Hsbc-online-trading-india

Hsbc-online-trading-india

Pilihan-strategi sederhana
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Tumbuh bisnis tidak berkeliaran Kami dapat membantu Anda mencapai tujuan dan ambisi Anda dengan jangkauan fasilitas kredit dan pinjaman kami. Fokus pada artikel yang memberikan wawasan dari bisnis, pemimpin senior HSBC dan pakar insider. Janji Tarif Terbaik Janji Tarif Terbaik Dengan Rekening Giro Bisnis Kami. Its Big Little Thing. Update Ekonomi Inggris Webcast Inggris Update Ekonomi Webcast Dengarkan bagaimana peristiwa global terkini dapat mempengaruhi bisnis Anda Kesinambungan bisnis dalam menghadapi risiko Kesinambungan bisnis dalam menghadapi risiko Mengambil waktu untuk merencanakan kelangsungan bisnis dapat membayar dividen Tumbuh usaha tidak berkeliaran Bisnis yang berkembang tidak bertahan Sekitar Kami dapat membantu Anda mencapai cita-cita dan ambisi Anda dengan jangkauan fasilitas kredit dan pinjaman kami. Akses global, dalam jangkauan Jangkauan global yang tak tertandingi 45 perdagangan di lebih dari 30 pasar Investasi global 45 Kami adalah satu dari sedikit broker investasi online mandiri di Kanada dengan akses ke lebih dari 30 pasar internasional secara online dan melalui telepon. Nikmati perdagangan online di Kanada, A.S. Hong Kong, London, Paris dan Frankfurt. Anda juga bisa menyelesaikan transaksi dalam 10 mata uang yang berbeda. Komisi terbaik di kelas 45 berdagang secara online dengan harga serendah 6,88 1 Pilihan yang dipilih 45 Manfaat secara otomatis dari HSBC InvestDirect Preferred Pricing. Termasuk perdagangan Amerika Utara dengan harga terendah 6,88 dan 20 diskon untuk perdagangan telepon internasional Komisi kelas terbaik 45 Nikmati perdagangan biaya tetap HK288 2 untuk semua perdagangan online Hong Kong Penawaran perbankan dan broker eksklusif yang eksklusif Nikmati harga eksklusif dan penawaran khusus perbankan eksklusif kami. Dengan aset gabungan Anda di HSBC Industry terkemuka yang mendukung 45 penghargaan dan alat kelas dunia Penghargaan pengalaman layanan klien pemenang 45 Pemenang Penghargaan Layanan DALBAR 2015, 2014, 2013 dan 2012. Mengalami dukungan dan keahlian yang luar biasa dari Perwakilan Investasi HSBC, tersedia dalam perangkat dan riset kelas bahasa Inggris, Prancis, Mandarin, dan Kanton. 45 Mengakses alat investasi yang komprehensif untuk mengelola portofolio Anda: Menganalisis pasar, mengidentifikasi tren investasi dengan alat investasi terkemuka di industri Membangun Anda Pengetahuan investasi dengan laporan ekuitas yang mendalam dari Standard Poors dan laporan reksa dana dari quote Morningstar Access dan alert berita agar tetap up-to-date mengenai kinerja portofolio Anda dan pasar keuangan dunia Kemudahan dan kehandalan 45 memantau pasar global dan mengelola akun Anda 247 Cepat dan dapat diandalkan 45 Melaksanakan instruksi perdagangan online Anda dalam hitungan detik di bursa Amerika Utara dan global, termasuk Bursa Hong Kong 3 Pribadi dan aman 45 Menjamin perlindungan akun Anda dari akses yang tidak sah dengan HSBC InvestDirects Security Guarantee HSBC InvestDirect adalah divisi dari HSBC Securities (Canada) Inc. sepenuhnya dimiliki Anak perusahaan dari, namun entitas terpisah dari, HSBC Bank Canada. HSBC Securities (Canada) Inc. adalah anggota Organisasi Regulasi Industri Investasi Kanada dan Dana Perlindungan Investor Kanada. Tentang DALBAR Inc: Sebagai firma strategi dan firma jasa keuangan terkemuka di dunia, DALBAR Inc. membantu perusahaan terkemuka mengembangkan, membangun, dan mengoperasikan bisnis yang kuat yang memberikan pertumbuhan nilai pemegang saham yang berkelanjutan. DALBARs teknik desain bisnis proprietary, dikombinasikan dengan pengetahuan industri dan keahlian riset khusus, memungkinkan perusahaan mengantisipasi perubahan dalam prioritas pelanggan dan lingkungan yang kompetitif, dan kemudian merancang bisnis mereka dan memperbaiki operasi untuk memanfaatkan peluang yang diciptakan oleh perubahan tersebut. Perusahaan ini melayani klien di Amerika dan Eropa. Peringkat DALBAR Direct Brokerage Service Award tahunan didasarkan pada evaluasi layanan telepon dan email yang dilakukan selama tahun kalender, mengukur kualitas kinerja perusahaan dalam pengetahuan produk, profesionalisme dan kemampuan mereka untuk memberikan layanan bernilai tambah. 1 Tersedia pada perdagangan ekuitas online di pasar Amerika Utara. Sesuai dengan kondisi. 2 Komisi HK288 berlaku untuk perdagangan antara HK0-1,999,999. Untuk perdagangan HK2,000,000 amp diatas, komisi 0,10 berlaku. Lihat Komisi Perdagangan Global untuk lebih jelasnya. 3 Tunduk pada jam pasar. Cookies diaktifkan Situs web ini (termasuk platform perbankan online kami) menggunakan cookies untuk memantau aktivitas Anda. Untuk mempelajari lebih lanjut tentang bagaimana cookie digunakan di situs ini, kunjungi bagian cookie dari Kode Privasi kami. Untuk menyisih dari cookie yang digunakan di situs ini klik di sini Syarat dan Ketentuan Aturan Akun Sebagai pemegang rekening dengan HSBC, Anda mendapat keuntungan dari sejumlah layanan, masing-masing dirancang untuk mempermudah pengoperasian akun Anda. Dengan berbagai transaksi dan banyak fitur spesial untuk dinikmati, Anda akan menemukan perbankan dengan HSBC sebagai pengalaman yang menyenangkan. Silakan baca terus untuk mengetahui lebih lanjut tentang bagaimana Anda dapat memaksimalkan keuntungan dari memegang rekening di HSBC. Rekening Koran Membuka rekening Giro dapat dibuka oleh perorangan, kepemilikan perseorangan, perusahaan kemitraan, perusahaan publik, perusahaan terbatas publik, asosiasi, klub, masyarakat, trust atau institusi lainnya, setelah diperkenalkan dengan cara yang memuaskan kepada Bank. Akun dapat dibuka baik sendiri atau bersama-sama, dengan satu atau lebih orang yang diizinkan oleh pedoman peraturan. Rekening gabungan dapat dioperasikan baik bersama-sama maupun dengan yang diatur dalam Bank. Pengaturan yang diputuskan juga akan berlaku bagi korban selamat. Pemegang rekening juga dapat memberi kuasa kepada seseorang untuk mengoperasikan akunnya atas nama mereka, dengan memberikan Kuasa untuknya kepadanya. Sejalan dengan persyaratan RBI, foto ukuran paspor dari semua pemegang lisensi yang berwenang harus diserahkan ke Bank beserta dokumentasi lainnya untuk membuka rekening baru (seperti yang didefinisikan dalam Formulir Pembukaan Rekening). 1. Penarikan tunai hanya dilakukan pada slip slip yang dipasok oleh Bank dan atau melalui Automated Teller Machines (ATM). Bank berhak untuk menerapkan biaya layanan berdasarkan jumlah transaksi yang dilakukan selama bulan sesuai Tarif. Rekening tidak boleh terlalu banyak atau harus dilakukan pengecekan terhadap dana pada saat realisasi kecuali jika ada kesepakatan khusus dengan Bank. 2. Anda dapat melakukan penarikan dari Rekening Giro Anda di loket kami selama jam kerja cabang kami. 3. Sebelum penarikan, Anda harus menghasilkan bukti identitas yang memuaskan, jika diminta oleh kami, dan bukti otoritas Anda. 4. Pembayaran ke Pihak Ketiga: Pembayaran oleh kami kepada seseorang yang menghasilkan bukti identitasnya yang memuaskan dan, jika diminta oleh kami, formulir penarikan yang tampaknya ditandatangani atau dicincang oleh Anda atau sesuai dengan otorisasi Anda memiliki efek yang sama seperti jika dibuat Untuk Anda secara pribadi Dengan melakukan pembayaran itu, kami melepaskan semua kewajiban kami kepada Anda atau orang lain sehubungan dengan jumlah yang dibayarkan. Hutang bunga atas saldo kredit dalam giro ditentukan oleh peraturan suku bunga RBI dan saat ini tidak ada bunga yang terutang pada saldo kredit dalam giro. Simpanan di rekening tidak menarik minat apapun. Nasabah akan membayar kembali kepada Bank atas permintaan dan jumlah cerukan yang mungkin akan diberikan Bank dari waktu ke waktu di akun bersamaan dengan bunga yang timbul di dalamnya. Hal ini seharusnya tidak ditafsirkan sebagai kesepakatan, baik tersurat maupun tersirat, bahwa Bank terikat untuk memberikan fasilitas cerukan apapun. Untuk rekening yang ditarik, bunga dikenakan tingkat bunga yang berlaku pada saldo yang beredar di rekening. Dengan tidak adanya pengaturan khusus, Bank tidak diharuskan untuk menghormati cek yang ditarik oleh pemegang rekening jika dengan demikian akun tersebut akan menjadi terlalu banyak dan dalam keadaan ini Bank berhak mendebet rekening dengan tagihan untuk setiap cek yang dikembalikan. . Tabungan HSBC Rekening tabungan mungkin dibuka oleh satu atau lebih orang yang disetujui oleh Bank. Tabungan hanya bisa dibuka oleh nirlaba yang membuat Trusts Hindu Undivided Families selain individu. Rekening gabungan dapat dioperasikan baik bersama-sama maupun dengan yang diatur dalam Bank. Pengaturan yang diputuskan juga akan berlaku bagi korban selamat. Pemegang rekening juga dapat bersama-sama memberi kuasa kepada seseorang untuk mengoperasikan akun atas nama mereka dengan memberikan Surat Kuasa untuk rekening tersebut. Sejalan dengan persyaratan RBI, foto ukuran paspor dari semua pemegang rekening harus diserahkan ke Bank beserta dokumentasi lainnya untuk membuka akun baru. 1. Penarikan tunai hanya dilakukan pada formulir cek tercetak yang disediakan oleh Bank atau melalui ATM. Bank berhak untuk menerapkan biaya layanan yang ditetapkan sebagaimana dimaksud dalam Tarif Cetak. Rekening tidak boleh terlalu banyak atau tidak harus dicekal terhadap dana dalam proses realisasi. 2. Apabila Rekening Tabungan ditutup selama suatu periode bunga baik oleh Anda atau oleh kami untuk alasan apapun, bunga dibayarkan hanya sampai hari kalender terakhir sebelum penutupan. 3. Anda dapat melakukan penarikan dari Rekening Tabungan Anda di loket kami selama jam kerja cabang kami. 4. Sebelum penarikan, Anda harus menghasilkan bukti identitas Anda yang memuaskan, jika diminta oleh kami, dan bukti otoritas Anda. 5. Pembayaran ke Pihak Ketiga: Pembayaran oleh kami kepada seseorang yang menghasilkan bukti identitasnya yang memuaskan dan, jika diminta oleh kami, formulir penarikan yang tampaknya ditandatangani atau dicincang oleh Anda atau sesuai dengan otorisasi Anda memiliki efek yang sama seperti jika dibuat Untuk Anda secara pribadi Dengan melakukan pembayaran itu, kami melepaskan semua kewajiban kami kepada Anda atau orang lain sehubungan dengan jumlah yang dibayarkan. Dengan berlaku mulai 1 April 2010, bunga atas rekening tabungan akan dihitung berdasarkan produk sehari-hari. Bunga akan dikreditkan ke akun Anda setiap tiga bulan sesuai dengan Arah Arah RBI pada Interest on Deposito pada tanggal 03 Maret 2016 mulai berlaku pada tanggal 01 Juli 2016. Nasabah berkewajiban membayar kembali pokok pinjaman dan bunga atas rekening cerukan mereka dimana bank dapat Berikan mereka dari waktu ke waktu. Hal ini tidak boleh dianggap sebagai kesepakatan, baik tersurat maupun tersirat, bahwa Bank terikat untuk memberikan fasilitas cerukan apapun. Dengan tidak adanya pengaturan khusus, Bank tidak diharuskan untuk menghormati cek yang ditarik oleh pemegang rekening jika dengan demikian akun tersebut akan menjadi terlalu banyak dan dalam keadaan ini Bank berhak mendebet rekening dengan tagihan Untuk setiap cek kembali. Rekening Giro dan Tabungan Deposit minimum awal untuk membuka rekening adalah sesuai tarif tingkat proposisi kami saat ini. Saldo minimum rata-rata sesuai tarif kami saat ini harus selalu dijaga, gagal jika biaya layanan akan dikenakan seperti yang ditunjukkan dalam tarif tingkat proposisi masing-masing. Bank berhak untuk menutup setiap saat setiap akun dimana saldo minimum tidak dipelihara dengan pemberitahuan 30 hari sebelumnya kepada pemegang rekening. Cek, waran dividen dan instrumen lainnya atas nama pemegang rekening akan dikumpulkan tetapi yang menguntungkan para penerima pembayaran selain pemegang rekening tidak akan diterima untuk penagihan. Penutupan Akun Pemutusan Akun Variasi Ketentuan - 1. Bila akun ditutup oleh penyusun atau oleh Bank, konstituen diminta mengembalikan Kartu Debit Kartu ATM dan semua cek yang tidak terpakai ke Bank. Penutupan akun juga memerlukan tanda tangan semua pemegang rekening. 2. Tagihan sesuai Tarif kami saat ini akan dipulihkan dari pemegang rekening sebelum berakhirnya jumlah bulan yang ditentukan sejak tanggal pembukaan akun. 3. Resolusi dewan diharuskan diajukan untuk penutupan Rekening Perusahaan. 4. Dalam hal pengembalian cek sering, Bank berhak menutup rekening dengan pemberitahuan 30 hari sebelumnya kepada pemegang rekening. 5. Semua mitra diharuskan menandatangani penutupan akun kemitraan. Transfer Dana ATM - 1. Nasabah dapat memberi kuasa kepada Bank untuk mentransfer dana dari rekeningnya ke penerima pihak ketiga sebagaimana ditentukan dalam pengoperasian ATM, sesuai dengan kebijakan Bank. Bank dapat, atas pertimbangannya sendiri, mencabut sementara atau menghentikan fasilitas transfer dana ATM dengan tidak adanya pemberitahuan kepada pelanggan. Bank berhak mengubah batas maksimum transfer dana per hari melalui ATM dengan tidak adanya pemberitahuan kepada nasabah. 