Whether you earn overseas income or earnings in India, HDFC Bank’s NRI Deposits offer better savings, higher interest rates, and easier banking options.
Choose from a wide range of deposit accounts cutting across rupee account fixed deposits, deposits in foreign currency or deposits in offshore accounts in Hong Kong and Bahrain.
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Know more about Deposit Account
The HDFC Bank NRI Deposit Accounts offer several features, including:
NRI Deposit Accounts offer benefits, like
To apply for an NRI Deposit Bank Account with HDFC Bank, you can follow these general steps:
1. Go to the HDFC Bank website and navigate to the NRI Banking section.
2. Click on the ‘Apply Now’ link for the types of NRI Accounts you are interested in.
3. Choose the type of FD or RD from the dropdown menu.
4. Fill in your basic details on the form provided.
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Non-resident Indians (NRIs) can take out loans against their NRI Deposit Accounts at HDFC Bank. They can apply for a loan against securities or their Fixed Deposit (FD) accounts. This facility allows NRIs to borrow funds without liquidating their deposits and continue to earn interest on the deposited amount.
The four key NRI Deposit Accounts online are:
1. Fixed Deposit Rupee Account (NRE/NRO):
Competitive interest rates.
Tax exemption benefits.
Full repatriation of funds.
2. Recurring Deposits (NRE/NRO):
Grow savings by depositing small amounts regularly.
Competitive interest rates.
3. Fixed Deposit Foreign Currency Account (FCNR):
Create FDs in different currencies.
Attractive interest rates.
Protection against forex fluctuations.
4. Offshore Accounts & Deposits:
Convenient fixed deposits in Hong Kong or Bahrain.
Ideal for holding funds offshore.
NRIs can include a resident Indian as a joint account holder in the 'Former or Survivor' mode of operation.