Frequently Asked Questions

Two Factor Authentication

  1. What is a two factor authentication?
    It is a security feature where a customer will need to satisfy Two authentication criteria in order to login to a system.
  2. Why do I need two factor authentications for online trading?
    With reference to SEBI circular CIR/MRD/DP/ 8 /2011 dated June 30, 2011 regarding internet based trading (IBT), Two-factor authentication for login session is required to be implemented for all orders originating using Internet Protocol In compliance with the new SEBI circular on increasing the security for your Equity trading account, we have introduced the Two factor authentication process. This will give another security layer to your trading account.
  3. For whom this two factor authentication is applicable?
    This feature is applicable to all the online customers of IIFL.
  4. What will be the Two factors authentication that IIFL will use?
    IIFL will ask you for your PAN card no. or Date of birth in addition to the login ID and password you enter, at time of logging in to your trading account.
  5. Can I trade without additional level of authentication?
    No, for every login you need to have a password and either your Date of Birth details or PAN card.
  6. How can I update my contact details?
    1. Go to ttweb.indiainfoline.com/TT exe
    2. Login with your User ID and password
    3. Click on ‘My Account’
    4. Click ‘Form Formats’
    5. Select the form of Change in Account details
    6. Fill the same and submit it to the nearest branch

Trader MultipleTop

  1. What is Trader Multiple?
    • Trader Multiple is a product that allows you to take 15 times exposure on the available margin on certain approved scrips(NIFTY 50 Stocks) for intra-day, with maximum SL range of 3%
    • It allows you to take intra-day position on certain Future stocks/index at only 50% of required margin, with maximum SL range 2.5% i.e It allows you to take 25 times exposure i.e. 4% margin on Index Future (Nifty, Bank Nifty, Sensex).
    • In the Currency Segment, For USDINR contracts it allows you to take position at only 50% margin (1.19%) whereas the exchange requirement is (2.38%), with Maximum SL range of .85%
    • It also allows NSE stock futures of Sensex 30 scrips with 50% of exchange margin, with maximum SL range of 3%.

    Advantages
    This product enables you the flexibility to take positions in certain scrips/stocks and putting a Limit profit Order and also stop loss order at the same time, thus enabling you to minimize your loss in case of unfavourable market conditions. IIFL reserves the right to change the list of stocks and availability of margin, without prior notice based on the market conditions.
  2. Which segment of clients can avail this facility?
    This facility is available only for Online Trading customers and offline clients subject to necessary documents received by India Infoline Ltd (IIFL)
  3. Which segment can I Place the orders in?
    Trade multiple Orders can be placed in NSE Currency Futures, NSE/BSE Cash & NSE Futures segment.
  4. Which exchanges can I place Trader Multiple orders?
    Trader multiple orders can be placed only on NSE Currency Future, NSE/BSE Cash & NSE Futures segment.
  5. Which Stocks are allowed under Trader Multiple product?
    Currently Specific stocks in the Nifty Basket and BSE Sensex are allowed in the Trader Multiple product. The list is available on website.
    However, IIFL reserves the right to change the above list without prior notice.
  6. What would be the brokerage payable under Trader Multiple product?
    The brokerage charged for Trader Multiple orders will be same as normal brokerages charged
  7. Can I convert the Trader Multiple positions to delivery or intraday product?
    No, There are no product conversions allowed for this product
  8. What is the time that I can place Trader Multiple orders?
    The Trader Multiple orders can be placed only during market hours. For example
    1. NSE/BSE Cash & Futures: from 9.15 a.m. till 3.15 p.m. All Trader Multiple orders have to be squared off by 3.15 p.m.
    2. NSE Currency Futures: from 9.00 a.m. till 4.45 p.m. All Trader Multiple orders have to be squared off by 4.45 p.m.
  9. What is a primary order?
    The order that is placed to create a position is called primary/fresh order. These orders are all market orders.
  10. What is Stop Loss Order?
    The order which covers your loss against the fresh order placed by you. For example, if the fresh order is a buy order then the cover will be a sell order. The cover order has to be a stoploss order. The cover order will benefit you in capping your losses in case of unfavorable market conditions
  11. How do I place an order for a selected scrip using Trader Multiple?
    1. Login in to your trading platform entering existing login id and password
    2. Click on Trader Multiple Order on the market menu
    3. Accept the terms and conditions to activate the Trader Multiple product
    4. Select the Exchange, scrip and Buy/sell option
    5. Put the desired qty based on the margin available and place the order. The orders in Trader Multiple are placed at market price by default.
  12. How do I check the status of order in case the order is placed through Trader Multiple?
    The status of the order can be checked in the order book
  13. What happens to the Stop loss order if the Trader multiple order gets executed first?
    The stop loss order will get cancelled automatically.
  14. What happens to the Trader Multiple order if the stop loss order gets executed first?
    The trader multiple order will get cancelled automatically.
  15. Can I modify the Trader Multiple after placing the initial order?
    Yes, you can modify the Trader Multiple order and capitalize on positive market movements. Please note: You cannot modify the quantity of shares in Stop Loss order
  16. Can I modify the details of the Stop Loss order?
    Yes, you can modify the details of the Stop Loss Limit Price and Stop loss trigger Price.
    For EX
    Case 1:
    If you had placed an order to buy 500 shares of Reliance Industries at Rs 1000/-(Market price), the system would have placed a Stop Loss order to sell the 500 shares with a trigger price of Rs 980/-. One can modify the Stop loss order's trigger price to Rs 980 but not any value below 970/-
    Case 2:
    Case 1: If you had placed an order to Sell 500 shares of Reliance Industries at Rs 1000/-, the system would have placed a Stop Loss order to buy the 500 shares with a trigger price of Rs 1030/-. One can modify the Stop loss order's trigger price to Rs 1020 but not any value above 1030/-
  17. Can I Cancel the Trader Multiple order?
    You cannot cancel the Trader Multiple order. All Trader Multiple orders will be automatically squared off as a market order by 3.15, in case you do not square it yourself or if the Stop loss price is not achieved.