2. Kami memiliki hak untuk menangguhkan atau menghentikan semua atau sebagian Layanan, akun satu atau lebih jika kami berpendapat bahwa salah satu kejadian berikut terjadi atau berlanjut, yang segera berlaku dengan memberi pemberitahuan kepada Anda setiap saat. (Kecuali bahwa tidak ada pemberitahuan yang perlu diberikan dalam kasus yang dijelaskan pada paragraf (f) di bawah): a) Anda gagal membayar jumlah yang harus dibayar dan dibayarkan oleh Anda atau melakukan kewajiban lainnya sehubungan dengan Layanan, Akun, atau jika Anda Melanggar salah satu ketentuan dalam Syarat dan Ketentuan ini atau Peraturan yang Berlaku b) sebuah permohonan dalam kebangkrutan, penutupan atau dimulainya proses yang analog diajukan terhadap Anda c) perintah atau permintaan hukum mengikat Akun, Akun atau apapun Akun atau aset lain yang disimpan atau disimpan oleh Anda d) ada perselisihan atau persidangan antara Anda sehubungan dengan Layanan, Akun atau Akun (di mana Layanan, Akun apa pun diberikan kepada dua orang atau lebih) e) Akun dihentikan Untuk alasan apapun atau f) acara lain (termasuk Peraturan yang Berlaku) yang, menurut pendapat kami, membuat penangguhan atau penghentian Layanan, Akun apa pun yang diperlukan atau dianjurkan. 3. Kami memiliki hak untuk memvariasikan Persyaratan dan Ketentuan ini (termasuk biaya dan biaya) dan persyaratan dan ketentuan lainnya yang mengatur Layanan, Fitur, Tingkatan, atau Akun apa pun dari waktu ke waktu dengan pemberitahuan kepada Anda melalui tampilan di tempat kami. Atau situs kami atau dengan cara apapun yang kami anggap tepat. Anda akan terikat oleh variasi jika kami tidak menerima pemberitahuan dari Anda untuk menutup Akun yang berlaku sebelum tanggal variasi tersebut berlaku. 4. Jika semua atau sebagian Layanan, atau Akun ditangguhkan atau dihentikan karena alasan apa pun oleh Anda atau oleh kami, sementara Anda diminta untuk kembali ke Bank, kartu kartu debit ATM yang dikeluarkan di rekening dan juga Semua cek yang tidak terpakai, kami memiliki hak untuk melakukan hal-hal berikut: - a) membatalkan Instruksi yang belum kami lakukan pada saat penangguhan atau penghentian b) menyelesaikan transaksi yang telah kami lakukan atas nama Anda sebelum penangguhan atau penghentian C) melaksanakan hak-hak kami di bawah penetapan 5. Setiap permintaan penghentian sebuah rekening oleh pelanggan harus ditandatangani oleh semua pemegang saham gabungan. Dalam hal rekening perusahaan kemitraan, permintaan penutupan harus ditandatangani oleh semua mitra dan dalam hal badan hukum, permintaan tersebut harus disertai dengan resolusi yang sesuai yang disahkan oleh komite dewan yang sesuai. 6. Bahkan setelah penangguhan atau penghentian semua atau sebagian Layanan, atau Akun apa pun, Anda tetap bertanggung jawab untuk melakukan dan melaksanakan kewajiban atau kewajiban Anda yang timbul atau timbul sebelum penangguhan atau penghentian. Deposito Berjangka HSBC 1. Informasi mengenai berbagai jenis rekening simpanan tetap, mata uang dimana simpanan ini dapat dipertahankan, masa kerja dimana deposito tersebut dapat dipelihara dan lain-lain diterbitkan di situs Bank dan juga ditampilkan pada pemberitahuan cabang Papan dan tersedia atas permintaan di cabang Bank. Rekening deposito tetap akan dibuka dengan ID pelanggan setelah menerima formulir aplikasi yang telah diisi oleh pelanggan. Petunjuk selanjutnya untuk penempatan deposito tetap dengan cara didebet ke rekening giro tabungan dengan instruksi penandatangan yang serupa dapat diberikan dengan mengirimkan surat yang menyebutkan informasi yang relevan. Deposito tersebut akan ditempatkan di bawah ID pelanggan yang sama dengan rekening giro tabungan yang relevan kecuali ditentukan lain. Deposito tetap hanya dapat ditempatkan dalam mata uang semacam itu dan dengan setoran awal minimum tersebut sehubungan dengan jangka waktu jatuh tempo yang ditetapkan oleh Bank dari waktu ke waktu dan hal ini pada gilirannya tunduk pada pedoman RBI. 2.Di mana Bank menerima instruksi untuk menempatkan setoran tetap dengan izin cek yang disetorkan oleh nasabah, Bank akan memberi nilai tanggal setoran tetap ke tanggal dimana dana diterima oleh Bank setelah dikeluarkannya cek 3. Bank berhak untuk memvariasikan tingkat suku bunga yang ditawarkan dari waktu ke waktu sesuai kebijakan Bank yang ditampilkan di tempat Bank dan dan dipublikasikan di situs web Bank dan atau diiklankan di media Semua penempatan, perpanjangan dan penarikan deposito tetap dapat diterima Hari kerja dan jam kerja yang ditetapkan oleh Bank dari waktu ke waktu. 4. Jika Anda memberikan Instruksi untuk memperpanjang secara otomatis deposit, tingkat bunga yang berlaku pada tanggal jatuh tempo akan menjadi tingkat suku bunga untuk jangka waktu yang diperbarui 5. Anda harus memberikan Instruksi (termasuk Instruksi Perubahan) mengenai pelepasan dana pada saat jatuh tempo Deposit tetap setidaknya satu hari kerja sebelum tanggal jatuh tempo. Anda dapat memberikan Instruksi tersebut dengan surat yang ditandatangani oleh semua pemegang deposito tetap, atau instruksi otentik yang diotentikasi melalui Internet Banking atau PhoneBanking jika hal yang sama diizinkan sesuai dengan modus pengoperasian akun atau cara lain yang dapat diterima oleh kami. . 6. Jika kami tidak menerima instruksi pembuangan jatuh tempo sehubungan dengan deposito tetap Anda pada saat jatuh tempo, deposito tetap akan diperpanjang secara otomatis pada saat jatuh tempo untuk jangka waktu yang sama dengan deposito tetap jatuh tempo. Dalam kasus deposito tetap kumulatif, akumulasi bunga akan ditambahkan ke pokok pinjaman dan diperbaharui bersamaan dengan prinsip pokok, tergantung peraturan yang ada dalam hal ini. 7. Dalam kasus Deposito Berjangka kumulatif, bunga digabungkan setiap triwulan pada tingkat yang ditentukan dan dibayarkan ke pemegang rekening beserta pokok pinjaman pada akhir periode. 8. Jika tanggal jatuh tempo deposito berjangka jatuh pada hari selain hari kerja di India, setoran tetap harus dibayarkan pada hari kerja berikutnya. Atas permintaan nasabah, Bank dapat memutuskan untuk membayar setoran tetap sebelum jatuh tempo dengan hal-hal sebagai berikut: - i) Dalam hal pemegang rekening gabungan penarikan dini deposito akan memerlukan otorisasi oleh semua pemegang rekening. Ii) Deposito Rupee yang tersimpan dalam Rekening Dalam Negeri - Dalam hal simpanan kumulatif, bunga digabungkan setiap triwulan dan dasar perhitungan bunga 28-31365. Untuk deposito berjangka dengan tenor kurang dari tiga bulan atau di mana kuartal terminal tidak lengkap, bunga dihitung secara proporsional untuk jumlah hari sebenarnya yang menghitung tahun 365 hari (365 hari untuk tahun kabisat). Dalam kasus simpanan non-kumulatif, bunga Dibayarkan setiap tiga bulan atau setengah tahunan seperti yang disukai oleh pelanggan. Hal ini berlaku efektif untuk semua Deposito Berjangka yang diperbaharui pada atau setelah 20 Januari 2009. 9. Bank, atas permintaan dari deposan, akan memungkinkan penarikan setoran tetap sebelum periode penyelesaian deposit yang disetujui pada saat penempatan deposito Untuk denda penarikan dini deposit tetap mungkin dari waktu ke waktu. Bunga dibayarkan satu persen lebih rendah dari kurs yang berlaku pada tanggal penempatan deposito yang berlaku untuk jumlah dan jangka waktu penyetoran tersebut berada pada bank yang tidak dengan tingkat kontrak. Tidak ada bunga yang akan dibayarkan untuk penarikan dini deposit yang tetap pada Bank kurang dari periode minimum dimana deposit diterima untuk jenis uang dan jenis deposito tersebut, seperti pada tanggal penempatan deposito. Dalam hal deposito tetap dalam mata uang asing, dimana tidak ada bunga yang terutang pada saat penarikan sebelum masa berlaku deposito minimum, Bank dapat, atas kebijakannya sendiri, mengenakan denda untuk menutupi biaya swap, jika diizinkan berdasarkan peraturan yang ada. 10. Pemegang deposito pertama hanya akan dianggap sebagai pemilik simpanan tetap dan dianggap sebagai penerima pembayaran potongan pajak penghasilan dari beberapa sumber (TDS) dari bunga deposito tersebut. Penting bagi pemegang rekening bersama untuk memberikan rincian PAN kepada bank agar tidak mengurangi pajak dengan tarif lebih tinggi. Jika pemegang rekening pertama bukan penerima manfaat pemilik tunggal yang menguntungkan, maka semua pemegang rekening harus memberikan nomor PAN masing-masing dan mengajukan sebuah deklarasi secara tertulis dengan memberikan rincian pembagian proporsi pendapatan bunga tersebut. 11. a). TDS, apabila jatuh tempo dan berlaku akan dikurangkan sesuai dengan ketentuan Undang-Undang Pajak Penghasilan, 1961 dan Aturan-aturan di bawahnya yang berlaku. TDS tersebut harus dipulihkan dari penyimpanan simpanan dan deposit ac (s). Harap tentukan akun dari jumlah TDS yang akan dikurangkan untuk semua akun yang ada. Harap juga berikan rincian akun yang ditunjuk sebagai dan saat Anda memperbarui deposit tambahan dengan HSBC India. Untuk deposit kumulatif, jika tidak ada penunjukan akun atau kekurangan dana di rekening yang ditunjuk, atau jika Anda hanya menyimpan rekening deposito kumulatif di HSBC India, TDS (jika ada) akan dipulihkan dari Bunga yang terakumulasi sampai dibayar. Di deposit Untuk deposito biasa NRO, dengan tidak adanya pengembalian dari Anda untuk penetapan akun yang berlaku untuk pemulihan TDS atau jika rekening yang ditunjuk kehabisan dana, HSBC India akan memulihkan TDS (jika ada) dari akun yang ditunjuk untuk menerima Interim Bunga deposito. Jika Anda hanya menyimpan rekening deposito berjangka NRO biasa di HSBC India. HSBC India akan memulihkan TDS (jika ada) dari hasil sementara bunga jatuh tempo (mana saja yang lebih awal) atau dari hasil pencairan (dalam kasus pencairan pra-jatuh tempo) dari deposit. Silahkan hubungi cabang kami dan kirimkan dokumen-dokumen yang diperlukan jika TDS yang lebih rendah berlaku sebagaimana ditentukan oleh perjanjian pajak yang relevan. Dokumen-dokumen ini harus diserahkan bersamaan dengan Formulir Pembukaan Rekening dan juga sebelum dimulainya setiap tahun keuangan yang baru. HSBC India berhak menolak klaim semacam itu jika persyaratan masing-masing tidak dipatuhi. Oleh karena itu setiap klaim pengembalian TDS yang dikirim ke Pemerintah India akan langsung dilakukan dengan Pemerintah India dan HSBC India tidak akan bertanggung jawab dengan cara apapun. B) Individu yang ingin memanfaatkan pengecualian dari TDS harus menyerahkan formulir yang telah diisi dalam 15G15H sebagaimana berlaku pada bank. Pembebasan tersebut dari TDS akan berlaku mulai bulan berikutnya dari tanggal pengajuan Formulir 15G15H. Untuk setiap tahun keuangan individu perlu mengirimkan Formulir 15G15H baru. 12. Formulir 15 G Bank HSBC (bank) akan membagikan nomor identifikasi unik ke semua Formulir No. 15G yang diterima selama seperempat tahun buku dari pelanggan. Bank tersebut akan melaporkan jumlahnya bersamaan dengan rincian yang ditentukan dalam pernyataan TDS yang dilengkapi untuk kuartal tersebut kepada otoritas Pajak Penghasilan. Dalam hal Formulir No.15H juga telah diterima pada kuartal yang sama, bank tersebut akan membagikan seri nomor identifikasi unik yang terpisah dengan Formulir No.15H. Bank tidak akan menerima deklarasi dimana jumlah pendapatan melebihi jumlah maksimum yang tidak dikenakan pajak. Untuk menentukan kelayakan, bank diwajibkan untuk memverifikasi pendapatan yang dilaporkan oleh pelanggan di kolom 16 dan 18 dalam bentuk 15G. 13. Formulir 15 H Bank akan membagikan nomor identifikasi unik ke semua Formulir No. 15H yang diterima selama seperempat tahun buku dari pelanggan. Bank akan melaporkan jumlahnya bersamaan dengan rincian yang ditentukan dalam pernyataan TDS yang disediakan untuk kuartal tersebut, kepada otoritas Pajak Penghasilan. Dalam hal Formulir No.15G juga telah diterima pada kuartal yang sama, bank tersebut akan membagikan seri nomor identifikasi unik yang terpisah dengan Formulir No.15G. Bank tidak boleh menerima pernyataan di mana jumlah pendapatan melebihi jumlah maksimum yang tidak dapat dikenakan pajak setelah mengizinkan i) pengurangan sebagaimana diperbolehkan berdasarkan Undang-Undang Pajak Penghasilan di bawah Bab VI-A ATAU ii) menimbulkan kerugian, jika ada, Di bawah pendapatan kepala dari properti rumah dimana pelanggan memenuhi syarat. Untuk menentukan kelayakan, bank diwajibkan untuk memverifikasi pendapatan atau jumlah pendapatan keseluruhan, seperti kasusnya, yang dilaporkan oleh pelanggan di kolom 15 dan 17 dalam bentuk H. Persyaratan untuk mengirimkan salinan fisik Formulir 15G dan 15H oleh Bank kepada otoritas Pajak Penghasilan telah dibagikan. Bank akan, bagaimanapun diminta untuk mempertahankan Formulir No.15G dan 15H selama tujuh tahun. 