haiderullah2174/bankfaq huggingface dataset:
user
How do I transact in Mutuals Fund after completing the KYC process

assistant
You must attach your KYC Verified Print Out along with the Investment Application Form(s) while investing for the first time in a Mutual Fund. Application Forms not accompanied by a KYC print out are liable to be rejected by the Mutual Fund.
user
What is the Guaranteed Base Income under the plan

assistant
Guaranteed Base Income is expressed as percentage of the Sum Assured on Maturity. This guaranteed amount is known to you at the inception and payable at the end of each year during the payout period as per your chosen plan option. The percentages are as follows: Option Guaranteed Base Income as % of Sum Assured on Maturity Annual GBI Total GBI for entire premium payment term 1 12.5% 100% 2 10.0% 100% 3 12.0% 120% 4 10.0% 120% 5 10.0% 120% 6 8.0% 120%
user
I am already member of Times points, do I need to register again

assistant
If your e-mail ID in the existing registration on times point and the one given to HDFC Bank is same then you don’t have to register, however in case of different e-mail ID or no e-mail ID in existing Times Points account, you will be automatically registered on times points using your e-mail ID given to HDFC Bank and a confirmation mail will be sent to your email ID.
user
What are the different modes of loan repayment

assistant
Customer has option of Monthly, Bi-monthly, Quarterly & Haly yearly repayment options, depending on customer segment and product variant.
user
What is an accident

assistant
An accident is any sudden or unexpected event, which leads to permanent physical disability or accidental death.
user
Can you covert your existing saving account into a pension account

assistant
Yes. You just have to submit an undertaking and submit the required documents.
user
Is the gold imported

assistant
Yes.The gold is imported from an Internationally reputed supplier from Switzerland.
user
Do I need to pay any penalty on premature closure of Fixed Deposits

assistant
As per the Terms & Conditions of Fixed Deposit Accounts of the bank, the penalty on premature closure of Fixed Deposits, including sweep-in and partial closures, has been fixed by the Bank at the rate of 1% of the fixed deposit interest rate. This is applicable with effect from 24th January, 2011.
user
What is the procedure to follow if my Debit Card PIN is blocked

assistant
Please note that if you enter an incorrect PIN three times in the ATM, your access gets blocked for security reasons. It gets activated after 24 hours. Kindly use your Debit / ATM Card at the ATM after 24 hours with the same PIN available with you. If your account still remains inaccessible, please apply for new PIN. You can apply for regeneration of your ATM / Debit PIN in following ways: Fill-up the new PIN application form and submit it at any of our branches. On receipt of the form and successful verification, we will process a new ATM PIN and send it to your mailing address, as registered in our records. Submit a request at PhoneBanking, after validation with your Telephone Identification Number (TIN). For every PIN Regeneration request, charges of Rs. 50 + Service Tax + Educational Cess is applicable. For more details, Contact Us View more
user
Which are the offers I am eligible as a Times Debit Card holder

assistant
You will be able to choose one out of more than 20 welcome offers from leading e-com merchants in India. Additionally there will be more than 350 regular offers to avail at any point of time during the year. The minimum discounts on the offers would be 10% in addition to the merchants own discounts.
user
Can a chip card be used for online transactions

assistant
Yes the chip card can be used for online transactions. The JetPrivilege HDFC Bank World Debit Card has to be registered for 'MasterCard SecureCode’ which ensures safe online transactions after which the card can be used online.
user
Are all additions guaranteed

assistant
Yes, they are guaranteed to be paid for every completed policy term
user
Is loss of passport covered under Travel Insurance

assistant
Yes, loss of passport is covered in the policy. It is covered under the benefit of ‘Loss of personal documents’. The assistance provider helps the insured contact the consular authorities and arrange for its replacement in the case of loss of passport.
user
What is Times Points

assistant
Times points is a unique loyalty program which allows you to earn reward points for all your digital media usage (create/consume/share etc.) across digital properties of Times Internet Limited
user
What is the premium frequency available under policy

assistant
The premiums can be paid Annually, Half-Yearly, Quarterly and Monthly
user
What is the Settlement Option

