haiderullah2174/bankfaq huggingface dataset:
user
What is ISIC HDFC Bank ForexPlus card

assistant
ISIC HDFC Bank ForexPlus Card is a magnetic strip based prepaid card introduced in partnership with MasterCard International. The card offers you a convenient and secure way to carry forex. This card offers you the freedom to shop anywhere in the world and provides access to the currency of your destination at competitive market rates. It can be used at all MasterCard ATMs and Merchant establishment worldwide. This card cannot be used for making payments in India, Nepal or Bhutan.
user
What are benefits of Payzapp for business

assistant
Payzapp for business is arevolutionary invoicing solution by HDFC Bank which enables start-ups to request and receive payments on the go. Ideal for all start-ups who need to collect Payment on delivery / Advance payment / Balance payment / On-field collection. Benefits to Start-ups – - Instant flow of money to start-ups account - Convenient and Secure Money Transfer - No hassles of Cash Management
user
What does 'Moratorium Period' mean (Education Loans For Indian 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 are the authorization scenarios

assistant
When the card holder performs a payment transaction, the debit would take place on the priority as per the grid provided belowScenario 1 - If the customer has local currency (depending on country of transaction) wallet with sufficient balance then the transaction will be processed using the balances on the local currency walletScenario 2 – If the local currency is part of the offered multiple currencies on the card but customer does not have sufficient balance in local currency wallet, however if the customer has sufficient balance (equivalent to local currency) on default currency wallet (EUR) then the transaction will be processed using the balances on the default currency wallet. Value from the default currency will be converted to local currency using cross currency conversion rate decided by the Bank. This rate will be calculated with a 2% markup on the IBR cross currency rateScenario 3 – If the local currency is part of the offered multiple currencies on the card but customer does not have sufficient balance in local currency wallet as well as default currency wallet (EUR) however if the customer has sufficient balance (equivalent to local currency) on any other currency wallet then the transaction will be processed using the balances from the respective currency wallet. The card will look for balances across all the currency wallets in following order of priority as decided by the Bank1. EUR2. GBP3. AUD4. CAD5. SGD6. AED7. JPY8. CHF9. SEK10. HKD11. THB12. ZAR13. NZD14. OMR15. DKK16. NOK17. SAR18. MYR19. KRW20. BHD21. QAR22. KWD23. USDValue from the respective currency will be converted to local currency using cross currency conversion rate decided by the Bank. This rate will be calculated with a 2% markup on the IBR cross currency rateScenario 4 - If the customer transacts in currency which is not offered on the card, the transaction will be processed by debiting default currency (EUR) wallet. Cross currency conversion would take place as per existing Visa / MasterCard rates (3%) applicable for single currency cards. In case the default currency wallet does not have sufficient balance then funds would be pulled from wallet with sufficient funds and converted to the default currency using Bank’s currency conversion rate. Partial transactions in different currency wallets are not allowed. If the customer does not have sufficient balance to process the transactions individually in any of the currency wallets, the transaction is declined even if the collective balances on the card across all currencies is sufficient to process the transaction
user
Are there any specific exclusions under a Motor Policy

assistant
The following are not covered under a Motor Policy: Wear and Tear Mechanical or Electrical Breakdown, failure Depreciation, any consequential loss Driving under the influence of liquor or drugs Loss or damage attributable to war, mutiny, nuclear risks Any contractual liability View more
user
Does HDFC SL offer Unit Linked plans within its entire range of Children’s Plans

assistant
Yes, the plan name is HDFC Young star super premium plan.
user
Can a Company ID card be accepted as a Photo ID document (Basic Savings Bank Deposit Account - Salary)

assistant
No, a Company ID cannot be accepted as a Photo ID document. A government issued photo ID card is mandatory.
user
How can you transfer your Savings Account from one branch to another

assistant
Following is the process to be followed to transfer your account from one branch to another: An account transfer form, signed by all applicants, given at any of our branches. We recommend that you submit the form at the branch that you want your account transferred to. There will be no change in your account number. You can continue to use your existing chequebook, debit card etc
user
If I don’t have an account with HDFC Bank, can I still avail of loans

assistant
Yes, you can get an HDFC Bank Two Wheeler Loan. You need not necessarily have an account with us.
user
What if I forget or lose the activation code

assistant
You will have to enter your HDFC Bank Multi Currency ForexPlus Platinum Card number and other requisite details on the HDFC Bank Prepaid card NetBanking login page. After you fill the requisite details your activation code will be sent to you on your registered email account.
user
What happens if premiums are not paid

assistant
If you have not paid your premium by the expiry of the grace period, you will have 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 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 applicableDiscontinuance 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 the first applicant for a Recurring Deposit be a minor

