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HDFC Bank NRE FD Interest Rates – Highlights
| Highest slab rate | 6.50% p.a. (3 years 1 day to less than 4 years 7 months) |
| For 1 year | 6.25% p.a. |
| For 2 years | 6.45% p.a. |
| For 3 years | 6.45% p.a. |
| For 4 years | 6.40% p.a. |
| For 5 years | 6.40% p.a. |
Interest rates are updated as of 19 March 2026
Book FDs at Interest rate upto 8.00% p.a
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HDFC NRE FD Interest Rates
HDFC NRE Fixed Deposit Interest Rates for deposits of less than Rs 3 crore w.e.f. 6 March 2026
| Tenure | Interest Rates (p.a.) |
| 1 year to less than 15 months | 6.25% |
| 15 months to less than 18 months | 6.35% |
| 18 months to less than 21 months | 6.45% |
| 21 months to 2 years | 6.45% |
| 2 years 1 day to less than 2 years 11 months | 6.45% |
| 2 years 11 months (35 months) | 6.45% |
| 2 years 11 months 1 day to 3 years | 6.45% |
| 3 years 1 day to less than 4 years 7 months | 6.50% |
| 4 years 7 months (55 months) | 6.40% |
| 4 years 7 months 1 day to 5 years | 6.40% |
| 5 years 1 day to 10 years | 6.15% |
HDFC NRE FD Rates for deposits of Rs 3 crore to less than Rs 5 crore w.e.f. 7 March 2026
| Tenure | Interest Rates (p.a.) |
| 1 year to less than 15 months | 6.25% |
| 15 months to less than 18 months | 6.25% |
| 18 months to less than 21 months | 6.40% |
| 21 months to 2 years | 6.40% |
| 2 years 1 day to 3 years | 6.25% |
| 3 years 1 day to 5 years | 6.35% |
| 5 years 1 day to 10 years | 6.15% |
Comparison of Top 20 Scheduled Bank FD Interest 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.) |
| Suryoday Small Finance Bank | 8.10 | 7.25 | 7.25 | 7.90 | 0.20 |
| Jana Small Finance Bank | 7.77 | 7.00 | 7.50 | 7.77 | 0.50 |
| ESAF Small Finance Bank | 8.00 | 4.75 | 6.00 | 5.75 | 0.50 |
| Utkarsh Small Finance Bank | 7.50 | 6.00 | 7.50 | 7.00 | 0.50 |
| Ujjivan Small Finance Bank | 7.45 | 7.25 | 7.20 | 7.20 | 0.50 |
| Shivalik Small Finance Bank | 7.80 | 6.00 | 6.75 | 6.25 | 0.50 |
| Equitas Small Finance Bank | 7.40 | 6.90 | 7.00 | 7.00 | 0.50 |
| Bandhan Bank | 7.25 | 7.00 | 7.25 | 5.85 | 0.50-0.75 |
| DCB Bank | 7.15 | 6.90 | 7.00 | 7.15 | 0.25-0.50 |
| RBL Bank | 7.20 | 7.00 | 7.20 | 6.70 | 0.50 |
| Capital Small Finance Bank | 7.15 | 7.00 | 7.00 | 6.90 | 0.50 |
| SBM Bank | 7.85 | 7.10 | 7.10 | 7.00 | 0.50 |
| AU Small Finance Bank | 7.10 | 6.35 | 7.10 | 6.75 | 0.50 |
| Central Bank of India | 6.50 | 6.20 | 6.00 | 6.00 | 0.50 |
| YES Bank | 7.00 | 6.65 | 7.00 | 6.75 | 0.50-0.75 |
| Induslnd Bank | 7.00 | 6.75 | 6.90 | 6.65 | 0.50 |
| Unity Small Finance Bank | 7.50 | 7.50 | 6.75 | 6.75 | 0.50 |
| Federal Bank | 6.75 | 6.25 | 6.75 | 6.40 | 0.50 |
| Bank of India | 6.60 | 6.25 | 6.25 | 6.00 | 0.50 |
NRE Non-Callable Term Deposit Interest Rates for deposits of Rs. 2 crore to less than Rs. 5 crore w.e.f. 19 March 2026
| Tenure | Interest Rates (p.a.) |
| 1 year to less than 15 months | 6.30% |
| 15 months to less than 18 months | 6.30% |
| 18 months to less than 21 months | 6.45% |
| 21 months to 2 years | 6.45% |
| 2 years 1 day to 3 years | 6.35% |
| 3 years 1 day to 5 years | 6.45% |
| 5 years 1 day to 10 years | 6.25% |
Types of HDFC NRE Deposits
HDFC NRE Fixed Deposits
- Depositors can transfer funds from abroad in a freely convertible foreign currency.
- NRIs can also open NRE Fixed Deposit with traveller’s cheques or brought by another NRI during their visit to India or with foreign currency notes.
- The tenure for HDFC NRE FD ranges from 1 year to 10 years.
- Depositors can avail overdraft against 90% of their deposits.
- NRE deposits can be opened jointly with any other NRI, Overseas Citizens of India (OCIs) and Persons of Indian Origin (PIOs).
- Depositors can repatriate their entire deposit (principal + interest) at any time.
- They are also eligible for the nomination facility.
- Sweep-in facility is available on their fixed deposits for amounts less than Rs. 5 crore.
- NRIs can transfer funds from an existing NRE account held in other banks.
HDFC NRE Non-Withdrawable Deposit
- The minimum amount to open an HDFC NRE Non-withdrawable deposit is Rs. 2 crore.
- The tenure for FD ranges from 1 year to 10 years.
- Depositors can avail a monthly or quarterly interest payout option.
Premature Withdrawal of NRE Deposits
- HDFC Bank does not levy any penalty on premature closure of NRE Fixed Deposit.
- No interest will be paid if the depositor withdraws the FD amount before 1 year.
- Partial premature withdrawal is not allowed for NRE depositors who have opened an FD for amounts between 5 crore and less than 25 crore.
- NRE FD depositors are not allowed to avail the sweep-in facility for amounts between 5 crore and less than 25 crore.
- With effect from 22 July 2023, the interest rate for premature withdrawal, including the sweep-in FDs, will be the rate on the date of the FD booked for the tenure for which the deposit remained with the HDFC bank and not at the contracted rate.
FAQs
What is the highest HDFC NRE FD interest rate?
The highest fixed deposit rate for HDFC NRE FD is 6.50% p.a. for tenures of 3 years 1 day to less than 4 years 7 months.
Can I have a joint applicant for NRE Fixed Deposit?
NRIs can open an HDFC Bank NRE FD jointly with another NRI, Overseas Citizens of India (OCIs), or Persons of Indian Origin (PIOs) as joint account holders.
Can I change the tenure of my existing HDFC Bank NRE FD?
Depositors cannot change the tenure once the FD account is opened with HDFC Bank. In case a depositor wants to opt for a different tenure, then he/she would have to prematurely close their existing FD and use the closure proceeds to open a fresh FD with the desired tenure.