HDFC NRI Fixed Deposits - NRE, NRO, NRI, FCNR Interest Rates 2026
HDFC Bank NRI Fixed Deposits NRE, NRO and FCNR accounts offer interest rates from 2.75% to 6.50% p.a. on rupee deposits, with separate rates across six foreign currencies under FCNR. NRE deposits are tax-free and repatriable; NRO deposits cover Indian income and are taxable. Compare tenures below to choose the right option.
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: 6.50% p.a.
- Highest NRO Fixed Deposit rate: 6.50% p.a.
- Highest FCNR (B) Term Deposit rate:
- Euro (EURO): 4.55% p.a.
- Canadian Dollar (CAD): 4.50% p.a.
- US Dollar (USD): 6.00% p.a.
- Australian Dollar (AUD): 6.25% p.a.
- Japanese Yen (JPY): 0.90% p.a.
- Pound Sterling (GBP): 5.90% p.a.
- Singapore Dollar (SGD): 3.40% p.a.
HDFC Bank NRE Term Deposit Rates Less than Rs.3 crore
Here are the latest HDFC Bank NRE/NRO Term Deposit interest rates for deposits below Rs.3 crore:
Tenure | Interest Rate for General Public (p.a.) | Interest Rate for Senior Citizen (p.a.) |
7 - 14 days | 2.75% | 3.25% |
15 - 29 days | 2.75% | 3.25% |
30 - 45 days | 3.25% | 3.75% |
46 - 60 days | 4.25% | 4.75% |
61 - 89 days | 4.25% | 4.75% |
90 days <= 6 months | 4.25% | 4.75% |
6 months 1 day <= 9 months | 5.50% | 6.00% |
9 months 1 day to < 1 year | 5.75% | 6.25% |
1 year to < 15 months | 6.25% | 6.75% |
15 months to < 18 months | 6.35% | 6.85% |
18 months to < 21 months | 6.45% | 6.95% |
21 months to 2 years | 6.45% | 6.95% |
2 years 1 day to < 2 years 11 months | 6.45% | 6.95% |
2 years 11 months (35 months) | 6.45% | 6.95% |
2 years 11 months 1 day to <= 3 years | 6.45% | 6.95% |
3 years 1 day to < 4 years 7 months | 6.50% | 7.00% |
4 years 7 months (55 months) | 6.40% | 6.90% |
4 years 7 months 1 day to <= 5 years | 6.40% | 6.90% |
5 years 1 day to 10 years | 6.15% | 6.65% |
Note: The interest rates are effective from 6 March 2026.
HDFC Bank NRO Term Deposit Rates Rs.3 crore to Rs.5 crore
Given below are the interest rates for HDFC Bank NRE/NRO Term Deposits (Rs.3 crore to Rs.5 crore), for various tenures and for both general public and senior citizens:
Tenure | Interest Rate for General Public (p.a.) | Interest Rate for Senior Citizen (p.a.) |
7 - 14 days | 3.50% | 4.00% |
15 - 29 days | 3.50% | 4.00% |
30 - 45 days | 4.75% | 5.25% |
46 - 60 days | 5.00% | 5.50% |
61 - 89 days | 5.25% | 5.75% |
90 days <= 6 months | 5.50% | 6.00% |
6 months 1 day <= 9 months | 5.75% | 6.25% |
9 months 1 day to < 1 year | 6.00% | 6.50% |
1 year to < 15 months | 6.25% | 6.75% |
15 months to < 18 months | 6.25% | 6.75% |
18 months to < 21 months | 6.40% | 6.90% |
21 months to 2 years | 6.40% | 6.90% |
2 years 1 day to 3 years | 6.25% | 6.75% |
3 years 1 day to 5 years | 6.35% | 6.85% |
5 years 1 day to 10 years | 6.15% | 6.65% |
Note: The interest rates are effective from 7 March 2026.
Summary
HDFC Bank offers NRI Fixed Deposits through NRE, NRO and FCNR(B) accounts, giving Non-Resident Indians a choice between a tax-free repatriable rupee deposit, a taxable rupee deposit for Indian income, and a foreign-currency deposit that avoids exchange-rate risk. Interest rates vary by tenure, deposit amount and currency, so it is worth comparing the tables above before investing. NRIs can apply online through NetBanking or via HDFC Bank's NRI banking desk.
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FAQs on HDFC NRI Fixed Deposit
1.What is an HDFC NRI Fixed Deposit?
An HDFC NRI Fixed Deposit is a term deposit that lets Non-Resident Indians invest rupee or foreign-currency income in India at a fixed interest rate for a chosen tenure. HDFC Bank offers it as an NRE, NRO or FCNR(B) account depending on the source of funds and repatriation needs.
2.What is the difference between an HDFC NRE and an HDFC NRO Fixed Deposit?
An HDFC NRE Fixed Deposit holds foreign earnings converted to rupees, and both the principal and interest are freely repatriable and tax-free in India. An HDFC NRO Fixed Deposit holds income earned within India, such as rent or dividends, and its interest is taxable, with repatriation subject to limits.
3.What is an HDFC FCNR Fixed Deposit?
An HDFC FCNR(B) Fixed Deposit lets NRIs hold a deposit in a foreign currency instead of Indian rupees, which protects the investment from exchange-rate fluctuations. HDFC Bank offers it across several major currencies for tenures ranging from one to five years.
4.Who is eligible to open an HDFC NRI Fixed Deposit?
Any Non-Resident Indian or Person of Indian Origin can open an HDFC NRI Fixed Deposit, provided they hold or open a qualifying NRE, NRO or FCNR account with the bank. The applicable documentation follows HDFC Bank's standard NRI KYC process.
5.Can I open an HDFC NRI Fixed Deposit jointly?
Yes, an HDFC NRI Fixed Deposit can be opened jointly, but the joint holder must also qualify as an NRI. This requirement applies across HDFC's NRE, NRO and FCNR deposit schemes.
6.Can I avail a loan against my HDFC NRI Fixed Deposit?
Yes, HDFC Bank allows NRIs to avail an overdraft or loan against their Fixed Deposit balance. The facility and the portion of the deposit it covers depend on the deposit type and the bank's prevailing policy.
7.Do senior citizen NRIs get additional interest on HDFC Fixed Deposits?
No, the additional interest rate HDFC Bank offers senior citizens is reserved for those residing in India and does not apply to NRIs. This applies across HDFC's NRE and NRO Fixed Deposit schemes.
8.Is interest on an HDFC NRI Fixed Deposit taxable?
Interest earned on an HDFC NRE Fixed Deposit is exempt from tax in India, while interest on an HDFC NRO Fixed Deposit is taxable and subject to TDS. Tax treatment in the depositor's country of residence may differ and should be checked separately.
9.How can I check the latest HDFC NRI FD interest rates?
The latest HDFC NRI FD interest rates for NRE, NRO and FCNR deposits are listed in the rate tables above, and they vary by tenure and deposit amount. HDFC Bank revises these rates periodically, so it is worth checking the current table before booking a deposit.
10.How do I apply for an HDFC NRI Fixed Deposit?
Existing HDFC customers can apply for an NRI Fixed Deposit online through NetBanking, while new customers can contact HDFC Bank's NRI banking desk to open a qualifying account first. Both routes require standard NRI KYC documents and proof of NRI status.
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