assistant
In Settlement Option the Fund value is paid in periodical installments over a period which may extend up to 5 years. The value of installment payable on the date specified shall be subject to investment risk i.e. the NAV may go up or down depending upon the performance of the funds chosen by you. Your money will remain invested in the funds chosen by you and is subject to the same investment risks as during the policy term. During the Settlement period, the risk cover will cease, Fund Management Charge will continue to be deducted and no other charges shall be levied. Partial withdrawals and switches shall not be allowed during this period. Complete withdrawal may be allowed at any time during this period without levying any charge. At the end of this 5-year period, the balance units will be redeemed at the then prevailing unit price and the fund value will be paid to you.
user
Is the KYC acknowledgement a separate form or is it a part of the Mutual Fund application. Which of the forms require being time-stamped

assistant
KYC Acknowledgement is a separate form. Time stamping is not required on the KYC Acknowledgement.
user
How can I check the balance on my HDFC Bank ForexPlus Card

assistant
You can check the balance on ForexPlus card with the help of NetBanking facility. You will need to use the card number as user ID & IPIN issued to you as part of the card kit to login to NetBanking facility. Alternately, you can also contact our PhoneBanking services to check the balance on your ForexPlus card.
user
What documents need to be submitted when I make a claim under my Motor Insurance policy

assistant
You will need to submit a claim form along with the following: A copy of the vehicle's registration book A copy of the driving licence of the person driving the vehicle at the time of the accident An estimate of the repairs A copy of the police FIR/panchnama in case of theft or any third party personal injury/death or property damage If the vehicle is declared a total loss, either due to an accident or theft, you will also have to provide the following documents – RTO transfer papers, original RC book, original Insurance policy, the vehicle’s original keys, a No Objection Certificate from you to transfer of the vehicle, a letter of indemnity on judicial stamp paper and a letter of subrogation on judicial stamp paper.
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
What is the surrender benefit under the plan

assistant
If you surrender before completion of the 5th policy year, your Fund Value less applicable charges will be moved to If you surrender before the end of the 5 years from commencement of the policy, Your fund value (as on date of surrender) will be moved to the ‘Discontinued Policy Fund’ and will earn a minimum guaranteed return as specified by IRDA. The minimum guaranteed interest rate applicable to the ‘Discontinued Policy Fund’ shall be 4% p.a. Such rate may be changed in the future if the IRDA revises the minimum rate for discontinued policies. A Fund Management Charge of 0.50% p.a. will be levied on the ‘Discontinued Policy Fund’. The Discontinued Policy Fund (SFIN:ULIF05110/03/11DiscontdPF101) shall be a unit fund which will invest 100% of assets in Government Securities and/or Money Market Instruments. Your fund value as held in the ‘Discontinued Policy Fund’ will be payable to you at end of the 5th policy year. In case of the death of the Life Assured or Policyholder, before the payment of the surrender benefit, the amount in the Discontinued Policy Fund will be paid out immediately. If you surrender your policy after completion 5 years from commencement of the policy, your fund value will be paid to you. Once any surrender payment has been made, the policy terminates and no further benefits are payable.
user
How Do I extend my HDFC Ergo Student Travel insurance surakshapolicy

assistant
Please send a request mail to [email protected] for extension of policy along with health declaration attached to it. You will receive a response from us with the detailed procedure and the additional premium amount.
user
How to Download TDS Certificate through Online

assistant
Please note you can now download the TDS certificate from Netbanking Accounts Module ,Go to Request section click on TDS Inquiry. We request you to follow the below mentioned process : Log in into NetBanking through the Customer ID and NetBanking Password (IPIN). Select TDS Inquiry under the Request option on the left hand pane. Select the Financial Year and Quarter for which the certificate is required. Click on Continue and confirm. Additional information:- Currently, TDS Certificate for the Quarter 1 , Quarter 2, Quarter 3 AND Quarter 4 are available. TDS certificates will be available only if PAN is updated and there is a tax deduction in the financial quarter. TDS certificate will be in PDF Format. View more
user
How do I report such service/merchant related transaction dispute incurred using my Debit Card transaction

assistant
We strongly recommended that for all service related disputes, the Debit Cardholder must first attempt to contact the merchant to resolve the dispute which enables prompt resolution. Considering all attempts have been made to resolve dispute with the merchant, you may call PhoneBanking team for raising exact nature of dispute and send relevant supporting document with respect to failed / disputed transactions with complete transaction(s) details to [email protected] ] OR submit the same at your nearest HDFC Bank branch.
user
Will automatic conversion of vesting benefit to annuity happen

assistant
Policyholder needs to purchase an annuity plan – by filling the annuity proposal form. Submit all relevant documents and annuity payout will occur as per the timeline.
user
How can I repay my Personal Loan

