haiderullah2174/bankfaq huggingface dataset:
user
Can I use my Medical benefit card outside India

assistant
No. Medical Benefit card is INR prepaid card which can be used only in India.
user
How do I apply for a Loan Against Rent Receivables (LARR)

assistant
You can apply for a Loan Against Rent Receivables in the following ways: Fill and submit in the Online Application Form and our representative will get in touch with you. Call on one of our PhoneBanking numbers provided on the website Visit your nearest HDFC Bank branch Our existing Liability customers may also get in touch with their Relationship Managers/ Personal Bankers to know more and apply for a LARR
user
What are the Medical test charges

assistant
Pre agreed charges for health check up with our network provider are Rs 1000/- and Rs.1200/- per person for SET1 & SET2 respectively. On acceptance of proposals, we will reimburse 50% of the expenses.
user
In case the card is lost or stolen or misused where I can hotlist my card

assistant
Card can be hot listed by calling/writing to customer service centre at the phone number and/or email address listed on the back of your card.
user
Can I change the ATM PIN

assistant
There is no ATM PIN applicable for the HDFC Bank eGiftPlus Card. Only an IPIN is required to use HDFC Bank eGiftPlus Card.
user
How do I top up the value of the card

assistant
Loading and reloading is as per the corporate instructions. Request from cardholder for reloading the card cannot be accepted.
user
Is employment confirmation mandatory to open a Premium Salary Account

assistant
Yes, employment confirmation is required to ensure that you are an employee of the company.
user
Can I repay my loan earlier than the due date

assistant
Yes you can repay your loan at any time during the loan tenure. However prepayment is not permitted within 6 months from loan disbursal date. For charge details, Click here
user
How much loan can I avail of Business Loan

assistant
You can avail of a loan from Rs 50,000/- to Rs 50,00,000/- depending on your income, repayment capacity and respective location product cap.
user
Can I pay more than one instalment at a time

assistant
You can, but note that there will be no interest paid on any additional amount deposited, other than the installment due.
user
If I don't have an account with HDFC Bank, can I still avail of Pre-owned Car Loans

assistant
Repayment is preferred from a HDFC Bank account. Having an account with HDFC Bank helps in better eligibility and approval rates.
user
What are the benefits of Times Points Debit Card

assistant
Your Times Points Debit Card Offers 1. A Welcome benefits to choose one from a bouquet of upto 20 offers 2. You will be entitled to a one time offer of 500 bonus Times points. 3. You will provided with Great deals and discounts all throughout the year. 4. You will be able to redeem your Times points earned from your activities on TIL and Times Debit card Spends and avail attractive offers.
user
Is there any Loyalty Additions under the Plan

assistant
Yes. Loyalty additions (as percentage of the average fund value) will be added to the fund value every alternate year starting from the end of 11th policy year for limited and regular premium payment policies. For single premium policies, the Loyalty Additions will be 1.50% of the average fund value. The Loyalty Addition shall be payable at the end of every policy year from year 10 to 14 (both inclusive).Please refer to product brochure for more detailsand/or consult Relationship Manager.
user
What are the Fees and Charges applicable

assistant
You may refer to the “Fees & Charges” option under the product “Loan against Rent Receivables”.
user
Can I get a refund towards residual Forex on my return

assistant
After you return you can choose to cash out any residual foreign currency on your Card. The zero value or partially loaded card plastic can still be with you and you can reload it or use it till the validity of the card, which is 5 years.
user
What are the various HDFC ERGO Travel Insurance policies

assistant
HDFC ERGO provides coverage for Single Trip, Multiple Trip, Asia and a Family Floater Plan with various sums insured options to choose from.
user
Do I have the option to structure my loan as partly fixed or partly floating

assistant
Yes, you can structure your HDFC Ltd. Home Loan as Partly Fixed or Partly Floating as per your needs.
user
Do I need to close my account when my kid attains majority

assistant
No, the existing account can be converted to a regular savings account. To convert the account the following will be required: AML section on the SB Regular AOF should be updated for the minor turned major Customers will also fill up the Kid’s Advantage account conversion form Identity Proof Address proof Photograph Proof of becoming major like Birth certificate, Passport etc
user
Are there transaction limits for Business Debit Card

assistant
Subject to the balance in your account, the daily limits are Rs. 50,000 at ATMs and Rs. 1.75 lacs at merchant locations. These limits have been set for the security of your card.
user
I have other sources of income. Do I still need to plan for retirement

assistant
Diversification of income source is good. However, as you get older, you might not be able to work the way you can now. The other sources of income might not turn out to be as successful as they are today. Hence, it is prudent to plan for your retirement through a pension plan.
user
How many times of my annual salary can I borrow with HDFC Bank Auto Loan

