Standard Chartered Bank NRI Fixed Deposits
Standard Chartered Bank NRI Fixed Deposits offer NRE and NRO term deposits with rates up to 7.10% p.a. for balances up to Rs.7.5 crore. The bank also offers FCNR (B) deposits in six foreign currencies, with a minimum NRE/NRO deposit of just Rs.10,000.
Standard Chartered Bank NRI Fixed Deposit Interest Rates
The following are the interest rates for the various FD schemes for NRIs offered by Standard Chartered Bank:
Standard Chartered Bank NRE FD Deposit Interest Rates Up to Rs.7.5 Crore
The NRE FD interest rates are as given below:
A Standard Chartered NRE Fixed Deposit can be opened with a minimum investment of Rs.10,000, with tenures ranging from 1 year to 5 years.
Tenure | INR < 2 Cr | INR 2cr -<3cr | INR 3cr – < 4 cr | INR 4 cr – < 5 cr | INR 5cr – < 6 cr | INR 6 cr – < 7.50 cr |
1yr – 375days | 6.60% | 6.60% | 7.10% | 7.10% | 4.00% | 4.45% |
376 -390 days | 6.50% | 6.50% | 4.45% | 4.45% | 3.00% | 4.45% |
391 days < 18 Months | 6.50% | 6.50% | 4.45% | 4.45% | 3.00% | 4.45% |
18M < 21 M | 6.50% | 6.50% | 4.45% | 4.45% | 3.00% | 4.45% |
21M < 2 Yrs | 6.50% | 6.50% | 4.45% | 4.45% | 3.00% | 4.45% |
2 Yrs < 3 Yrs | 6.50% | 6.50% | 4.45% | 4.45% | 3.00% | 4.45% |
3 Yrs < 4 Yrs | 6.50% | 6.50% | 4.45% | 4.45% | 3.00% | 4.45% |
4 Yrs < 5 Yrs | 6.50% | 6.50% | 4.45% | 4.45% | 3.00% | 4.45% |
5 Yrs | 6.25% | 6.25% | 4.45% | 4.45% | 3.00% | 4.45% |
*The NRE fixed deposit rates are changeable at the bank's discretion. These interest rates are valid from updated on 6 August 2026.
Note: The interest rates are effective from 6 August 2026.
Standard Chartered Bank NRO FD Deposit Interest Rates Up to Rs.7.5 Crore
The NRO fixed deposit interest rates are as given below:
A Standard Chartered NRO Fixed Deposit can be opened with a minimum investment of Rs.10,000, for tenures ranging from 7 days to 5 years.
Tenure | INR < 2 Cr | INR 2 Cr - < 3 Cr | INR 3 Cr – < 4 Cr | INR 4 Cr – < 5 Cr | INR 5 Cr – < 6 Cr | INR 6 Cr – < 7.50 Cr |
7-9 days | 2.75% | 2.75% | 3.00% | 3.00% | 3.00% | 5.15% |
10-14 days | 2.75% | 2.75% | 3.00% | 3.00% | 3.00% | 3.00% |
15-17 days | 2.75% | 2.75% | 3.00% | 3.00% | 3.00% | 3.00% |
18-20 days | 2.75% | 2.75% | 3.00% | 3.00% | 3.00% | 3.00% |
21-23 days | 2.75% | 2.75% | 3.00% | 3.00% | 3.00% | 3.00% |
24-26 days | 2.75% | 2.75% | 3.00% | 3.00% | 3.00% | 3.00% |
27-29 days | 2.75% | 2.75% | 3.00% | 3.00% | 3.00% | 3.00% |
30-32 days | 2.75% | 2.75% | 3.50% | 3.50% | 3.00% | 3.50% |
33-35 days | 2.75% | 2.75% | 3.50% | 3.50% | 3.00% | 3.50% |
36-38 days | 2.75% | 2.75% | 3.50% | 3.50% | 3.00% | 3.50% |
39-41 days | 2.75% | 2.75% | 3.50% | 3.50% | 3.00% | 3.50% |
42-44 days | 2.75% | 2.75% | 3.50% | 3.50% | 3.00% | 3.50% |
45-47 days | 3.25% | 3.25% | 3.50% | 3.50% | 3.00% | 3.50% |
48-50 days | 3.25% | 3.25% | 3.50% | 3.50% | 3.00% | 3.50% |