14. Dalam hal Pemegang Rekening Bersama dimana salah satu pemegang rekening adalah Warga Negara Senior, mohon dicatat bahwa Suku Bunga Penjaminan Senior Senior Citizen hanya berlaku jika Warga Senior adalah pemegang I pada Deposito Berjangka tersebut. Warga negara senior didefinisikan sebagai orang di atas usia 60 tahun. 15. Simpanan yang dimiliki oleh anak di bawah umur tunduk pada TDS. Kredit untuk TDS dapat diklaim oleh orang yang memiliki penghasilan di bawah umur. Rekening Non-Residen 1. Skema Bank NRI Deposit Accounts hanya untuk orang India yang bukan penduduk saja. Istilah Non-Residen India mengacu pada warga negara India dan pemegang paspor asing asal India. Mereka termasuk pasangan warga negara India dan setiap individu yang orang tua atau kakek neneknya tinggal di India yang terbagi. 2. Semua simpanan, apakah tabungan, deposito saat ini atau deposito ditempatkan pada Bank berdasarkan peraturan Reserve Bank of India (RBI), dan diatur oleh undang-undang yang berlaku dari waktu ke waktu dan harus dibayar hanya di cabang dimana Deposito dibuat 3. Deposito akan diterima dengan skema RBIs FCNR (B) dalam dolar AS, Poundsterling, Yen Jepang, EURO, Dolar Kanada dan Dolar Australia. Semua simpanan lainnya dapat ditender dalam mata uang lain yang dapat diterima tetapi dipertahankan dalam Rupee India. 4. Bank berhak menolak aplikasi deposito tanpa memberikan alasan apapun. 5. Simpanan yang ditetapkan dengan hasil cek akan diberi nilai setelah tanggal izin. 6. Bank tidak berkewajiban untuk menerima atau melunasi setoran tersebut secara tunai. 7. Mata uang asing yang setara dengan pokok pinjaman dan bunga atas deposito dan rekening Rupee yang dapat dipulihkan dapat meningkat atau menurun tergantung pada fluktuasi nilai tukar mata uang asing. 8. Rekening Non-Residen (NRENRO dan FCNR) dibuka dengan Bank untuk dioperasikan dan dikelola dengan tujuan untuk melakukan transaksi bonafide dalam Rupee dan mata uang yang diizinkan (sebagaimana dapat ditunjuk oleh Reserve Bank dari waktu ke waktu) sesuai dengan ketentuan Dari Foreign Exchange Management Act, 1999 (UU) dan peraturan perundang-undangan yang dibuat di bawahnya. Pembukaan, operasi dan pemeliharaan akun tersebut tidak bertentangan atau melanggar ketentuan Undang-undang dan peraturan perundang-undangan yang dibuat di bawahnya. 9. Pemegang rekening diminta untuk mengumumkan sumber dana transaksi yang dilakukan pada akun NRE NRO FCNR agar Bank dapat memvalidasi hal yang sama sesuai dengan peraturan peraturan yang berlaku yang berlaku dari waktu ke waktu. 10. NRI PIO, atas penyampaian bukti dokumenter, dapat mengirimkan sampai satu juta dolar AS, per tahun keuangan dari saldo dalam akun Non-Resident Ordinary (NRO) mereka dari penjualan melalui penjualan aset yang diperoleh di India melalui warisan atau warisan. Namun, remitansi tersebut harus dilakukan dari saldo pengingat yang ada di akun NRO yang timbul dari piutangnya yang sah di India dan bukan dengan meminjam dari orang lain atau transfer dari akun NRO lainnya. Anda diminta untuk memberikan pernyataan yang sama. Perhatikan bahwa ketidakpatuhan terhadap pedoman tersebut akan membuat Anda bertanggung jawab atas tindakan pidana berdasarkan Foreign Exchange Management Act (FEMA). Jenis Akun NRE: Untuk didanai dengan pengiriman uang dari luar negeri atau ditransfer dari akun FCNR NRE lainnya. Kredit lokal tidak diizinkan. Baik pokok maupun minat sepenuhnya dapat dipulangkan. Mereka dapat disimpan sebagai Tabungan, Rekening Giro atau Deposito Berjangka. Akun NRO: Akun ini dapat didanai dengan pengiriman uang dari luar negeri atau melalui sumber lokal. Bunga yang terutang pada Deposito Tetap dapat dipulihkan setelah dikurangi pajak di sumbernya. Kepala sekolah tidak dapat dipulangkan. Akun ini dapat disimpan sebagai Rekening Tabungan, Rekening Giro atau Deposito Tetap. Pelanggan non-residen sekarang dapat membuka akun Non Resident Ordinary dengan penduduk sebagai pelamar kerja berdasarkan Bekas atau Aman. NRI dan and PIO dapat menahan akun NRO bersama-sama dengan NRI dan and PIO lainnya. Mandat operasi mantan atau yang selamat mengizinkan hanya pemegang pertama yang mengoperasikan akunnya selama masa hidupnya. Pada saat kedaluwarsa pemegang pertama, pemegang lainnya yaitu orang-orang yang selamat diizinkan untuk mengoperasikan akun tersebut. FCNR-B (Deposito Berjangka): Rekening ini hanya dapat dimiliki dalam mata uang asing. Dapat didanai dengan pengiriman uang dari luar negeri atau melalui transfer dari akun NRE. Baik pokok maupun minat sepenuhnya dapat dipulangkan. Rekening Deposito Tetap 1. Bank menerima Rekening Giro Valuta Asing atau Valuta Asing dari NRI (perorangan) dalam bentuk deposito NRE, NRO, FCNR untuk periode dan mata uang tetap. Rincian tentang berbagai periode, suku bunga terkini dan deposito minimum tersedia atas permintaan. 2. Tingkat bunga yang harus dibayar atas deposit yang ditentukan oleh Bank tunduk pada arahan yang mungkin menjadi masalah oleh Reserve Bank of India dari waktu ke waktu. 3. Dalam kasus Deposito Berjangka kumulatif, bunga digabungkan pada kuartalan berada pada tingkat yang ditentukan untuk deposit uang lokal dan pada setoran setengah tahunan untuk deposito mata uang asing dan dibayarkan ke pemegang rekening beserta prinsipal pada akhir jangka waktu . 4. Minat pada Deposito reguler biasa dibayarkan ke pemegang rekening setiap triwulan dalam hal setoran dana mata uang lokal dan setoran setengah tahunan untuk setoran valuta asing dan dibayarkan ke pemegang rekening beserta pokok pinjaman pada akhir periode. 5. Bunga tidak dikenakan pajak dalam hal Deposito Tetap NRE dan FCNR dimiliki oleh perorangan. Dalam kasus deposito NRO, pajak dikurangkan pada sumber pada tingkat 30,9. 6. Setoran akan diperpanjang secara otomatis pada tanggal jatuh tempo untuk periode yang sama dengan tarif bunga yang berlaku yang berlaku pada tanggal jatuh tempo kecuali jika instruksi sebaliknya diterima dari deposan oleh Bank. Perpanjangan tersebut akan sesuai dengan ketentuan skema Reserve Bank of India yang berlaku pada saat pembaharuan. 7. Tidak ada bunga yang harus dibayar, dimana penarikan dini deposito dilakukan sebelum selesainya periode minimum yang ditentukan oleh RBI. Sesuai RBI, Periode minimum yang ditetapkan untuk NRE dan FCNR adalah 1 tahun sedangkan untuk NRO adalah 07 hari. 8. Dalam hal deposit FCNR (B), penarikan dini akan dikenai denda sebagaimana ditentukan oleh Bank dari waktu ke waktu karena pergerakan suku bunga dan pergerakan biaya swap. 9. Deposito Rupee yang disimpan di rekening NRE (NRO) dan Non-Residen (Eksternal) - Jika deposit kumulatif, bunga digabungkan setiap triwulan dan dasar perhitungan bunga 28-31365. Untuk deposito berjangka dengan tenor kurang dari tiga bulan atau di mana kuartal terminal tidak lengkap, bunga dihitung secara proporsional untuk jumlah hari sebenarnya yang menghitung tahun 365 hari (365 hari untuk tahun kabisat). Dalam kasus simpanan non-kumulatif, bunga Dibayarkan setiap tiga bulan atau setengah tahunan seperti yang disukai oleh pelanggan. Hal ini berlaku efektif untuk semua Deposito Berjangka yang diperbaharui pada atau setelah 20 Januari 2009. Bunga deposito FCNR (B) yang diterima berdasarkan skema harus dibayar berdasarkan 360 hari sampai satu tahun. The interest on FCNR(B) deposits should be calculated and paid at intervals of 180 days each and thereafter for the remaining actual number of days.However, the depositor has will has the option to receive the interest on maturity with compounding effect. 10. The Bank, on request from a depositor, would allow withdrawal of a Fixed Deposit before completion of the period of the deposit agreed upon at the time of placement of the deposit subject to penalty on premature withdrawal of Fixed Deposit.as may be applicable. With effect from 01 October 2013, Non Resident ordinary (NRO) fixed Deposits will attract a penal rate of 1 on premature withdrawal for any value of fixed deposit deposit irrespective of the date of placement. The interest paid will be lower by the Penal Rate (as may be applicable to the value and date of placement of the Fixed Deposit as defined in the above table) than the rate prevailing on the date of placement of the deposit for the period for which the deposit remained with the Bank or the contractual rate, whichever is lower. No interest will be paid on premature withdrawals of deposit which has remained with the Bank for less than the minimum period for which deposits were being accepted for the said currency and deposit type, as on the date of placement of deposit. Foreign students studying in India who wishing to open a bank account in India can open a Non Resident Ordinary (NRO) account. Such students may open a NRO account on the basis of passport (with appropriate visa immigration endorsement) which contains the proof of identity and address in the home country along with a photograph and a letter offering admission from the educational institution and local Indian address proof. In case local Indian address proof is not available then, within a period of 30 days of opening the account, the foreign student should submit to the branch where the account is opened, a valid address proof giving local address, in the form of a rent agreement or a letter from the educational institution as a proof of living in a facility provided by the educational institution. The account operation during this 30 days period will be restricted to receiving credits of foreign remittances into the account and withdrawals can be done only at the branch counters. Further during the 30 day period, pending address verification, foreign remittances credit to the account will be limited to USD 1,000 and the withdrawal will be limited to Rs. 50,000. On submission of the proof of local Indian address, the account would be treated as a normal NRO account, and will be operated as per the terms and conditions for Non-Resident Ordinary Rupee (NRO) accounts. Senior Citizens 1. Withdrawals by cash or cheque: We have the right to pay any amount you withdraw from an Account by any one or more of the following methods: a) by cash payment in the currency of the Account b) by issuing to you a cheque drawn by us on any bank payable in the currency of the Account or c) by cash payment in Indian Rupees, converting (if necessary) the equivalent amount from the relevant foreign currency at our prevailing buying rate for our customers at the time of conversion 2. Cheque books are generally issued for savings or current accounts maintained in Rupees and may be subject to charges as specied in our tariff. 3. You are responsible for keeping your cheque books and cheques safe from loss, theft or unauthorised access or use, under lock and key or taking other safeguards as appropriate. 4. Applications for a new cheque book may be made by presenting a duly completed and signed cheque book requisition slip to the Bank or by any other means of written instructions duly signed by all fixed deposit holder(s) or thorough authenticated instructions through Internet Banking or PhoneBanking if the same is allowed as per the mode of operation of the account. The Bank may also, at its sole discretion, issue cheque books to the customer, without any request from the customer, if as per its records, the customer has substantially utilised the cheque leaves previously issued to the customer. New cheque books will be dispatched to the customer by post according to the address record kept by the Bank (or by such other means as determined by the Bank). The Bank assumes no responsibility for any delay or loss caused by any mode of dispatch. 5. We may, at our sole discretion, refuse to issue a cheque book on any account, which is not maintained satisfactorily (such as excessive cheque returns, etc. 6. Upon receipt of a cheque book or before use, you should check the cheque serial number, account number and your name printed on the cheques and the number of cheques, and report any irregularity to us as soon as reasonably practicable. 7. You cannot print cheque books or other payment instruments without our prior written approval. 