assistant
You can borrow up to 3 times your annual salary if you are a salaried professional and 6 times your annual income if you are a self-employed professional **. **This would also vary with higher loan value
user
What is the validity period of the OTP

assistant
OTP is valid for a period of only 3 minutes.
user
Do I have an option to pay a skipped/ missed EMI for New Car Loans

assistant
Yes, you can pay your missed EMI online. You need to provide your HDFC Bank Loan details, confirm payment towards HDFC Bank Loan account post which you will receive an online transaction confirmation and a Transaction Reference Number. The link for making HDFC Bank overdue loan repayment online is given below. https://www.billdesk.com/pgidsk/pgmerc/hdfcemi/index.jsp .
user
How do I buy Mutual Funds over the Net

assistant
To invest through NetBanking log onto www.hdfcbank.com.
user
What happens after the Home Insurance claim is registered

assistant
The surveyor contacts the customer in 48 hours. The claim form is sent to the customer’s correspondence address within 7 working days.
user
What can I do with the NEFT facility

assistant
You can use the NEFT facility to transfer funds from your HDFC Bank account to an account in another Bank at the locations as specified by RBI.
user
Why is 2nd Level authentication made mandatory for all Card related online transactions

assistant
All online card transactions, as per RBI’s mandate, need to have a second level authentication when a transaction is made. Hence the cards need to be registered for Verified by Visa(VBV)or MasterCard Secure Code to complete an online transaction. A transaction can be carried out only on those websites that are Verified by Visa or MasterCard Secure Code enabled. Thus when you are making an online transaction on these websites you will be prompted to register for the service, if you have not registered till date. You can fill the required details and complete the transaction after registering. You can also register your card for Verified by Visa or MasterCard Secure Code here. View more
user
Does this plan offer tax benefits

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 is Smartup Solutions

assistant
A SMART solution for your StartUp. SmartUp is here to assist you in achieving your startup goals with smart financial tools, smart advisory services and technology.
user
What is the Death-Benefit under the plan

assistant
In case of the Life Assured’s unfortunate demise, the nominee will receive the benefit as defined below - Death Summary of Death Benefit Before attainment of age 60 years The nominee will receive the higher of the following Sum Assured (less all withdrawals except from the top-up fund value, made during the two year period immediately preceding the date of death) The total fund value. The policy will terminate thereafter and no more benefit will be payable. On or after attainment of age 60 years The nominee will receive the higher of the following Sum Assured (less all withdrawals except from the top-up fund value made after attainment of age 58) The total fund value. The policy will terminate thereafter and no more benefit will be payable.
user
What should I do in the case of a void transaction for Womans Advantage Debit Card

assistant
Just fax us a copy of the void transaction slip. You can also send it to or submit the same at your nearest HDFC Bank branch. For PhoneBanking numbers Click Here.
user
What are the Terms and Conditions for the offers at my disposal

assistant
Please visit www.timespoints.com/debit for present offers and T&C.
user
Do I need a co-applicant for the loan (Education Loans For Foreign Education)

assistant
Yes a co applicant is required for all full time courses. Here are a few points to be noted about co applicants: Primary Co-Applicants: Parents, Spouse, Siblings Secondary Co-Applicants: Father-In Law, Mother-In-Law, Brother-In-Law, Paternal / Maternal Uncle / Aunt View more
user
Are there any additional charges for loan Pre-payment

assistant
You may refer to the Fees & Charges option under the product Loan Against Property and Loan Against Rental Receivables. All terms and conditions are at the Sole discretion of HDFC Bank Ltd. The bank reserves the right to change/ modify any of the above at any time.
user
What documents are required to open a senior citizen Super Saver Facility

assistant
While opening the account, the customer needs to provide proof of age establishing that he/she is a Senior Citizen. To accomplish this, either of the following can be submitted: Secondary School Leaving Certificate (10th Class) LIC Policy Voters Identity Card Pension Payment Order Birth Certificate issued by the competent authority Passport Defence ID Card / Govt ID Card (Provided they have the cardholder's photo, signature and date of birth) PSU Issued ID Cards Senior Citizen Cards issued by Indian Airlines / Indian Railways PAN Card View more
user
Will the loan be disbursed in favour of the Institute/college/university (Education Loans For Foreign Education)

assistant
Yes. The tuition and hostel fees (if any) will be disbursed directly to the educational institute as per the schedule and structure of fees given by them.
user
How does this card work

assistant
Your HDFC Bank ForexPlus card will be activated with the required AUD / AED / CAD / CHF/ Euro / GBP / JPY / SGD and USD within 4 hours from the bank getting the clear funds from you. Once actived, 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 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 ForexPlus card. HDFC Bank 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 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. View more
user
What happens if my card is lost