assistant
The first applicant can be a minor.
user
How long the Standing Instruction given will be valid

assistant
Please note that Standing Instruction to transfer any amount from your account to your Kid's Advantage account every month is a mandatory requirement for this account and is valid for a minimum tenure of 1 year. Post the same you need to submit a fresh request at nearest HDFC Bank branch to continue the standing instructions.
user
What are the timings for locker operations

assistant
You can plan your visit and access your locker on all working days during banking hours.
user
How can I check the balance on my HDFC Bank Regalia ForexPlus Card

assistant
You can check the balance of your Regalia ForexPlus Card with the help of Prepaid NetBanking facility. Alternately, you can also contact our Phone Banking services to check the balance on your Regalia ForexPlus Card. While in India, you may check the balances on HDFC Bank ATMs without any charge
user
What are the permissible credits from an RFC Domestic Account

assistant
As per the RBI directive, the following can be credited into an RFC Domestic Account: a) Received as pension or any other superannuation or other monetary benefits from his employer outside India; or b) Realised on conversion of the assets referred to in sub-section (4) of section 6 of the Act, and repatriated to India; or c) Received or acquired, as gift or inheritance, from a person referred to in sub-section (4) of section 6 of the Act; or d) Referred to in clause (c) of section 9 of the Act, or acquired as gift or inheritance therefrom. View more
user
How many salary credits are required in my existing account to qualify for SmartDraft

assistant
To qualify for SmartDraft you need a minimum of 3 salary credits.
user
I'm not a traveller, can I still benefit from the Hajj Umrah ForexPlus Card

assistant
The Hajj Umrah ForexPlus Card is designed only for overseas travellers, and cannot be issued to non-travellers.
user
How do I top-up the value of my card when I am abroad

assistant
ISIC HDFC Bank ForexPlus Card can also be loaded on your behalf by someone authorized (blood relatives only) by you. Authorised person has to visit HDFC Bank branch with the necessary documents and funds. We’ll take care of the rest. You can reload your ISIC ForexPlus Card 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 (blood relatives only) 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 or HDFC Bank NetBanking.
user
How can I register for VBV/SC if my mobile number / Email ID is not updated in my Credit Card records with the Bank

assistant
You will have to first have the details updated in our system by calling our Customer Care Centre, and attempt to register later. The same will apply if there is a recent change in your mobile number.
user
Who should opt for an education loan and why

assistant
Usually, middle-income group people apply for education loans. However, because of: Rapidly rising costs of education Income tax benefit under 80 E of IT Act Students wanting to take their own financial responsibilities to preserve the parents savings build positive credit history Even affluent families are going for education loan
user
Will both the principal and interest amount of my Fixed Deposit be considered

assistant
Just the principle amount of your Fixed Deposit is considered.
user
What is the minimum balance required for an Institutional Current Account

assistant
No minimum balance requirement.
user
What should I do if my Multicurrency Platinum ForexPlus Chip card has expired but there is an unutilised balance on the card

assistant
If your Card has expired before all funds have been utilised, you can contact HDFC Bank PhoneBanking or any of our HDFC Bank branch for placing a refund request of the un-utilised balance. In case you wish you get a replacement card, you can place a request at any of our HDFC Bank branch
user
What is HDFC Bank ForexPlus Platinum (Chip) card

assistant
HDFC Bank ForexPlus Platinum (Chip) card is an embedded chip based Prepaid card introduced in partnership with VISA International. It offers you a convenient and secure way to carry your Forex. This card gives you the freedom to shop anywhere in the world and provides access to the currency of your destination at competitive market rates. It can be used at all VISA ATMs and Merchant Establishments worldwide. This card cannot be used for payments in India, Nepal or Bhutan.
user
Can be the Travel Insurance policy be cancelled

assistant
The policy may be cancelled via request on email/fax, only if the journey has not commenced subject to premium retention of Rs. 250 (including Service Tax). A copy of the insured’s passport has to be submitted as proof. Any request for cancellation will be entertained not less than 14 days after the first date of insurance as indicated in the policy schedule.
user
What does Medical Repatriation and Evacuation cover under Travel Insurance

assistant
Emergency Medical Evacuation means the arrangement for transportation required to move an insured to the nearest hospital and Medical Repatriation means the arrangement for transportation required to move an insured to his/her country of residence following an emergency.
user
What should I do in the case of a void transaction

assistant
Just fax us a copy of the void transaction slip. You can send it to one of our PhoneBanking numbers or your nearest HDFC Bank branch.
user
How can I make a request to foreclose my Loans Against Rental Receivables 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 is the minimum balance required for an Ultima Current account