assistant
You pay the loan in equal monthly instalments (EMIs). The loan will be paid through post-dated cheques. You can also pay through ECS or a standing instruction to debit your HDFC Bank account with the EMI amount. Try our EMI calculator to calculate how much you need to pay each month.
user
How do I utilize this amount

assistant
This amount is made available in your Salary Account. You can withdraw it through the regular modes i.e. ATM, Cheques, online transfers.
user
What is the maximum amount I can borrow with an HDFC Bank Pre-owned Car Loans

assistant
You can get an additional loan on your existing HDFC Bank Auto loan if you have a clear repayment track record of 12 months or more, till the extent of your existing loan amount at an attractive rate of interest.
user
What are the benefits of InvestTrack

assistant
This exclusive service* comes to you with an array of unmatched benefits, which include: Structured Process considering your risk profile, investment objectives and financial goals Recommendations from HDFC Bank's in-house research team Choice of convenient Mutual Fund execution platforms Comprehensive Portfolio Tracker* that provides a consolidated view of your Mutual Fund Investments, HDFC Life Policies, Savings, Current & Fixed Deposit Account Balances Complimentary subscription* to our exclusive monthly magazine - Investment Insight, that updates you on: Market Movements New Fund Offerings Recommended Funds' Performance Fund Managers' Views Informative articles on various investment products Proactive monthly updates on new offers and investment concepts. View more
user
How do I know my beneficiary's details for a cheque issued in my name (Basic Savings Bank Deposit Account - Farmers)

assistant
To know your beneficiary’s details for a cheque issued by you / issuer name for a cheque credited in your account, please contact any of our bank branches. You can refer the cheque deposit slip also for the details. To know about Service charges and fees click here. For more details, Contact Us.
user
Do I need a guarantor for New Car Loans

assistant
No, but if your income does not meet our credit criteria then you may be required to have a Gurantor/co-applicant. To stand surety for your loan.
user
How does Contactless MultiCurrency ForexPlus card work

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

assistant
Within 48 hours of completing documentation. Type of Location End-to-End TAT* Urban Locations 5 Days Semi-urban & Rural Locations 7 Days * End-to-End TAT is Login-to-Disbursement turnaround time* TAT calculated from the day complete loan application received by the Bank
user
What are the eligibility criteria to avail a Home Insurance policy

assistant
Any resident Indian who is the owner of the property & which is located in India can purchase a Multi Year Home Insurance Policy.
user
Is employment confirmation mandatory for me to open a Classic Salary Account

assistant
Yes, employment confirmation is required to ensure that you are an employee of the company.
user
How do I renew my Commercial Vehicle Insurance policy

assistant
We will send you a renewal notice well in advance of your policy expiry date. You need to confirm acceptance of renewal and send your cheque for the premium to us at our correspondence address. You can also renew your policy through the dealer/agent from where you initially bought your policy.
user
How can I check the balance on my HDFC Bank Multicurrency ForexPlus Chip card

assistant
You can check the balance on all the active currency wallets on Multicurrency card with the help of Prepaid NetBanking facility. Alternately, you can also contact our PhoneBanking services to check the balance on your Multicurrency card.
user
How does it work

assistant
The Super Saver Account lets you to withdraw up to 90% of your deposit, just like the liquidity of a Savings Account. There’s no need to break your Fixed Deposit for short term requirements. You can withdraw cash through an ATM or by cheque or teller transactions.
user
Can I have a Super saver facility and a Sweep-in facility on the same Savings Account

assistant
It is possible to have both these facilities on the same Savings Account. It is important to note that if there are insufficient funds in your Savings Account, your overdraft limit will be exhausted before units of the Sweep-In Fixed Deposits are used prematurely.
user
Do I need to provide any security or collateral to obtain a personal loan from HDFC Bank

assistant
No you don’t have to provide any security, collateral or guarantee.
user
Would the shares be held in my name

assistant
The shares will remain in your name only. A loan against security lets you reap your regular benefits from shares such as rights, dividends and bonuses whilst you take a loan against them.
user
Where do I get this card

assistant
Hajj Umrah ForexPlus Card is available over the counter at HDFC Bank branches. You simply need to walk into our branch with required documentation and walk out with the card. The card will get activated within 5 to 6 hours from realization of funds.
user
Is this option available on all the online transactions

assistant
This option is available on all websites which are participating in the VBV/MSC/Portectbuy secure transaction protocol.
user
Which are the currencies that can be loaded on the card

assistant
You can load only one currency i.e. USD on your Regalia ForexPlus Card. However, you can transact in any currency
user
What is FATCA/CRS/KYC

