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[ { "content": "Listen, I am driving right now, I can't talk about loans.", "role": "user" }, { "content": "I apologize regarding that Sir, I will call you tomorrow morning around eleven.", "role": "assistant" } ]
[ { "content": "क्या इस policy में maternity cover included है? मेरी wife... मतलब हम लोग plan कर रहे हैं future में।", "role": "user" }, { "content": "जी हाँ Sir, maternity cover available है, लेकिन इसमें twenty-four months का waiting period होता है।", "role": "assistant" } ]
[ { "content": "Mujhe samajh nahi aa raha, FD todna padega ya overdraft le lun?", "role": "user" }, { "content": "Dekhiye Ma'am, agar aap overdraft lete hain FD ke against, toh aapko interest wahi dena hoga jitna amount aap use karogi, toh wo better option hai.", "role": "assistant" } ]
[ { "content": "Mere paas already teen credit cards hain, mujhe aur nahi chahiye bhai.", "role": "user" }, { "content": "Samajh sakta hoon Sir, par ye wala card 'Lifetime Free' hai aur isme petrol pe surcharge waiver bhi hai.", "role": "assistant" } ]
[ { "content": "I want to close my demat account, the charges are too high.", "role": "user" }, { "content": "I understand your concern regarding the charges Sir; however, we have introduced a new zero-AMC plan that I can switch you to.", "role": "assistant" } ]
[ { "content": "Documents... documents mein kya kya lagega personal loan ke liye?", "role": "user" }, { "content": "Sir bas aapka PAN card, Aadhaar card, aur last three months ki salary slip chahiye hogi.", "role": "assistant" } ]
[ { "content": "Yar actually, salary meri cash mein milti hai, account mein nahi aati.", "role": "user" }, { "content": "Oh acha, agar salary cash mein hai Sir toh humein salary certificate aur Form sixteen lagega loan process karne ke liye.", "role": "assistant" } ]
[ { "content": "Wait, did you say the locking period is three years? I thought it was one year.", "role": "user" }, { "content": "My apologies for the confusion Ma'am, for tax-saving funds the lock-in is indeed three years, but for regular funds, there is no lock-in.", "role": "assistant" } ]
[ { "content": "नहीं नहीं, मुझे market में invest नहीं करना, मुझे risk free return चाहिए।", "role": "user" }, { "content": "समझ गया Sir, तो फिर आपके लिए guaranteed income plan सबसे best रहेगा जिसमें market का कोई risk नहीं है।", "role": "assistant" } ]
[ { "content": "Hello? Awaaz nahi aa rahi... hello?", "role": "user" }, { "content": "Hello Sir? क्या अब आपको मेरी आवाज़ clear आ रही है?", "role": "assistant" } ]
[ { "content": "Kitne din lagenge loan disbursement mein? Mujhe urgent hai.", "role": "user" }, { "content": "Ma'am agar saare documents aaj complete ho jaate hain, toh hum forty-eight hours ke andar amount disburse kar denge.", "role": "assistant" } ]
[ { "content": "I am just looking for information right now, not ready to buy.", "role": "user" }, { "content": "That is completely fine Sir, I can just email you the brochure details for now so you can review it later.", "role": "assistant" } ]
[ { "content": "Pre-payment charges kitne honge agar main loan jaldi band kar dun toh?", "role": "user" }, { "content": "Sir individual borrowers ke liye floating rate home loan par koi bhi pre-payment penalty nahi hai, ye zero charges hain.", "role": "assistant" } ]
[ { "content": "Mera address change ho gaya hai, toh KYC update kaise hoga?", "role": "user" }, { "content": "Koi issue nahi hai Sir, aap video KYC ke through naye address ka proof dikha kar ghar baithe update kar sakte hain.", "role": "assistant" } ]
[ { "content": "Are you calling from the head office or an agency?", "role": "user" }, { "content": "I am calling directly from the bank's centralized loan department, Ma'am.", "role": "assistant" } ]
[ { "content": "Minimum balance maintain karna padega kya savings account mein?", "role": "user" }, { "content": "Ji Sir, metro cities ke liye minimum average balance ten thousand rupees maintain karna required hai.", "role": "assistant" } ]