assistant
In case your card gets lost or stolen, all you have to do is call HDFC Bank PhoneBanking immediately and report the loss of your card. This facility is available 24 hrs on all days. The card can also be hotlisted using our Prepaid card NetBanking facility on www.hdfcbank.com
user
What transactions are included as a part of the Free Anywhere Transactions limit for a month

assistant
The following transactions together comprise part of the Free Anywhere Transaction Limit: Cheques deposited into the account in other cities (in local clearing / within Bank) Inter-city payable-at-par cheques issued. Inter-city account to account funds transfers (Cheque Payments & Collections) within HDFC Bank Accounts. View more
user
Can I repay the loan earlier for Business Loan

assistant
Yes, you can choose to repay your loan anytime after 6 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
What is the procedure to close my Investment Service account

assistant
You will need to submit the Investment Service account closure form to your nearest branch for further processing. Kindly visit the following URL to access information for the complete address and contact details of our Branches as well as our PhoneBanking numbers.
user
Can I revise the bid

assistant
Yes, you can revise your bid under the ASBA facility. In case of upward revision of bid, additional lien will be marked to the extent of the incremental amount. However, in case of downward revision, differential money blocked earlier will not be released. Such amount, if any, will be released after allotment.
user
Can the ATM PIN be changed

assistant
No, the ATM PIN cannot be changed at the ATM. In case you have forgotten or lost the PIN, you will need to request for a new PIN with the help of PhoneBanking or thorugh Prepaid NetBanking.
user
What is the maximum amount I can load on the HDFC Bank eGiftPlus Card

assistant
For HDFC Bank customers, Rs.50,000 For non-HDFC Bank customers, Rs.10,000 for each eGiftPlus Card.
user
When does the Bank issue a TDS Certificate

assistant
The TDS Certificate, Form 16A, for TDS deducted during a calendar quarter, will be issued in the next month of the respective quarter.
user
What is the minimum Average Monthly Balance required if I have a Merchant Advantage Current Account

assistant
You have to maintain a minimum Average Monthly Balance (AMB) of Rs. 25,000.
user
Is it necessary to open Max Current Account in each location where my company has an office

assistant
No. With your Max Current account you enjoy the advantage of single account with multi-location banking.
user
What currencies are available

assistant
There are five currencies offered: Euro (EUR) Sterling Pound (GBP) US Dollar (USD) Thailand Baht (THB) HongKong Dollar (HKD)
user
What happens if I try to make a purchase at a merchant that doesn't participate in the Verified by Visa / MasterCard Securecode service

assistant
You will not be prompted to enter your for Verified by Visa / MasterCard Securecode password on these websites.By shopping at websites participating Verified by Visa / MasterCard Securecode merchants, you have the extra layer of security as the transactions are authenticated using your Verified by Visa / MasterCard Securecode password.
user
What is the min-max age at entry/maturity

assistant
Click here to view the min-max age at entry/maturity
user
What is the min-max age at entry/maturity

assistant
Minimum Maximum Policy Term (years) 10 10 Age at Entry Age (years) 14 55 Age at Maturity (years) NA 65 Premium Paying term 5 years
user
Who can avail of HDFC Bank New Car Loans

assistant
We offer New Car Loans to the following: 1. Salaried individuals in the age group of 21 to 60 years (at the end of the tenure) 2. Self-employed individuals in the age group of 21 to 65 years (at the end of the tenure) 3. Partnership Firms 4. Public & Private Ltd. Companies 5. HUFs and Trusts View more
user
What if I don’t/miss to pay premiums

assistant
Premium(s) due on this policy should be paid on or before the premium due date. You are advised to pay the premium in time to continue enjoying the benefits of this policy. However, in case you are unable to do so, you have a grace period after the premium due date within which you can pay the due premium. Grace period available for annual frequency is 30 days whereas there is no grace period for one time/ single payment frequency. If you pay the due premium within grace period the policy will continue without any break. Following conditions will apply during grace period. The cover under the policy shall remain in-force during the grace period Should a valid claim arise under the policy during the grace period, but before the payment of due premium, HDFC Life shall still honour the claim. In such cases, the due and unpaid premium will be deducted from any benefit payable.
user
What if I forget my Prepaid NetBanking login Password

assistant
If you have forgotten the Password, then the same can be changed by selecting the option of Forgot Password available on the Prepaid NetBanking login page.
user
What is meant by total loss under the Motor Insurance policy

assistant
Total loss means accidental damage to your vehicle where the cost of repair amounts to more than 75% of the IDV on your policy.
user
On what basis the Sweep-in facility gets triggered

assistant
Effective 22nd Feb 2014, Sweep in of funds from your Fixed Deposit (FD) to Saving/ Current account will trigger on Last in First out basis (LIFO).
user
What is the block period for the investment

assistant
The block period for the investment of these two companies is 3 years.
user
When will my SmartDraft limit be renewed

assistant
Based on your account performance and salary credits, your overdraft limit will be renewed after 12 months once the payment of the annual renewal fee is made.
user
Is there any Accidental Death Benefit in the policy

assistant
Yes. In case of death due to accident during the term of the policy, an additional benefit equal to 'Sum Assured on Death' is payable. This amount is payable provided the life assured is aged 18 years & above on the date of death.
user
Can I use the DCC/ MCC option at the time of transaction