assistant
FATCA : In January 2013, the United States of America’s (U.S) treasury released the final FATCA Regulations. FATCA requires U.S based financial institutions (FI) as well as foreign financial institutions to identify their U.S accounts and report them periodically to the U.S IRS (Internal Revenue Service) or appropriate governmental authority, in case of Inter-Governmental Agreement (IGA). Non-compliance can result in adverse consequences, including a penal U.S withholding tax, for non-U.S. entities or penalties under the local inter-governmental . CRS : To combat problem of offshore tax evasion, the G20 and OECD (Organisation of Economic Co-operation and Development) countries developed a Common Reporting Standard (CRS).CRS requires financial institutions to collect and report information to their tax authorities about account holders resident in other countries. India has signed CRS agreement on 3rd June 2015. UBO : As per SEBI Master Circular No. CIR/ISD/AML/3/2010 dated December 31, 2010 regarding Client Due Diligence policy, related circulars on anti-money laundering and SEBI circular No. IR/MIRSD/2/2013 dated January 24, 2013, non individuals and trusts are required to provide details of controlling persons [CP] / ultimate beneficiary owner [UBO] and submit appropriate proof of identity of such CPs/ UBOs. The beneficial owner has been defined in the circular as the natural person or persons, who ultimately own, control or influence a client and/or persons on whose behalf a transaction is being conducted, and includes a person who exercises ultimate effective control over a legal person or arrangement. As per regulatory requirement, individual investors and joint holders are required to provide extended KYC details. In absence of the same, transactions may get rejected by AMC/RTA. Joint holders of ISA ( Mutual Fund) accounts may update the same through Update Extended KYC option in NetBanking Request section of Accounts tab. Non-individual customers & HUFs may submit extended KYC details to Branches /Relationship manager. In absence of the same, transactions may get rejected by AMC/RTA
user
What are Guaranteed Additions under this plan

assistant
The plan provides you with additional boosters in the form of guaranteed additions where the premium payment term is 10 years or more, provided the policy is in force. The Guaranteed Additions are payable at maturity. These guaranteed additions are declared over and above bonuses. The Guaranteed Additions shall accrue at the end of every policy year as specified below: Policy Term Guaranteed Additions (% of Sum Assured on Maturity) <= 19 years 3 % p.a. for first 5 policy years, nil thereafter >=20 years 5 % p.a. for first 5 policy years, nil thereafter
user
Can I sell my car before I repay my loan

assistant
No, you cannot sell your car unless you repay your loan. An NOC is required from the financier before you can sell your car.
user
Do I need to mandatorily register

assistant
Yes, to avail the offers and earn times points you need to register and activate the account.
user
Will HDFC ERGO General Insurance give me an advance on the basis of a damage estimate under the Motor Insurance policies

assistant
No, your vehicle must first be repaired, after which we will reimburse the amount payable to you or pay the garage directly in the case of cashless settlement under your policy.
user
How do I choose from options available under this plan

assistant
At policy inception, based on your child’s future needs you can choose one of the three available Maturity Benefit Options. These options are: a) Aspiration: if you choose this option, you will receive a lump sum payout the end of your policy term. You can use this money to fund your child’s marriage or any other large expense.b) Academia: if you choose this option, you will receive guaranteed payouts during the last 5 policy years. The first guaranteed payout shall be higher than subsequent guaranteed payouts. You can use these payouts to fund your child’s college education in future.c) Career:if you choose this option, you will receive guaranteed payouts during the last 5 policy years. The last guaranteed payout shall be higher than previous guaranteed payouts. You can use these payouts to fund your child’s schooling or college expenses in future. Also at policy inception, based on the level of protection you need for your child’s financial planning, you can choose one of the two Death benefit options. These options are: a) Classic: in case of unfortunate demise of life assured during the policy term, the nominee receives Basic Death benefit + accrued Guaranteed Additions + accrued Bonuses, if any. After the payment of death benefit, the policy terminates.b) Classic Wavier:in case of unfortunate demise of life assured during the policy term, the nominee receives Basic Death benefit. 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. Where Basic Death benefit is defined as 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
user
How secure is making payment through Regalia ForexPlus Card

assistant
Much more secure than carrying cash. Regalia ForexPlus Card uses the same secure technology as chip & PIN so you can feel totally confident when you are using it to pay. Our technology uses the chip on your card to generate unique cryptograms and digital signatures to protect your payments.
user
How do I know if an ATM will accept my ForexPlus Chip Card

