HDFC Bank NRE FD Interest Rates for August 2026 (Below ₹3 Cr.)
The following HDFC NRE FD interest rates are effective from August 19, 2026 and apply to fresh deposits. The minimum tenure for NRE deposits is 1 year.
| Tenure |
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 to 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 to 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 Bank NRE FD rates are w.e.f. August 19, 2026.
HDFC Bank NRE FD rates currently reach up to 6.50% p.a. for deposits below ₹3 crore and are available for the 3 years 1 day to less than 4 years 7 months tenure.
How Are HDFC Bank NRE FD Rates Decided?
HDFC Bank sets NRE FD interest rates based on its applicable deposit rate structure and RBI regulations. FD interest rates may vary based on the deposit tenure and deposit amount. RBI permits banks to offer differential rates for bulk deposits, while NRE deposit rates cannot be higher than the rates offered on comparable domestic rupee term deposits.
HDFC NRE FD Rates (₹3 Cr. to Less than ₹5 Cr.)
The following HDFC NRE FD interest rates are effective from March 7, 2026 and apply to fresh deposits for eligible high-value depositors.
| Tenure |
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% |
HDFC Bank NRE FD rates w.e.f. 7 March 2026.
The general rate goes up to 6.40% p.a. for tenures of 18 months to 2 years.
Key Features of HDFC Bank NRE FD
HDFC Bank NRE FDs allow eligible non-resident customers to hold fixed deposits in India. The key features are listed below.
- Minimum Deposit: HDFC Bank NRE account needs a minimum deposit of ₹10,000 to be opened and further deposits should be made in multiples of ₹10,000.
- Overdraft Capacity: HDFC Bank offers an overdraft capacity of up to 90% of the principal amount of the fixed deposit, subject to terms and conditions.
- Repatriation: All NRIs can withdraw the whole capital and interest earned on HDFC NRE FDs anytime, without restriction.
- Joint Account: NRE FDs can be kept jointly with another NRI at HDFC Bank. An NRE deposit can also be held as a joint account with a close relative who is a resident Indian on a ‘Former or Survivor’ basis, subject to applicable requirements.
- Partial Withdrawal: Partial premature withdrawal and sweep-in facilities are not allowed for NRE/NRO fixed deposits booked for ₹5 crore and above.
HDFC Bank FD Interest Calculator
The HDFC Bank FD Interest Calculator gives depositors a quick way to estimate the maturity amount and interest earned on a deposit, based on how much you invest, for how long, and at what rate. NRIs can use it to compare expected earnings across different tenures and amounts before committing to an NRE FD.
If you'd like a wider view before deciding, it's worth running the numbers against HDFC Bank's full FD rate list, or comparing an NRE FD against other NRI investment options in India altogether to see where your money works hardest.
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