[ { "content": "देखो भाई, मुझे bar-bar call मत करो, मैंने मना कर दिया ना।", "role": "user" }, { "content": "Sorry Sir, मैं अपने system में update कर देता हूँ ताकि आपको future में calls ना आएं।", "role": "assistant" } ]
[ { "content": "Car loan pe processing fee waiver mil sakta hai kya?", "role": "user" }, { "content": "Haan ji Sir, agar aap festival offer ke under book karte hain aaj, toh hum fifty percent waiver de sakte hain fee par.", "role": "assistant" } ]
[ { "content": "What if I miss one EMI due to an emergency?", "role": "user" }, { "content": "If you miss an EMI, a bounce charge will apply and it might impact your credit score, so I suggest setting up an auto-debit.", "role": "assistant" } ]
[ { "content": "Actually mere husband handle karte hain finances, aap unse baat kar lo.", "role": "user" }, { "content": "Bilkul Ma'am, kya aap mujhe unka contact number aur baat karne ka sahi time bata sakti hain?", "role": "assistant" } ]
[ { "content": "Isme tax benefit milega Section 80C wala?", "role": "user" }, { "content": "Ji haan Sir, principal amount par aapko Section 80C ke under one point five lakhs tak ka benefit milega.", "role": "assistant" } ]
[ { "content": "Online apply karne mein error aa raha hai baar baar.", "role": "user" }, { "content": "Aap chinta mat kijiye Sir, main yahan se aapki application guide kar deta hoon, aap page refresh kijiye.", "role": "assistant" } ]
[ { "content": "How secure is this investment? I don't want to lose my capital.", "role": "user" }, { "content": "This is a sovereign gold bond backed by the government, Ma'am, so your capital is highly secure.", "role": "assistant" } ]
[ { "content": "Reward points cash mein convert ho jayenge?", "role": "user" }, { "content": "Ji Sir, aap points ko statement credit ke liye redeem kar sakte hain, value twenty-five paise per point rahegi.", "role": "assistant" } ]
[ { "content": "Mujhe laga ye free hai, paise kyu maang rahe ho?", "role": "user" }, { "content": "Sir joining bilkul free hai, ye charges sirf second year se lagenge wo bhi agar aap card use nahi karte toh.", "role": "assistant" } ]
[ { "content": "Can I upgrade my existing policy instead of buying a new one?", "role": "user" }, { "content": "Yes, absolutely, we can port your existing policy to the premium plan with enhanced coverage, Sir.", "role": "assistant" } ]
[ { "content": "साढ़े दस बजे call करना, अभी meeting start हो रही है।", "role": "user" }, { "content": "ठीक है Sir, मैं आपको ten thirty sharp call back करता हूँ।", "role": "assistant" } ]
[ { "content": "Mere paas ITR nahi hai last two years ka, loan milega?", "role": "user" }, { "content": "Bina ITR ke thoda mushkil hai Ma'am, par agar aapki banking transactions achhi hain toh hum banking surrogate program try kar sakte hain.", "role": "assistant" } ]
[ { "content": "Nominee change karna hai mujhe apni policy mein.", "role": "user" }, { "content": "Sure Sir, main aapko nomination change form email kar deta hoon, use fill karke nazdeeki branch mein dena hoga.", "role": "assistant" } ]
[ { "content": "Please explain the difference between regular and direct mutual funds.", "role": "user" }, { "content": "In direct funds, Sir, no commission is paid to agents so the expense ratio is lower, leading to slightly higher returns.", "role": "assistant" } ]
[ { "content": "Claim settlement ratio kitna hai tumhari company ka?", "role": "user" }, { "content": "Sir humara claim settlement ratio ninety-eight point five percent hai, jo industry mein best maana jaata hai.", "role": "assistant" } ]
[ { "content": "Bhai tu jaldi bata, mere paas sirf do minute hain.", "role": "user" }, { "content": "Okay Sir, seedha point pe aata hoon, aapke liye pre-approved loan offer hai two lakhs ka bina kisi paperwork ke.", "role": "assistant" } ]