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

assistant
No. Your Regalia ForexPlus Card can only be loaded in USD currency. As a feature of the card, no cross currency conversion charges will be levied for using the card in any currency other than USD. Your transaction value will get converted in USD currency @ rate applied by MasterCard. No additional cost will be levied.
user
Must I open an Merchant Advantage Current Account in each location where I have my company office

assistant
No. A Merchant Advantage Current Account gives you the advantage of a single account with multi-location banking.
user
Can HDFC Ergo Student Travel insurance suraksha policy be extended

assistant
The extension under the policy shall be provided subject to the following conditions: The original policy period has not expired The sum insured shall not be enhanced There is no claim during the original policy period Declaration of good health shall be provided by the insured Extension premium has to be paid before actual extension is affected The entire policy period along with Extension does not exceed 2 years Please note that extension on a policy can be availed only once during the risk period.
user
What is HDFC Bank ForexPlus Chip card

assistant
HDFC Bank ForexPlus Chip card is a magnetic strip based prepaid card introduced in partnership with Visa / 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 Visa / Mastercard ATMs and Merchant establishment worldwide. This card cannot be used for making payments in India, Nepal or Bhutan.
user
What is a hospital/nursing home

assistant
A hospital/nursing home means an establishment which: is registered as such with a local authority and is under the supervision of a registered and qualified Medical Practitioner and operates for the reception, care and treatment of sick, ailing or injured persons as inpatients provides organized facilities for diagnosis and medical and surgical treatment at all times; and is not primarily a day clinic, rest or convalescent home or similar establishment and is not, other than incidentally, a place for the treatment of alcoholics or drug addicts or a rehabilitation centre;OR has a fully equipped operation theatre of its own wherever surgical operations are carried out provides nursing care and has a physician or a staff of physicians actually on the premises at all times at least 10 in-patient beds at all times View more
user
Can I renew my Motor policy online

assistant
Yes, you can renew your HDFC ERGO Motor Insurance policy online by using your Credit Card or bank account.
user
What should I do in the case of a void transaction for Platinum 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 is the difference between Life and 3D Life options

assistant
In addition to the benefits under Life Option, you will receive an additional benefit of waiver of your future premiums upon diagnosis of Critical Illness under 3D Life option
user
How do I obtain a NOC from the bank if my Registration Certificate is mutilated and  I wish to apply for a duplicate Registration Certificate book for a vehicle under finance with HDFC Bank

assistant
You may obtain the NOC for a duplicate Registration Certificate book for your vehicle loan, by visiting any of our Retail Loan Service Center and submitting the following documents: Request form for applying for the required NOC. Self attested copy of the Registration Certificate book, duly self attested by you, along with the Original Registration Certificate book for validation. Applicable fee of Rs. 500/- vide a cheque/payorder/demand draft favouring HDFC Bank Ltd Loan Account No. << >>. In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer, i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.
user
What are the Plan Options available for this product

assistant
There are 3 plan options available in this product namely Silver, Gold and Platinum. The base benefit is applicable on all the 3 options. The increased benefit is applicable on Gold and Platinum options where as income benefit is applicable only on the Platinum option.
user
What is the Maturity Benefit under the plan

assistant
Fund Value on the prevailing on the date of Maturity will be paid to the policyholder.
user
Can I cancel a transaction

assistant
No cancellations are allowed once transactions are placed.
user
How do I make a claim under the Accidental Protection Plan - Hospital Cash policy

assistant
You can make a claim by calling our toll-free number 1800-226-226 (MTNL or BSNL) or 1800-2-700-700 (Any Line) or 022 6638 4800 (Local/STD charges apply). We will then assist you with the submission of the required documents and the process will be completed within 7 working days, once all the required documents are submitted.
user
What documents should I submit when I purchase the ISIC HDFC Bank ForexPlus Card

assistant
Customers have to provide the following documents: Completed ISIC HDFC Bank ForexPlus Card application Form Form A2 Appointment Letter / Admission Letter / University Identity Card Scanned copy passport size photograph with white background A photocopy of Passport Additional document for non HDFC Bank Customer - Visa Copy or Ticket Copy
user
Can the value of the card be topped up

assistant
Gifting we believe is special to the occasion and hence you cannot reload this card. Every occasion is a new occasion and deserves a new card.
user
What are the documents required to be submitted in case of a home burglary claim