8. As per the RBI circular on Prohibiting alterations corrections on cheques: No changes corrections should be carried out on the cheques (with an exception of date validation, if required). For any change in the payees name, courtesy amount (amount in figures) or legal amount (amount in words), etc. fresh cheque forms should be used by customers. This would help banks to identify and control fraudulent alterations. Any alteration on a cheque must be confirmed by full signature of the drawer, fai ling which the Bank may refuse payment of the cheque upon presentment. The customer acknowledges that the Bank will not be held responsible for losses arising from alterations which cannot be readily detected. Cheques drawn oncleared at locations which process cheques through Cheque Truncation System (CTS) for clearing of cheques, no changescorrections can be carried out on the cheques (other than for date validation purposes, if required). For any change in the payees name, courtesy amount (amount in figures) or legal amount (amount in words), fresh cheque leaves should be used by customers. In case a cheque is received with alteration correction (as defined above) for both cheque issuance and cheque deposit, it would be returned dishonored under image based cheque truncation system (CTS), which is currently operational in certain cities. This is not applicable to cheques cleared under other clearing arrangements such as MICR clearing, non-MICR clearing, over the counter collection(for cash payment) or direct collection of cheques outside the Clearing House arrangement. For a detailed list of cities where CTS is operational please refer the list below Delhi, Chennai, Bengaluru, Coimbatore, Kochi, Thiruvananthapuram, Hyderabad, Kolkata, Chandigarh, Ludhiana, Vishakhapatnam, Mysore, Mumbai, Ahmedabad Cheques should be drawn in Indian Rupees 9. You should delete the words OR BEARER and cross a cheque if you intend to deliver it other than in person To ensure correctness, cheques shall not be drawn by any means andor in any manner which may enable a cheque to be altered or may facilitate fraud or forgery. In particular: 10. you should write the amount, both in words and figures as close to each other and to the left hand margin as possible, in the spaces provided on the cheque so as to leave no space for adding other words or figures 11. you should add the word only after stating the amount in words 12. All cheques must be written in dark colour non-erasable ink or ball-point pen and be signed in conformity with the specimen signature registered with the Bank and (iv) The customer should comply with the conditions printed on the inside cover of cheque books. 13. You must report any loss, theft or unauthorised use of a signed cheque or a cheque book to us either in writing or through PhoneBanking services as soon as reasonably practicable. 14. Accountholders should exercise care when drawing cheques and should not draw cheques by any means, which may enable a cheque to be altered in a manner, which is not readily detectable. 15. You agree that we may record a cheque drawn by you in electronic or other form as we consider appropriate, and the cheque after payment may be retained by the collecting bank for a period specified in the rules relating to the operation of the clearing house and may be destroyed by the collecting bank after that period. 16. You authorise us to contract with collecting banks and other persons in relation to the arrangements and matters set out in paragraph (i) above. 17. Return cheques - The Bank reserves the right to return cheques with insufficient funds in account, technical error or any other reasons as mentioned under the relevant statute or any other reasons and to impose a service charge with respect to returned cheques. 18. Cheque books will either be available at our branch counters or delivered directly to the customer, to the addresses registered with the Bank as per your instructions. 19. You should give us clear written instructions or other duly authenticated instructions (the authenticity of which the Bank must be able to verify) clearly identifying the cheque in question by reference to its cheque number, if you wish to stop payment of a cheque. We have no obligation to act on your Instruction if we do not receive it in time to enable us to stop payment. 20. You should clearly identify the cheque in your Instruction by quoting the cheque number. If you quote any other detail instead of the cheque number, we have no obligation to but may act on your Instruction at our discretion without being liable. If you quote any other detail in addition to the cheque number, we are not responsible for checking whether that detail conforms with the corresponding detail on the cheque in question. 21. We have no obligation to act on an Instruction to stop payment if we are unable to verify its authenticity, unless we have made any special arrangement with you. Notwithstanding that, we may act on an Instruction at our discretion if we believe in good faith that it is given or authorised by you without being liable in any circumstance and you will be bound by that Instruction even if it is incorrect, false or unclear or if it was not given or authorised by you. You should confirm an Instruction as soon as reasonably practicable in a manner accepted by us. 22. Charges as per the Banks tariff will be applicable for effecting stop payment instructions and the same will be debited to the specific savings or current accounts in which this stop payment has been effected. The customer should comply with the conditions printed on the inside cover of the cheque books. 23. NRE accountholders should complete the declaration on the reverse of the cheque leaf as per RBI requirements Cheque Deposit Boxes CDBs You must ensure and hereby undertake that all documents and items submitted under the drop box services are complete, accurate and duly signed where applicable. You will utilise the drop box services in accordance with its governing terms and conditions and such other instructions, guidelines and directions that we shall issue from time-to-time. The scope of the drop box services shall be as determined by the Bank from time-to-time and may include, but not necessarily and among other things, deposit of cheques, bills of exchange, warrants, payment warrants and other payment instruments. The drop boxes shall not be used for dropping cash andor post-dated cheques andor high value cheques andor bearer cheques and the Bank will not be responsibleliable for such items deposits. All high value cheques which exceed Rs. 1 lakh should be deposited at the Banks counters only. We shall accept responsibility for the documents instruments deposited after we have received, checked and veried the same, in accordance with its practice, and this shall be nal, conclusive and binding on you. 1) The items deposited in any CDB will be sent by the Bank for clearing within the period as indicated on the box but not later than 2 days. 2) The Bank has appointed a service provider for collecting the items from the CDBs. The service provider shall collect the items from the CDBs and hand over the same to the Bank. 3) We shall not be liable for any loss, damages or expenses suffered by you in relation to the drop box services arising from :- a. our failure or delay in providing the drop box services b. use of the drop box services by you c. any delay with respect to processing of the documents and items submitted under the drop box services d. any delay in the checking, verification and acceptance of the cheque(s), warrants, etc. submitted under the drop box services or the crediting thereof to the designated account(s) e. any partial completion of or failure or inability to act on any of the customers instructions or directions in respect of the cheque(s), warrants, etc. submitted under the drop box services for reasons outside our reasonable control and which is not due to our gross negligence or wilfull default. 4) The CDBs shall not be used for dropping cash and or post dated cheques. The Bank will not be held responsible for such post-dated cheques and or cash deposits. 5) The maximum value of items to be dropped in the CDBs shall not exceed Rs. 1 lakh. In case of cheque deposit machines, if there is a discrepancy between the amount specified while depositing cheque(s) warrants and the actual amount of cheque(s) or warrants deposited or if such cheque(s) warrants submitted are not accepted by the Bank for any reason including, suspected as being counterfeit, the Bank is only required to credit the amount of cheque(s)warrant(s) as checked, verified and accepted by the Bank to the designated account(s) and which shall be final, conclusive and binding on you. You will indemnify us against all loss, damages, claims, proceedings, liabilities, costs (including legal costs on a full indemnity basis) and expenses as shall be reasonably incurred or suffered by us arising out of or in connection with the provision of the drop box services by us andor the use thereof by you. Cheque Deposit Timings The cheque deposit timings at the respective branches are subject to change without prior notice. Extended Banking Hours All branches of the Bank which offer extended banking hours: Transactions as indicated by the Bank from time to time including transactions such as deposits, withdrawals, transfers, instrument purchases (example those relating to cash, cheques, pay orders, demand drafts, telegraphic and other transfers, opening of accounts, changes to account title, mode of operation, mandate, replacement of ATM Cards), sought after the time on any other day when clearing, recording and processing of transactions in its books is affected by the Bank in the ordinary course of business, may, at the sole discretion of the Bank, be specified in any statement of account or other communication sent to the customer as having taken place on the next or any preceding business day for the Bank and not on the actual day of the transaction sought. All deductions accretions on the amounts shall be deducted accrued as of such business day. The Bank shall not be responsible or liable in any manner for and or on account of so processing and giving effect to the transactions and shall not be responsible for any losses including loss of interest, or for any liability incurred suffered by the customer including but not limited to, for return of cheques, arising out of a transaction not being shown as of the actual day. Instruments as indicated by the Bank from time to time (example cheques, demand drafts, pay orders), deposited after the time of clearing on any other day for the day by the Bank in the ordinary course of business, shall be sent for clearing only on the next business day. 1. The Hongkong and Shanghai banking Corporation Limited, India here in referred to as the Bank has principal place of business is the Hongkong SAR. 2. We reserve the right to close any account without assigning any reason by giving a prior notice of 30 days to you. 3. The Bank reserves the right not to disclose account information to the customer over the telephone. 