Equity Systematic Investment Plan (SIP)Top

  1. What is "Equity Systematic Investment Plan" (Equity SIP)?
    Equity SIP is a new facility offered through indiainfoline.com using which you can place buy orders for a prespecified amount or for a prespecified quantity in scrips of your choice at regular intervals over a period of time as selected by you. For instance, you can select an Equity SIP for a period of say 6 months to invest 3000 per month / other permitted frequency in shares of BHEL or alternatively you can choose to buy 1 shares of BHEL every month / other permitted frequency through Equity SIP.
    After you have provided the necessary details i.e the scrip, amount / quantity to be invested, frequency of investment, total time period and authorized India Infoline Limited (IIFL) vide your Equity SIP request, IIFL will place your Equity SIP buy orders at market price.
  2. Can all clients of India Infoline Limited avail Equity SIP facility?
    Yes. All online existing and new clients of India Infoline Limited can avail the Equity SIP facility.
  3. How can I invest through Equity SIP?
    To start investing through Equity SIP there are 2 options

    1. Through TT Web : You will have to follow 5 easy steps as mentioned below:
    • Login to your TT web trading account on https://ttweb.indiainfoline.com/trade/
    • Enter Client ID>>Password>> Product Equity >> Submit
    • Click on the tab Market >>Equity SIP
    • Fill in the required details, accept the Terms & Conditions
    • Click on 'Submit'
    2. Through TT exe : You will have to follow 5 easy steps as mentioned below:
    • Login to your TT exe. trading account.
    • Enter Client ID>>Password>> >> Submit
    • Click on the tab SIP>> Orders>>Equity SIP
    • Fill in the required details, accept the Terms & Conditions
    • Click on 'Submit'
  4. Why should I invest through Equity SIP when I can invest in cash segment?
    Equity SIP allows you to systematically invest a prespecified sum / buy a prespecified quantity of shares over any defined period of time in a disciplined manner. You can therefore invest at predefined intervals without the need to worry about the right time to invest in the Equity market.
    Unlike in the cash segment, where you have to time the market to make gains, Equity SIP helps you to bring down your average cost of acquisition of shares due to the averaging principle.
    Equity SIP eliminates the need for you to actively track the market and helps in distributing your investment over a period of time.
  5. What is an Equity SIP Request?
    An Equity SIP Request is an online instruction placed by you on https://ttweb.indiainfoline.com/trade to place buy orders in your account as per the details specified by you.
  6. Can I place Equity SIP Request for Sell transactions?
    No. You can place SIP Requests for "buy" orders only under the Equity SIP facility.
  7. What is the difference between Equity SIP request and Equity SIP order?
    Equity SIP request is an authorization given by you to IIFL for placing buy orders as per your instructions mentioned in the request.
    The orders placed by IIFL as per your authorization vide the SIP request are called Equity SIP orders.
  8. Do I need to allocate funds for placing an Equity SIP Request?
    No. Equity SIP Request is merely an authorisation given to IIFL to place order in your account as per your instructions vide the SIP Request. Hence, funds are not required or used when you place Equity SIP Requests.
    Your funds would however be required and used at the time of placing the SIP orders.
  9. What is meant by "Frequency"? Please explain how does it work?
    Frequency means the time interval, after the start date, with which you wish SIP orders to be placed in your account. Depending on the frequency selected by you, IIFL will place SIP orders at the defined intervals after the start date for the total period specified by you. The First order will be placed on the start date specified by you and thereafter orders would be placed at the frequency for the total period as per your request.
    For example:,
    If you have placed a SIP request for buying 100 shares of Reliance at a 'Monthly' frequency for a total period of 6 months with start date 10-04-2012, IIFL will place 6 orders for this SIP i.e. the first order being on the Start date and the other order in the next month after the start date on a monthly frequency. In this case the first SIP order for 100 shares in Reliance is placed by IIFL on 10-04-2012, the next SIP order will be placed in the next month on 10-05-2012 and last installment will be on 10-09-2012 which will be the end date.
  10. Do I need to log in on every SIP date to place the Equity SIP orders?
    No. Once you have placed your Equity SIP requests, IIFL will place the Equity SIP buy orders on your behalf. You need not login to your account to purchase the shares.
  11. What is meant by Minimum and Maximum Period?
    'Minimum Period' is the period below which an Equity SIP request cannot be placed ie. you need to place an Equity SIP request for a period equal to or greater than the minimum period. Currently minimum period is 6 months
    'Maximum' Period is the period beyond which an Equity SIP request cannot be placed ie you need to place an Equity SIP request for a period equal to or lesser than the maximum period. Currently maximum period is 120 months
    The Order placement page displays the Minimum period and the Maximum period at the time of placing the SIP request.
    IIFL may change the Minimum period or the Maximum period from time to time without giving any prior notice.
  12. What are the types of Equity SIP request I can choose on indiainfoline.com and how do I indicate my choice?
    You may select either Amount based SIP request or Quantity based SIP request. You can indicate your choice by selecting the desired option under the field "Invest by" at the time of placing the Equity SIP request.
  13. What is "Amount" based Equity SIP?
    Amount based Equity SIP is a SIP type wherein a fixed amount (or approximately the same) is invested in your desired scrip at each frequency.
    In case of Amount based SIP, you need to specify the amount to be invested in the scrip at your desired frequency. The amount specified by you should be equal to or above the minimum amount defined by IIFL.
    At the time of placement of your SIP order, since quantity of shares has to be specified, the same will be calculated by dividing the SIP amount specified by you with the prevailing market price of the scrip at the time of order placement as per the SIP request.
    The formula would be Quantity = SIP Amount / Market price. Any fractional quantity will be ignored and order will be placed for the balance quantity. The actual order value would be based on the market price for the quantity so calculated above.
  14. What is "Quantity" based Equity SIP?
    Quantity based Equity SIP is a SIP type wherein a fixed quantity of shares of your desired scrip is purchased at each frequency.
    In case of Quantity based SIP, the quantity would be as specified by you and would be fixed while placement of orders as per your desired frequency. The order value would be calculated based on the market price of the scrip prevailing in the market at the time of order placement.
  15. What is "Equity SIP Registration Book"? What are the details available on the Equity SIP Request book?
    The "Equity SIP Registration Book" on the site is a page which displays the details of the SIP requests placed by you under the Equity SIP product. You can view the Equity SIP Registration book by visiting Equity SIP Registration Book link under the Holding page on the Equity segment. This book will provide you the details like the SIP reference no., stock name, quantity or amount, frequency, total period, start date, next SIP date, end date etc.
  16. What is "SIP Order book" link? What are the details available on the 'SIP order book' link?
    The "SIP order book" link on the holding page under Equity segment is a link which displays all your ongoing equity SIP requests . This link will provide you with details of the SIP order executed like the date, SIP transaction no., stock name, SIP type, quantity or amount, status, SIP start date, SIP end date, next SIP date etc.
  17. Can I place Equity SIP request in any scrip?
    Equity SIP requests can be placed only in select scrips which are available on cash segment as per india infoline.
    IIFL may include or exclude any scrips from the Stock list at any time without any prior intimation.
  18. Where can I view the SIP Stock list?
    All scrips which are available for trading in cash segment on india infoline platform are available for sip also. So, please refer equity market scrip list.
  19. In which exchanges can I place Equity SIP Requests?
    You can place Equity SIP Requests for placing SIP orders in both NSE as well as BSE.
  20. Can I place Equity SIP Request at any time during the day?
    Yes. You may place Equity SIP Request at any time during the day and even post market hours.
  21. Can I place Equity SIP Request through CallNTrade?
    Currently this facility is not available.
  22. How many Equity SIP Requests can I place in a day? Is there a restriction on the number of scrips in which Equity SIP can be placed by a client?
    You can place multiple Equity SIP Requests in a day for different scrips or for the same scrip irrespective of whether the SIP requests are Amount based or Quantity based.
    There is a restriction of maximum 10 scrips that you choose for Equity SIP request with a single mandate rovided the scrips are enabled under the stock list.
  23. Can I place "Quantity" and "Amount" based SIP Request in the same scrip simultaneously?
    You can choose both, Quantity as well as Amount based, SIP request simultaneously for different scrips or the same scrip. However, you will have to place two different SIP requests for each SIP type in each Scrip.
  24. When would IIFL place my Equity SIP orders?
    When placing an Equity SIP request, you are required to select a "start date" from when Equity SIP order placement will commence. IIFL will place the order from the start date selected by you as per your request. The start date should be atleast T+2 from the date of placing the Equity SIP request in case of ledger and T+30 in case of SIP through Bank
    Thereafter, the orders would be placed on the basis of the frequency and the total period chosen by you in your Equity SIP Request.
    The orders would be placed on these dates provided they are trading days. In case the frequency dates fall on Trading holidays, then the orders would be placed by IIFL on the subsequent trading day. In case of SIP with daily frequency, orders would be placed by IIFL only on trading days. During a SIP order placement date, the time of order placement would be at the discretion of IIFL and would be displayed on the site for your reference.
  25. Is there a possibility that my entire SIP order may not be executed at the exchange?
    Yes. IIFL is merely your agent for placing orders as per the instructions given by you under the facility. IIFL does not have any role to play in the execution of trades after the orders have been placed. Trade execution takes place at the exchange platform as per the order matching rules of the exchange. Thus there is a possibilty that orders may be executed only partially or may not be executed at all; as is the case with normal cash transactions also.
  26. At what price will my Equity SIP orders be placed and where can I see details of the same?
    You can view the details of all successfully placed SIP orders in your account in the normal Equity SIP order book.
  27. How do I differentiate between SIP orders and cash orders in the order book?
    Equity SIP orders and cash order books details are visible from 2 different reports.
  28. I have forgotten to allocate enough funds for my Equity SIP order. Is my order liable to be rejected?
    In case of SIP through ledger ,IIFL will place the order only after checking that sufficient clear funds are available in your Equity ledger in case of SIP . In case the clear funds in your Equity ledger are insufficient to place your Equity SIP order, the entire Equity SIP order will not fail.
    Please note that EQUITY SIP order will be placed for partial amount/quantity on the basis of priority. In case sufficient balance is not available in your account.

