PWD<space>1234' to 9717465555 or to 5676712 from your registered (with Bank) mobile number.(Note: 1234 are the last 4 digits of your HDFC Bank Credit Card number). You will receive an SMS with the IVR password on the same number. From HDFC Bank Website: If you have registered your card for NetSafe/ Verified by Visa/ MasterCard SecureCode, you can also login in to your NetSafe/ Verified by Visa/ MasterCard SecureCode account and use the Generate IVR Password option available on the left menu. The IVR password will be sent to your registered mobile number and email ID. These are the most convenient and recommended options. To ensure convenience, make a note of the IVR password and keep it handy while performing the transaction. Note: Kindly ensure that your latest mobile number and email ID is updated with us. Premium SMS charges as per your mobile service provider will apply for an SMS sent to 5676712 View more
user
How are Mudra Pure Gold Bars different from 24 carat gold available in market

assistant
There are three different purity levels in 24 carat gold; i.e. 99.50%, 99.90% and 99.99%. HDFC Bank Mudra Pure Gold Bars are 24 carat, 99.99% pure. This is the highest available purity in gold. The normal level of purity commonly available with local jewelers is 24 carat 99.5% pure. In some cases the purity is level is 99.9% pure.
user
What is the Surrender Benefit

assistant
If you surrender before completion of the 5 years from commencement of the policy, your fund value, less discontinued charges, will be moved to the 'Discontinued Policy Fund'. The amount allocated to the 'Discontinued Policy Fund', with accrued interest, will be paid out on the completion of the lock-in period. Discontinuance charge will be deducted. If you surrender after completion of the 5 years from commencement of the policy, your fund value will be paid out immediately. Upon payment of this benefit, the policy terminates and no further benefits are payable. Please refer to product brochure for details
user
Are there any tax benefits available

assistant
The premiums paid by you are eligible for tax benefits under Section 80CCC of the Income Tax Act, 1961. Up to 1/3rd of the policy proceeds can be taken as tax-free commuted value, as prescribed under Sec 10 (10A) of the Income Tax Act, 1961.
user
Can NetBanking facility (financial rights) be enjoyed by  authorized signatories in the Institutional Savings Account

assistant
Yes. We do offer NetBanking financial rights to authorized signatories. You need to fill up an application form along with a Board Resolution in order to avail this facility.
user
I'm not a traveller, can I still benefit from the Regalia ForexPlus Card

assistant
The Regalia ForexPlus Card is only for travellers, and cannot be issued to non-travellers.
user
How to set Prepaid NetBanking Login User ID / Password for the first time

assistant
You may have received IPIN or Activation Code in the kit provided to you. The Activation Code will be printed on the card mailer below the card whereas the IPIN will be printed on the PIN mailer along with ATM PIN. The Activation Code / IPIN is required to set your NetBanking Password for your Multicurrency card for the first time. Following steps should be followed for setting NetBanking User ID / Password for the first time using Activation Code / IPIN: Visit HDFC Bank website and select Prepaid NetBanking Enter the Card Number in User ID/Card Number field and the Activation Code / IPIN (mentioned in the PIN mailer) in the Password field. Input User ID of your choice for future login purpose Select the secret question from a dropdown menu and provide the answer Mention the new Password and reconfirm the same With the new User Id and Password you can then login to access your card account
user
What happens if premiums are not paid

assistant
In case the Policyholder has not paid the premium by the expiry of the grace period, he/she will have the following options: to revive the Policy within a period of 2 years from the date of discontinuance, or to completely withdraw from the Policy without any risk cover, or to convert the policy into paid-up policy (available only on discontinuance after completion of the 5 policy years) If you do not communicate to us on the above options, the following treatment will be applicable Discontinuance before completion of 5 years from commencement of the policy: Fund Value less applicable charges will be moved to ‘Discontinued Policy Fund (DPF)’.The proceeds from DPF will be paid out upon the completion of the lock-in period. Discontinuance on and after completion of the 5 years from commencement of the policy: Fund Value will be paid out to you. You have the option to revive a discontinued policy within two consecutive years from the date of discontinuance of the policy, subject to payment of all due & unpaid premiums and our underwriting policy.
user
Can partial Payments be made on Recurring Deposits

assistant
Partial payments are not possible.
user
What is the policy term available under the plan

assistant
Policy Term of 10 to 40 years is available under the plan.
user
How much Foreign exchange can I load into the card

assistant
You can load the currencies as per the limits prescribed by FEMA guidelines.
user
If I get a new card (reissue), will my Times point carry forward

