HDFC NRI Fixed Deposits - NRE, NRO, NRI, FCNR Rates
HDFC Bank offers best Fixed Deposit (FD) rates in the industry on all Non-Resident Indian (NRI) FDs in India. The different options available are Non-Resident External (NRO), Non-Resident Ordinary (NRO) and Foreign Currency Non-Repatriable (FCNR) deposit accounts.
Before applying for a HDFC FD, you can calculate how much you will earn by using the FD Calculator.
Non to Indian Residents (NRIs) can benefit from the Term Deposit schemes offered by HDFC Bank. The NRI Fixed Deposit schemes are:
- Non to Resident External (NRE) Fixed Deposit scheme
- Non to Resident Ordinary (NRO) Deposit scheme
- Foreign Currency Non to Resident (Bank) Deposit scheme (FCNR(B))
Highest HDFC Bank NRI FD Rates
- Maximum NRE FD rate: 7.40% p.a.
- Highest NRO Fixed Deposit rate: 7.40% p.a. .
- Highest FCNR (B) Term Deposit rate:
- Euro (EURO): 3.20% p.a. .
- Canadian Dollar (CAD): 4.50% p.a. .
- US Dollar (USD): 5.50% p.a.
- Australian Dollar (AUD): 4.10% p.a.
- Japanese Dollar (JPY): 0.01% p.a. .
- Pound Sterling (GBP): 5.05% p.a.
HDFC Bank NRE Term Deposit Rates Less than Rs.3 crore
Tenure | Interest Rates for General Public (p.a.) | Interest Rates for Senior Citizen (p.a.) |
7 - 14 days | 3.00% | 3.50% |
15 - 29 days | 3.00% | 3.50% |
30 - 45 days | 3.50% | 4.00% |
46 - 60 days | 4.50% | 5.00% |
61 - 89 days | 4.50% | 5.00% |
90 days < = 6 months | 4.50% | 5.00% |
6 months 1 days <= 9 mnths | 5.75% | 6.25% |
9 months 1 day to < 1 year | 6.00% | 6.50% |
1 year to < 15 months | 6.60% | 7.10% |
15 months to < 18 months | 7.10% | 7.60% |
18 months to < 21 months | 7.25% | 7.75% |
21 months - 2 years | 7.00% | 7.50% |
2 Years 1 day to < 2 Year 11 Months | 7.00% | 7.50% |
2 Years 11 Months - 35 Months | 7.35% | 7.85% |
2 Years 11 Months 1 day <= 3 Year | 7.00% | 7.50% |
3 Years 1 day to < 4 Years 7 Months | 7.00% | 7.50% |
4 Year 7 Months - 55 months | 7.40% | 7.90% |
4 Year 7 Months 1 day <=5 Years | 7.00% | 7.50% |
5 Years 1 day to 10 Years | 7.00% | 7.75%* |
*New rates are effective from 24 July 2024 and can change from time to time.
HDFC Bank NRO Fixed Deposit Rates Less than Rs.3 crore
Tenure | Interest Rates for General Public (p.a.) | Interest Rates for Senior Citizen (p.a.) |
7 - 14 days | 3.00% | 3.50% |
15 - 29 days | 3.00% | 3.50% |
30 - 45 days | 3.50% | 4.00% |
46 - 60 days | 4.50% | 5.00% |
61 - 89 days | 4.50% | 5.00% |
90 days < = 6 months | 4.50% | 5.00% |
6 months 1 days <= 9 months | 5.75% | 6.25% |
9 months 1 day to < 1 year | 6.00% | 6.50% |
1 year to < 15 months | 6.60% | 7.10% |
15 months to < 18 months | 7.10% | 7.60% |
18 months to < 21 months | 7.25% | 7.75% |
21 months - 2 years | 7.00% | 7.50% |
2 Years 1 day to < 2 Year 11 Months | 7.00% | 7.50% |
2 Years 11 Months - 35 Months | 7.35% | 7.85% |
2 Years 11 Months 1 day <= 3 Year | 7.00% | 7.50% |
3 Years 1 day to < 4 Years 7 Months | 7.00% | 7.50% |
4 Year 7 Months - 55 months | 7.40% | 7.90% |
4 Year 7 Months 1 day <=5 Years | 7.00% | 7.50% |
5 Years 1 day to 10 Years | 7.00% | 7.75%* |
Note : New rates are effective from 24 July 2024 and can change from time to time.
HDFC Bank NRO Term Deposit Rates Rs.3 crore to Rs.5 crore
Tenure | Interest Rates for General Public (p.a.) | Interest Rates for Senior Citizen (p.a.) |
7 - 14 days | 4.75% | 5.25% |
15 - 29 days | 4.75% | 5.25% |
30 - 45 days | 5.50% | 6.00% |
46 - 60 days | 5.75% | 6.25% |
61 - 89 days | 6.00% | 6.50% |
90 days <= 6 months | 6.50% | 7.00% |
6 months 1 day <=9mnths | 6.65% | 7.15% |
9 months 1 day to < 1 Year | 6.75% | 7.25% |
1 Year to < 15 months | 7.40% | 7.90% |
15 months to < 18 months | 7.05% | 7.55% |
18 months to < 21 months | 7.25% | 7.75% |
21 months to 2 years | 7.05% | 7.55% |
2 year 1 day to 3 years | 7.00% | 7.50% |
3 year 1 day to 5 years | 7.00% | 7.50% |
5 year 1 day to 10 years | 7.00% | 7.75%* |
Note : Rates are effective from 24 July 2024 and can change from time to time.
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FAQs on HDFC NRI Fixed Deposit
- What is the difference between NRE and NRO accounts?
In NRE accounts, you make your deposit in the foreign currency of your choice. However, in case of an NRO account, you have to make the deposit in India currency.
- Can I avail loan against FD facility?
Yes, you can avail an overdraft of up to 90% of your deposit amount as an NRI who has an FD account with the bank.
- Can I open an NRI FD account jointly?
Yes, you can open a joint NRI FD account with the bank. However, you must note that, the other person with whom you wish to open a joint FD account must be an NRI as well.
- I am a senior citizen who is an NRI. Am I eligible to receive additional interest on my deposits?
No, you cannot earn additional interest on your deposits if you are a senior citizen NRI. This facility is reserved only for senior citizens residing in India.
- I have opened an HDFC NRI FD account. Will I have to pay any taxes?
No, the principal amount and interest earned will be exempted from being taxed by the Indian Government. Hence, you are not required to pay any tax.
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