assistant
ForexPlus Chip cards are accepted at Visa / MasterCard ATMs. Please look out for the VISA/PLUS/MasterCard logo while searching for ATM.
user
Can I save tax by investing in this policy

assistant
Premiums paid by an individual or HUF under this plan are eligible for tax benefits under Section 80C of the Income Tax Act, 1961, subject to the conditions/ limits specified therein. Under Section 10 (10D) of the Income Tax Act, 1961, the benefits received from this policy are exempt from tax, subject to the conditions specified therein. Please note that the above mentioned benefits are as per the current tax rules. Your tax benefits may change if the tax rules are changed. You are requested to consult your tax advisor.
user
What are the fund options

assistant
The plan offers 8 Funds (including 4 New Funds) of varying risk and return profiles. The Policyholder has the option to choose any one or more funds based on his/her Risk Appetite. The Fund Options available under the Plan are Equity Plus Fund, Diversified Equity Fund, BlueChip Fund, Opportunities Fund, Balanced Fund, Income Fund, Bond Fund and Conservative Fund
user
Do I need to have an HDFC Bank account to purchase an HDFC Bank Giftplus card

assistant
No, you dont need to have an HDFC Bank account to purchase a Giftplus card. Simply walk into any HDFC Bank branch in India, submit your KYC documents and purchase an HDFC Bank Giftplus card over the counter.Mode of payment : Cheque/DD
user
Where do I get this card

assistant
ForexPlus card is available over the counter at HDFC Bank branches. You simply need to walk into our branch with required documentation and walk out with ForexPlus 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
What happens if the car meets with an accident

assistant
In the event of an accident, the first step is to inform the insurance company. The company then sends a surveyor to assess the extent of damages to the car. Your claim is then processed and paid directly to us, unless you have taken an NOC from the bank in which case the payment will be made by the insurance company in your favour. The bank normally gives you an NOC if you are regular in your payments. In case of a complete loss, the bank will receive the payment directly from the insurance company.
user
Does HDFC Bank offer preferential rate of interest on Fixed Deposits for Senior Citizens

assistant
We offer preferential rate of interest on Fixed Deposits for Senior Citizens. If you are a senior citizen, all you need to do is register as one by calling any Branch with proof of your Date of Birth. Once registered as a Senior Citizen, you are eligible for preferential rates of interest on Fixed Deposits opened through NetBanking as well. Click here to Interest Rates on Fixed Deposits. The Fixed Deposit will be booked in the same combination/ order of names as the existing Current/Savings account, from which the funds are being transferred. View more
user
How soon can I use the card after I have purchased it

assistant
Your card will be activated with the loaded amount within a few hours after the bank has received clear funds from you. Once activated, the card is ready for use.
user
What are the charges under this policy

assistant
Premium Allocation Charge:This is a premium-based charge. After deducting this charge from your premiums, the remainder is invested to buy units. The remaining percentage of your premium is called the Premium Allocation Rate. The Premium Allocation Rate and Premium Allocation Charge are given in the table below. Single Premium Single Premium Top-Ups Premium Allocation Rate 97.50% 99% Premium Allocation Charge 2.50% 1% Fund Management Charge (FMC): The daily unit price already includes the fund management charge of 1.35% per annum charged daily, of the fund’s value. Policy Administration Charge: The Policy Administration Charge is 0.13% per month of the total premiums paid (including any single premium top-ups).The charge will be deducted monthly, subject to a maximum charge of Rs. 500 per month. This charge will be taken by cancelling units proportionately from each of the fund(s) you have chosen. Mortality Charge:Every month a charge will be levied for providing you with the death cover in your policy. The amount of the charge taken each month depends on your age and level of cover. This charge will be taken by cancelling units proportionately from each of the fund(s) you have chosen. Miscellaneous Charges: You may be charged for Additional Servicing Request(s). Contact your Relationship Manager for further details *Statutory Charges – Service Tax and Education Cess is payable at the applicable rates for all unit linked products.
user
If I am having two member Id can I merge both the IDs and points

assistant
No, 2 IDs cannot be merged. The Times Points Debit Card linked Times Points account will be based on your HDFC Bank registered email id. You will have to use the same account to do activity and accumulate times points.
user
How can I cancel my Regalia ForexPlus Card

