• HDFC NRI Fixed Deposits: NRE / NRO / NRI / FCNR FD 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: 5.50% p.a.
    • Highest NRO Fixed Deposit rate: 5.50% p.a. .
    • Highest FCNR (B) Term Deposit rate:
      • Euro (EURO): 0.01% p.a. .
      • Canadian Dollar (CAD): 0.50% p.a. .
      • US Dollar (USD): 0.01% p.a.
      • Australian Dollar (AUD): 0.29% p.a.
      • Japanese Dollar (JPY): 0.01% p.a. .
      • Pound Sterling (GBP): 0.01% p.a.

    HDFC Bank NRE Term Deposit Rates: Less than Rs.2 crore

    Tenure bracket Regular NRE FD rates (per annum) Senior Citizens FD rates (per annum)
    1 year 1 day to 2 years 5.10% 5.60%
    2 years 1 day to 3 years 5.20% 5.70%
    24 months 16 days 7.40% N/A
    3 years 1 day to 5 years

    5.45% 5.95%
    5 years 1 day to 10 years 5.60% 6.35%

    *The HDFC Bank NRE FD rates tend to change at the discretion of the bank. The interest rates given here are valid as of 10 May 2022.

    HDFC Bank NRO Fixed Deposit Rates: Less than Rs.2 crore

    Tenure bracket Regular NRO FD rates p.a.(per annum) Senior Citizens FD rates (per annum)
    7 days to 14 days 2.50% 3.00%
    15 days to 29 days 2.50% 3.00%
    30 days to 45 days 2.75% 3.35%
    46 days to 90 days 2.75% 3.35%
    91 days to 6 months 3.00% 3.50%
    6 months 1 day to 9 months 3.35% 3.85%
    9 months 1 day to 12 months 3.60% 4.10%
    12 months 3.70% 4.20%
    12 months to 24 months 4.30% 4.80%
    24 months 1 day to 24 months 16 days 4.60% 5.10%

    *The HDFC Bank NRO FD rates tend to change at the discretion of the bank. The interest rates given here are valid as of 10 May 2022.

    HDFC Bank FCNR (B) Fixed Deposit Rates

    Tenure
    FCNR (B) FD rates (per annum)
    EURO USD JPY CAD GBP AUD
    12 months to 24 months 0.01% 0.01% 0.01% 0.01% 0.01% 2.94%
    24 months to 36 months 0.01% 3.19% 0.01% 0.01% 0.01% 2.67%
    36 months to 48 months 0.01% 2.95% 0.01% 0.01% 0.01% 2.52%
    48 months to 60 months 0.01% 0.01% 0.01% 0.26% 0.01% 0.01%
    60 months 0.01% 0.01% 0.01% 0.50% 0.01% 0.29%

    *The HDFC Bank NRO FD rates tend to change at the discretion of the bank. The interest rates given here are valid as of 10 May 2022.

    HDFC Bank NRO Term Deposit Rates: Rs.2 crore to Rs.5 crore

    Tenure bracket Regular NRO FD rates p.a.(per annum) Senior Citizens FD rates (per annum)

    7 days to 14 days

    2.50%

    3.00%

    15 days to 29 days

    2.50%

    3.00%

    30 days to 45 days

    2.75%

    3.25%

    46 days to 60 days

    2.75%

    3.25%

    61 days to 90 days

    3.00%

    3.50%

    91 days to 6 months 1 day

    3.00%

    3.50%

    6 months 1 day to 9 months 1 day

    3.60%

    4.10%

    9 months 1 day to less than 12 months

    3.70%

    4.20%

    12 months

    4.05%

    4.55%

    12 months 1 day to 24 months

    4.20%

    4.70%

    24 months 1 day to 60 months 1 day

    4.50%

    5.00%

    60 months 1 day to 120 months

    4.60%

    5.10%

    96 months 1 day to 120 months

    4.60%

    5.35%

    *The HDFC Bank NRO FD rates tend to change at the discretion of the bank. The interest rates given here are valid as of 10 May 2022.

    HDFC Bank NRO FD Rates: Rs.5 crore to Rs.5.25 crore

    Tenure bracket Regular NRO FD rates p.a.(per annum) Senior Citizens FD rates (per annum)
    7 days to 29 days 2.50% N/A
    30 days to 60 days 2.75% N/A
    46 days to 61 days 6.50% N/A
    61 days to less than 6 months 91 days 3.00% N/A
    91 days to 6 months 1 day 6.75% N/A
    6 months 1 day to 9 months 1 day 3.50% N/A
    9 months 1 day to 12 months 3.65% N/A
    12 months 7.50% N/A
    12 months 1 day to 24 months 1 day 3.75% N/A
    24 months 1 day to 120 months 1 day 4.25% N/A
    60 months 1 day to 120 months 7.00% N/A

    *The HDFC Bank NRO FD rates tend to change at the discretion of the bank. The interest rates given here are valid as of 10 May 2022.

    HDFC Bank NRE Fixed Deposit rates: Rs.2 crore to Rs.5 crore

    Tenure bracket Regular NRE FD rates (per annum) Senior Citizens FD rates (per annum)
    12 months to 24 months 3.75% 4.25%
    24 months 1 day to 60 months 1 day 4.25% 4.75%
    60 months 1 day to 120 months 4.25% 5.00%
    96 months 1 day to 120 months 7.00% N/A

    *The HDFC Bank NRE FD rates tend to change at the discretion of the bank. The interest rates given here are valid as of 10 May 2022.

    HDFC Bank NRE FD interest rates: Rs.5 crore to Rs.5.25 crore

    Tenure bracket Regular NRE FD rates (per annum) Senior Citizens FD rates (per annum)
    12 months 7.50% N/A
    12 months 1 day to 24 months 1 day 3.75% N/A
    24 months 1 day to 120 months 1 day 4.25% N/A
    60 months 1 day to 120 months 7.00% N/A

    *The HDFC Bank NRE FD rates tend to change at the discretion of the bank. The interest rates given here are valid as of 10 May 2022.

    FAQs on HDFC NRI Fixed Deposit

    1. 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.

    2. 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.

    3. 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.

    4. 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.

    5. 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.

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