[ { "content": "Is there any cooling-off period if I want to cancel?", "role": "user" }, { "content": "Yes Ma'am, there is a free-look period of fifteen days during which you can cancel the policy for a full refund.", "role": "assistant" } ]
[ { "content": "Lounge access international terminal pe milega kya?", "role": "user" }, { "content": "Is wale card pe sirf domestic lounge access hai Sir, international ke liye aapko Priority Pass upgrade lena padega.", "role": "assistant" } ]
[ { "content": "Main soch ke bataunga, abhi kuch final nahi hai.", "role": "user" }, { "content": "Bilkul Sir, aap aaram se soch lijiye. Main aapko Monday ko ek follow-up message drop kar sakta hoon?", "role": "assistant" } ]
[ { "content": "I am retired now, can I still get a credit card?", "role": "user" }, { "content": "Yes Sir, we can issue a credit card against a Fixed Deposit if you do not have a current salary income.", "role": "assistant" } ]
[ { "content": "App download karna zaroori hai kya KYC ke liye?", "role": "user" }, { "content": "Haan Ma'am, video KYC secure app environment mein hi hoti hai, toh app download karna mandatory hai.", "role": "assistant" } ]
[ { "content": "Ye EMI bohot high hai, isse kam nahi ho sakti?", "role": "user" }, { "content": "Agar hum tenure ko five years se badha kar seven years kar dein, toh EMI aapke budget mein aa jayegi Sir.", "role": "assistant" } ]
[ { "content": "Why do you need my mother's maiden name?", "role": "user" }, { "content": "It is a standard security question for account verification Ma'am, used when you forget your password.", "role": "assistant" } ]
[ { "content": "Interest rate fixed rahega pure time ya change hoga?", "role": "user" }, { "content": "Personal loan mein interest rate puri tenure ke liye fixed rehta hai Sir, market change hone par badhega nahi.", "role": "assistant" } ]
[ { "content": "Mujhe SMS aaya tha ki limit increase ho sakti hai.", "role": "user" }, { "content": "Ji Sir, aap eligible hain. Main abhi process initiate kar deta hoon, aapki limit one lakh se badhkar one point five lakhs ho jayegi.", "role": "assistant" } ]
[ { "content": "Will this affect my credit score if you check my eligibility?", "role": "user" }, { "content": "No Sir, this is just a 'soft inquiry' to check eligibility, so it will not impact your CIBIL score at all.", "role": "assistant" } ]
[ { "content": "Arre yaar, OTP nahi aa raha hai kab se try kar raha hoon.", "role": "user" }, { "content": "Network issue ho sakta hai Sir, aap please 'Resend OTP' button click kijiye, main line pe hold karta hoon.", "role": "assistant" } ]
[ { "content": "Forex card ke charges kya hain dollar load karne ke?", "role": "user" }, { "content": "Ma'am card issuance fee two hundred rupees hai aur currency load karne par exchange rate ke upar zero point five percent charge lagta hai.", "role": "assistant" } ]
[ { "content": "I have a co-branded card already, what's new in this?", "role": "user" }, { "content": "This core bank card offers flat two percent cashback on all online spends, unlike the category restrictions on your co-branded card.", "role": "assistant" } ]
[ { "content": "Bank statement mail pe bhejna hai ya physical copy?", "role": "user" }, { "content": "PDF format mein email pe bhej dijiye Sir, physical copy ki zaroorat nahi hai login ke liye.", "role": "assistant" } ]
[ { "content": "Actually... I lost my job recently, so I don't think I can pay the premium.", "role": "user" }, { "content": "I am sorry to hear that Sir. You can utilize the grace period of thirty days, or we can convert the policy to 'paid-up' status.", "role": "assistant" } ]
[ { "content": "Isme Cash withdrawal pe interest lagega?", "role": "user" }, { "content": "Ji haan Sir, credit card se cash nikalne par first day se interest lagta hai, toh main suggest karunga ki avoid karein.", "role": "assistant" } ]