assistant
Yes, your accumulated Times point will be carried forward to the new card.
user
What is the difference between the Non-ASBA IPO process and the ASBA 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. Under the ASBA process, the amount is not debited from your Bank account until successful allotment. Until such allotment, the amount will remain blocked in your Bank account.
user
How is My Reward Calculated

assistant
The Participating Rewarding Merchant contributes a reward that is calculated using the total purchase price, including taxes, less credits for returns or cancellations, for qualifying purchases.
user
How much am I going to be charged yearly for Times Points Debit Card

assistant
The annual charges for Times Points Debit Card is Rs. 650/- +Taxes applicable.
user
What are the Debit Card transaction fees if I swipe my card at Petrol pumps or Railway stations

assistant
The following are the transaction charges applicable when you use the Debit Card at: Petrol pumps: Rs. 10 or 2.5% of the transaction amount (whichever is greater). Railway Stations: Flat charge of Rs. 30 per ticket + 1.8% of the transaction amount. IRCTC: Transaction charge of 1.8% of the transaction amount Please note that there are no transaction fees applicable at other merchant locations. These charges attract a Service Tax and an Swachh Bharat Cess as applicable, in terms with the current Finance Bill. View more
user
Can a Travel Insurance policy be extended

assistant
Extensions are applicable to original policies of 30 days or more and provided the policy is still in force.
user
How can I get my address changed in my loan account

assistant
In order to change your address in our records, you may visit the nearest Retail Loan Service Center (Link to open )and submit the following documents: Request form for Address Change. Self Attested copy of your revised address proof along with the original address proof for validation. In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer, i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.
user
Is sum assured a death benefit

assistant
Sum is assured for the vesting benefit. Death benefit is all the premiums paid till date @ 6.p.a. compounded.
user
What are the transaction limits for Titanium Debit Card

assistant
The daily limits are Rs. 50,000 at the ATM and Rs. 1.75 lacs at merchant locations. This is subject to the balance in your account, and is for your account security.
user
Can the policy be cancelled

assistant
The policy may be cancelled via request on Email/Fax. The intimation of cancellation has to reach us within 14 days of policy issuance. If the policy has already incepted, a copy of all 40 pages of the passport needs to be submitted as a proof that the journey has not been undertaken. Cancellation charges of Rs. 250/- shall be applicable and the balance shall be refunded.
user
What is the maximum amount I can invest

assistant
There is no limit on maximum amount that you can invest under this plan, subject to underwriting.
user
What are the documents required to open a Women's Savings Account

assistant
To open a Savings Account you have to: Submit your identity proof and address proof along with your latest passport size photographs Submit self-attested copies and originals for verification View more
user
What is the minimum and maximum deductible in this plan

assistant
You can choose minimum of Rs. 2,00,000 and maximum of Rs. 5,00,000 aggregate deductible in this policy.
user
Can I Login to Check My Account

assistant
You may check your accrued awards by logging in on the website or mobile app. However, please be aware that it generally takes up to 1-3 days for the points earned to reflect in your Thanks Again membership account and 2-3 weeks for your accrued awards to be posted to your member statement with your Participating Reward Provider.
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Who can be a beneficiary under the Accidental Protection Plan - Hospital Cash

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A beneficiary can be any member of your family.
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Can I change my maturity/death benefit options during the policy term

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No. You choose your maturity benefit option and death benefit option at policy inception and they cannot be changed during the policy term.
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How can a policyholder track the performance of a policy fund

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You can also track the daily NAV of your funds on our website or check them in leading newspapers.
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What is Extra Life Option in the policy

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You can opt for Extra life Option under Classic Benefit under the plan. In case of death due to accident during the term of the policy, an additional Sum Assured will be payable to the Nominee in addition to the Death Benefit under the Plan. Please refer to product brochure for further details and/or consult Relationship Manager.
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What is the difference between 3D Life and 3D Life Long Protection options

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In addition to the benefits under 3D Life Option, Life Assured is covered for whole life under 3D Life Long Protection option. Premiums under this option have to be paid only till an age of 65.
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What are the key features of Payment gateway of HDFC bank

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- Acceptance of online payments through cards/ NetBanking and IMPS - Value Added Services such as EMI (Easy Monthly Instalment), Standing Instructions (for recurring payment), IVR (Interactive Voice Response System), intelligent online reporting of success/failed transactions, dynamic routing across gateways to ensure best success rate, tokenisation etc - All the above on a plug & play model with simple documentation and T+1 settlement thereby enabling faster business go-live and better funds management - One of industry’s best risk monitoring capability - Dedicated in-house service team for all time support
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What is covered under Delay of Checked Baggage