assistant
The original invoice has to be submitted, giving the value of the items stolen. In addition to this you also have to give the replacement cost/repair cost, FIR, Final police report and claim form.
user
What is Family Floater and what are its features

assistant
Family Floater is a policy wherein the entire family of the insured comprising of the insured and his/her dependents, are covered under a single sum insured. The advantages of such a policy are: All member of the family (as defined above) can be covered under one policy. A Single Premium is payable for the entire family The amount of the sum insured floats over the entire family, i.e. the limit can be used by any member of the family, any number of times. You do not have to keep track of renewals for different members. Just a single renewal date has to be remembered. View more
user
Are there extra charges for International Business Debit Card

assistant
You can be sure that there are no transaction charges when using your card at a merchant location. There are also no petrol surcharges, or fees for using an HDFC Bank ATM. Just remember to check for usage charge information if you access other bank ATMs.
user
How is an Ultima Current account different from a Regular Current Account

assistant
An Ultima Current account includes the following privileges: - Higher free limit of Rs. 2Cr per month for cash deposits at your home branch - Unlimited free clearing transactions anywhere for payments and collections - Free and faster collection of outstation cheque at HDFC Bank locations - Free Demand Drafts and Pay Orders - Free RTGS and NEFT transactions - Free BillPay and InstaAlerts - Free Business Debit Card
user
Do I get a life cover from this plan

assistant
APP being a Pension plan does not have a life cover; however, the death benefit is higher of FV or 105% of the premiums paid till date.
user
Why do I need a Reimbursement Account

assistant
A Reimbursement Account enables you to separate your regular monthly salary from the monthly reimbursements you receive from your company. This helps you track reimbursements separately.
user
How the HDFC Bank eGiftPlus Card is different from the GiftPlus Card

assistant
GiftPlus card is a physical card which you can use at over 150 million Visa outlets across the country, whereas the HDFC Bank eGiftPlus Card is a personalised virtual Card that you can use at all major e-commerce sites. You can also write a personalised message and choose a design of your choice, basis on what occasion you want to gift them for.
user
What are the medical tests that I need to undergo to enrol myself for  the Critical Illness policy

assistant
No pre-policy medical check up is required for anyone up to the age of 45 years.
user
What are the fund choices

assistant
The plan offers 4 funds of varying risk & return profiles. Income Fund, Balanced Fund, BlueChip Fund and Opportunities Fund.
user
Does pre-existing cover start after 4 years or 3 years

assistant
The Policy covers expenses incurred for the treatment of diseases that you have before taking the Policy. Such will be covered only after 36 months of continuous coverage.
user
How do I top-up the value of my card when I am abroad

assistant
ForexPlus Chip card can also be loaded on your behalf by someone authorized by you. Authorised person has to visit HDFC Bank branch with the necessary documents and funds. We’ll take care of the rest.
user
Does this policy cover natural death and daily sickness also

assistant
This policy only covers accidental death.
user
Which cars can be financed for Pre-owned Car Loans

assistant
We finance most of passenger cars manufactured by India's leading automobile companies
user
What is the limited mode of premium pay

assistant
A limited premium payment policy requires you to pay premiums for a term lesser than your policy term.
user
I have not received the Welcome Letter and ATM/Debit Card PIN for my new account

assistant
If you have not recieved the same at your mailing address within 7 days from the receipt of the Welcome Kit containing the Account deliverables, kindly Contact us.
user
Whom should I contact if my card is lost or stolen

assistant
Immediately report the loss of your ForexPlus Chip Card by calling HDFC Bank PhoneBanking. You will not be liable for transactions on your Card Account (if any) from the moment your report is registered with the bank. Alternately you can hotlist the card with the help of Prepaid NetBanking facility.
user
In what currencies can I open an RFC Domestic account

assistant
An RFC Domestic Account can be opened in three different currencies, i.e. USD / Euro / GBP.
user
What are the benefits of having a Current/Saving Account for my Business loan

assistant
You get preferred Processing Fee, priority processing and simpler documentation if you have a Current/Saving Account with HDFC Bank. This is taken into account at the time of disbursal of the loan. You can pay through Standing Instructions to debit your HDFC Bank Account with the EMI amount.
user
What is HDFC ERGO General Insurance role in a third party injury/property damage suit

assistant
We will handle the legal suit from the moment you receive a notification till the case is resolved. We will either settle the case out of court or actively defend the matter at the Motor Accident Claims Tribunal. Your co-operation will be essential in gathering the necessary documents and preparing a defence – viz. vehicle registration papers, driving licence of the person driving the vehicle, police FIR and panchnama, vakalatnama signed by you, your written statement as to the facts of the accident. We will also take care of legal liability and costs awarded by the tribunal. However, we will not be able to help you in the following situations: Where your insurance policy is not valid, either because it has expired or because the cheque for your premium has been dishonoured. The person driving the vehicle at the time of the accident was under the influence of drugs or alcohol. The person driving the vehicle at the time of the accident did not hold a valid driving licence to drive the said vehicle. View more
user
Are there transaction limits for Womans Advantage Debit Card