    In case of SIP through bank, IIFL will place the order only after checking that sufficient Money is credited to IIFL through mode of ECS. In case the ECS transaction get rejected entire sip order will fail.
  29. Where can I view the SIP order placement date for my SIP requests?
    You can view your order placement date in the Equity SIP Registration book under the column 'Holding'.
  30. Can I cancel a SIP request?
    Yes. You can cancel an On-going SIP request at any time before IIFL has initiated order placement on the order placement date .
    Currently You can cancel your SIP request by putting a e-mail on iiflmfipo@indiainfoline.com along with SIP registration details. But soon you can cancel your SIP request by visiting the Equity SIP registration book under the Equity holding page of your online trading account.
    Once you cancel a SIP Request, all future orders to be placed against such SIP Request no. would stand cancelled.
  31. Is the brokerage rate different for Cash and Equity SIP transactions?
    No, there is no change in the brokerage rates for Equity SIP transactions. Brokerage rates and applicable charges applicable for Equity SIP transactions would be the same as your cash transactions. But Rs. 10 per installment will be charged over and above normal brokerage for executing the SIP Transaction.
  32. How will my Equity SIP transactions be settled?
    Settlement of Equity SIP transactions would be done in the same manner as cash transactions.
  33. Can I sell shares which I have bought through Equity SIP ?
    Yes. Shares bought in your demat account through Equity SIP are at par with the ones bought by you in the cash segment. You can therefore sell/ otherwise deal in such shares at anytime as per your requirement.