assistant
To cancel your Regalia ForexPlus Card, we request you visit our your nearest HDFC Bank branch or contact your RM and place a request towards cancellation the of the card. Your request will be processed within one working day of us receiving the request and the available balance on the card will be refunded back to your account. In case you do not have an account with us then a demand draft shall be issued for the respective refund amount. There are no charges towards the cancellation of a Regalia ForexPlus Card. However, Service tax on currency conversion, as applicable from time to time will be deducted at the time of providing credit to you.
user
How much time will it take to change the mode of repayment/ account for repayment of my loan

assistant
It will take 25 working days to activate the revised instructions. In case your next installment falls due prior to the said date, instruction already lodged with us will be presented for payment.
user
If I have a joint Super Saver Account, can both account holders get an ATM/Debit card

assistant
Both account holders can get an ATM / Debit Card, but a maximum of two cards are given for each Super Saver Account.
user
What documents should I submit when I purchase an HDFC Bank Giftplus card

assistant
If you are an existing HDFC Bank Current or Savings Account holder then you just need to submit the Giftplus card application form. If you are not an existing HDFC Bank Current or Savings Account holder then you need to submit the Giftplus card application form along with your ID proof and address proof.
user
What should I do if my Regalia ForexPlus 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 Phone Banking 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
How much finance can I avail of on Pre-owned Car Loans

assistant
You can borrow up to 85% of the car valuation
user
What are the documents required

assistant
Please refer Policy wordings for exhaustive list of claims documents required. We will not ask for anything over and above the list given in Policy.
user
What are the schemes available to the customers

assistant
Only select schemes of select AMC's are currently available for transactions done through NetBanking. The list of the schemes is available on the HDFC Bank's website.
user
What are the eligibility criteria for Personal Accident Death Cover

assistant
Eligibility: The following are the broad Terms & Conditions of the captioned cover on salary account and Titanium Royale Debit card Accidental Death resulting from bodily injury due accident only (for Defence: under civilian condition (off duty) ) Accidental Death resulting from bodily injury which directly and independently of all other causes results in Death within twelve (12) months of the event date On the event date, the account holder Is a bonafide employees (aged less than 70 years ) of the organization to whom the specific offer has been extended Is holding a Salary Account under the Corporate Salary Account Program with HDFC Bank and has received salary credit in the month or month prior Should have carried out at least one purchase transaction using the Debit Card, within 6 months prior to the date of loss. In case of Air Accidental Death claim ticket should have been purchased using Debit Card linked to Salary Account Cover provided only to the primary account holder
user
What are the charges I need to pay to foreclose my loan

assistant
You may refer to the Fees & Charges option under the product Loan Against Property and Loan Against Rental Receivables.
user
What is the premium frequency available under policy

assistant
The premiums can be paid annually, half-yearly, quarterly and annually.
user
What is Top up option

assistant
This option provides for a systematic increase of your cover from 1st policy anniversary onwards. This option is available under all plan options and has to be opted at policy inception.
user
Is there a charge I need to pay to get myself KYC Compliant

assistant
Currently, KYC is done for free of cost.
user
How will I know my Home Insurance policy is due for renewal

assistant
The renewal notice for a home insurance policy is sent 30 to 45 days in advance of the expiry of the policy.
user
What are Payment Solutions available

assistant
I. Digital Payments a. Payment Gateway - Complete Internet-based payment processing and management solutions for all cards issued in India and abroad - An integrated, flexible, rule-based, proactive risk management system that supports evaluation of transaction activity - Highly reliable uptime and best transaction success rate - Scalable to process millions of transactions per month on a real time basis - In-house dedicated helpdesk to resolve queries b. POS - Avoid hassles of cash &cheque collection & management - POS, mPOS, GPRS variants available - Low on-boardingtime II. Bulk Payments I. e-Banking solutions (E-Net)-Online platform for bulk remittances within and outside the bank II. Salary/Vendor payments –An integrated platform to make bulk payments to your employees/vendors III. Tax Payments Designated bank to collect Direct & indirect taxes
user
Is it possible to bid for an IPO under ASBA as well as under non-ASBA

assistant
No, it isn't. Only one application per IPO is allowed, either through ASBA or non-ASBA. Multiple applications are liable to be rejected because the same PAN Card cannot be used for more than one application.
user
Which course related expense does this loan cover (Education Loans For Indian Education)

assistant
Apart from the basic course fee payable to the institution where you decide to study, the following expenses will be covered under the loan: Exam/Library/Lab fees Caution deposit / Refundable deposit asked by the institution / Building fund - supported by Institution bills / receipts Purchase of Books/equipments/instrument/uniforms Travel expenses/passage money for studies abroad Purchase of computers - essential for completion of the course Insurance Miscellaneous expenses related to the course - like study tours, project work, thesis, etc. View more
user
Can the value of the card be topped up