51-53 days | 3.25% | 3.25% | 3.50% | 3.50% | 3.00% | 3.50% |
54-56 days | 3.25% | 3.25% | 3.50% | 3.50% | 3.00% | 3.50% |
57-59 days | 3.25% | 3.25% | 3.50% | 3.50% | 3.00% | 3.50% |
60-74 days | 3.50% | 3.50% | 4.00% | 4.00% | 3.00% | 4.00% |
75-85 days | 3.50% | 3.50% | 4.00% | 4.00% | 3.00% | 4.00% |
86-104 days | 4.75% | 4.75% | 4.70% | 4.70% | 3.00% | 4.70% |
105-120 days | 4.75% | 4.75% | 4.70% | 4.70% | 3.00% | 4.70% |
121-149 days | 4.75% | 4.75% | 4.70% | 4.70% | 3.00% | 4.70% |
150-164 days | 4.75% | 4.75% | 4.70% | 4.70% | 3.00% | 4.70% |
165-180 days | 4.75% | 4.75% | 4.70% | 4.70% | 3.00% | 4.70% |
181-210 days | 5.75% | 5.75% | 4.45% | 4.45% | 3.00% | 4.45% |
211-226 days | 5.75% | 5.75% | 4.45% | 4.45% | 3.00% | 4.45% |
227-269 days | 5.75% | 5.75% | 4.45% | 4.45% | 3.00% | 4.45% |
270-345 days | 5.75% | 5.75% | 4.45% | 4.45% | 3.00% | 4.45% |
346-364 days | 5.75% | 5.75% | 4.45% | 4.45% | 3.00% | 4.45% |
1 Yr – 375 days | 6.60% | 6.60% | 7.10% | 7.10% | 4.00% | 4.45% |
376-390 days | 6.50% | 6.50% | 4.45% | 4.45% | 3.00% | 4.45% |
391 days < 18 Months | 6.50% | 6.50% | 4.45% | 4.45% | 3.00% | 4.45% |
18M < 21M | 6.50% | 6.50% | 4.45% | 4.45% | 3.00% | 4.45% |
21M < 2 Yrs | 6.50% | 6.50% | 4.45% | 4.45% | 3.00% | 4.45% |
2 Yrs < 3 Yrs | 6.50% | 6.50% | 4.45% | 4.45% | 3.00% | 4.45% |
3 Yrs < 4 Yrs | 6.50% | 6.50% | 4.45% | 4.45% | 3.00% | 4.45% |
4 Yrs < 5 Yrs | 6.50% | 6.50% | 4.45% | 4.45% | 3.00% | 4.45% |
5 Yrs | 6.25% | 6.25% | 4.45% | 4.45% | 3.00% | 4.45% |
*The NRE fixed deposit rates are changeable at the bank's discretion. These interest rates are effective from 6 August 2026.
Note: The interest rates are effective from 6 August 2026.
Standard Chartered Bank FCNR (B) Deposit Interest Rates
The FCNR (B) deposit interest rates are as given below:
Premature withdrawal of a Standard Chartered FCNR (B) deposit attracts a penalty of 1% on the interest rate payable for the period the deposit has run, and no interest is paid if it is withdrawn before completing the minimum tenor of one year.
Maturity Period | USD < 100,000 | GBP < 100,000 | EUR < 100,000 | CAD < 100,000 | AUD < 100,000 | JPY < 100,000 |
1 year to 375 days | 3.00% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% |
375 days | 3.00% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% |
376 days to < 1.5 years | 3.00% | 0.01% | 0.01% | 0.01% | 0.01% | NA |
1.5 years to < 2 years | 3.00% | 0.01% | 0.01% | 0.01% | 0.01% | NA |
2 years | 3.00% | 0.01% | 0.01% | NA | NA | NA |
2 years to < 740 days | 3.00% | NA | NA | NA | NA | NA |
740 days | 3.00% | NA | NA | NA | NA | NA |
741 days to 3 years | 3.00% | NA | NA | NA | NA | NA |
3 years to 39 months | NA | NA | NA | NA | NA | NA |
*The interest rates are subject to change as per the discretion of the bank. The rates mentioned are applicable on 10 July 2026.