Commodity Systematic Investment Plan (SIP)Top

  1. What is "Commodity Systematic Investment Plan" (Commodity SIP)?
    Commodity SIP is a new facility offered through indiainfoline.com using which you can place buy orders for a prespecified amount or for a prespecified quantity in scrips of your choice at regular intervals over a period of time as selected by you. For instance, you can select a Commodity SIP for a period of say 6 months to invest 1 lot of gold/silver every month/ other permitted frequency through commodity SIP.
    After you have provided the necessary details i.e the scrip, amount/ quantity to be invested, frequency of investment, total time period and authorized India Infoline Limited (IIFL) vide your commodity SIP request, IIFL will place your commodity SIP buy orders at market price.
  2. Can all clients of India Infoline Limited avail Commodity SIP facility?
    Yes. All existing and new clients of India Infoline Limited who are registered with us for spot trading can avail the commodity SIP facility.
  3. What is a Commodity SIP Request?
    A Commodity SIP Request is an online instruction placed by you on https://ttweb.indiainfoline.com/trade/ authorizing IIFL to place buy orders in your account as per the details specified by you.
  4. Can I place Commodity SIP Request for Sell transactions?
    No. You can place SIP Requests for "buy" orders only under the Commodity SIP facility.
  5. What is the difference between Commodity SIP request and Commodity SIP order?
    Commodity SIP request is an authorization given by you to IIFL for placing buy orders as per your instructions mentioned in the request.
    The orders placed by IIFL as per your authorization vide the SIP request are called Commodity SIP orders.
  6. Do I need to allocate funds for placing a Commodity SIP Request?
    No. Commodity SIP Request is merely an authorization given to IIFL to place order in your account as per your instructions vide the SIP Request. Hence, funds are not required or used when you place Commodity SIP Requests.
    Your funds would however be required and used at the time of placing the SIP orders.
  7. What is meant by "Frequency"? Please explain how does it work?
    Frequency means the time interval, after the start date, with which you wish SIP orders to be placed in your account. Depending on the frequency selected by you, IIFL will place SIP orders at the defined intervals after the start date for the total period specified by you. The First order will be placed on the start date specified by you and thereafter orders would be placed at the frequency for the total period as per your request.
    For example:,
    If you have placed a SIP request for buying 1 lot of Gold at a 'Monthly' frequency for a total period of 6 months with start date 10-04-2012, IIFL will place 6 orders for this SIP i.e. the first order being on the Start date and the other order in the next month after the start date on a monthly frequency. In this case the first SIP order for 1 lot gold is placed by IIFL on 10-04-2012, the next SIP order will be placed in the next month on 10-05-2012 and so on till the end date 10-09-2012.
  8. Do I need to log in on every SIP date to place the Commodity SIP orders?
    No. Once you have placed your Commodity SIP requests, IIFL will place the Commodity SIP buy orders on your behalf. You need not login to your account to purchase the shares.
  9. What is meant by Minimum and Maximum Period?
    'Minimum Period' is the period below which a Commodity SIP request cannot be placed i.e. You need to place a Commodity SIP request for a period equal to or greater than the minimum period. Currently minimum period is 6 months
    'Maximum' Period is the period beyond which a Commodity SIP request cannot be placed ie you need to place a Commodity SIP request for a period equal to or lesser than the maximum period. Currently maximum period is 120 months
    The Order placement page displays the Minimum period and the Maximum period at the time of placing the SIP request.
    IIFL may change the Minimum period or the Maximum period from time to time without giving any prior notice.
  10. What are the types of Commodity SIP request I can choose on indiainfoline.com and how do I indicate my choice?
    You may select only Quantity based SIP request. You can indicate your choice by selecting the desired quantity "SIP Quantity" at the time of placing the Commodity SIP request.
  11. What is "Quantity" based Commodity SIP?
    Quantity based Commodity SIP is a SIP type wherein a fixed quantity of security of your desired scrip is purchased at each frequency.
    In case of Quantity based SIP, the quantity would be as specified by you and would be fixed while placement of orders as per your desired frequency. The order value would be calculated based on the market price of the scrip prevailing in the market at the time of order placement.
  12. How can I invest through Commodity SIP?
    To start investing through Commodity SIP there are 2 options

    1. Through TT Web : You will have to follow 5 easy steps as mentioned below:
    • Login to your TT web trading account on https://ttweb.indiainfoline.com/trade/
    • Enter Client ID>>Password>> Product Commodity >> Submit
    • Click on the tab Market >>Commodity SIP
    • Fill in the required details, accept the Terms & Conditions
    • Click on ‘Submit’
    2. Through TT exe : You will have to follow 5 easy steps as mentioned below:
    • Login to your TT exe. trading account.
    • Enter Client ID>>Password>> >> Submit
    • Click on the tab SIP>> Orders>>Commodity SIP
    • Fill in the required details, accept the Terms & Conditions
    • Click on ‘Submit
  13. What is "Commodity SIP Registration Book"? What are the details available on the Commodity SIP Request book?
    The "Commodity SIP Registration Book" on the site is a page which displays the details of the SIP requests placed by you under the Commodity SIP product. You can view the Commodity SIP Registration book by visiting Commodity SIP Registration Book link under the Holding page on the Commodity segment. This book will provide you the details like the SIP reference no., stock name, quantity or amount, frequency, total period, start date, next SIP date, end date etc.
  14. What is "SIP Order book" link ? What are the details available on the 'SIP order book' link?
    The "SIP order book" link on the holding page under Commodity segment is a link which displays all your ongoing Commodity SIP requests . This link will provide you with details of the SIP order executed like the date, SIP transaction no., stock name, SIP type, quantity or amount, status, SIP start date, SIP end date, next SIP date etc. You can view this report by clicking on the security name under SIP registration book.
  15. Can I place Commodity SIP request in any scrip?
    Commodity SIP requests can be placed only in select scrips as approved by India Infoline. Currently you can do sip only in e-gold and e-silver.
    IIFL may include or exclude any scrips from the Stock list at any time without any prior intimation.
  16. In which exchanges can I place Commodity SIP Requests?
    You can place Commodity SIP Requests only on NSEL.
  17. Can I place Commodity SIP Request at any time during the day?
    Yes. You may place Commodity SIP Request at any time during the day and even post market hours.
  18. Can I place Commodity SIP Request through CallNTrade?
    Currently this facility is not available.
  19. How many Commodity SIP Requests can I place in a day? Is there a restriction on the number of scrips in which Commodity SIP can be placed by a client?
    You can place multiple Commodity SIP Requests in a day for different scrips or for the same scrip irrespective of whether the SIP requests are Amount based or Quantity based.
  20. When would IIFL place my Commodity SIP orders ?
    When placing a Commodity SIP request, you are required to select a "start date" from when Commodity SIP order placement will commence. IIFL will place the order from the start date selected by you as per your request. The start date should be atleast T+2 from the date of placing the Commodity SIP request in case of ledger and T+30 in case of SIP through Bank
    Thereafter, the orders would be placed on the basis of the frequency and the total period chosen by you in your Commodity SIP Request.
    The orders would be placed on these dates provided they are trading days. In case the frequency dates fall on Trading holidays, then the orders would be placed by IIFL on the subsequent trading day. In case of SIP with daily frequency, orders would be placed by IIFL only on trading days. During a SIP order placement date, the time of order placement would be at the discretion of IIFL and would be displayed on the site for your reference.
  21. Is there a possibility that my entire SIP order may not be executed at the exchange?
    Yes. IIFL is merely your agent for placing orders as per the instructions given by you under the facility. IIFL does not have any role to play in the execution of trades after the orders have been placed. Trade execution takes place at the exchange platform as per the order matching rules of the exchange. Thus there is a possibility that orders may be executed only partially or may not be executed at all; as is the case with normal cash transactions also.
  22. At what price will my Commodity SIP orders be placed and where can I see details of the same?
    You can view the details of all successfully placed SIP orders in your account in the normal Commodity SIP order book.
  23. I have forgotten to allocate enough funds for my Commodity SIP orders. Is my order liable to be rejected?
    No. It is advisable that you allocate funds under the Commodity segment in your trading account towards your commodity SIP orders from your linked bank account. In case you have not allocated the required amount, IIFL will place the order only after checking that sufficient clear funds are available in our commodity account . In case the clear funds in your linked commodity account are also insufficient to place your commodity SIP order, the entire commodity SIP order would fail.
    Please note that commodity SIP order will not be placed for partial quantity. In case sufficient balance is not available in your account, your entire order will fail.
  24. Where can I view the SIP order placement date for my SIP requests?
    You can view your order placement date in the Commodity SIP Registration book under the column 'Holding'.
  25. Can I cancel a SIP request?
    Yes. You can cancel an On-going SIP request at any time before IIFL has initiated order placement on the order placement date .
    Currently You can cancel your SIP request by putting an e-mail on commsip@indiainfoline.com along with SIP registration details. But soon you can cancel your SIP request by visiting the Commodity SIP registration book under the Commodity holding page of your online trading account.
    Once you cancel a SIP Request, all future orders to be placed against such SIP Request no. would stand cancelled.
  26. Is the brokerage rate different for Cash and Commodity SIP transactions?
    No, there is no change in the brokerage rates for Commodity SIP transactions. Brokerage rates and applicable charges applicable for Commodity SIP transactions would be the same as your cash transactions. But Rs. 10 per installment will be charged over and above normal brokerage for executing the SIP Transaction.
  27. How will my Commodity SIP transactions be settled ?
    Settlement of Commodity SIP transactions would be done in the same manner as cash transactions.
  28. Can I sell my scrips which I have bought through Commodity SIP ?
    Yes. Scrips bought in your demat account through Commodity SIP are at par with the ones bought by you in the cash segment. You can therefore sell/ otherwise deal in such scrips at anytime as per your requirement.