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This will reimburse the insured person on the cost of replacement of articles if the Checked-in Baggage or Personal Documents are delayed or misdirected.
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Will I be entitled to the same kind of benefits on this account as my Salary account

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The features & benefits on the Reimbursement account are as follows: Click Here for features & benefits on the Reimbursement account.
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What documents do I need to submit when buying Insurance for my vehicle

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All you need to submit is a signed proposal form, in certain cases you have to submit some additional documents, if required.
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What is the offer for Salary Account under Smartup programme

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No minimum requirement of number of salary accounts and Average salary to be more than Rs. 25,000 - Zero Balance Salary Account ,Free payable at par cheque book -Platinum Debit Card with higher limits for cash withdrawal at ATMs and usage at shopping outlets - Corporate Microsite (Whenever applicable) – a customised webpage highlighting our offers for company’s employees at no cost. - Online investment and Loan facility. - Cashback of Re.1* for every Rs.100 spent at merchant outlets.
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How do I obtain a NOC from the bank if I have lost my Registration Certificate book for a vehicle under finance with HDFC Bank

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You may obtain the NOC for a duplicate Registration Certificate book for your vehicle loan, by visiting any of our Retail Loan Service Center and submitting the following documents: Request form for applying for the required NOC. Self-attested copy of the Registration Certificate book, duly self-attested by you for validation. Copy of FIR or certificate from police or Acknowledgement from Police on written complaint with General Diary No. Applicable fee of Rs. 500/- vide a cheque/payorder/demand draft favouring HDFC Bank Ltd Loan Account No. << >>. In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.
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What is the initial deposit amount required to open the Flexi Account

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The initial deposit amount to open a Flexi Current account is Rs.75,000.
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Can the plan be offered under limited underwriting

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The plan can be applied by filing in the Short Medical Questionnaire (SMQ), which may not require you to go for medicals.
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Who do I inform about change of name/address/status/signature, etc.

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You should intimate your change of name/address/status/signature, etc. to any convenient PoS. You need to quote your PAN and submit proof (in case of a new address). You should provide at least 10 days for the change of address to take effect with all the Mutual Funds where you have investments. Please note that you should not write to the Mutual Fund or its Registrar for the change of address (unless as a designated PoS). The specified form can be obtained from the AMFI/Mutual Fund/CDSL website. All details of the holders in the Mutual Fund records will be replaced by the address details available in the CVL record.
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Can TDS be recovered from my principle of the FD

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If the interest amount is not sufficient to recover TDS, the amount is taken from the principal of the deposit.
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What do I need to know about ISIC HDFC Bank ForexPlus Card

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Embedded with a chip, this ForexPlus card offers you a convenient and secure way to carry your Forex. With the ISIC HDFC Bank ForexPlus card you can shop anywhere in the world.
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In what size and shape are the Mudra pure Gold Bars available

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Mudra Pure Gold bars are available in rectangular form.
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How do I activate e-commerce on my card

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Follow 2 simple steps: Step 1: Log on to Prepaid Card Net Banking. Step 2: Enable your e-commerce transaction facility to make purchases.
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Do I need a guarantor for Pre-owned Car Loans

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No, but if your income does not meet our credit criteria, then you may be required to have a guarantor to stand surety for your loan.
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Are there extra charges NRO Debit Card

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There are absolutely no transaction charges when using your card at a merchant location. Just remember that at petrol pumps and railways you will be charged as per industry practice.
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What are the documents required to open a salary account

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To open a Salary Account you have to: Submit your identity proof and address proof along with your latest passport size photographs Proof of employment (Company ID Card / Appointment letter / Company Introduction through Introduction Letter OR attestation on Account opening form) Submit self-attested copies and originals for verification View more
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Can a non-traveller purchase ForexPlus Card

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No. ForexPlus Cards can only be issued to travellers. A ForexPlus Card is valid for making payments in countries other India, Nepal and Bhutan whenever you are using your card you must be present at the place of transaction and have to sign the charge slips. As you are a non-traveller you cannot be present at the time of the transaction processing. Hence, ForexPlus Platinum Cards cannot be issued to non-travellers.
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Can I have a Super Saver Facility and a Sweep-in Facility on the one Fixed Deposit

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This isn’t possible. You can only have one of these facilities on a single Fixed Deposit.
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How does a Salary Account help me get a personal loan

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You get a preferential rate of interest and processing fee, speedy processing and minimal documentation if you have a Salary Account with HDFC Bank. This is taken into account at the time of disbursal of the loan. You can pay through a Standing Instruction to debit your HDFC Bank account with the EMI amount.
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Will HDFC Bank buy back the gold sold by them