4. Currently the applicable Unauthorized Overdraft Rate of the Bank is 35 p.a. which is subject to change from time to time. 5. Current Accounts Savings Accounts which have not been operated for a period of two years and will be classified as unclaimed and will be levied a charge as per our current Tariff. Accountholders will have to personally visit the branch with suitable identification to reactivate the accounts close, the account. i) Inoperative Account - Current Accounts Savings Accounts where no transactions (either debit or credit) have been made by an accountholder or by a third party in the accountholders account for a period of 12 months, shall be designated as an Inactive (Dormant) Account. ii) In order to keep the account active, an accountholder is required to perform either a deposit or withdrawal transaction from the currentsavings account on a periodic basis. iii) Accounts where no transactions (either debit or credit) have been made by an accountholder or third party for a period of 24 months. i.e. there have been no transaction for a period of 12 months after the account has been designated as an Inactive (dormant) shall be redesignated as an Inoperative (Unclaimed) Account. The following services are not available for inactive inoperative accounts: (a) Request for address change (b) ATMDebit card renewal or issue (c) Request for cheque book (d) Transactions through ATMDebit card, Internet Banking and Phone banking (e) Transactions through issue of Clearing Cheque (applicable only for accounts in Inoperative status) An accountholder can reactivate hisher savingscurrent account through any one of the following options: i) The resident accountholders should personally visit any HSBC Branch along with all the joint holders (if any)Authorised signatories and provide an activation request alongwith valid identity documents, proof of address, recent photograph of all account holdersAuthorised signatories and other KYC related documents, if called for by the Bank ii) NRI customers can submit their request along with the copy of their passport in person at any of the branches in India or at any of the NRI centres outside Indiacountry of residence. NRI customers can also send the required documents to the relevant address available on our website, ensuring that photo identification, address proof and Customer Signature on the activation request are attested as Certified True Copysigned in my presence by an HSBC Group official. Inoperative (Unclaimed) Accounts will be levied a charge as per the current Tariff. The current Tariff is available in all HSBC branches. The accountholder can also log on to hsbc.co.in for the current Tariff rates. Accountholders will have to personally visit an HSBC branch with suitable identification to reactivate the accounts close, the account. In case the accountholder feels that the service levels offered by HSBC are not upto the accountholders expectations, the accountholder can refer to the HSBC Grievance Redressal mechanism for lodging a complaint. The Grievance Redressal mechanism and a Grievance Redressal policy is available on hsbc.co.in We also have a Compensation Policy on our website which is applicable to certain events, where for some reason beyond our control or inadvertently, we are unable to meet the service levels committed by us in our dealings with individual customers. The policy is based on principles of transparency and fairness in the treatment of customers, to compensate for direct financial loss, as detailed in this policy, that the customer may incur in cases where the bank does not meet the service levels committed by it. 6. i) Succession to the amount lying to the credit of the account and or operation thereof on the death of the person authorised to operate upon the account shall be in accordance with the Deceased Depositor Policy of the Bank and rules for the purpose prescribed by the Bank from time to time and effective at the date of the claim. ii) Nomination facility is available for all types of accounts of individuals, single joint and proprietorship concerns as per the Nomination rules framed under the relevant Act. Customers are advised to make use of this facility in their own interest. iii) Only one nomination can be made for each account, RBI approval is required for repatriation of proceeds where nomination is filed in favour of the NRI. 7. If the loan amount is received by way of debit to non-residents NRENRO FCNR account, period of loan should not exceed 3 years and the interest rate should not exceed 2 percentage points over the bank rate prevailing on the date of availing the loan. No person resident in India who has borrowed in Indian rupees shall use the said loan amount for any purpose except his own business other than the business of chit fund, or as Nidhi Company, or agricultural or plantation activities or real estate business or construction of farm houses or Trading in Transferable Development Rights (TDRs). No person resident in India who has borrowed in Indian rupees shall use such borrowed funds for any investment, whether by way of capital or otherwise, in any company or partnership firm or proprietorship concern or any entity, whether incorporated or not, or for relending. 8. Accounts upon which an attachment order or other legal notice prohibiting operations of the accounts has been received will be frozen ruled off and no further operation will be allowed till such time that the prohibition order is removed. 9. The Bank allocates a unique customer number to each customer called as Customer ID (identification) number and the customers are requested to quote this number for every additional account opened with any branch of HSBC. 10. The Bank may without notice combine or consolidate account(s) with and liabilities to the Bank and shall have the right to set-off or transfer any sum(s) standing to the credit of such account(s) or any other sum(s) due or payable to the Bank from the customer in or towards satisfaction of the customers liabilities to the Bank on any other respect whether such liabilities be actual or contingent, primary or collateral and several or joint. 11. Holders of Non-Resident accounts should advise the Bank immediately upon return to India if they intend to take permanent residence in India. 12. The Bank reserves the right to debit your savingscurrent account for the value of any Foreign Currency Cheques (FCY) sent through the Bank for collection and collected by the Bank either under the Cash Letter Service or as a direct collection item to the drawee bank, because of the cheques being returned unpaid (for any reasons whatsoever) by the drawee bank at a date later than us passing the credit to your account. 13. The Bank remains entitled to assign any activities to any third party agency at its sole discretion. 14. Bank deposits are covered under the insurance scheme offered by Deposit Insurance and Credit Guarantee Corporation of India (DICGC) upto an aggregate value of Rs 1 lakh per depositor. 15. The Bank and other members of the HSBC Group are required to and may take any action to meet Compliance Obligations relating to or in connection with the detection, investigation and prevention of Financial Crime (Financial Crime Risk Management Activity) and act in accordance with the laws, regulations and requests of public and regulatory authorities operating in various jurisdictions which relate to Financial Crime. The Bank may take, and may instruct (or be instructed by) any other member of the HSBC Group to take, any action which it or such other member, in its sole and absolute discretion, considers appropriate to take in accordance with all such laws, regulations and requests. Such action may include but is not limited to (a) screening, intercepting and investigating any instruction, communication, drawdown request, application for Services, or any payment sent to or by you, or on your behalf, (b) investigating the source of or intended recipient of funds (c) combining Customer Information with other related information in the possession of the HSBC Group, andor (d) making further enquiries as to the status of a person or entity, whether they are subject to a sanctions regime, or confirming your identity and status (e) share information on a confidential basis with such HSBC Group offices whether located in India or overseas in relation to prevention of Financial Crime. Exceptionally, our Financial Crime Risk Management Activity may lead to us delaying, blocking or refusing the making or clearing of any payment, the processing of your instructions or application for Services or the provision of all or part of the Services. To the extent permissible by law, neither we nor any other member of HSBC Group shall be liable to you or any third party in respect of any loss (whether direct or consequential and including, without limitation, loss of profit or interest, however it arose) that was suffered or incurred by you or a third party, caused in whole or in part in connection with the undertaking of Financial Crime Risk Management Activity. In certain circumstances, the action which the Bank may take may prevent or cause a delay in the processing of certain information. Therefore, neither the Bank nor any member of the HSBC Group warrants that any information on the Banks systems relating to any payment messages or other information and communications which are the subject of any action taken pursuant to this clause is accurate, current or up-to-date at the time it is accessed, whilst such action is being taken. For the purpose of the present clause: Compliance Obligations means obligations of the HSBC Group to comply with: (a) laws or international guidance and internal policies or procedures, (b) any demand or request from authorities or reporting, disclosure or other obligations under laws, and (c) laws requiring us to verify the identity of our customers. In pursuance of the above Right, bank will: i) Treat customers personal information as private and confidential (even when the customer is no longer banking with us), and, as a general rule, not disclose such information to any other individualinstitutions including its subsidiaries associates, tie-up institutions etc. for any purpose unless. (a) The customer has authorized such disclosure explicitly in writing (b) Disclosure is compelled by law regulation(c) Bank has a duty to the public to disclose i.e. in public interest (d) Bank has to protect its interests through disclosure (e) It is for a regulatory mandated business purpose such as disclosure of default to credit information companies or debt collection agencies Financial Crime includes money laundering, terrorist financing, bribery, corruption, tax evasion, fraud, evasion of economic or trade sanctions, andor any acts or attempts to circumvent or violate any laws relating to these matters 16. For Standing Instructions, the Bank accepts no responsibility for any loss or delay which may occur in the transfer, transmission andor application of funds or (in the case of remittance by telegraphic transfers) for any error, omission or mutilation which may occur in the transmission of any message or for its misinterpretation when received and the Bank stands indemnified a gainst any actions, proceedings, claims andor demands that may arise in connection with such loss, delay, error, omission, mutilation or misinterpretation. 17. As per the Banks customer call back policy, for all transactions above the specified thresholds mentioned, whether domestic or cross-border transaction, the Bank staff shall call the Customers designated personnel (as per contact details provided by the Customers authorised signatories) through telephone to validate the transaction details. In case either the designated personnel are not reachable in spite of two attempts or the transaction details or could not be authenticated, the requests may either be rejected by the Bank or processed on a best effort basis solely at the Banks discretion without any liability to the Bank, to ensure fraud prevention and better security of your account. The Bank may revise above mentioned threshold limit from time to time and notify the same to the Client. Upon such notification, Client shall be deemed to have agreed to such revised threshold limits for the call back process. This is applicable for all current accounts opened for business purpose. 18. Interest: The payment of interest on accounts and the rate of interest thereon is subject to the directives of the RBI from time-to-time. 19. Statutory deductions: The Bank shall effect any statutory deductions (such as taxes, etc.) by debit to the accounts, without any authorisation from the customer, from such date and at such rates as may be required as per applicable statutes. 20. Collection and recovering of debts: We have the right to employ any person to assist us in collecting and recovering any outstanding or overdue amount owing by you to us, including collection agent or any other service provider. 21. Recording: In the course of providing the Services, we (or any of our agents) may may need to (but shall not be obliged to) record any Instructions or verbal communications with you by tape, video or other means. We have the right to destroy these recording after such period of time as we consider appropriate. 22. Waivers and remedies: No failure or delay by the Bank in exercising any right, power or privilege hereunder shall operate as a waiver thereof, nor shall any single or partial exercise preclude any other or further exercise thereof or the exercise of any other right, power or privilege. Any remedies provided to the Bank herein are not intended to be exclusive of any other remedy and each and every remedy shall be cumulative and in addition to every other remedy given hereunder or now or hereafter existing at law or in equity, by statute or otherwise. 23. Partial invalidity: If any provision hereof shall be declared or adjudged to be illegal, invalid or unenforceable under any applicable law, such illegality, invalidity or unenforceability shall not affect any of the other provisions hereof, which shall remain in full force, validity and effect. 