Mutual Fund Systematic Investment Plan (SIP)Top

  1. What is "Online Muual Fund Systematic Investment Plan" (Mutual Fund SIP)?
    Online Mutual Fund SIP is a new facility offered through indiainfoline.com using which you can place buy orders for a prespecified amount of your choice at regular intervals over a period of time as selected by you. For instance, you can select a Mutual Fund SIP for a no of installment, frequency and amount as specified by the Asset Management company.
    After you have provided the necessary details i.e the scheme, amount to be invested, frequency of investment, total time period and authorized India Infoline Limited (IIFL) vide your Mutual Fund SIP request, IIFL will place your Mutual Fund SIP buy orders at market price.
  2. Can all clients of India Infoline Limited avail Mutual Fund SIP facility?
    Yes. All clients registered after 1st January 2008 with India Infoline Limited can avail the Mutual Fund SIP facility.
  3. Why should I invest through Mutual Fund SIP ?
    The MUTUAL FUND SIP offers the following advantages
    • Disciplined investment approach
      Instead of investing large amounts sporadically, you achieve better results by investing smaller sums regularly. The MUTUAL FUND SIP ensures that you save some amount at least for the next 12-month period
    • Rupee cost averaging
      With MUTUAL FUND SIP you buy more units when the prices are low and fewer units when the prices are high. This results in averaging of cost per unit
    • Avoids sentiment-driven investments
      By making you invest the same amount every month (or every quarter), the MUTUAL FUND SIP helps you avoid the common error of investing larger sums in bull markets (when the markets are at a high) and smaller sums in bear markets (when the markets are at a low)
    • Allows investments in small amounts
      With a monthly investment of as little as INR1,000*, you can easily include the MUTUAL FUND SIP within your monthly budget, without altering your financial plans significantly
    • Convenience
      You have the option of directly debiting your bank account for payments made towards the MUTUAL FUND SIP. All you need to do is give standing instructions once towards the same, and leave the rest to us
  4. What is a Mutual Fund SIP Request?
    A Mutual Fund SIP Request is an online instruction placed by you on https://ttweb.indiainfoline.com/trade/ authorising IIFL to place buy orders in your account as per the details specified by you.
  5. Can I place Mutual Fund SIP Request for Sell transactions?
    No. You can place SIP Requests for "buy" orders only under the Mutual Fund SIP facility.
  6. What is the difference between Mutual Fund SIP request and Mutual Fund SIP order?
    Mutual Fund SIP request is an authorization given by you to IIFL for placing buy orders as per your instructions mentioned in the request.
    The orders placed by IIFL as per your authorization vide the SIP request are called Mutual Fund SIP orders.
  7. Do I need to allocate funds for placing a Mutual Fund SIP Request?
    No. Mutual Fund SIP Request is merely an authorisation given to IIFL to place order in your account as per your instructions vide the SIP Request. Hence, funds are not required or used when you place Mutual Fund SIP Requests.
    Your funds would however be required and used at the time of placing the SIP orders.
  8. What is meant by "Frequency"? Please explain how does it work?
    Frequency means the time interval, after the start date, with which you wish SIP orders to be placed in your account. Depending on the frequency selected by you, IIFL will place SIP orders at the defined intervals after the start date for the total period specified by you. The First order will be placed on the start date specified by you and thereafter orders would be placed at the frequency for the total period as per your request.
    For example:,
    If you have placed a SIP request for investing Rs.5,000 in Reliance Banking Fund at a 'Monthly' frequency for a total period of 6 months with start date 10-04-2012, IIFL will place 6 orders for this SIP i.e. the first order being on the Start date and the other order in the next month after the start date on a monthly frequency. In this case the first SIP order for Rs. 5,000 in Reliance Banking Fund is placed by IIFL on 10-04-2012 , the next SIP order will be placed in the next month on 10-05-2012 and so on till the end date 10-09-2012.
  9. Do I need to log in on every SIP date to place the Mutual Fund SIP orders?
    No. Once you have placed your Mutual Fund SIP requests, IIFL will place the Mutual Fund SIP buy orders on your behalf. You need not login to your account to purchase the units.
  10. What is meant by Minimum and Maximum Period?
    'Minimum Period' is the period below which a Mutual Fund SIP request cannot be placed ie. you need to place a Mutual Fund SIP request for a period equal to or greater than the minimum period.
    The Order placement page displays the Minimum period and the Maximum period at the time of placing the SIP request.
    IIFL may change the Minimum period or the Maximum period from time to time without giving any prior notice.
  11. What are the types of Mutual Fund SIP request I can choose on indiainfoline.com and how do I indicate my choice?
    You may select only Amount based SIP request. You can indicate your choice by selecting the desired option under the field "SIP Amount" at the time of placing the Mutual Fund SIP request.
  12. What is "Amount" based Mutual Fund SIP?
    Amount based Mutual Fund SIP is a SIP type wherein a fixed amount (or approximately the same) is invested in your desired Mutual Fund Scheme at each frequency.
    In case of Amount based SIP, you need to specify the amount to be invested in the Mutual Fund Scheme at your desired frequency. The amount specified by you should be equal to or above the minimum amount defined by IIFL.
  13. How can I invest through Commodity SIP?
    To start investing through Commodity SIP there are 2 options

