Smart Account - Eligibility

Introduction

Smart Account is tailored for Non-Resident Indians, offering enhanced interest rates through an offshore Smart Account, held in a currency of your choice between HKD and USD. It provides immediate access to funds with attractive interest rates on deposits.

Eligibility Criteria for NRI Smart Account

  • Hong Kong Resident

  • Non-Resident Indian

  • Foreign National*

  • *Please Review local applicable regulatory requirements

FAQs

To meet NRI Smart Account eligibility, you must be either of the following: a Hong Kong Resident, a Non-Resident Indian, or a Foreign National (subject to local laws).

The minimum balance requirement for NRI Smart Account varies and may be modified by the bank. To learn about the minimum balance requirement, you can visit your nearest HDFC Bank branch or connect with our executives, based on your country of residence. You can find our contact information on the Locate Us tab here.

HDFC Bank’s Smart Account is an NRI Account specially created considering NRI investors’ deposit needs. It offers attractive interest rates with the facility to hold an account in HKD or USD currencies. Eligible individuals and companies can hold this account with up to 3 joint holders.