24. Failure beyond Banks control: The Bank shall not be liable for any delay or failure in providing any of the Banks equipment or other facilities or services to the customer to the extent that it is attributable to any cause beyond the Banks reasonable control including any equipment malfunction or failure and under no circumstances shall the Bank be responsible to the customer or any third party for any indirect or consequential losses arising out of or in connection with such delay or failure. 25. Outsourcing and appointment of agents: The Bank may appoint any agent, service provider or subcontractor to perform any of its obligations hereunder. The Bank remains entitled to assign outsource any activities to any agency, whether third party or HSBC Group entities, at its sole discretion, in accordance with RBI guidelines. 26. Assignment by us or by you: We may at any time assign or transfer any or all of our rights and obligations to any person without your agreement. You are not allowed to assign or transfer any of your rights or obligations to any person unless with our prior written agreement. 27. Loss of seal etc. If you lose any identity document, seal etc. used for giving Instructions to us in relation to the Services or the Accounts, you must immediately notify us in writing. We are not liable to you for effecting any payment or transaction before we actually receive such written notice. 28. Mandate: The Bank shall be entitled to regard any mandate it holds as being suspended in the event of any dispute between customers or authorised signatories. In addition, the Bank reserves the right to suspend the operation of all or any accounts of the customer until such time as the Bank considers appropriate if the Bank is of the opinion or has reason to suspect that: I. it holds no valid account mandate or II. the customer (other than acting in the capacity of a trustee) is not the true owner of the credit balances or other assets held in the account(s). 29. Limitation to our Liability: I. Providing the Services to you does not make us your trustee or investment adviser. In providing the Services, we will exercise the same degree of care as we exercise in respect of our own property. We have no trust or other obligations in respect of your moneys or assets other than those expressly specified in these Terms and Conditions. II. Neither we nor any of our agents or service providers are liable for any taxes or duties payable in respect of your assets or for the management or performance of your assets (including any reduction in the value of your assets). III. We are not liable for loss, damage or expense of any kind which you or any other person may incur or suffer arising from or in connection with: (a) your use of the Services or our provision of the Services in accordance with your Instructions from time to time (b) our decision not to process or to delay processing any Instruction (c) your default in performing your obligations under these Terms and Conditions, the Applicable Regulations or relating to the Services or the Accounts or (d) the preservation or enforcement of our rights or exercise of our powers in connection with the Services and the Accounts, unless due to the negligence or wilful default on our part or that of our agents or their respective officers or employees and only to the extent of direct and reasonably foreseeable loss and damage (if any) arising directly and solely from it. IV. Neither we nor any member of the HSBC Group are liable for loss, damage or expense of any kind which you or any other person may incur or suffer arising from or in connection with any delay or failure by us or any member of the HSBC Group in processing any payment message or other information sent via our systems or the systems of any other member of the HSBC Group or communications, or in performing any of our or its other obligations in connection with any Account or the provision of any Service to you, caused in whole or in part by any steps taken by us or such other member as considered appropriate in accordance with any Applicable Regulations. V. If you use any service (which may include any Service) provided by any other person not being our agent or nominee, we are not liable in any way for the quality of the relevant service or any action, claim, loss, damage or liability of any nature which you may suffer or incur arising from or in connection with any act or omission of that other person providing the service or any agent or third party service provider appointed by it. VI. We are not liable for any delay or failure in providing any of the Services or our equipment or facilities to you to the extent that it is attributable to any cause or circumstance that is beyond our or our agents reasonable control, including equipment malfunction or failure. VII. We will act on an Instruction as soon as reasonably practicable after we receive it. We are not liable for loss, damage or expense of any kind which you may incur or suffer arising from or in connection with any fluctuation in the price of the relevant asset between the time we receive an Instruction and the time we act on it or any delay or failure by us in acting on an Instruction (whether in part or in full) for any reason (including as a result of failure or error of any computer or electronic system or equipment), unless due to the negligence or wilful default on our part or that of our agents or their respective officers or employees and only to the extent of direct and reasonably foreseeable loss and damage (if any) arising directly and solely from it. This clause does not and should not be interpreted to limit the effect of Clause on Limitation to our Liability. VIII. In no circumstances will we be responsible to you or any other person for any loss of profit or interest, indirect or consequential loss arising from or in connection with our providing, or failure or delay in providing, the Services. 30. Your Indemnity: I. You will indemnify and reimburse us, any of the service providers or other persons appointed by us and our or their respective officers and employees for all actions, proceedings and claims which may be brought by or against us or them, and all losses, damages and reasonable costs and expenses which we or they may incur or suffer as a result of or in connection with (a) your use of the Services or our providing the Services to you, maintaining the Accounts for you, or effecting any transactions for or with you (b) our decision not to process or to delay processing any Instruction (c) any default by you in performing your obligations under these Terms and Conditions, the Applicable Regulations or relating to the Services or the Accounts or (d) the preservation or enforcement of our rights or exercise of our powers in connection with the Services and the Accounts, unless due to the negligence or wilful default on our part or that of our agents or their respective o fficers or employees and only to the extent of direct and reasonably foreseeable loss and damage (if any) arising directly and solely from it. This indemnity shall continue after the termination of the Services, the Accounts or these Terms and Conditions. II. We have the right to designate the account as dormant and restrict or impose conditions for accessing an Account if it has been inactive for a period of time set by us. Please refer to us for the applicable periods in respect of the different account types. The applicable periods may vary depending on the Account types and we will provide further information upon request. The Bank may designate the account as dormant and restrict or impose conditions for accessing the account. Further, current accounts and savings accounts, which have not been operated for a period of two years will be classified as unclaimed and will be levied a charge as per our current tariff. Accountholders will be required to be present in person at a branch of the Bank, with suitable identification to reactivate such unclaimed accounts or to close such account. 31. Attachment orders: Accounts upon which an attachment order or other legal notice prohibiting operations of the accounts have been received will be blocked and no further operation will be allowed till such time as the prohibition order is removed. 32. Governing law: These terms and conditions shall be governed by and construed in accordance with the laws of India and courts of Mumbai shall have the exclusive jurisdiction to try and entertain any disputes regarding the aforesaid terms and conditions. 33. As per the Banks customer call back policy, for all transactions above the specified thresholds mentioned, whether domestic or cross-border transaction, the Bank staff shall call the Customers designated personnel (as per contact details provided by the Customers authorised signatories) through telephone to validate the transaction details. In case either the designated personnel are not reachable in spite of two attempts or the transaction details or could not be authenticated, the requests may either be rejected by the Bank or processed on a best effort basis solely at the Banks discretion without any liability to the Bank, to ensure fraud prevention and better security of your account. The Bank may revise above mentioned threshold limit from time to time and notify the same to the Client. Upon such notification, Client shall be deemed to have agreed to such revised threshold limits for the call back process. This is applicable for all current accounts opened for business purpose. 34. Documents Correspondence (a) Know Your Customer Due Diligence requirement - In line with the requirements of the Banks policy, the Know Your Customer (KYC) documents along with other documentation need to be submitted at the time of opening a new account or as and when requested by the Bank. The Bank reserves a right to allow restrict operations in a newly opened existing accounts maintained with the Bank, if the customer is not able to satisfy the due diligence requirements in line with the Banks policy. (b) Undelivered Correspondence - The Bank reserves a right to block transactions allow operations in a newly opened existing accounts maintained with the Bank, if the account deliverables welcome letter welcome pack bank correspondences not limited to Account statements, etc. are returned undelivered and Bank is unable to contact the Account holder at the address contact number provided by them at the time of account opening updated in Bank records. 35. Change in Process for Funds Transfer and Demand Drafts With an objective of enhancing security for banking transactions, we would like to inform you that for all requests for funds transfer1 or making demand drafts for an amount greater than INR 2,00,000, a cancelled cheque of the account through which the transaction is being carried out will have to be submitted along with the requisite documentation from 7th March 2015. Fund Transfers comprise of: 1. National Electronic Funds Transfer ( NEFT ) 2. Real Time Gross Settlement ( RTGS) 3. Telegraphic Transfers (TT) Please note that this guideline is applicable for transactions made by you or your authorized bearer in person at the branch and do not apply for Internet or Mobile Banking transactions. 36. Tax Representation a. Individual Accounts. You are responsible for fulfilling any obligation that you may have with respect to the filing of returns or other required documentation in respect of and the payment of all relevant taxes, including, without limitation, all income, capital gains, wealth and estate duties, stamp duties, service tax, value added tax and any other applicable taxes. The creation and continued operation of your account andor the acquisition, holding or disposal of investments or assets in such account, as well as any income, distributions or losses realized in relation to the operation of the account may expose you to tax consequences depending on a number of factors including, but not limited to, your applicable domicile, your place of residence, your citizenship or the type of assets you hold in your account. Certain countries may have tax legislation with extraterritorial effect regardless of your place of domicile, residence or citizenship. The Bank does not provide any legal or tax advice and you should seek legal andor tax advice from an independent legal andor tax adviser. You acknowledge and agree that the Bank has no liability in respect of any of your tax obligations and or any legal andor tax advice provided to you by third parties. B. Non Individual Accounts: Customer and each Connected Persons is responsible for fulfilling its own obligations with respect to the filing of returns or other required documentation in respect of reporting and payment of all relevant taxes, including, without limitation, all income, capital gains, wealth and estate taxes. The creation and continued operation of the account andor the acquisition, holding or disposal of investments or assets in such account, as well as any income, distributions or losses realized in relation to the operation of the account may expose you or any Connected Person to tax consequences depending on a number of factors including, but not limited to, applicable domicile, place of residence, citizenship, place of incorporation or the type of assets held in the account. Certain countries may have tax legislation with extra-territorial effect regardless of place of domicile, residence, citizenship or incorporation. The Bank does not provide any legal or tax advice and you and each Connected Person should seek legal andor tax advice from an independent legal andor tax adviser. You acknowledge and agree that the Bank has no liability in respect of any of your tax obligations or those of any Connected Persons andor any legal andor tax advice provided to you by third parties. 