    1. Through TT Web : You will have to follow 5 easy steps as mentioned below:
    • Login to your TT web trading account on https://ttweb.indiainfoline.com/trade/
    • Enter Client ID>>Password>> Product Equity >> Submit
    • Click on the tab Market >>Mutual Fund SIP
    • Fill in the required details, accept the Terms & Conditions
    • Click on 'Submit'
    2. Through TT exe : You will have to follow 5 easy steps as mentioned below:
    • Login to your TT exe. trading account.
    • Enter Client ID>>Password>> >> Submit
    • Click on the tab SIP>> Orders>>Mutual Fund SIP
    • Fill in the required details, accept the Terms & Conditions
    • Click on 'Submit'
  14. What is "Mutual Fund SIP Registration Book"? What are the details available on the Mutual Fund SIP Request book?
    The "Mutual Fund SIP Registration Book" on the site is a page which displays the details of the SIP requests placed by you under the Mutual Fund SIP product. You can view the Mutual Fund SIP Registration book by visiting Mutual Fund SIP Registration Book link under the Holding page on the Mutual Fund segment. This book will provide you the details like the SIP reference no., stock name, quantity or amount, frequency, total period, start date, next SIP date, end date etc.
  15. What is "SIP Order book" link ? What are the details available on the 'SIP order book' link?
    The "SIP order book" link on the holding page under Mutual Fund segment is a link which displays all your ongoing Mutual Fund SIP requests . This link will provide you with details of the SIP order executed like the date,SIP transaction no.,stock name,SIP type, quantity or amount, status, SIP start date, SIP end date,next SIP date etc.
  16. Can I place Mutual Fund SIP request in any Mutual Fund Scheme?
    Mutual Fund SIP requests can be placed only in select Mutual Fund which are available on BSE StarMF/ MFSS scheme master.
    IIFL may include or exclude any Mutual Fund Schemes from the list at any time without any prior intimation.
  17. Can I place Mutual Fund SIP Request at any time during the day?
    Yes. You may place Mutual Fund SIP Request at any time during the day and even post market hours.
  18. Can I place Mutual Fund SIP Request through CallNTrade?
    Currently this facility is not available.
  19. How many Mutual Fund SIP Requests can I place in a day? Is there a restriction on the number of Mutual Fund Schemes in which Mutual Fund SIP can be placed by a client?
    You can place multiple Mutual Fund SIP Requests in a day for different Mutual Fund Schemes or for the same Mutual Fund
  20. When would IIFL place my Mutual Fund SIP orders ?
    When placing a Mutual Fund SIP request, you are required to select a "start date" from when Mutual Fund SIP order placement will commence. IIFL will place the order from the start date selected by you as per your request. The start date should be atleast T+1 from the date of placing the Mutual Fund SIP request in case of ledger and T+30 in case of SIP through Bank.
    Thereafter, the orders would be placed on the basis of the frequency and the total period chosen by you in your Mutual Fund SIP Request.
    The orders would be placed on these dates provided they are trading days. In case the frequency dates fall on Trading holidays, then the orders would be placed by IIFL on the subsequent trading day.
  21. Is there a possibility that my entire SIP order may not be executed at the exchange?
    Yes. IIFL is merely your agent for placing orders as per the instructions given by you under the facility. IIFL does not have any role to play in the execution of trades after the orders have been placed. Trade execution takes place at the exchange platform as per the order matching rules of the exchange. Thus there is a possibilty that orders may not be executed at all.
  22. At what price will my Mutual Fund SIP orders be placed and where can I see details of the same?
    You can view the details of all successfully placed SIP orders in your account in the normal Mutual Fund SIP order book.
  23. How do I differentiate between SIP orders and lumpsum orders in the order book?
    Mutual Fund SIP orders and lumpsum order books details are visible from 2 different reports.
  24. I have forgotten to allocate enough funds for my Mutual Fund SIP order. Is my order liable to be rejected?
    In case of SIP through ledger ,IIFL will place the order only after checking that sufficient clear funds are available in your Mutual Fund ledger in case of SIP . In case the clear funds in your Mutual Fund ledger are insufficient to place your Mutual Fund SIP order, the entire Mutual Fund SIP order will not fail.
  25. Where can I view the SIP order placement date for my SIP requests?
    You can view your order placement date in the Mutual Fund SIP Registration book under the column 'Holding'.
  26. Can I cancel a SIP request?
    Yes. You can cancel an On-going SIP request at any time before IIFL has initiated order placement on the order placement date .
    Currently You can cancel your SIP request by putting a e-mail on iiflmfipo@indiainfoline.com along with SIP registration details. But soon you can cancel your SIP request by visiting the Mutual Fund SIP registration book under the Mutual Fund holding page of your online trading account.
    Once you cancel a SIP Request, all future orders to be placed against such SIP Request no. would stand cancelled.
  27. Is the any brokerage/ advisory fees on Mutual Fund SIP transactions?
    No, there is no brokerage/advisory fees for Mutual Fund SIP transactions.But Rs. 10 per installment will be charged over and above normal brokerage for executing the SIP Transaction.
  28. Can I sell units which I have bought through Mutual Fund SIP ?
    Yes. Units bought in your demat account through Mutual Fund SIP are at par . You can therefore sell/ otherwise deal in such units at anytime as per your requirement.

Valid Till Date (VTD)Top

  1. What is "VTD"?
    Valid Till Date VTD is a new facility offered through IIFL using which you can place buy and sell Limit orders in scrips of your choice specifying the period for which you want the order instruction to be valid. The period selected by you should be within the maximum validity date defined by IIFL.
  2. How does VTD order feature work?

