Yes Bank NRO/NRE/FCNR FD Rates
Yes Bank NRI FD rates go up to 7.25% p.a. on NRE and NRO fixed deposits, while FCNR (B) deposits are offered in eight foreign currencies. NRE FDs run for 1 to 10 years, NRO FDs for 7 days to 10 years and FCNR (B) deposits for 1 to 5 years, with deposits starting at Rs.10,000.
Yes Bank NRO FD Rates Less than Rs.3 crore
Yes Bank's NRO fixed deposit rates for amounts of less than Rs.3 crore are as given below:
Tenure | Rate of Interest for General Public (% p.a.) |
7 days to 14 days | 3.25% |
15 days to 45 days | 3.50% |
46 days to 90 days | 4.50% |
91 days to 120 days | 4.75% |
121 days to 180 days | 4.75% |
181 days to 271 days | 6.00% |
272 days to 335 days | 6.25% |
336 days to < 12 months | 6.50% |
1 year | 6.65% |
1 year 1 day to < 18 months | 6.75% |
18 months | 6.75% |
18 months 1 day to < 24 months | 7.25% |
24 months to < 35 months | 7.00% |
35 months | 6.90% |
35 months 1 day to < 36 months | 7.00% |
36 months to < 60 months | 7.00% |
60 months | 6.75% |
60 months 1 day to <= 120 months | 6.75% |
Note: YES Bank can change the interest rates at any given time without prior notice. The above-mentioned interest rates are effective from 2 June 2026.
The additional interest rate for senior citizens does not apply to NRO and NRE fixed deposits.
Yes Bank NRE FD Rates Less than Rs.3 crore
Yes Bank's NRE fixed deposit rates for amounts of less than Rs.3 crore are as given below:
Tenure | Rate of Interest (p.a.) |
1 Year | 6.65% |
1 Year 1 Day to < 18 Months | 6.75% |
18 Months | 6.75% |
18 Months 1 Day to < 24 Months | 7.25% |
24 Months to < 35 Months | 7.00% |
35 Months | 6.90% |
35 months 1 day to < 60 months | 7.00% |
60 months | 6.75% |
60 months 1 day to <= 120 months | 6.75% |
Note: YES Bank can change the interest rates at any given time without prior notice. The above-mentioned interest rates are effective from 2 June 2026.
NRE and NRO fixed deposits of less than Rs.3 crore can be booked through YES Bank net banking, while deposits of Rs.3 crore or more are booked at a branch or through a Financial Advisor.
Yes Bank FCNR (B) Deposit Rates
Yes Bank's FCNR (B) fixed deposit rates are as given below:
Tenure (p.a.) | USD (< 1 Mn / >= 1 Mn) | GBP | EURO | JPY | CAD | AUD | HKD | SGD |
1 year to less than 2 years | 4.50% / 4.60% | 4.25% | 2.75% | 0.40% | 2.75% | 4.40% | 0.50% | 1.90% |
2 years to less than 3 years | 4.00% / 4.00% | 4.25% | 2.25% | 0.40% | 2.50% | 4.20% | 0.50% | 1.45% |
3 years to less than 4 years | 4.00% / 4.00% | 3.65% | 2.00% | 0.40% | 2.25% | 3.75% | 0.50% | 0.50% |
4 years to less than 5 years | 3.75% / 3.75% | 3.50% | 1.75% | 0.30% | 2.25% | 3.45% | 0.50% | 0.50% |
5 years | 3.75% / 3.75% | 3.30% | 1.70% | 0.30% | 2.25% | 3.35% | 0.50% | 0.50% |
Note: YES Bank can change the interest rates at any given time without prior notice. The above-mentioned interest rates are effective from 5 October 2026.
No interest is paid if an FCNR (B) deposit is withdrawn before completing 12 months, and a premature withdrawal penalty applies to FCNR (B) deposits.
Yes Bank RFC Deposit Rates for Returning NRIs
Yes Bank's RFC fixed deposit rates for returning NRIs are as given below:
Tenure (p.a.) | USD (< 1 Mn / >= 1 Mn) | GBP | EURO | JPY | CAD | AUD |
1 year to less than 2 years | 4.50% / 4.60% | 4.25% | 2.75% | 0.40% | 2.75% | 4.40% |
2 years to less than 3 years | 4.00% / 4.00% | 4.25% | 2.25% | 0.40% | 2.50% | 4.20% |
3 years to less than 4 years | 4.00% / 4.00% | 3.65% | 2.00% | 0.40% | 2.25% | 3.75% |
Note: YES Bank can change the interest rates at any given time without prior notice. The above-mentioned interest rates are effective from 5 October 2026.
Summary
Yes Bank NRI FD rates cover NRE and NRO rupee deposits, FCNR (B) deposits in foreign currencies and RFC deposits for returning NRIs. NRE and FCNR (B) deposits offer tax-free, fully repatriable principal and interest. Check the rate tables above for the latest Yes Bank NRI FD rates before you book a deposit.
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FAQs on YES Bank NRI FD Rates
1.What is a YES Bank NRI FD?
A YES Bank NRI FD is a fixed deposit that Non-Resident Indians can open with YES Bank through an NRE or NRO account in rupees, or as an FCNR (B) deposit in a foreign currency. Returning NRIs can also hold RFC deposits. The rate tables above list each YES Bank NRI FD type.
2.What is the minimum tenure of YES Bank NRI FD?
The minimum tenure of a YES Bank NRI FD depends on the deposit type. NRO fixed deposits can be booked for as little as seven days, while NRE and FCNR (B) deposits start at one year.
3.What is the maximum tenure of a YES Bank NRI FD?
YES Bank NRE and NRO fixed deposits run up to 10 years. YES Bank FCNR (B) deposits run up to five years.
4. Is the interest on a YES Bank NRE FD tax-free in India?
Yes, the principal and interest on a YES Bank NRE FD are exempt from tax in India. Both are also fully and freely repatriable.
5.Do senior citizens get extra interest on a YES Bank NRI FD?
No, the additional interest rate for senior citizens does not apply to YES Bank NRE and NRO fixed deposits. All customers earn the rates shown in the NRO and NRE tables above.
6.Can I avail overdraft facility with YES Bank NRI FD?
Yes, YES Bank offers an overdraft facility against its NRE and NRO fixed deposits. The overdraft limit is linked to the deposit amount.
7.Is premature withdrawal permitted for YES Bank FCNR deposits?
Yes, YES Bank allows premature withdrawal of FCNR (B) deposits, but a penalty applies. No interest is paid if the deposit is withdrawn before completing 12 months.
8. How can I book a YES Bank NRI FD?
YES Bank NRE and NRO fixed deposits can be booked through net banking or at a branch, depending on the deposit amount. FCNR (B) deposits are booked through your YES Bank Relationship Manager or by writing to the bank.
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