Note: The interest rates are effective from 10 July 2026.
Standard Chartered Bank RFC Deposit Interest Rates
The RFC deposit interest rates are as given below:
Currency | Interest Rate |
AUD | 0.01% |
US | 0.10% |
EUR | 0.01% |
GBP | 0.01% |
JPY | 0.01% |
Note: The interest rates are effective from 8 March 2022.
Summary
Standard Chartered Bank offers NRI Fixed Deposits across NRE, NRO and FCNR (B) schemes, giving Non-Resident Indians options in both Indian rupees and foreign currencies. NRE deposits earn tax-free, fully repatriable returns, while NRO deposits suit income earned in India, and FCNR (B) deposits protect against currency risk. Compare the tenure-wise rates above to choose the Standard Chartered NRI Fixed Deposit scheme that best matches your investment horizon.
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FAQs on Standard Chartered Bank NRI Fixed Deposits
1.What is a Standard Chartered NRI Fixed Deposit?
A Standard Chartered NRI Fixed Deposit is a term deposit that lets Non-Resident Indians invest through NRE, NRO or FCNR (B) schemes. Each scheme suits a different need, from repatriable rupee savings to foreign-currency holdings. The account earns a fixed rate of return for the tenure chosen at booking.
2.What is the difference between Standard Chartered NRE and NRO Fixed Deposits?
A Standard Chartered NRE Fixed Deposit holds foreign earnings in Indian rupees and pays interest that is tax-free and fully repatriable. A Standard Chartered NRO Fixed Deposit is meant for income earned in India, such as rent or dividends, and follows different tax and repatriation rules.
3.What is a Standard Chartered FCNR (B) deposit?
A Standard Chartered FCNR (B) deposit lets an NRI hold a fixed deposit in a foreign currency such as USD, GBP, EUR, CAD, AUD or JPY. Keeping the deposit in foreign currency protects it from exchange-rate movements until the funds are converted or repatriated.
4.Does Standard Chartered offer auto-renewal on its NRI Fixed Deposits?
Yes, Standard Chartered offers an auto-renewal facility on its NRI Fixed Deposits, including NRE and NRO term deposits. The deposit renews automatically for the same tenure at maturity unless the depositor gives fresh instructions.
5.Can I avail a loan against a Standard Chartered NRI Fixed Deposit?
Yes, Standard Chartered allows NRIs to avail a loan or overdraft against the balance held in an NRI Fixed Deposit account. This gives the depositor access to funds without having to break the fixed deposit early.
6.Are the interest and principal on a Standard Chartered NRE Fixed Deposit repatriable?
Yes, both the interest earned and the principal invested in a Standard Chartered NRE Fixed Deposit are freely repatriable outside India. This makes the NRE scheme suited to NRIs who may want to move their funds abroad in future.
7.Is interest on a Standard Chartered NRI Fixed Deposit taxable?
Interest earned on a Standard Chartered NRE Fixed Deposit is exempt from tax in India, while interest on an NRO Fixed Deposit is subject to tax deduction at source. NRIs should also check any applicable tax treaty benefit for their country of residence.
8.Who is eligible to open a Standard Chartered NRI Fixed Deposit?
Any Non-Resident Indian or Person of Indian Origin who holds, or opens, a corresponding NRE, NRO or FCNR account with Standard Chartered can open an NRI Fixed Deposit. Standard KYC documents and proof of NRI status are typically required.
9.How can I open a Standard Chartered NRI Fixed Deposit?
A Standard Chartered NRI Fixed Deposit can be opened through the bank's online banking platform or at a branch that services NRI accounts. The deposit is usually funded from an existing NRE, NRO or FCNR account, or through a fresh inward remittance from abroad.
10.Can I withdraw a Standard Chartered NRI Fixed Deposit before maturity?
Yes, Standard Chartered allows premature withdrawal of an NRI Fixed Deposit, though this is normally subject to a penalty on the interest rate applicable for the period held. Depositors should check the current premature withdrawal terms before breaking a deposit early.
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