    When you place a VTD order, you give an order instruction to IIFL stating that if the order is not executed for the entire quantity, IIFL is authorised to place fresh orders for the unexecuted quantity in your account on the subsequent trading days till the entire quantity is executed or till the validity expires, whichever is earlier. The feature allows you to specify the number of days during which you wish to place the orders.

    Your VTD order will remain valid but will be expired at the end of every trade date if the order remains unexecuted and if not cancelled or rejected. At the end of day, after market hours, IIFL will place overnight orders on your behalf at the same Market or Limit price and for the unexecuted quantity for the next trade date provided your validity date is less than or equal to the next trade date.

    i.e. On trade date 14-03-2011, you can place an order with VTD order validity to buy 100 shares of BHEL at a Limit price of 1800 with order validity date 16-03-2011. Hence your VTD order will be valid till 16-03-2011 if not fully executed.

  3. Can all clients of IIFL avail VTD facility?
    Yes. All online existing and new clients of IIFL who are eligible to trade in Equity Cash product can avail VTD facility for order placement.
  4. Is VTD order placement feature available for all products?
    No. The facility of having VTD order validity is available only for placing your orders in Equity Cash product and not in any other product.
  5. Can I place Buy and Sell orders with VTD order validity?
    Yes VTD order validity is available for both your Buy as well as Sell orders in Cash product.
  6. Can I place Cash orders with VTD validity by specifying a disclosed quantity?
    No. You cannot specify disclosed quantity while placing your Cash orders with VTD order validity. You can only specify the quantity to be bought or sold and the Market or Limit price at which the order needs to be placed with VTD order validity.
  7. Can I place Market Cash orders with VTD order validity?
    Yes. Cash orders with VTD order validity are allowed with Market Price.
  8. Can I place Cash orders with VTD order validity during the pre-open session?
    You can place Cash orders with VTD order validity in all scrips during the pre-open session but only orders in scrips that are pre-open enabled will be sent to exchange during the pre-open session. Orders in all other scrips not enabled for pre-open session would be treated as overnight orders and sent to exchange during normal trading session.
  9. Why should I place buy/sell orders with VTD validity?
    VTD facility allows you to place buy/sell orders for the unexecuted quantity of your shares as per your Market or Limit price till your specified order validity date or till the entire quantity is executed, whichever is earlier. With this facility if your order remains unexecuted on a specific trade date you are not required to login again and place the same orders again. IIFL provides you the flexibility of using this facility and providing the validity date, pursuant to which, IIFL will place the orders in your account on your behalf during the VTD order validity date.
  10. Do I need to allocate funds for placing orders with VTD order validity?

    Yes. Your buy orders with VTD order validity are similar to your Cash Buy orders. Prior to placing the orders, you will have to allocate necessary funds in your account.

    You will have to ensure that necessary funds are available in your allocation for IIFL to place VTD orders in your account for the unexecuted quantity of the order.

  11. What is meant by Order Validity Date? Please explain how does it work?

    Order Validity Date means the date chosen by you while placing Cash orders with VTD order validity. This date has to be equal to or less than the maximum validity date defined by IIFL.

    For example, if the maximum days defined by IIFL are up to 45 calendar days. If the trade date is May 23, 2012 then July 6, 2012 would be the maximum VTD order validity. In this case you can choose the VTD order validity date as less than or equal to July 6, 2012.

  12. How can I specify the validity date?
    You can specify the order validity date by selecting from the calendar available placed on the order placement page near the VTD order validity field.
  13. What happens if VTD order validity date falls on a non trading day?

    If your VTD order validity date falls on a non trading day, the order is expired by IIFL on the last trading day which falls prior to such order valid date which is a non trading day. Post the expiry, the status of VTD order is updated as Expired (Closed).

    For example:
    You have placed a VTD request first on 15-03-2012 for buying 100 shares of Reliance at a Limit price of 900 with order validity date of 17-03-2012. In this case:
    Start Date = 15-03-2012 Thursday
    Validity Date = 17-03-2012 Saturday i.e. Trading Holiday

    Thereby, if on 15-03-2012 your Cash order with VTD order validity date of 17-03-2012 remains unexecuted or partly executed then, IIFL will place the same order for the unexecuted quantity as overnight order at end of day of 15-03-2012 for the next trade date i.e. 20-03-2012. If on 20-03-2012 the order still remains unexecuted then IIFL will try placing the order for the next trade date i.e. 21-03-2012 but since the valid date is less than the next trade date this order would be Expired & Closed.

  14. Do I need to log in on every trade date to place the unexecuted Cash order having a future VTD validity date?
    Once you have placed your VTD order, IIFL will place orders for the unexecuted quantity of your VTD order for all the days during the validity period or till the quantity is fully executed or cancelled or rejected due to any reason. You need to login to your account only to see the status of such orders.
  15. Can I place VTD orders in any scrip?
    VTD orders can be placed in all scrips that are enabled for placing cash orders.
  16. In which exchanges can I place VTD orders?
    You can place VTD orders on the Bombay Stock Exchange (BSE) and National Stock Exchange (NSE). Kindly note that VTD is an additional facility in the nature of a new order type, offered by IIFL to its customers and is not a product provided by Exchanges.
  17. Can I place VTD orders at any time during the day?
    Yes. You can place VTD orders at any time during market hours and even post market hours when the website is open for placing overnight orders.
  18. Can I place VTD orders through Call N Trade?
    Yes. You can place your VTD orders through Call N Trade.
  19. How many VTD orders can I place in a day? Is there any restriction on the number of scrips in which VTD orders can be placed?
    No, there are no such restrictions. You can place multiple VTD orders in a day. Also, orders can be placed in different scrips as well as with different valid dates in the same scrip.
  20. What will happen in case there is a corporate action happening in the scrip in which I have placed VTD order and order is still valid?
    If a corporate action is announced in any scrip then such scrip will be disabled by IIFL for VTD overnight order placement on your behalf from Ex Date minus 1 day till Record date. If your VTD order in such scrip is still valid then your orders in such scrips will get rejected during this period and orders will not be placed on subsequent days post rejection. This is to safeguard your interest and avoid placement of orders at unrealistic prices due to the impact of corporate action. You are thereby requested to login into your account to see the status of orders in such scrips and place fresh orders again at appropriate prices in case you wish to continue with VTD orders in such scrips after corporate action has been completed.
  21. When would orders for the unexecuted quantity of VTD orders be placed by IIFL?