assistant
You need to maintain an Average Quarterly Balance (AQB) of Rs. 20,00,000 in your Ultima Current account.
user
Why should I invest in SIP's right now

assistant
The current scenario in the equity market is dominated by negative sentiment, which has led to fundamentals being ignored. This scenario has created volatility in the markets and uncertainty of future outlook. The prudent way to invest in this scenario is to benefit from the volatility and this can be done by investing through SIP’s. A monthly SIP helps in averaging out the cost of purchase and benefit from the power of compounding. It also helps in creating wealth over a longer time period. The current investment scenario is still dominated by negative sentiment. This creates volatility in the markets due to confused minds of the investors. Such volatility makes it difficult to capture the market movements and most people end up losing money with the intention of timing the markets. Also investing a lump sum in one shot might lead you to miss out on market opportunities. The tool to beat such a scenario is investing through a Systematic Investment Plan.
user
What is the Home Insurance premium charged for fire and special peril cover and burglary and theft cover

assistant
The premium charged is Rs. 70 per Rs. 1 lakh for fire and special peril and Rs. 240 per Rs. 1 lakh for burglary and theft.
user
Can I do a partial withdraw from my fund

assistant
You can withdraw money from your funds to meet any future financial emergencies. Lump sum partial withdrawals can be made from your funds after 5 complete policy years, provided the Life Assured is at least 18 years of age.
user
Is employment confirmation mandatory for me to open a Defence Salary Account

assistant
Yes, employment confirmation is required to ensure that you are an employee of the company.
user
Who can trade in derivatives with an HDFC Securities Trading Account

assistant
Trading in Derivatives will be available only to those customers who have submitted their financial documents or income proof and signed the necessary agreements. For more information click here. For more information visit www.hdfcsec.com
user
I have renewed my passport with new number. Do I need to update my new Passport number in my ForexPlus Chip Card

assistant
Yes, We request you to get in touch with nearby branch along with original & copy of your passport to get the new passport number updated in the bank's records. Passport number is key validation criteria to check caller authenticity when you contact our 24 x 7 PhoneBanking service, hence it is recommended to update Passport number at the earliest.
user
Is priority in allotment given to applications bid under ASBA facility

assistant
There is no differentiation between the allotment of shares applied through ASBA or Non- ASBA.
user
What is a Motor Insurance cover note

assistant
A cover note is a temporary insurance document establishing proof of Insurance with which you can register your vehicle. A cover note is valid for 60 days from the date of its issuance and is replaced by an Insurance policy.
user
What all is the loan for – study and stay or just study

assistant
Education loan is normally taken for financing Tuition fees, living expenses (hostel etc.), books and periodicals and sometimes traveling
user
Who can apply for ASBA

assistant
The following investors are eligible to apply through ASBA: In public issues: Investor from any of the approved category eligible to apply in IPO as per SEBI guidelines. Investor who has a Savings Account or Current Account with HDFC Bank Investor who has a Demat Cccount with any DP along with a valid Permanent Account Number (PAN). Investor has sufficient clear credit balance in his/her Savings or Current account (NOT including overdraft limit) In rights issues: Any shareholders of the issuer company, as on the record date, provided he/ she: holds shares in dematerialised form and has applied for entitlements and /or additional shares in the issue in dematerialised form; has not renounced his/ her entitlements in full or in part; is not a renouncee to the Issue; is from any approved category eligible to apply in IPO as per SEBI guidelines. has a Savings Account or Current Account with HDFC Bank has a Demat account with any DP along with a valid Permanent Account Number (PAN). has sufficient clear credit balance in his/her Savings or Current account (NOT including overdraft limit) View more
user
Does this the Revive Policy for Personal Accident have hospital cash benefit

assistant
Yes, hospital cash provides a benefit of Rs. 250 every day up to a maximum of 30 days in case of hospitalization due to an accident.
user
How much am I charged for this service

assistant
A quarterly maintenance charge is applicable to hold an Investment Services Account. We request you to contact your RM / Personal Banker or nearest HDFC Bank Branch for details.
user
What is HDFC Life New Immediate Annuity Plan

assistant
The HDFC Immediate Annuity is a contract that uses your capital to provide you with a guaranteed gross income throughout your lifetime or over a period of your choice. This is the perfect way to plan for your expenses after your retirement. This means you can plan your life the way you want it to be, safe in the knowledge that your gross income will not fall during the period you have selected. This is the perfect way to plan for your expenses after your retirement. The HDFC Immediate Annuity plan offers a number of options to meet all your income needs.
user
So how do I get the Loan against Car