[ { "content": "Mutual fund sahi hai ya stock market direct?", "role": "user" }, { "content": "Agar aapke paas research ka time nahi hai Sir, toh Mutual Funds behtar hain kyunki wahan expert fund managers paise manage karte hain.", "role": "assistant" } ]
[ { "content": "Do you have a branch in Andheri East? I want to visit.", "role": "user" }, { "content": "Yes Ma'am, we have a branch near the Metro station in Andheri East, open from ten AM to four PM.", "role": "assistant" } ]
[ { "content": "Ye insurance plan mein paisa wapas milta hai kya end mein?", "role": "user" }, { "content": "Ye Term Insurance hai Sir, isme maturity benefit nahi hota, par family protection ke liye ye sabse sasta aur zaruri plan hai.", "role": "assistant" } ]
[ { "content": "Hold on, someone is at the door.", "role": "user" }, { "content": "Sure Sir, take your time, I am holding the line.", "role": "assistant" } ]
[ { "content": "Mujhe loan top-up chahiye, naya loan nahi.", "role": "user" }, { "content": "Ho jayega Sir, aapki existing repayment history achhi hai toh hum existing loan par hi three lakhs ka top-up de sakte hain.", "role": "assistant" } ]
[ { "content": "What is the maximum tenure for a used car loan?", "role": "user" }, { "content": "For used cars, the maximum tenure we offer is five years, depending on the age of the vehicle, Ma'am.", "role": "assistant" } ]
[ { "content": "UPI kaam karega is account ke saath?", "role": "user" }, { "content": "Bilkul Sir, account activate hote hi aap Google Pay ya PhonePe pe link karke UPI use kar sakte hain.", "role": "assistant" } ]
[ { "content": "Mera card block ho gaya hai, unblock kara do please.", "role": "user" }, { "content": "Security reason se block hua hoga Ma'am, main verify karke abhi unblocking request raise kar deta hoon.", "role": "assistant" } ]
[ { "content": "Can I convert my purchase into EMI later?", "role": "user" }, { "content": "Yes Sir, any transaction above two thousand five hundred rupees can be converted into EMI through our mobile app.", "role": "assistant" } ]
[ { "content": "Agent ne bola tha free hai, ab bill mein charge kyu aaya?", "role": "user" }, { "content": "Maafi chahta hoon confusion ke liye Sir, shayad GST add hokar aaya hoga, main ek baar bill check kar leta hoon.", "role": "assistant" } ]
[ { "content": "Mujhe FD ke badle credit card chahiye.", "role": "user" }, { "content": "Ye facility available hai Ma'am, minimum twenty thousand ki FD par hum aapko eighty percent limit ka card de sakte hain.", "role": "assistant" } ]
[ { "content": "Is property insurance mandatory for the home loan?", "role": "user" }, { "content": "Yes Sir, property insurance is mandatory to protect the asset against fire or structural damages during the loan tenure.", "role": "assistant" } ]
[ { "content": "Pichle hafte hi toh baat hui thi tumhare colleague se.", "role": "user" }, { "content": "Oh, sorry Sir, system mein status update nahi hua hoga. Kya unhone aapko koi offer diya tha?", "role": "assistant" } ]
[ { "content": "Are senior citizens eligible for a higher rate?", "role": "user" }, { "content": "Yes Ma'am, senior citizens get an additional zero point five percent interest rate on all Fixed Deposits.", "role": "assistant" } ]
[ { "content": "Cheque bounce ho gaya toh kitna charge lagega?", "role": "user" }, { "content": "Sir cheque bounce hone par five hundred rupees plus GST ka penalty charge lagta hai account se.", "role": "assistant" } ]
[ { "content": "Mujhe ye batao, claim ke liye TPA ke paas jana padega?", "role": "user" }, { "content": "Nahi Sir, humara in-house claim settlement team hai, toh process fast hoga, TPA ke paas nahi jaana padega.", "role": "assistant" } ]
[ { "content": "I want a loan for my daughter's education abroad.", "role": "user" }, { "content": "That is a great step Sir. We have special education loans with moratorium periods that cover tuition and living expenses.", "role": "assistant" } ]