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HDFC Bank does not buy the gold sold by them.
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What should I do in the case of a void transaction Imperia Platinum Chip Debit Card

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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 .
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What if I don’t have sufficient balance in the wallet corresponding to currency of transaction

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If the balance in your wallet corresponding to currency of transaction goes down then your Card checks for balances in the other currency wallets and transaction is processed by debiting the currency wallet with sufficient balance by converting the wallet currency into the currency of transaction. In this case currency conversion charges are applicable. Please note that in such a scenario entire transaction amount would be debited from currency wallet with sufficient balance.
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What are the tenure options

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The choice is yours. You can choose from any of our repayment options - 12, 18, 24, 30, 36 or 48 months, all specially designed to suit your requirements.
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Can an investor give a COA (Change of Address) along with a redemption request

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Redemption request is given to the investor service centre while the change of address (if KYC process has been previously completed) has to be given to a KRA. The change of address will be effected by CVL and informed to the Mutual Funds. As it will take 10 days for this process to be completed, the redemption transaction accompanied by a change of address request, is likely to be processed without effecting the change of address request.
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How do I obtain a NOC from the bank for settling a partial loss Insurance Claim for a vehicle under finance with HDFC Bank

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You may obtain the NOC to settle the partial insurance claim in your favour, provided there are no outstandings to your loan account, by visiting any of our Retail Loan Service Center and submitting the following documents: Request form for applying for the required NOC. Original Insurance Policy(will be returned back to you at the centre, post validation). Copy of the Insurance Policy, duly self attested by you. Claim Voucher provided by Insurance Company Applicable fee of Rs. 500/- vide a cheque/payorder/demand draft favouring “HDFC Bank Ltd Loan Account No. << >>. In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer, i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided. Note, for Total Loss, Claims will be settled in favour of the Bank to close the loan based on the Loan Pre-Termination Statement as on the date of request and in case of any excess claim received from the Insurance Company, a refund will be made favouring the customer. View more
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Is there any protection cover in this plan

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Yes. In case of the Life Assured’s unfortunate demise, the nominee will receive the higher of the following: Sum Assured, Fund Value, 105% of the premium(s) paid. The Sum Assured for your policy will be as follows: Single Premium 125% of Single Premium Regular & Limited Premium (Age at Entry <= 55 years) 10 x annualized premium Regular & Limited Premium (Age at Entry > 55 years) 7 x annualized premium
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What is Critical Illness Insurance

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Critical Illness Insurance is a policy that pays out a lump sum amount up to the sum insured upon diagnosis of a critical illness covered under the policy.
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What is the difference between Income and Income Plus Option

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On the death of the Life Assured under Income Option, 10% of the death benefit is paid as lump sum upon death and the remaining 90% of the death benefit shall be paid as monthly income over next 15 years. On the death of Life Assured under Income Plus Option, 100% of the death benefit is payable as a lump sum benefit and a monthly income of 0.5% of sum assured is paid for 10 years. Also in this option, there is an option to choose Level Income or Increasing Income.
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How do I make my premium payments

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This is an annual policy, where the premium can be made via Credit Card or Cheque
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What is the Policy Term available in this plan

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Capital Shield provides a Policy Term of 10 years.
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Can the value of the Card be topped up

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Top-ups or reloads can be carried out in 2 ways a) You can authorize the Bank to debit your account by giving an HDFC Bank cheque, cash or a local cheque drawn on HDFC Bank to reload the Card. b) The Card can also be reloaded by another person, authorized by you to reload your Card. The authorized person will need to visit the HDFC Bank branch with the money and will need to provide the necessary documents to the bank. On receipt of the application form and the funds, your Card will be reloaded with the desired amount.
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Can I cancel/ modify my bid placed under ASBA during the bidding period

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Yes, you can place a cancellation request or modify your order anytime during the bidding period. After successfully processing your cancellation request, the money will be unblocked in your bank account. For more information visit www.hdfcsec.com or get in touch through email on
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How long can I take to repay my personal loan

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We offer flexible repayment options ranging from 12 to 60 months, depending on the customer’s profile.
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Do I need a co-applicant for the loan (Education Loans For Indian Education)

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Yes a co applicant is required for all full time courses. Co-applicant could be Parent/ Guardian or Spouse/ Parent-in-law (if married)
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What are the fees & charges applicable

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You may refer to the Fees & Charges option under the product Loan Against Property and Loan Against Rental Receivables.