assistant
To get the Loan against Car, just fill the Online Application Form and our representative will get in touch with you shortly. Or you can also Call us or Visit our branch.
user
Can I repay the loan earlier for Professionals Loan

assistant
Yes, you can choose to repay your loan anytime after 06 months of taking the loan and after you have paid 06 EMIs along with applicable foreclosure charges. Please note Loan can be foreclosed by issuing a Demand draft / cheque at the branch; kindly note that cash beyond Rs. 49000/- will not be accepted for loan repayment against full closure/matured loan closure payment. Any payment above Rs. 49000/- should be made vide Account payee Cheque / Pay order /Demand draft.
user
I don’t want to wait till 60 years for retirement. Is there a way out

assistant
This plan has a minimum vesting age of 45 years only, which would help to plan for an early retirement. You don’t need to wait till 60 years of age. However, once you have fixed your vesting age, it is recommended that you continue for the entire term.
user
Is there a usage limit

assistant
Rs 10,000 per transaction for cash withdrawals No usage limit on POS usage
user
What are the benefits available under Income option

assistant
This option provides the nominee with a Lump sum benefit and a regular stream of level/ increasing monthly income on death of Life Assured. The customer has to select this Lump sum benefit, amount of monthly income, income term for which the income payout will happen (up to 20 years) and a simple rate of increase in income.
user
Would I have to go for any medicals

assistant
No, there would not be medical tests involved with this plan.
user
How much can I borrow

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You can take a loan ranging from Rs. 50,000 to Rs. 15,00,000, depending on your income and repayment capacity. You can club your spouse’s income if you want to get a bigger loan.
user
What will happen if I try to register again & generate an OTP within 2 hours

assistant
You will get a pop-up message stating Your earlier request is being processed. If you do not receive your OTP within 2 hours, please try again later. Only on expiry of the OTP generated through an earlier request, you can register again to generate a new OTP.
user
What do I need to submit to place an IPO/NCD order with my HDFC Securities Trading Account

assistant
Once you are registered with HDFC securities, you can successfully place an IPO/NCD order online or Call ‘N trade. No filling of any form or any documentation is required for a registered customer.
user
What is meant by a ‘With Profits’ plan

assistant
‘With Profits’ plans are plans where the premiums are invested in the ‘with profit’ This fund invests in a variety of assets to earn returns on your policy, which are shared with the policyholder’s in the form of bonuses which are declared annually. And once declared these bonuses are guaranteed.
user
What is the mode of repayment for student loan in India

assistant
You have the option of repaying the loan through a Standing instruction, 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 post-dated cheques.
user
Will I get a renewed Revive Policy for Personal Accident policy

assistant
Yes, you will receive a renewed policy.
user
What is the minimum Loan value

assistant
The minimum loan value is Rs. 2 Lakhs.
user
How can I prematurely liquidate my recurring deposit

assistant
If you wish to prematurely liquidate your Recurring Deposit. We request you to submit your Recurring Deposit advice or written instruction, duly signed by all account holders, at the branch for premature liquidation of your Recurring deposit. Alternatively, you can liquidate your Recurring Deposits through NetBanking. This facility will be available for Recurring Deposit held under Sole Owner (SOW) relationship only and which are booked from Singly Owned Savings or Current Accounts. Following are the steps for liquidating your Recurring Deposit online: Login to NetBanking with your Customer ID and IPIN (NetBanking Password) Select Liquidate R D option under the Recurring Deposit menu from the Menu bar located on the left hand side, under Accounts tab. Select the Recurring Deposit account number from the Drop-down lists, and click on Continue. Verify the details and Confirm the Liquidation. A Confirmation page will be displayed, confirming that your Recurring Deposit has been liquidated. Additional Information - If your Recurring Deposit is broken prematurely, the interest rate applicable for premature closure of deposits will be lower of The base rate for the original / contracted tenure for which the deposit has been booked OR The base rate applicable for the tenure for which the deposit has been in force with the Bank The base rate is the rate applicable to deposits of less than Rs.15 lacs as on the date of booking the deposit. In case of premature closure within a month, no interest shall be paid out & only principal amount shall be returned. View more
user
What is the exclusion in the plan

assistant
In case of death due to suicide, within 12 months from the date of inception of the policy, the nominee of the policyholder shall be entitled to 80% of the premiums paid provided the policy is in-force or 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 death of death.
user
What do I need to do to open a joint account

assistant
The Reimbursement Account has to be in the same order as your Salary Savings Account. In case your Salary savings account is a joint account then a separate introduction is not required and you only need to add the name in the (Account Opening Document) AOD.
user
What currencies are available

assistant
Currencies offered:Saudi Riyal (SAR)
user
Are my property documents safe with HDFC Ltd.