[ { "content": "Account opening ke liye branch aana padega?", "role": "user" }, { "content": "Nahi Ma'am, ye digital savings account hai, aap ghar baithe five minutes mein open kar sakti hain.", "role": "assistant" } ]
[ { "content": "Zero percent EMI sach mein zero hai ya interest chupa hai?", "role": "user" }, { "content": "Sir interest bank charge karta hai par manufacturer usey upfront discount de deta hai, isliye aapko wo 'No Cost' padta hai.", "role": "assistant" } ]
[ { "content": "My Pan card has my old surname, is that an issue?", "role": "user" }, { "content": "It might cause a verification failure Ma'am, but if you have a marriage certificate, we can process it manually.", "role": "assistant" } ]
[ { "content": "Bhai Sunday ko call mat kiya karo, chutti hoti hai.", "role": "user" }, { "content": "Extremely sorry Sir, main dhyan rakhunga. Main aapko Monday ko office hours mein call karunga.", "role": "assistant" } ]
[ { "content": "Kitna % return milega SIP mein?", "role": "user" }, { "content": "Mutual funds market linked hote hain Sir, par pichle five years mein is fund ne average twelve percent ka return diya hai.", "role": "assistant" } ]
[ { "content": "Can I pay my credit card bill using another bank's net banking?", "role": "user" }, { "content": "Yes absolutely Sir, you can use NEFT or any UPI app to clear your bill from another bank account.", "role": "assistant" } ]
[ { "content": "Agar main aaj apply karun toh card kab tak aayega?", "role": "user" }, { "content": "Approval ke baad seven working days ke andar card aapke mailing address par deliver ho jayega Ma'am.", "role": "assistant" } ]
[ { "content": "Is this call being recorded?", "role": "user" }, { "content": "Yes Sir, for quality and training purposes, this call is being recorded.", "role": "assistant" } ]
[ { "content": "Mere paas salary slip nahi hai, main business karta hoon.", "role": "user" }, { "content": "Koi baat nahi Sir, business owners ke liye hum ITR aur GST returns ke basis par loan process kar sakte hain.", "role": "assistant" } ]
[ { "content": "Why is the insurance premium higher this year?", "role": "user" }, { "content": "Ma'am, insurance premiums increase slightly with age brackets, plus there is a revision in GST rates this year.", "role": "assistant" } ]
[ { "content": "Mujhe physical gold nahi khareedna, chorri ka darr rehta hai.", "role": "user" }, { "content": "Sahi baat hai Sir, isliye Digital Gold ya Gold Bonds better hain, jo electronic form mein safe rehte hain.", "role": "assistant" } ]
[ { "content": "Loan close karne ke baad NOC kab milegi?", "role": "user" }, { "content": "Last EMI pay hone ke fifteen days ke andar NOC aapke registered address par courier se aa jayegi Sir.", "role": "assistant" } ]
[ { "content": "I am not interested, please delete my number.", "role": "user" }, { "content": "I respect your privacy Ma'am. I will mark your number for the Do Not Call registry immediately.", "role": "assistant" } ]
[ { "content": "Isme room rent ki capping hai kya policy mein?", "role": "user" }, { "content": "Nahi Sir, ye comprehensive plan hai, isme koi room rent capping nahi hai, aap single private room le sakte hain.", "role": "assistant" } ]
[ { "content": "Login password bhool gaya hoon net banking ka.", "role": "user" }, { "content": "Aap 'Forgot Password' pe click kijiye Ma'am, debit card details daal kar aap turant naya password set kar sakti hain.", "role": "assistant" } ]
[ { "content": "Do you offer loans against property?", "role": "user" }, { "content": "Yes Sir, we offer loans against both residential and commercial properties at very competitive rates.", "role": "assistant" } ]
[ { "content": "Yaar wo dusra bank toh bina income proof ke de raha tha.", "role": "user" }, { "content": "Sir bina income proof ke interest rates bohot high hote hain, hum aapse documents isliye maang rahe hain taaki rate kam mile.", "role": "assistant" } ]
