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HDFC Bank offers fixed deposits to NRE with partial withdrawal facility at interest rates starting from 6.60%-7.40% p.a. for tenures of 1 year to 10 years. However, HDFC Fixed Deposit interest rate premium for senior citizens is not applicable to them. NRE depositors can avail an overdraft of up to 90% of their fixed deposits. They are also eligible for nomination facility and sweep-in facility on fixed deposits.
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HDFC NRE FD Rates Highlights |
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| Highest Slab Rate | 7.40% p.a. (4 years 7 months (55 months)) |
| 1 year | 6.60% p.a. |
| 2 years | 7.00% p.a. |
| 3 years | 7.00% p.a. |
| 4 years | 7.00% p.a. |
| 5 years | 7.00% p.a. |
Rates as of 30th December 2024
HDFC Fixed Deposit Rates on NRE Deposits
HDFC FD Interest Rates on NRE Deposits of less than Rs 3 crore w.e.f. 24 July 2024
| Tenure (Days/Years) | Interest Rates (% p.a.) | |
| Regular Citizens | Senior Citizens | |
| 1 year – less than 15 months | 6.60 | 7.10 |
| 15 months – less than 18 months | 7.10 | 7.60 |
| 18 months – less than 21 months | 7.25 | 7.75 |
| 21 months – 2 years | 7.00 | 7.50 |
| 2 years 1 day – less than 2 years 11 months | 7.00 | 7.50 |
| 2 years 11 months (35 months) | 7.35 | 7.85 |
| 2 years 11 months 1 day – 3 years | 7.00 | 7.50 |
| 3 years 1 day – less than 4 years 7 months | 7.00 | 7.50 |
| 4 years 7 months (55 months) | 7.40 | 7.90 |
| 4 years 7 months 1 day – 5 years | 7.00 | 7.50 |
| 5 years 1 day – 10 years | 7.00 | 7.50 |
HDFC Fixed Deposits Interest Rates on Domestic/NRO/NRE Deposits of Rs 3 crore to less than Rs 5 crore w.e.f. 12 June 2024
| Tenures | Interest Rate (p.a.) |
| 1 year – less than 15 months | 7.40% |
| 15 months – less than 18 months | 7.05% |
| 18 months – less than 21 months | 7.25% |
| 21 months – 2 years | 7.05% |
| 2 years 1 day – 3 years | 7.00% |
| 3 years 1 day – 5 years | 7.00% |
| 5 years 1 day – 10 years | 7.00% |
Comparison of Top 20 Scheduled Banks based on FD Rates
Banks | Highest FD rate (% p.a.) | 1-year FD rate (% p.a.) | 3-year FD rate (% p.a.) | 5-year FD rate (% p.a.) | Additional interest rate for senior citizens (% p.a.) |
| Unity Small Finance Bank | 9.00 | 7.85 | 8.15 | 8.15 | 0.50 |
| North East Small Finance Bank | 9.00 | 7.00 | 9.00 | 6.25 | 0.50 |
| Suryoday Small Finance Bank | 8.60 | 8.05 | 8.60 | 8.25 | 0.50 |
| Utkarsh Small Finance Bank | 8.50 | 8.00 | 8.50 | 7.75 | 0.60 |
| Shivalik Small Finance Bank | 8.30 | 6.00 | 7.50 | 6.50 | 0.50 |
| Jana Small Finance Bank | 8.25 | 8.25 | 8.25 | 8.20 | 0.50 |
| Ujjivan Small Finance Bank | 8.25 | 8.25 | 7.20 | 7.20 | 0.50 |
| ESAF Small Finance Bank | 8.25 | 6.00 | 6.75 | 6.25 | 0.50 |
| Equitas Small Finance Bank | 8.25 | 8.10 | 8.00 | 7.25 | 0.50-0.75 |
| DCB Bank | 8.05 | 7.10 | 7.55 | 7.40 | 0.50 |
| Bandhan Bank | 8.05 | 8.05 | 7.25 | 5.85 | 0.50-0.75 |
| RBL Bank | 8.00 | 7.50 | 7.50 | 7.10 | 0.50 |
| AU Small Finance Bank | 8.00 | 7.25 | 7.50 | 7.25 | 0.50 |
| Induslnd Bank | 7.99 | 7.75 | 7.25 | 7.25 | 0.50 |
| IDFC First Bank | 7.90 | 6.50 | 6.80 | 6.75 | 0.50 |
| SBM Bank | 7.75 | 7.05 | 7.30 | 7.75 | 0.50 |
| YES Bank | 7.75 | 7.25 | 7.25 | 7.25 | 0.50-0.75 |
| Central Bank of India | 7.45 | 6.85 | 6.75 | 6.50 | 0.50 |
| Punjab & Sind Bank | 7.45 | 6.30 | 6.00 | 6.00 | 6.00 |
| HDFC Bank | 7.40 | 6.60 | 7.00 | 7.00 | 0.50 |
Features of HDFC NRE Fixed Deposits
- HDFC NRE Fixed Deposits can be opened by non-resident individuals of Indian nationality or Indian origin.
- The bank allows partial withdrawal of NRE deposits
- The tenure for HDFC NRE FD ranges between 1 year to 10 years
- NRE depositors can avail loan of up to 90% of their deposits in the form of overdraft facility
- NRE deposits can be opened jointly with any other NRI
- Depositors can avail sweep-in facility on their NRE fixed deposits
- They are also eligible for nomination facility
HDFC NRE FD Calculator
Consumers wishing to open HDFC NRE deposit can use the FD calculator of HDFC Bank to check their interest income and maturity amount. Depositors opting for the cumulative option of HDFC NRE deposit can also use online FD calculator to find their total interest income and maturity amount.