assistant
HDFC offers in-house scrutiny of property documents for your complete peace of mind. So be assured that your property documents are in safe hands.
user
How should I apply for a duplicate NOC/ closure letter

assistant
(Loans Against Rental Receivables)We request you to visit our nearest Retail Asset Branch along with a written request for a duplicate No Objection Certificate (NOC) and your photo identity proof.
user
Are there transaction limits for Debit Card

assistant
A daily ATM limit of Rs. 25,000 for withdrawals, and Rs. 1,25,000 at merchant establishments .
user
Do I need to activate Regalia ForexPlus Card for Ecommerce transactions

assistant
Your Regalia ForexPlus Card is pre-activated to perform Ecommerce transactions once your card is loaded with the Forex currency required.
user
What is the process of application for Rights Issue under ASBA

assistant
An investor, who has received the common application form from the registrar of the company floating the rights issue, has the option of applying through ASBA at any designated branch of the Bank. Rights issue is not available in NetBanking facility.
user
Why is the principal amount and the fixed deposit maturity amount of my Fixed Deposit the same

assistant
When your Fixed Deposit is booked with the quarterly / monthly interest pay out option, the maturity amount is the same as the principal amount. The interest amount will be credited to your account at quarterly / monthly intervals.
user
Do we have any loading on pre-existing ailments

assistant
Yes, there were will be loading on pre existing ailments which will be arrived at after health check up of the customer. Acceptance of the proposal will be subject to medical underwriting.
user
How can I avail of Global Customer Assistance Services (GCAS) for my HDFC Bank Multi Currency ForexPlus Platinum Card

assistant
You can call The following Toll free numbers for visa GCAS United States: 1-866-765-9644, United Kingdom: 0800-169-5189, Australia: 1800-450946, Canada: 1-866-639-1911, France: 0800-904349, Germany: 08001822891, Singapore: 800-4481- 250, Hong Kong: 800-900-782, Japan: 00531-44-002 Alternatively, you can place a collect call through your local operator to +1 443 641 2004 Or for Country wise VISA call center numbers click the following link << Visa Global Customer Assistance>>
user
What should I do in the case of a void transaction for Titanium Royale 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 documents should I submit when I purchase the HDFC Bank ForexPlus card

assistant
HDFC Bank Savings / Current account holders need to just submit completed application form, copy of ticket or the Visa and form A2 (or any other documentation as mandated under prevalant FEMA guidelines)If you don't have HDFC Bank Savings / Current account, you need to submit completed application form, copyof ticket or the Visa and form A2 (or any other Forex documentation as mandated under prevalant FEMA guidelines) as well as a Photocopy of your valid Passport.
user
Can funds be credited to an FCRA account simply after the account is opened

assistant
No. Funds can be credited to the FCRA account only after the approval from Ministry of Home Affairs (MHA) is received for that account. Till then, the account will be blocked.
user
How much tax do I have to pay

assistant
The interest income from the bonds is taxable. TDS is deducted at the time of interest payment as per the prevailing IT rules.
user
What are the tenure options for Pre-owned Car Loans

assistant
The choice is with you. You can choose from any of the 5 well-placed repayment option of 12,24,36,48 or 60 months all specially designed to suit your requirements.
user
Are there any transactions for which this Card should not be used

assistant
Yes, your Multicurrency ForexPlus Platinum card should not be used towards temporary charge blocks - e.g. paying deposits at hotels, hiring of cars etc. Incase you have paid these deposits using ForexPlus Platinum Multicurrency card and the hotel/car rental agency etc. settles the transaction for an amount lesser than the amount blocked or you make final payment through any different mode, the balance amount will get credited into your account only after 30 days from the transaction date. Note: The Bank reserves the right to charge the Card holder for any unauthorized amounts.
user
Can a Fixed Deposit be linked to two different Savings Accounts for the Sweep-in

assistant
A Fixed Deposit can only be linked to one savings account for the Sweep-in facility.
user
If the money is not credited successfully, will the remitting customer get the funds back

assistant
With RTGS, the receiving bank should credit the account of the beneficiary instantly. If for some reason the money cannot be credited, the receiving bank has to return the money to the remitting bank within 1 hour. As soon as the money is returned, the original debit entry in the customer's account is reversed.
user
What is the minimum premium that needs to be paid

assistant
Minimum premium amounts for various premium payment frequencies are as follows: Single: Rs. 24,000 Annual: Rs. 24,000 Half-yearly: Rs. 12,000 Quarterly: Rs. 6,000 Monthly: Rs. 2,000
user
What if I forget my ATM PIN