assistant
Subject to the balance in your account, the daily limits are Rs. 25,000 at ATMs and Rs. 1.25 lacs at merchant locations. These limits have been set for the security of your card.
user
How can I get my address changed in my loan account

assistant
In order to change your address in our records, we request you to visit the nearest Retail Loan Service Center and submit the following documents: Request form for Address Change. Self attested copy of your revised address proof along with the original address proof for validation. In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided. View more
user
Can I bid at multiple rates under ASBA

assistant
Yes, you can place three bids under ASBA.
user
What is the minimum loan value/product value

assistant
We are funding products with loan value above Rs 40000
user
Why do I need Health Insurance

assistant
Medical emergencies come un-announced. Cost of healthcare can be enormous. In the absence of health insurance, this expense has to be borne out of pocket. This has an adverse impact on the financial situation of the family. World over long term illnesses are known to be the reason behind a family’s slide down the social ladder. Health Insurance cover provides the much needed financial assistance and will ensure that you access healthcare facilities when you need them the most without worrying about the medical expenses.
user
Can I continue using the Verified by Visa/MasterCard SecureCode/Protectbuy password for online transactions

assistant
Yes, you can continue using your secure password, OTP is an additional option provided for checkout.
user
How can I load/reload  my FoodPlus card

assistant
Your FoodPlus card can be loaded/reloaded only basis the instructions received from your employer.
user
What are the benefits

assistant
With HDFC Bank's Sweep-in facility, you gain the high interest rates that come with a Fixed Deposit, along with the liquidity of a Savings Account. To benefit, you just need a Savings or Current account. The Sweep-In facility links the deposits you choose, and whenever there are insufficient funds in your Account to clear a cheque, we will break units of the deposit to clear the cheque. Here's an example of how it works: Let's say you have a Sweep-In facility on your Savings Account with a linked Fixed Deposit of Rs10,000/-. If you have just issued a cheque for Rs. 4000/-, but the balance in that Savings Account is Rs. 1000/-, HDFC Bank will mark a lien on the Fixed Deposit to the extent of Rs. 3000/- (4000/- less 1000/-) and clear the cheque. View more
user
If I don't have an account with HDFC Bank, can I still avail of loans

assistant
Yes, you can.
user
How would you utilise my funds

assistant
Your funds will be invested into Equity and Debt instruments as per the Equity Backing Ratio defined by the company. This is to provide you with maximum returns from market upside, as well as protect your capital from any downfall.
user
What if I Forget my Activation Code / IPIN

assistant
Incase you have forgotten your Activation Code/IPIN, you are requested to kindly call HDFC Bank PhoneBanking and place in a new request for IPIN, which will be sent instantly to your registered Email ID / Mobile number.
user
How can I get my address changed in my loan account

assistant
In order to change your address in our records, we request you to visit the Retail Loan Service Center and submit the following documents: Request form for Address Change. Self Attested copy of your revised address proof along with the original address proof for validation. In case a bearer submits the request on your behalf, a bearer authorisation along with KYC documents(self attested copy and original for validation) of the bearer,i.e. Identity and Signature Proof like PAN Card, Aadhar Card, Driving License or Passport Copy will also need to be provided.
user
What if I misplace my Motor Insurance policy document

assistant
Call our toll-free helpline 1800-2-700-700 and we’ll advise you how to proceed. You may have to pay a small fee for a duplicate policy.
user
Who can avail the Loan against Car

assistant
Any applicant owning a car, including a fleet operator or taxi where the present vehicle age is not more than 60 months, can avail of the Loan against Car.
user
Which are the currencies that can be loaded on the card

assistant
There are 23 currencies offered which can be loaded on the card: Australian Dollar (AUD) Dirhams (AED) Canadian Dollar (CAD) Euro (EUR) Japanese Yen (JPY) Singapore Dollars (SGD) Sterling Pound (GBP) Swiss Franc (CHF) US Dollar (USD) Swedish Krona (SEK) HongKong Dollar (HKD) Thailand Baht (THB) South African Rand (ZAR) Oman Riyal (OMR) New Zealand Dollar (NZD) Danish Krone (DKK) Norwegian Krone (NOK) Saudi Riyal (SAR) Malaysian Ringgit (MYR) Korean Won (KRW) Kuwait Dinar (KWD) Bahrain Dinar (BHD) Qatari Riyal (QAR)
user
Is there any special requirement for a PIO (Person of Indian Origin)