assistant
Yes, your ForexPlus 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. View more
user
How do I register my Mobile number for IVR Password

assistant
Please call our Customer Service Centre and ensure that your mobile number is updated in our records.
user
What are the loan tenure options for Business Loan

assistant
You can repay your loan over a period of 12 to 48 months
user
How much finance can I avail of

assistant
The minimum loan amount is Rs. 20,000 and the maximum is Rs. 1.5 Lacs. But you can borrow up to 85% of the ORP depending on the model.
user
How to open a Recurring Deposit

assistant
Recurring Deposits can now be booked through NetBanking. Following are the steps for booking your Recurring Deposit online: Access your NetBanking account with your Customer ID and IPIN (NetBanking Password) Select Open Recurring Deposit option under the Recurring Deposit menu from the Menu bar located on the left hand side of the web page Select the desired values from the Drop-down lists Once complete, click on Continue and Confirm the details entered
user
What is the procedure to add / cancel / modify a nominee in my locker

assistant
You will need to fill up the following forms and submit it to your locker branch. The forms are available in the Forms centre section of our website.- For addition of a nominee: Form SL1 (sole hirer) / SL1A (joint hirer)- For cancellation of nomination: Form SL2- For change of nomination: Form SL3 (sole hirer) / SL3A (joint hirer)The branch will assist you after the form has been submitted by you. For more details, Contact Us.
user
What if I don’t/miss to pay premiums even in the Grace period

assistant
In the event of non-payment of premiums due under the policy by the expiry of the grace period, the policy will lapse with effect from the premium due date. The cover will cease and no benefits will be payable in case of lapsed policy.
user
How can I use Mobile Banking to manage my Mutual Funds account

assistant
We request you to follow the steps mentioned below to access your Online Mutual Fund details: Log on to the HDFC Bank NetBanking Site - Using your Customer ID and Password (Please use the NetBanking password) Click on the Mutual Fund Tab - 6th tab on the top right corner The Mutual Fund account number generated for you will reflect on the screen On the Left Hand side of the screen, various options like New Fund Offer, Purchase, Redeem, Switch, etc. are available You can click on any of the options and the relevant screen will be available to execute the desired transactions Your Mutual Fund Account Number will be available in a drop down. You can select your Mutual Fund account number and start transacting. View more
user
Which currencies can I carry on the card

assistant
You can carry following currencies on your HDFC Bank Multi Currency ForexPlus Platinum Card - Australian Dollar, United Arab Emirates Dirham, Canadian Dollar, Euro, Japanese Yen, Singapore Dollar, Sterling Pound, Swiss Franc, Swedish Krona and US Dollar.
user
Where can I register for HDFC Bank’s NetBanking facility

assistant
In case you are not registered for the NetBanking facility, we request you to visit the following URL. Click here for how to register:
user
What if the customer is passing by a terminal and a Contactless transaction takes place

assistant
The Contactless technology works when the card is waved at a maximum range of 4 cms. Hence, even if the customer is at a small distance from the terminal, no accidental transaction can take place, Plus the cashier must first enter the amount on the PoS machine before the card is tapped/ waved and the payment is processed
user
How is an Institutional Current Account  different from a Regular Current Account

assistant
An Institutional Current Account includes the following privileges: Free limit of Rs. 50 Lakhs per month for cash deposits at your home branch Free and faster collection of outstation cheques at HDFC Bank locations Free Demand Drafts and Pay Orders Free RTGS and NEFT Collections and upto 25 transactions free for NEFT/RTGS payments. Free BillPay and InstaAlerts Free Business Debit Card These features make an Institutional Current Account different from a Regular Current account.
user
Is there a fee levied for the use of the card

assistant
No, there is no charge on the usage of the card. However, there are charges for reissuance.Any Surcharge on account of card usage would be applicable on this card and is Nonrefundable by Bank
user
How do I get the NetBanking PIN

assistant
Please note that the Bank does not provide NetBanking PIN (IPIN) for your HDFC Bank Multi Currency ForexPlus Platinum Card. You need to set the IPIN online by using HDFC Bank Prepaid Card NetBanking service. In future also you can use the NetBanking service to reset your NetBanking PIN.
user
Are there any transactions for which I cannot use the Card