assistant
Customer can reset ATM PIN by following the below steps: Login to Prepaid NetBanking using IPIN Select My Request ->Set ATM PIN -> Selects the Active Card (Radio Button) Answer the secret question. Mention DOB, Card Expiry and submit Enter the new ATM PIN to be set and finally submit. You will then get an SMS / email alert on your registered mobile number / email address
user
In how much time will the IVR Password be delivered to my mobile phone/email ID

assistant
IVR 3D Secure password is delivered instantly. It takes less than a minute. However, network congestion could cause delay.
user
Who can purchase the HDFC Bank eGiftPlus Card

assistant
All HDFC Bank & non HDFC Bank Customers can buy HDFC Bank eGiftPlus Card Purchase Limit per card For HDFC Bank: Rs.50,000 & Non-HDFC Bank customers: Rs.10,000
user
Can the value of the card be topped up

assistant
Yes, your ForexPlus Chip 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
Is there any death benefit under this product

assistant
There is no death benefit payable under this product.
user
What is the premium frequency available under policy

assistant
The premiums can be paid annually, half-yearly, quarterly and annually
user
Can I repay the Personal loan earlier

assistant
Yes, you can choose to repay your loan anytime after 12 months of taking the loan and after you have paid 12 EMIs along with applicable foreclosure charges. Please note Loan can be foreclosed by issuing a Demand draft / cheque at the branch; kindly note that cash beyond Rs. 49000/- will not be accepted for loan repayment against part prepayment/ full payment / matured loan closure payment. Any payment above Rs. 49000/- should be made vide Account payee Cheque / Pay order /Demand draft.
user
In case of existing investors, when and how will the KYC norms be introduced

assistant
KYC norms are applicable to all investors. It is in the interest of all investors to obtain KYC Acknowledgement and submit it to the Mutual Fund to avoid any inconvenience in the future.
user
While trying to register my card, I am getting the error message stating mobile no. mismatch, what could be the reason

assistant
Please enter the mobile no you have updated in our system, In case there is a change in the number, Please contact our Customer Care Center and update the same.
user
How Interest Rate is calculated for premature withdrawal of Recurring Deposit

assistant
If your Recurring Deposit is broken prematurely, the interest rate applicable for premature closure of deposits will be lower of The base rate for the original / contracted tenure for which the deposit has been booked OR The base rate applicable for the tenure for which the deposit has been in force with the Bank The base rate is the rate applicable to deposits of less than 1crore as on the date of booking the deposit. In case of premature closure within a month, no interest shall be paid out & only principal amount shall be returned. View more
user
Who can open an RFC Domestic Account

assistant
Any person who is a resident Indian can open an RFC Domestic account, as long as the foreign exchange earned is in line with the permissible credits as defined in the RBI circular.
user
What are the documents required to open a New Savings Account

assistant
In order to open a new Savings Account, simply walk into the nearest HDFC Bank and speak to a customer service executive. Remember to carry the following documents (original for verification and self-attested copies for submission): Identity Proof Address Proof Latest passport size photographs Click here to see the List of valid identity/addres proof.
user
Can I take any loan

assistant
Policy loan is not offered in this plan
user
I have renewed my passport with new number. Do I need to update my new Passport number in my ForexPlus Platinum Card

assistant
Yes, We request you to get in touch with nearby branch along with original & copy of your passport to get the new passport number updated in the bank's records. Passport number is key validation criteria to check caller authenticity when you contact our 24 x 7 PhoneBanking service, hence it is recommended to update Passport number at the earliest.
user
Can I renew other insurer policies with HDFC ERGO online

assistant
Yes. You just have to log on to www.hdfcbank.com and provide minimum details of your expiring policy and buy an HDFC ERGO Motor Insurance policy online. Also avail benefits of the No Claim Bonus earned by you in full.
user
Can I use the card to withdraw cash

assistant
No, it cannot be used for cash withdrawls at ATM.
user
What are the minimum docs required to open a Institutional current account

assistant
Non-individual (Current account) AOD to be completed Registration proof with any state regulatory authority ORCertificate of Registration with the Local Charities Commissioner (for charitable trusts) Certified Copy of the Trust Deed / Bye-laws /MOA /Constitution Proof of address of the institute Certified Copy of the Resolution from Board of Trustees defining who is going to be the authorized signatories in the account / authorizing the opening & conduct of the account Proof of appointment of present Trustees/Governing Body members in case they are not listed in the Trust Deed/Bye-laws Pan Card/Form 60/No Pan declaration as may be applicable FCRA declaration Beneficial Ownership declaration (only for Trusts & Association of Persons) Photograph & proof of identity of all authorized signatories
user
How can I apply for the Super Saver Account