assistant
The requirements applicable to an NRI will also apply to a PIO. However additionally, persons of Indian origin will have to submit a certified true copy of their PIO Card.
user
How much loan can be offered against my Property

assistant
A Loan Against Rent Receivables can be extended up to a maximum of 50%* of market value of your property. However this dependent on Net Rentals, balance tenure & other parameters.
user
Except for digital media consumption, what is the other medium of earning Times Points

assistant
HDFC bank Times Points Debit Card gives customer unique opportunity to earn Times Points even when they are not online. Customer can earn times point by simply using their debit card for their all spends on Point of Sale or Ecommerce transaction.
user
Do the bars have authenticity proof

assistant
The gold bars are packed in tamper-proof Certicard packs (see through), at the manufacturing stage itself, to prevent any damage / theft during transit. Moreover, the gold bars sold by the Bank are “Assay Certified” for weight and purity, as mentioned on the packaging.
user
Is it necessary to register the card for an OTP transaction

assistant
Prior registration is not necessary for an OTP transaction.
user
Will the continuity benefit (2years) be given on Super Top Up plan as well

assistant
Continuity benefit will not be available in Super Top Up plan as portability benefits are not available in this product.
user
If I have shares of one company only, can I get a limit against just one script

assistant
Yes, you can get limits by pledging any of the approved single scripts under our Single Scrip Scheme. (Do note that the drawing power on these single scripts will range from 25% to 50%)
user
What if I forget my ATM PIN

assistant
You can call your local HDFC bank PhoneBanking number and ask for a new PIN to be reissued to you. The PIN however will be delivered to the purchaser's address with the bank. You can request for a new PIN over the Internet through your Giftplus card account.
user
What is the Maturity Benefit under the plan

assistant
On maturity, the policy holder will receive the sum assured plus accrued bonuses on full payment of premiums due throughout the premium paying term.
user
Whom should I approach for any other service related to HDFC Bank Fixed Deposits

assistant
For any other service related to Fixed Deposits (Supersaver or Sweep-In Facility, addition of Nominee, Change in Maturity Instructions, Premature Encashment etc.) you may approach the nearest HDFC Bank Branch with the Fixed Deposit advice and the request Form duly signed by all account holders.
user
What is the procedure to get the TRF booklet

assistant
We have revised the process for the issue of Transfer Request Forms to eligible Customers. These will no longer be available over-the-counter (as and when required) at our LAS Service Centres but will have to be indented from our Central Processing Unit. An application form is enclosed which will have to be used to place indents (maximum 10 nos. of TRF Forms per request). Application Forms are also available at our LAS Service Centres and on our website In this connection, kindly also note that: 1. The Transfer Request Forms will be serially numbered with your Client ID duly stamped thereon, 2. The serial numbers will be maintained in our systems and any request for pledge/withdrawal must only be submitted on a TRF issued to your account. No deviations can be allowed and you are requested to ensure that adequate number of forms are available to meet your normal requirements. Our Bank will not be responsible for any delay in transaction due to non-availability of TRF. 3. The book of Transfer Request Forms will be couriered directly to your mailing address on record within a maximum of 7 working days, once the application is received and found to be in order. We suggest that your mailing address be checked and updated (if required). Our Bank will not be responsible for any delays in delivery due to incorrect / incomplete address. 4. The book containing the Transfer Request Forms must be handled with care and kept secure at all times. Any loss, misplacement or damage must immediately be reported to the LAS Service Desk. 5. For now, applications for TRF can only be submitted through LAS Service Desks. However, the facility will soon be available through NetBanking. In case you are not registered for NetBanking, kindly visit our website (www.hdfcbank.com) to register for the facility online. View more
user
What is the difference between fixed benefit health insurance plans and reimbursement health insurance plans

assistant
Fixed benefit plans cover the risk associated with a rare critical illness and provide predetermined sum insured upon diagnosis of few covered conditions. Payment under fixed benefit plans is usually made upon diagnosis and is not linked to the medical expense that the life insured may incur for treatment of such condition. Such plans help one to compensate for loss of income that arises due to long period of treatment and recuperation that may be required. Such policies pay the benefits only once and then the cover ceases. Reimbursement plans provide for reimbursement of actual medical expenses incurred in a hospital. These medical expenses could range from low amounts incurred in treatment of common ailments like malaria or dengue to significant expenses incurred in treatment of critical illnesses. Such policies do not cease on payment of claim once and continue to pay the claims every year subject to continuous renewals. View more
user
What are the charges for collection of outstation cheques

assistant
To know the charges for collection of cheques levied in your account, click here to view the current schedule of charges. Kindly check under the following headings: Collection of outstation cheques - Our Bank Locations Collection of outstation cheques - Other Locations These charges attract a Service Tax and an Educational Cess as applicable in terms of the current Finance Bill.
user
Is there a loan facility in my policy