assistant
HDFC Bank eGiftPlus Card can only be used on e-commerce websites. This Card will not be usable on websites which are restricted by the Govt. of India.
user
What is the entry & exit age for this policy

assistant
One can be a proposer under the Policy from the age of 18 years to 65 years. You can insure your children from the age of 91 days to the age of 23 years.
user
What is the HDFC Bank Hajj Umrah ForexPlus card

assistant
The HDFC Bank Hajj Umrah ForexPlus card is an embedded Chip based Prepaid Forex card introduced in partnership with VISA International. It is the first card exclusively designed for Hajj Umrah pilgrims to carry currency in a convenient and secure way. The card holders are also entitled for exclusive discounts & gift voucher at select merchant outlets in Saudi Arabia. The card can be used at all VISA ATMs and merchant establishments worldwide. This card cannot be used for payments in India, Nepal or Bhutan.
user
How many members can be included under the Family Plan of the Revive Policy for Personal Accident

assistant
You can include your spouse and up to 2 children under the Family Plan.
user
Which courses can I take an Education Loan for

assistant
You can take an Education Loan for the following: Engineering/MS MBA/PGBM Medical Hotel Management *Other courses may be considered on a case to case basis
user
What is the authenticity proof

assistant
The silver bar is packed in tamper-proof certicard packs that are seen through at the manufacturing stage itself to prevent any damage / theft during transit. Moreover, the silver bars sold by the Bank come with an Assay Certification indicating the highest quality of silver at 99.99% purity as per international standards.
user
What information is required to use the e-monies NEFT service

assistant
To use this service, you should provide the beneficiary details (name and account number), and the name and IFSC of the beneficiary bank branch.
user
How will I receive the Dividend Pay amount

assistant
You will receive the Dividend Pay amount through a Direct Credit by the AMC in your Savings Bank Account mentioned in Investment Services Account opening form.
user
How long is the tenure of the loan (Education Loans For Indian Education)

assistant
The maximum tenure of the loan can be 7 years, including the Moratorium period.
user
Do I have the option to avail a loan under the policy

assistant
No, the policy does not provide any loan facility.
user
What is the procedure to replace a damaged Debit Card

assistant
We request you to contact the Bank using Phone Banking (available 24x7), where you can Hotlist your card immediately and simultaneously request for re-issuance of a new card. You may also submit a written instruction at the nearest branch to hotlist and re-issuance of ATM / Debit Card. Replacement/Reissuance Charges for Debit Cards - Rs. 200 + applicable taxes (W.e.f 1st Dec’16). For more details, Contact Us. View more
user
What is the HDFC Life Cancer Care Policy

assistant
HDFC Life brings to you a comprehensive Cancer Care plan that provides financial protection for both early and major stage of cancer with several unique features like: This is a plan that not only gives pay outs but also a waiver on premium for the next 3 policy years on diagnosis of early stage of cancer There is an increased benefit where the Sum insured under the policy increases every year under the Gold and Platinum option. Also, there is an income benefit under the Platinum option
user
Can I also include my parents and parent- in-laws in this policy

assistant
Yes, you can include your parents and parent- in-laws in the same Policy on an Individual Sum Insured basis and in a separate Policy on floater Sum Insured basis.
user
Do I need to pay additional amount over and above Cash withdrawal Charges levied by the HDFC Bank for ATM transaction

assistant
In certain countires ATM Service providers are authorized to charge surcharge/convenience fees from the cardholders for accessing the ATM to withdraw money. These charges are levied by the ATM service provider over and above the charges levied by the HDFC Bank, and HDFC Bank bank has no control over the charges as these charges are not levied by the bank. These charges are normally displayed to the customer during the transaction and the customer has the option to either proceed with the transaction or abort if the charges are not acceptable to the customer. View more
user
Can my Sweep-in facility have multiple deposits

assistant
You can definitely link more than one deposit to the Sweep-in facility. When you link more than one deposit to the facility, then the first deposit to be used will be the deposit which you opened last.
user
Who can avail of the InvestTrack facility

assistant
The InvestTrack facility is available exclusively to our Imperia, Preferred and Classic customers.
user
Do I get statements for my account

assistant
Monthly statements of accounts are sent to you. The facility of email statement of accounts is also available.
user
What do you mean by pre-existing diseases

assistant
Any condition, ailment, injury of related condition(s) for which the insured person has had signs or symptoms and/or was diagnosed and/or has received medical advice/treatment within 48 months prior to the insured’s first policy with the company.