assistant
You can apply for the Super Saver Account in the following ways: Apply through a branch: To apply for the Super Saver facility through a nearest branch, please submit a duly signed written instruction at the nearest branch. You may visit the following URL to access information for the complete address and contact details of our Branches. Apply by calling us: You may access information about our PhoneBanking numbers. Apply online: To apply online for Super Saver Facility, please follow steps mentioned below: Login to your NetBanking account and click on “Fixed Deposit Super Saver option located under fixed deposit of the web page. Select the savings account number and the fixed deposit account number that you wish to link for Super Saver Facility from the drop down Accept the terms and conditions by checking the box available for the same. Click on Continue and Confirm. Please note the following details with regards to the online facility. Only customers with SOW (Single Ownership) relationship with both accounts and Fixed Deposits can link them under Super Saver Facility A minimum amount of Rs. 25,000 for a minimum tenure of 6 months 1 day is required to open a super saver account apart from a zero balance Savings Account In case of a Super Saver facility a lien is marked on the Fixed Deposit in favor of the Bank On Auto renewal of the Fixed Deposit, the quantum of the Overdraft limit will remain unchanged Through this facility, a 75% of your Fixed Deposit Principal amount will be granted as an Overdraft facility The rate applicable on the Overdraft facility will be 2% per annum over and above the Fixed Deposit Rate In case of premature liquidation of the Fixed Deposit, against which the Overdraft has been taken, the rate applicable on the overdraft utilized will remain unchanged In case the overdraft limit (Super Saver) set-up on the account is not removed prior to the maturity of the Fixed Deposit, the Bank shall auto-renew the Fixed Deposit for the same tenure at prevailing rates In case you choose any Sweep-in Fixed Deposit to link to a Super Saver facility, please note that a lien will be marked on the said Fixed Deposit for the Super Saver facility. This will mean that in future in case of shortage of funds, the sweep-in will not trigger, however, the Super Saver limit will be utilized. In case you have 2 separate deposits which you have linked to your SB account - a sweep in FD and a Super saver limit, then in case of shortfall of funds, first the OD amount will get utilized and if the shortfall still remains, then the sweep in shall trigger. View more
user
What is the time limit to submit the form at a designated HDFC Bank branch

assistant
The bidding time will be the same for ASBA and non-ASBA applications. However, the application needs to be submitted to the designated branch during banking hours and before 1 PM on issue closure date.
user
Can I use Verified by Visa/ MasterCard SecureCode from any other computer

assistant
Yes, you can use Verified by Visa/ MasterCard SecureCode from any computer that has an Internet connection and Internet Explorer, 5.0 and above or Mozilla Firefox 1.5 and above or Netscape Navigator 8.1 and above.
user
HDFC Life APP is a ULIP Plan. Why don’t I get to choose the funds in this plan

assistant
HDFC Life APP provides you a guarantee (between 101% -135%) of the premiums paid. This is why the choice of funds are predefined as per the Equity Backing Ratio and is not available for customised allocation by customers.
user
What are the exclusions available under the Plan

assistant
In case of death due to suicide within 12 months from the date of inception of the policy or from the date of the revival of the policy, the nominee or beneficiary of the policyholder shall be entitled to the fund value, as available on the date of death.Any charges recovered subsequent to the date of death shall be paid back to the nominee or beneficiary along with the death benefit. For detailed exclusions for the plan options please refer to product brochure carefully and/or consult Relationship Manager.
user
How long will it take for my Professional loan to be processed

assistant
Once you submit your application form and the required documents as per Bank''s criteria, you can expect our approval and disbursal within 7 working days, provided everything is in order. All loan approvals are at the sole discretion of the bank.
user
Whom should I contact if my Card is lost or stolen

assistant
You can contact the below mentioned Customer Care number 022-33271010 or e-mail
user
How can I apply for the Sweep-in facility

assistant
To apply for the Sweep-In facility, you can login into your NetBanking account and apply online. This facility is available on NetBanking to Sole account holders (Single owners) only. Others can submit a request at nearest Branch. To apply online for Sweep-In Facility, please follow steps mentioned below: 1. Login to your NetBanking account and click on Fixed Deposit Sweep-in option located under fixed deposit of the web page. 2. Select the savings account number and the fixed deposit account number that you wish to link for Sweep-In Facility from the drop down 3. Accept the terms and conditions by checking the box available for the same. 4. Click on Continue and Confirm. Additional Information: Sweep In facility is not given for the below Fixed Deposits Fixed Deposit amounts greater than 1 Crore For availing Sweep-in facility on Fixed Deposits of value Rs 15 Lakhs and above, the customer will have to contact the nearest HDFC Bank Branch. Fixed Deposits with Lien marked: Fixed Deposits which have a lien / an overdraft limit set up; sweep-in on the said Fixed Deposit will not be maintained. Incase multiple deposits are linked for the Sweep-In facility, the first deposit to be encashed will be the deposit which was opened first. To discontinue this facility, once applied for it, you will have to contact the Branch. You may visit the URL to access information for the complete address and contact details of our Branches as well as our PhoneBanking numbers: View more
user
Is emergency financial assistance provided under Travel Insurance