assistant
No policy loans are available for this product.
user
How much interest will the 8% Savings (Taxable) Bonds bear

assistant
Bonds will bear interest @ 8.00% p.a. and are payable half-yearly. The interest payment dates are February 1 and August 1 for non-cumulative investments. For investors who have chosen the cumulative option, the value of the investments at the end of 6 years would be Rs. 1601 (being Principal and Interest) for every Rs. 1000 invested. Interest on the Bonds is taxable under Income Tax Act 1961.
user
When do I start paying my EMI

assistant
Credila’s unique education loan offers the flexibility of paying only simple interest (PEMI) during the course period and principle plus interest (EMI) after the completion of studies and grace period.
user
Can I link accounts held in different account titles to the same Savings Account for the Sweep-In facility

assistant
No. You can only link the Sweep-In facility to the accounts with the same account title. For example, a Fixed Deposit held by A-B can be linked to a Savings Account held by A-B across branches.
user
Is the primary Customer ID of the Kids Advantage account will be same as my Customer ID

assistant
The primary Customer ID issued under your kids name for the Kid's Advantage account will be different from your Customer ID. You should use the primary customer ID to open the email statement you receive for your Kid's Advantage account.
user
Should I visit a PoS personally to obtain KYC Compliance

assistant
No. If you are not in a position to visit a PoS personally, the KYC Application Form along with the necessary documents (including originals if the copies are not attested) can be sent through the distributor or representative who can arrange to complete the KYC process and obtain the KYC Acknowledgement through any PoS.
user
Do I need to have HDFC Bank account to purchase the ISIC HDFC Bank ForexPlus Chip Card

assistant
No, you don't need to have an account with HDFC Bank to purchase the ISIC ForexPlus Chip card. You can just walk into any of our HDFC bank branches in India and purchase it over the counter on submission of relevant KYC and mandatory documents.
user
How can I cancel my ForexPlus Platinum Card

assistant
To cancel your Forex Plus Platinum Card, we request you to contact the PhoneBanking team or walk into your nearest HDFC Bank branch and place a request towards cancellation. Your request will be processed within one working day of us receiving the request. There are no charges towards the cancellation of a Forex Plus Platinum card. However, currency conversion tax as applicable from time to time will be deducted at the time of providing credit to you. Kindly visit the following URL to access information for the complete address and contact details of our Branches and PhoneBanking centers
user
What is covered under the Ayush benefit

assistant
Under the Ayush benefit expenses are reimbursed for in-patient treatment taken under Ayurveda, Unani, Sidha or Homeopathy.
user
What are the Plan option available

assistant
There are 8 Plan options available under the Plan ProGrowth Super II. Please refer to the product brochure for details.
user
Why should I get loan sanction before admission

assistant
The preferred way to declare ‘Assured Funds to Universities’ Better acceptance of the sanction letter over the solvency letter Increases your chances of getting admission to your dream college No last minute surprises specially during Visa time: Know your loan eligibility in advance Quick and hassle free process to get a sanction letter
user
What is the VBV Password

assistant
VBV password is a secure code password, which will be used for authenticating any transaction through HDFC Bank eGiftPlus Card. Your HDFC Bank eGiftPlus Card IPIN will be your VBV Password.
user
Do I need to have Auto Insurance

assistant
Yes, the Motor Vehicle Act states that every motor vehicle plying on the road has to be insured with a Liability Only policy at the very least.
user
Whom do I inform about change of name/address/status/signature, etc.

assistant
You should intimate your change of name/address/status/signature, etc. to any convenient PoS. You need to quote your PAN and submit proof (in case of a new address). You should provide at least 10 days for the change of address to take effect with all the Mutual Funds with whom you are invested. Please note that you should not write to the Mutual Fund or its Registrar for the change of address (unless as a designated PoS). The specified form can be obtained from the AMFI/Mutual Fund/CDSL website. All details of the holders in the Mutual Fund records will be replaced by the address details available in the CVL record.
user
Once I have registered, how long does it take for Verified by Visa / MasterCard SecureCode to become active for my card

assistant
The Verified by Visa / MasterCard SecureCode gets activated for your HDFC Bank Card as soon as your registration is successful. You can start shopping at participating stores once you are registered with the added security of Verified by Visa/MasterCard SecureCode.
user
Will I get an online confirmation of my transactions

assistant
An order once placed will be confirmed immediately. The confirmation of units bought or sold will be done by the AMC / Registrar only on the next working day.
user
What is EMI

assistant
EMI stands for Equated Monthly Installments.
user
When is TDS deducted for 5 Year Tax Saving Fixed Deposit

assistant
TDS is deducted every time the Bank pays/re-invests interest during the Financial year. In addition TDS is also deducted on interest accrued(but not yet paid) at the end of financial year viz. 31st March.