37. Customers whose email IDs are registered with the bank will receive email communication from the bank on an ongoing basis. The communication may include account related information, certificates, bank notices and account statements, unless you have specifically opted to receive physical statements on your account. In consideration of The Hongkong and Shanghai Banking Corporation Limited (the Bank) issuing to me us an International ATM Card (the card), I we hereby agree to be bound by the following Terms and Conditions: In these terms and conditions, to which the use of ATMs will be subject, the card shall mean any card issued to the Cardholder by the Bank which may be used to effect banking transactions by electronic means whether at Automated Teller Machines (ATMs), point of sale terminals or otherwise. Cardholders Account shall mean any account nominated by the Cardholder in respect of ATM. 1) The Card shall be issued by the Bank in the name of Accountholder(s) of any account except for Minors Accounts and Personal Accounts operated by joint signatures. The first Card on a joint account will be issued free of charge. Every additional Card applied for on the same account will be charged for as per Banks Tariff .A maximum of two cards per account will be issued in case of joint accounts. 2) Your ATM Card remains our property and you should return it to us upon our request. 3) We may offer, vary, suspend or withdraw the ATM Card or any Service relating to the ATM Card at any time after providing a prospective notice of 30 days. Some Services relating to the ATM Card (such as use of the ATM Card at an ATM) may only be made available to you upon separate application or subject to further terms and conditions (such as the ATM Card Terms and Conditions) as we may specify from time to time. 4) Cardholder or in case of joint account, all the account holders jointly and severally, shall be responsible for all transactions effected by the use of the debit card whether or not the transaction were are authorized by the Cardholder Account holder(s) and shall indemnify the Bank for the loss or damage caused by any unauthorized use of the debit card or related PIN. including any penal action arising on account of violation of any RBI guidelines, FEMA or any other law, rules and regulations for the time being in force. Subject to provisions concerning loss or theft of the ATM card in this section, you will be responsible for all transactions, including funds transfers to third party beneficiaries, effected by use of the ATM card, whether authorised by you or not. 5) We will debit the amount withdrawn, transferred or otherwise disposed of by the use of your ATM Card from the related Account. You will be unable to effect a transaction if there are insufficient funds in the related Account. If you effect a transaction in a currency other than the Indian Rupee, we will debit that transaction from the related Account after conversion into Hong Kong dollar at our prevailing exchange rate at the relevant time of conversion. 6) You should keep your PIN strictly confidential and should not allow any other person to access or use your PIN whether voluntarily or not. You should not write down or keep the PIN on or close to your ATM Card or in any way that may enable another person to use your ATM Card. 7) You are responsible for all transactions effected by the use of your ATM Card (including all related fees and charges). However, in case of any loss, theft, disclosure or unauthorised use of your ATM Card, you should report to us immediately followed by a written confirmation as soon as reasonably practicable, and you will be responsible for all transactions effected whether voluntarily or not by the use of your ATM Card until we receive your report. We have no obligation but may issue a replacement ATM Card to you and may debit a handling fee from any Account. 8) We accept cash or cheque deposited into an ATM using your ATM Card subject to subsequent verification in our normal course of business. The statement issued by the ATM at the time of the deposit only represents what you purport to have deposited and is not binding on us. Further, a cheque is accepted subject to final payment or clearing. You are not entitled to use or withdraw the proceeds of a cheque until they have been cleared. 9) The Bank will not be liable for any failure to provide any service or to perform any obligation thereunder, where such failure is attributable (whether directly or indirectly) to any malfunction of the ATMPOS terminal, temporary insufficiency of funds, or other circumstances beyond its control. The Bank will not be liable for any consequential or indirect loss or damage, arising from or related to the loss use of the Card. Any statements issued by the ATM at the time of deposit or withdrawal shall be conclusive unless verified otherwise by the Bank. Any such verification shall likewise be final and conclusive and the Cardholder shall make no objection thereto. 10) The Cardholders account will be debited with such charges as the Bank may from time to time consider reasonable in respect of the Card provided that prior notice of such charges is given to the Cardholder. 11) You authorise us to disclose, in strict confidence, to other institutions (whether in or outside India) personal data and information about you, your ATM Card and Accounts as may be required or appropriate in connection with any electronic fund transfer network or to enable us to provide the Services relating to your ATM Card 12) Any notice hereunder sent by post will be deemed to have been received by the Cardholder within 7 days of posting to the address last notified in writing to the Bank by the Cardholder. Publication of change by such means as the Bank may consider appropriate will constitute effective notice to the Cardholder thereof. The Banks record for transaction processed by the use of the card shall be conclusive and binding for all purposes. 13) In the event the Cardholder decides to terminate the use of the Card, the Cardholder shall give the Bank not less than 7 days prior notice in writing and forthwith return the Card to the Bank and obtain a valid receipt thereof. Such termination shall also be deemed termination of the Cards facility accorded by the Bank to the cardholder 14) The Bank shall be entitled to terminate the ATM facility with immediate effect and return the Card upon the occurrence of any of the following events: i. Failure to adhere to or comply with the terms and conditions herein set forth, or ii. An event of default under any agreement or commitment (contingent or otherwise entered in to with the Bank, or iii. The Cardholder becoming the subject of any bankruptcy, insolvency proceedings or proceedings of similar nature or iv. Demise of the Cardholder, or v. Closure of the Cardholders account or failure to maintain the minimum average balance in the said account. 15) If more than one person signs or agrees to be bound by these terms and conditions, the obligation of such persons hereunder will be joint and several and, as the concerned may require, words herein denoting the singular only will be deemed to include the plural. Any notice hereunder with any one such person will be deemed effective notification to all such persons. 16) The Bank reserve the right to add, to delete andor vary any of the terms and conditions by giving a prospective notice of 30 days. Such addition deletion or variation changes to these terms and conditions will be displayed on the HSBC website and a copy of the same will be available at the branch on request. Use of the ATM after the date upon which any change to these terms and conditions is to have effect (as specified in the Banks notice) will constitute acceptance without reservation by the Cardholder of such change if the Cardholder does not accept any proposed change, the Card must be returned to the Bank prior to the date upon which such change is to have effect. 17) The Card and PIN will be sent to the cardholders mailing address. 18) If any accountholder by using the card draws an amount in excess of the balance available or overdraft limit permitted by the bank, the accountholder will pay to the bank on demand and unconditionally the entire amount overdrawn. However, this should not be constructed as an agreement either expressed or implied that the Bank is bound to grant any overdraft facility whatsoever. 19) As a security feature our computer system will invalidate any card which has not been used for affecting a withdrawal transaction within one year from the date of issue of the card or from the last withdrawal transaction. 20) All authorisations and powers conferred on the Bank are irrevocable. 21) The issue of International Debit Card will be subject to the following further conditions a) The card shall be issued only to Resident and Non-Resident External (NRE) personal accountholder(s) b) The Bank shall debit the Cardholders account with the amount of any withdrawaltransfer effected in currencies other than the domestic currency of issuance after conversion into the domestic currency of issuance at the prevailing exchange rate as determined by the Bank on the day of conversion c) Cash withdrawals and transfers in Indian or NRE accounts shall be made solely for local disbursement. The cashwithdrwal shall be made solely for local disbursement. The Cardholder shall inform the Bank of his their intention to withdraw cash for the purchase of shares securities commercial paper of Indian companies, or of immovable property in India, 3 working days prior to performing the transaction d) Cash withdrawals performed by the cardholder in countries other than that in which the card was issued will be subject to a cash withdrawal fee as may be announced by the Bank from time to time. The availability of ATM services in a country other than that in which the card was issued is governed by the local regulations of the country in force. The Bank shall not be held liable if these services are withdrawn without notice thereof e) The cardholder shall use the facility within the prescribed limits, only for bonafide purposes such as are laid down by the Reserve Bank of India, i.e. for personal expenses, education of children, gifts etc. The Cardholder shall indemnify the Bank against any violation of these conditions and shall undertake to regularly keep in touch with amendments in this regard, if any, made by the Reserve Bank of India. The Cardholder is solely liable for his their acts and deeds under FEMA and undertakes to pay gift tax, if any, on transfers made, to the tax authorities in India. f) The Bank shall be entitled to terminate the International card and call for its return if : i) The accountholder changes his their status from Non-Resident to Resident India ii) In the event of the Bank granting an overdraft SIA facility on the cardholders account 22) These terms and conditions shall be governed and construed in accordance with the laws for the time being in force in the country in which the card was issued. Internet Banking HSBC UPI ( Unified Payment Interface) Phone Banking 1)Scope of Phonebanking Service and Telephone Instructions: We may specify or vary the scope and features of the Phonebanking Service from and modify, expand or reduce the same at any time and from time-to-time time to time with notice. Where such notice shall, in our sole discretion, be given, such notice may be made in such manner and by such means of communication as we shall deem fit, including, without limitation, the use of direct mailing material, advertisement or branch display. You may use the Phonebanking Service and give us Telephone Instructions on your accounts and cards. The PhoneBanking services provided by the Bank to all accounts cover i. Transfer of funds between any of the Accountholders Accounts ii. Transfer of funds from any Savings Accounts of the Accountholder within any pre-specified and agreed transfer limits to any Account pre-designated by the Accountholder (the Designated Transferee Account) or any Payee pre-designated by the Accountholder for the purpose of receiving funds under the PhoneBanking services iii. Request for additional Fixed Deposit, renewal or withdrawal of Fixed Deposit iv. Enquiry on Savings Account balance, last transactions, exchange rates and deposit rates v. Requests for a) statements, b) cheque books, c) stop cheque vi. Reporting ATM Debit Card loss vii. Payment of Accountholders own credit card bills viii. Such other types of banking or other services as the Bank may introduce from time to time 2) You should keep your Phonebanking PIN strictly confidential. You should not disclose your Phonebanking PIN or allow any other person to use your Phonebanking PIN (whether voluntarily or not). You should not keep a written record of your Phonebanking PIN in any way that may enable another person to use it. You should promptly report to us any loss, theft, disclosure or unauthorised use of your Phonebanking PIN. 3) You authorise us to act on Telephone Instructions using your Phonebanking PIN. You agree and confirm that each Debit Accountholder agrees that we are not liable for acting in good faith on a Telephone Instruction using your Phonebanking PIN even if that Telephone Instruction was not authorised by you, and you and each Debit Accountholder will be bound by it. We have no duty to verify the identity of the person using your Phonebanking PIN to give Telephone Instructions. 