assistant
A financial emergency is a situation where the insured loses all or a substantial amount of his/her travel funds due to theft, robbery, mugging or dacoity. Under this benefit the insured is provided with Emergency Cash Assistance up to the limit stated in the Policy. This assistance is provided by the company through a service provider.
user
If I change my address/Bank account /Nomination, what do I need to do

assistant
For all changes in account profile, or bank account linked for purchases or redemptions, contact the nearest branch and fill in a form to get the change done.
user
What is the premium frequency available under the policy

assistant
The premiums can be paid annually, half-yearly, quarterly and annually
user
Is there any option available for monthly payout

assistant
Yes the plan provides the option to the policyholder to receive the future payouts monthly instead of yearly. In such cases, the monthly payout shall be 8% of the annual payout.
user
How is a Merchant Advantage Plus Current Account different from a Regular Current Account offered by most banks

assistant
A Merchant Advantage Plus Current Account offers you the following privileges: Free limit for cash deposits up to four times the amount swiped at the HDFC Bank EDC machine linked to your Merchant Advantage Plus Current Account Free inter-city clearing between HDFC Bank branch locations (except Dahej) up to Rs.50 Lakhs per month Free and faster collection of outstation cheques at HDFC Bank locations Free RTGS and NEFT transactions Free BillPay and InstaAlerts Free Regular and Business Debit Cards These privileges make a Merchant Advantage Plus Current account different from a Regular Current account. View more
user
How should the gold loan be repaid

assistant
The best thing about Loan against Gold is that only servicing of the interest is required. Monthly out flow as low as Rs 1000 per lakh calculated basis indicative rate of 12% p.a
user
What is the Death-Benefit under the plan

assistant
The table below captures the available death benefits during the policy term under various options. Death Benefit Options Death Benefits Classic Basic Death benefit + accrued Guaranteed Additions + accrued Bonuses, if any Classic Waiver Basic Death benefit + Premium Waiver The table below describes each of the above benefits in detail. Basic Death Benefit The basic death benefit shall be the higher of: Sum Assured on Death 105% of Premiums paid 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 Premium Waiver All future outstanding premiums under the policy will be waived. The contract shall continue and the benefits as per Survival benefit and Maturity Benefit shall be available. For the purpose of computation of Death Benefit, the premiums shall exclude any underwriting extra premiums, any loadings for modal premiums and any taxes paid such as service tax and education cess. For more details on risk factors, terms and conditions, please read the Product Brochure carefully before taking a decision.
user
How does this card work

assistant
Your ISIC HDFC Bank ForexPlus Chip card will be activated with the required Euro / GBP and USD within 4 hours from the bank getting the clear funds from you. Once active, the card can be used at any international location for making payments at POS terminals or to withdraw cash at ATMs. (Usage of the card is not allowed in India, Nepal and Bhutan.) ISIC HDFC Bank ForexPlus Chip card works just like any Debit / Credit Card for making payments at Merchant Establishments that have an electronic terminal. The transaction amount is deducted from available balance on the ISIC ForexPlus Chip card. The ISIC HDFC Bank ForexPlus Chip card is accepted at all Merchant Establishments displaying the MasterCard symbol. The card can be used to withdraw cash at all MasterCard ATMs worldwide. Irrespective of the currency loaded on the card, the cash will be dispensed based on the currencies supported at the ATMs. Please ensure that you remember the PIN given to you with the card pack, the PIN is unique for every card and cannot be changed at any domestic or international ATM.
user
Do I need to provide collateral to avail of an education loan (Education Loans For Indian 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
What services I can avail on GCAS

assistant
You can avail the following services through GCAS: a) Report loss of card or hotlist your card b) Request for a Replacement Card c) Request for the requirement of Emergency cash View more
user
Are there charges I should know about Imperia Platinum Chip Debit Card

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

assistant
Deductible means the amount of a claim that has to be borne by the insured.
user
What are the age limits for this plan

assistant
The age limits for this plan include: Minimum Entry Age 8 years Maximum Entry Age 60 years Minimum Maturity Age 18 years Maximum Maturity Age 70 years
user
What is the mode of repayment

assistant
You have the option of repaying the loan through an ECS.