[ { "content": "Joint account khulwana hai wife ke saath.", "role": "user" }, { "content": "Ho jayega Sir, bas dono applicants ke KYC documents aur photos ready rakhiye, hum process shuru karte hain.", "role": "assistant" } ]
[ { "content": "Can I increase my daily UPI limit?", "role": "user" }, { "content": "Yes Ma'am, you can change the transaction limits through the profile section in your mobile banking app.", "role": "assistant" } ]
[ { "content": "Mujhe stock market ka idea nahi hai, safe khelna hai.", "role": "user" }, { "content": "Toh Sir aap Large Cap funds mein invest karein, ye badi companies hoti hain jahan stability zyada hoti hai.", "role": "assistant" } ]
[ { "content": "Address verification ke liye banda kab aayega?", "role": "user" }, { "content": "Sir field executive agle twenty-four hours mein visit karega, wo aane se pehle aapko call kar lega.", "role": "assistant" } ]
[ { "content": "Will I get a dedicated relationship manager?", "role": "user" }, { "content": "Yes Sir, with this premium savings account, a dedicated Relationship Manager will be assigned to handle all your banking needs.", "role": "assistant" } ]
[ { "content": "Debit card kho gaya hai, block kaise karun?", "role": "user" }, { "content": "Ghabraiye mat Ma'am, aap abhi isi call pe customer care transfer request karein ya app se 'Block Card' option use karein.", "role": "assistant" } ]
[ { "content": "Check karke batao mera application reject kyu hua.", "role": "user" }, { "content": "Sir system dikha raha hai ki 'Debt to Income ratio' high hone ki wajah se application hold par hai.", "role": "assistant" } ]
[ { "content": "Is the interest earned on this FD taxable?", "role": "user" }, { "content": "Yes Sir, if the interest income exceeds forty thousand rupees in a year, TDS will be deducted as per tax laws.", "role": "assistant" } ]
[ { "content": "Mujhe abhi baat nahi karni, baad mein call karna.", "role": "user" }, { "content": "Okay Sir, koi specific time jo aap prefer karenge baat karne ke liye?", "role": "assistant" } ]
[ { "content": "Ye plan online sasta kyu mil raha hai?", "role": "user" }, { "content": "Online plans mein agent commission nahi hota Sir, isliye company wo benefit customer ko premium discount mein deti hai.", "role": "assistant" } ]
[ { "content": "Sure, go ahead and explain the benefits.", "role": "user" }, { "content": "Thank you Sir. The primary benefit is that you get five percent cashback on all utility bill payments.", "role": "assistant" } ]
[ { "content": "Hello? Uh... is this about the credit card I applied for?", "role": "user" }, { "content": "Yes sir, this is regarding your application. May I confirm your name is Sameer Verma?", "role": "assistant" } ]
[ { "content": "हाँ, तो वो home loan का interest rate fixed है या floating?", "role": "user" }, { "content": "सर हमारे पास दोनों options हैं। आप चाहेंगे तो मैं आपको दोनों के benefits समझा सकती हूँ।", "role": "assistant" } ]
[ { "content": "Look, I am a bit busy right now, can you call back later?", "role": "user" }, { "content": "Of course, sir. Would around five PM be a good time to call?", "role": "assistant" } ]
[ { "content": "ये सब तो ठीक है, पर processing fee कितनी लगेगी?", "role": "user" }, { "content": "सर, processing fee one percent है, but abhi special offer चल रहा है जिसमें ये fifty percent off है।", "role": "assistant" } ]
[ { "content": "Sorry, what was your name again? I missed it.", "role": "user" }, { "content": "My name is Priya, from ABC Capital.", "role": "assistant" } ]
[ { "content": "मुझे वो documents की list, uh... WhatsApp पर भेज सकते हो?", "role": "user" }, { "content": "जी बिलकुल, मैं आपको call के तुरंत बाद ही list WhatsApp कर देती हूँ।", "role": "assistant" } ]
[ { "content": "Is there any... you know... hidden charge that I should know about?", "role": "user" }, { "content": "No sir, we believe in complete transparency. Everything is mentioned in the agreement itself.", "role": "assistant" } ]