4) We may not process Telephone Instructions immediately or on the same day on which the Telephone Instructions are received by us due to system constraint or other reasons (whether or not beyond our control) including equipment malfunction or failure. We are not liable for any delay or failure in effecting a Telephone Instruction and our decision on whether or not to effect or the timing of effecting a Telephone Instruction will be final and binding on you and each Debit Accountholder. 5) Any exchange rate or interest rate quoted by us in response to a Telephone Instruction is for reference only unless the rate is confirmed by us for a transaction. A rate confirmed by us and accepted by you for a transaction through the Phonebanking Service will be binding on you even though we may have quoted a different rate at any time through telephone or other means of communication. 6) You and each Accountholder should ensure that there are sufficient funds or available credit facilities in the relevant Account or Debit Account to effect a Telephone Instruction. We have no obligation but may, without giving prior notice to you or any Debit Accountholder, act on a Telephone Instruction where there are no sufficient funds or available credit facilities. If we decide not to act on that Telephone Instruction, we are not liable for any consequence arising from not acting. If we decide to act on that Telephone Instruction, you and each Debit Accountholder will be liable to repay and indemnify us for the resulting overdraft, advance or credit created by effecting that Telephone Instruction. 7) The Bank shall not be responsible to the Accountholder for giving any information to be transferred or any Joint Accountholder regarding the details of the transactions performed through telephone instructions. You should notify us if a Debit Account is converted to a joint account with joint signing arrangement. We shall exclude that account from the Phonebanking Service. 8) You and each Accountholder jointly and severally will indemnify and reimburse us and our officers and employees for all actions, proceedings and claims which may be brought by or against us or them, and all losses, damages and reasonable amounts of costs and expenses which we or they may incur or suffer as a result of or in connection with our providing the Phonebanking Service or acting or not acting on Telephone Instructions, unless due to the negligence or wilful default on our part or that of our officers or employees and only to the extent of direct and reasonably foreseeable loss and damage (if any) arising directly and solely from it. This indemnity shall continue after the termination of the Account, an ATM card, a Credit Card, the variation or withdrawal of a Tier, the termination of the Phonebanking Service or any service accessible through the Phonebanking Service or these Terms and Conditions 9) You should notify an Accountholder or the holder of a Credit Account or any other person with whom you effect a transaction or fund transfer using the Phonebanking Service of the details of that transaction. We are not responsible for giving such notice to you or or any other person. 10) The Banks record of the transactions processed by the use of PhoneBanking shall be conclusive proof and binding for all purposes. 11) In the event the Accountholder decides to terminate the use of PhoneBanking for whatever reasons the Accountholder shall give the Bank 7 days prior notice in writing and obtain a receipt thereof. Such termination shall be deemed a termination of the PhoneBanking facility accorded by the Bank to the Accountholder. In an emergency the Bank will endeavor to stop the facility if the instructions are received over the phone or in writing, to safeguard the Accountholders interests. The Bank however shall not be liable if the request of the Accountholder is not carried out immediately due to adverse situations. 12) The Bank shall terminate the PhoneBanking facility with immediate effect on occurrence of the following events: i. Failure to comply with the Terms and Conditions herein set forth or ii. An event of default under any agreement or commitment (contingent or otherwise) entered into the Bank or iii. The Accountholder becoming the subject of bankruptcy, insolvency proceedings or proceedings of a similar nature or iv. Demise of the Accountholder or v. Any other cause arising out of operation of law. Customer RightsTrade globally Access to 30 international and domestic markets Award winning client service experience Winner of the prestigious DALBAR service award ndash four years in a row Best-in-class commissions Trade online as low as 6.88 1 and a flat fee of 288 2 on the Hong Kong stock exchange. Harga eksklusif untuk bank dan broker yang eksklusif Nikmati harga pilihan eksklusif perbankan dan broker kami dengan gabungan aset Anda di HSBC. Penyelesaian multi mata uang Selesaikan transaksi dalam 10 mata uang yang berbeda. Kenyamanan dan kehandalan Eksekusi perdagangan yang cepat dan handal. Rasakan perbedaan 1 dalam layanan klien. Diversifikasi portofolio Anda secara global dengan HSBC InvestDirect. Rencana Layanan Tabungan Pendidikan Terdaftar (RESPs) Produk Layanan Akses berbagai investasi - ekuitas dan ETF, opsi, reksa dana, pendapatan tetap, GIC dan isu baru (IPO) Nikmati harga pilihan dengan HSBC Premier dan HSBC Advance Akses langsung ke perdagangan pasar global Informasi dan sumber daya secara online dan melalui telepon Rincian lengkap Kembali ke atasKomisi dan Harga Perdagangan pada komisi pasar Amerika Utara serendah 6,88 1 Perdagangan online di flat Hong Kong Stock Exchange HK288 2 Menerima suku bunga preferensial pada saldo debet dan margin sebagai HSBC Klien Premier 4 atau HSBC Advance 5, atau sebagai pedagang dengan keseimbangan tinggi atau volume tinggi Rincian lengkap Kembali ke atas Jenis Akun Gunakan akun yang tepat untuk mencapai tujuan keuangan Anda Manfaatkan tingkat suku bunga preferensial pada margin dan rekening kas Anda Gunakan produk terdaftar ke Mengelola kebutuhan tabungan dan pensiun Rincian lengkap Kembali ke atas Peralatan dan Sumber Daya Online Mengidentifikasi tren yang menggunakan investasi terdepan di industri juga Ls Gunakan alat pencarian khusus untuk menemukan investasi yang sesuai dengan tujuan Anda Manfaatkan alert aktivitas perdagangan otomatis Detail lengkap Kembali ke atas Produk investasi tidak menjamin keuntungan dan mengandung berbagai tingkat risiko dan kompleksitas. Investor harus memahami sifat dan risiko masing-masing produk dan mempertimbangkan dengan cermat setiap investasi dalam konteks toleransi risiko dan tujuan pengembalian mereka sebelum berinvestasi. HSBC InvestDirect adalah divisi dari HSBC Securities (Canada) Inc. sebuah anak perusahaan yang sepenuhnya dimiliki oleh, namun entitas terpisah dari, HSBC Bank Canada. HSBC Securities (Canada) Inc. adalah anggota Organisasi Regulasi Industri Investasi Kanada dan Dana Perlindungan Investor Kanada. HSBC InvestDirect tidak memberikan saran atau rekomendasi investasi mengenai keputusan investasi atau transaksi efek. Untuk mengetahui latar belakang, pendidikan dan kualifikasi pendaftar di perusahaan yang diatur oleh IIROC, investor dapat meninjau kembali IIROC AdvisorReport. Klik di sini untuk melihat syarat dan ketentuan Tentang DALBAR Inc .: Sebagai firma strategi dan firma jasa keuangan terkemuka di dunia, DALBAR Inc. membantu perusahaan terkemuka mengembangkan, membangun, dan mengoperasikan bisnis yang kuat yang memberikan pertumbuhan nilai pemegang saham yang berkelanjutan. DALBARs teknik desain bisnis proprietary, dikombinasikan dengan pengetahuan industri dan keahlian riset khusus, memungkinkan perusahaan mengantisipasi perubahan dalam prioritas pelanggan dan lingkungan yang kompetitif, dan kemudian merancang bisnis mereka dan memperbaiki operasi untuk memanfaatkan peluang yang diciptakan oleh perubahan tersebut. Perusahaan ini melayani klien di Amerika dan Eropa. Peringkat DALBAR Direct Brokerage Service Award tahunan didasarkan pada evaluasi layanan telepon dan email yang dilakukan selama tahun kalender, mengukur kualitas kinerja perusahaan dalam pengetahuan produk, profesionalisme dan kemampuan mereka untuk memberikan layanan bernilai tambah. 1 Tersedia pada perdagangan ekuitas online di pasar Amerika Utara. Sesuai dengan kondisi. 2 Komisi HK288 berlaku untuk perdagangan online antara HK0-1.999.999. Untuk perdagangan online HK2, 000,000, komisi 0.10 berlaku. Lihat Komisi Perdagangan Global untuk lebih jelasnya. 4 kelonggaran HSBC Premier mengharuskan Anda untuk memiliki akun chequing Premier yang aktif dan mempertahankan saldo 100.000 deposit dan investasi pribadi gabungan dengan HSBC Bank Canada dan anak perusahaannya. Biaya paket perbankan bulanan mungkin berlaku. 5 HSBC Advance terdiri dari empat produk di HSBC Bank Canada ndash HSBC Advance Chequing account, High Rate Savings Account (CAD), HSBC Advance MasterCard dan jalur kredit pribadi. HSBC Advance Chequing, MasterCard dan jalur pribadi kredit tunduk pada putusan dan persetujuan kredit. Anda berhak atas HSBC Advance jika memiliki Total Relationship Balance (TRB) sebesar 25.000 atau lebih dan satu Saldo Total Mortgage (TMB) sebesar 150.000 atau lebih. Untuk informasi lebih lanjut tentang kriteria kelayakan, biaya bulanan dan biaya lainnya di HSBC Bank Canada, lihat Pernyataan Pengungkapan Biaya Layanan Pribadi kami. Nasabah HSBC Advance juga harus memiliki HSBC Advance Chequing Account (CAD). Biaya bulanan akan dibebankan ke HSBC Advance Chequing Account (CAD) jika Anda tidak memenuhi kriteria kelayakan atau berada dalam tenggang waktu berikut. Pelanggan HSBC Advance baru memiliki waktu 3 bulan sejak mereka membuka rekening untuk memenuhi kriteria kelayakan. Pelanggan HSBC Advance di bawah program Advance Newcomer (untuk pendatang, pekerja asing atau penghuni baru Kanada dalam tiga tahun terakhir) memiliki waktu 6 bulan sejak mereka membuka rekening untuk memenuhi kriteria kelayakan. Biaya transaksi berlaku untuk HSBC Advance MasterCard (kunjungi hsbc.ca dengan tarif dan tarif MasterCard penuh). Transaksi dan biaya lainnya berlaku untuk Rekening Tabungan Tingkat Tinggi dan layanan perbankan lainnya yang tidak termasuk dalam Advance HSBC (lihat Pernyataan Pengungkapan Biaya Jasa Pribadi di hsbc.caservicecharge). Reg MasterCard adalah merek dagang terdaftar dari MasterCard International Incorporated. Digunakan sesuai dengan lisensi. Cookies diaktifkan Situs web ini (termasuk platform perbankan online kami) menggunakan cookies untuk memantau aktivitas Anda. Untuk mempelajari lebih lanjut tentang bagaimana cookie digunakan di situs ini, kunjungi bagian cookie dari Kode Privasi kami. To opt out of cookies being used on this website click here
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