Compare NRI Bank Accounts | HDFC Bank - NRI Account Types, Compare NRI Accounts

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	NRE Savings Account

	Recommended for
	Foreign exchange earned outside India and transferred to India
	Currency
	Indian Rupees
	Minimum Amount for Account Opening
	INR 10,000 (Urban) INR 5,000 (Semi-urban)
	Average Quarterly Balance Requirement
	INR 10,000
	Joint Holders
	Non-resident (s)
	Mandate Holders
	Indian resident
	Repatriation
	Full amount (principal and interest)
	Taxation
	Interest is exempt from tax
	ATM / Debit Card
	International Debit Card and ATM Card given
	Interest Rate
	4% p.a

	NRO Savings Account

	Recommended for
	Keeping the money you earn or acquire in India before and after becoming an NRI
	Currency
	Indian Rupees
	Minimum Amount for Account Opening
	INR 10,000 (Urban) INR 5,000 (Semi-urban)
	Average Quarterly Balance Requirement
	INR 10,000
	Joint Holders
	Resident Indian or non-resident (s)
	Mandate Holders
	Indian resident
	Repatriation
	Only up to 1 million USD per financial year for bonafide purposes
	Taxation
	Interest is taxable
	ATM / Debit Card
	EasyShop NRO Debit Card and ATM Card given
	Interest Rate
	4% p.a

	NRE Current Account

	Recommended for
	Foreign nationals who have ESOPs issued by Indian companies
	Currency
	Indian Rupees
	Minimum Amount for Account Opening
	INR 25,000
	Average Quarterly Balance Requirement
	INR 25,000
	Joint Holders
	Resident Indian
	Mandate Holders
	Non Resident Indian
	Repatriation
	Full amount (principal and interest)
	Taxation
	Not Applicable
	ATM / Debit Card
	International Debit Card and ATM Card given
	Interest Rate
	Not Applicable

	NRO Current Account

	Recommended for
	Foreign corporate bodies and foreign nationals on visitor’s visa to India
	Currency
	Indian Rupees
	Minimum Amount for Account Opening
	INR 25,000
	Average Quarterly Balance Requirement
	INR 25,000
	Joint Holders
	Resident Indian
	Mandate Holders
	Resident or Non-Resident Indian(s)
	Repatriation
	Only up to 1 million USD per financial year for bonafide purposes
	Taxation
	Not Applicable
	ATM / Debit Card
	EasyShop NRO Debit Card and ATM Card given
	Interest Rate
	Not Applicable

	NRE Fixed Deposit

	Recommended for
	Safe and secure growth for your funds with full repatriation
	Currency
	Indian Rupees
	Minimum Amount for Account Opening
	INR 25,000 Add-on deposit 10,000
	Average Quarterly Balance Requirement
	Not Applicable
	Joint Holders
	Any other non-resident Indian
	Mandate Holders
	Resident Indian
	Repatriation
	Full amount (principal and interest)
	Taxation
	Principal and interest is exempt from income tax
	ATM / Debit Card
	Not Applicable
	Interest Rate
	Click here for current NRE Fixed Deposit Rates

	NRO Fixed Deposit

	Recommended for
	Long-term investment with high rate of interest
	Currency
	Indian Rupees
	Minimum Amount for Account Opening
	INR 25,000 Add-on 10,000
	Average Quarterly Balance Requirement
	Not Applicable
	Joint Holders
	Resident Indian
	Mandate Holders
	Not Applicable
	Repatriation
	Interest earned is Freely Repatriable
	Taxation
	TDS is deducted on the interest
	ATM / Debit Card
	Not Applicable
	Interest Rate
	Click here for current NRO Fixed Deposit Rates

	Super Saver Account

	Recommended for
	Dual advantage of liquidity of Savings Account and high interest rates of Deposits
	Currency
	Indian Rupees
	Minimum Amount for Account Opening
	Add-on in the multiples of INR 25,000
	Average Quarterly Balance Requirement
	Not Applicable
	Joint Holders
	Not Applicable
	Mandate Holders
	Not Applicable
	Repatriation
	Not Applicable
	Taxation
	Not Applicable
	ATM / Debit Card
	Not Applicable
	Interest Rate
	Not Applicable

	Sweep-In Account

	Recommended for
	Taking care of deficit in your NRI Savings / Current Account by linking without losing out on interest
	Currency
	Indian Rupees
	Minimum Amount for Account Opening
	Not Applicable
	Average Quarterly Balance Requirement
	Not Applicable
	Joint Holders
	Not Applicable
	Mandate Holders
	Not Applicable
	Repatriation
	Not Applicable
	Taxation
	Not Applicable
	ATM / Debit Card

	Interest Rate
	Remaining Deposit continues to earn interest

	FCNR Deposits

	Recommended for
	Deposit in foreign currency protecting you from exchange rate risks
	Currency
	6 foreign currencies - US Dollars, Pounds Sterling, Euro, Japanese Yen, Australian Dollars, Canadian Dollars
	Minimum Amount for Account Opening
	Depends on currency selected
	Average Quarterly Balance Requirement
	Not Applicable
	Joint Holders
	Any other non-resident Indian
	Mandate Holders
	Resident Indian
	Repatriation
	Full amount (principal and interest)
	Taxation
	Exempt from income tax
	ATM / Debit Card
	Not Applicable
	Interest Rate
	Click here for current FCNR Deposit Rates

	RupeeMax

	Recommended for
	Forward cover product that converts your FCNR FDs in INR at a pre-determined fixed rate.
	Currency
	6 foreign currencies - US Dollars, Pounds Sterling, Euro, Japanese Yen, Australian Dollars, Canadian Dollars
	Minimum Amount for Account Opening
	USD 1000/ GBP 2500/ Euro 2500.
	Average Quarterly Balance Requirement
	Not Applicable
	Joint Holders
	Available for FCNR FDs held jointly.
	Mandate Holders
	Not Applicable
	Repatriation
	Repatriate proceeds on maturity
	Taxation
	-
	ATM / Debit Card
	Not Applicable

	Not Applicable

	RFC Savings Account

	Recommended for
	Maintaining account in foreign currency even as you can withdraw cash in Indian Rupees
	Currency
	Four Currencies such as USD, GBP, JPY, EURO
	Minimum Amount for Account Opening
	Not Applicable
	Average Quarterly Balance Requirement
	Not Applicable
	Joint Holders
	Can be held jointly with other eligible persons.
	Mandate Holders
	Not Applicable
	Repatriation
	Repatriate funds on bonafide reasons
	Taxation
	Tax exemption on interest on declaration of Resident but Not Ordinarily Resident status
	ATM / Debit Card
	Not Applicable
	Interest Rate
	Not Applicable

	RFC Fixed Deposits

	Recommended for
	Maintaining an account in 4 foreign currencies and protecting yourself against exchange rate fluctuations
	Currency
	4 Foreign Currencies
	Minimum Amount for Account Opening
	Not Applicable
	Average Quarterly Balance Requirement
	Not Applicable
	Joint Holders
	Not Applicable
	Mandate Holders
	Not Applicable
	Repatriation
	Repatriate funds on bonafide reasons
	Taxation
	Tax exemption on interest on declaration of Resident but Not Ordinarily Resident status
	ATM / Debit Card
	Not Applicable
	Interest Rate
	Click here for current RFC Deposit Rates

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