    If your VTD order remains unexecuted and is not cancelled, nor rejected due to any reason then daily orders for the unexecuted quantity will be placed as overnight orders by IIFL during the validity period, i.e. until the order validity date is less than or equal to the next trade date.

    The orders would be placed on these dates provided they are trading days.

  22. Where can I view the details of VTD orders?

    You can view the details of VTD orders in your account under the Normal Equity order book.

    To view further details of orders placed by IIFL for the unexecuted quantity during the validity period, you can visit the Order placement log on the Order Book. The Log is displayed on clicking the order reference hyperlink of your respective order. The Remarks Column under the order log displays the "VTD Order" rejection remarks, if any.

  23. How would I know that orders for the unexecuted quantity of VTD orders will no longer be placed by IIFL?

    You can view the status of your VTD orders by visiting the order book of your Equity trading page.

    On clicking the order valid date against the respective order, if the Status column displays Rejected (Closed) or Expired (Closed) then the order would not be further placed by IIFL as the same has been closed either due to rejection or expiry of the validity period.

    If the status remains Expired under the valid date hyperlink then the order is still valid as the valid date is more than the current trade date and such expired orders would be placed by IIFL.

  24. How can I differentiate between VTD order validity and other cash orders?
    VTD orders have a validity date displayed under the Order Ref./Channel/Order Valid Date column in the order book.
  25. Can I modify VTD orders?
    Yes. You can login to your account and visit the Equity order book to modify the quantity or limit price of your VTD orders. Please note that you will be able to modify the order only when the order is in 'Ordered status' (during market hours) or 'Requested status' (after market hours).
  26. Can I cancel VTD orders?

    Yes. You can login to your account and visit the Equity order book to cancel your VTD orders any time when the order is in 'Ordered status' (during market hours) or 'Requested status' (after market hours).

    Once you have cancelled your VTD order, your order would stand cancelled and thereafter no orders would be placed by IIFL for the same.

  27. Is the brokerage rate different for normal Cash transactions and VTD orders?
    No. There is no change in the brokerage rates for your normal Cash transactions and VTD orders. The Brokerage rates and applicable charges are same for your normal Cash transactions and VTD orders.
  28. How will VTD orders be settled?
    The settlement for your VTD orders would be done in the same manner as normal cash transactions.
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Customer Service

  1. How can I open an account in IIFL?
    All you need to do is give a missed call at 08066719101
  2. What is the link to access my account?
    https://ttweb.indiainfoline.com/Trade/Login.aspx
  3. How can I update my contact number/email ID online?
    1. Go to ttweb.indiainfoline.com/TT exe
    2. Login with your User ID and password
    3. Click on 'My Account'
    4. Click on 'Profile' → Enter details → Edit
  4. How can I update my contact number/email ID if I do not have access to TT?
    1. Please download the modification form from https://ttweb.indiainfoline.com/Trade/downloads/Change%20Account%20Details.pdf
    2. Please fill the form and send it to the below address along with a self attested PAN card copy:

      Modification Department
      India Infoline Limited
      IIFL House, Sun InfoTech Park,
      Road No. 16V, Plot No. B-23,
      MIDC, Thane Industrial Area,
      Wagle Estate, Thane - 400604.

      You can also visit any of your nearest branches and submit the form and self attested PAN card copy.
  5. How can I reset password online?
    1. Go to ttweb.indiainfoline.com/TT exe
    2. Go to Login to trade
    3. Go to forgot password link
    4. Enter the credentials

    Example
    Client id - AAAAAAA(User Id )
    Pan Card - AICULXXXXP
    Date of Birth - 11/11/1982(DD/MM/YY)
    Mobile No. - 93XXXXXXXX

    You will receive your password on the registered mobile number.

  6. Where can I find branch details?
    1. Go to ttweb.indiainfoline.com/TT exe
    2. Click on Branch locator
    3. Enter State
    4. Enter City
  7. Where can I find my RM details on TT?
    1. Go to My "Account"
    2. Click on "Profile"
  8. How can I transfer funds to my IIFL Trading Account?
    1. Login in to "TTweb.indiainfoline.com"
    2. Click on Trade
    3. Click on my Accounts
    4. Click on Fund transfer
    5. On Right hand side there is option of Fund Pay In
    6. Select Product
    7. Select Bank
    8. Select Account number
    9. Enter amount
    10. Click on Pay in
             

    After clicking on Pay in, you will be connected to Bank Gateway. Please follow the directions given by the Bank gateway

  9. What is process for funds payout in the account?
    1. Login in to "TTweb.indiainfoline.com"
    2. Click on Trade
    3. Click on my Accounts
    4. Click on Fund Payout
  10. How can I update my IFSC code in the account?
    You need to send a scanned image of cheque (IFSC code updated) at cs@indiainfoline.com. Please ensure that the name on the cheque is as it appears in your account with us.
  11. What details are to be mentioned on the cheque?
    1. Cheque needs to be in favour of "Indiainfoline ltd"
    2. Mention Login ID behind cheque and submit at nearest branch
  12. What is the password to open a contract note?
    Enter your login id in capital letters: Eg MOHAXXXX
  13. What is the password to open my demat statement?
    Your password is the last eight digits of your demat account number
    Example:
    CDSL - 12044700XXXXXXXX
    NDSL - IN302269XXXXXXXX
  14. Can I trade through the mobile application?
    Yes, you certainly can. Please enter ttm.indiainfoline.com
  15. How can I reset PLM / unbinding system?
    Please reset your password. That will help you in unbinding your system.
  16. Where can I check my KYC?
    1. Go to ttweb.indiainfoline.com/TT exe
    2. Login with your User ID and password
    3. Click on 'My Account'
    4. Click on 'Profile' → "Copy of KYC"
  17. How to download TT?
    1. Go to ttweb.indiainfoline.com/TT exe
    2. Go to downloads
    3. Download TT Terminal
  18. Where can I get details for SMS service pack?
    You can contact us on 022 49770404 / 05 / 06 / 07 / 08 for details on SMS service pack
  19. What is the contact number of Retail Broking Customer Service?
    You can reach Customer Service on 022- 40071000 or send an email to cs@indiainfoline.com
  20. What are NCD / Mortgages, Home loan, Health care equipments and Commercial vehicles’ numbers?
    NCD: 1800 3000 1155
    Mortgages: 022 4060 9110
  21.      
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