What is an HDFC NRE Fixed Deposit?
The HDFC NRE FD is a safe investment option offered by the HDFC Bank. In this, the Non-Resident Indians (NRIs) deposit a fixed amount for a set period through their Non-Resident External (NRE) account and earn higher FD interest rates. The interest earned from the deposits is tax-free and completely repatriable. Overdraft facility of up to 90% of your deposit is available to provide quick access to funds whenever required.
HDFC Bank NRE FD Rates
Revised rates below ₹3 Crore
| Tenure |
Interest Rates (% p.a.) |
| 1 year to < 15 months |
6.25 |
| 15 months to < 18 months |
6.35 |
| 18 months to < 21 months |
6.60 |
| 21 months - 2 years |
6.45 |
| 2 Years 1 day to < 2 Year 11 Months |
6.45 |
| 2 Years 11 Months - 35 Months |
6.45 |
| 2 Years 11 Months 1 day < = 3 Year |
6.45 |
| 3 Years 1 day to < 4 Years 7 Months |
6.40 |
| 4 Year 7 Months - 55 months |
6.40 |
| 4 Year 7 Months 1 day < = 5 Years |
6.40 |
| 5 Years 1 day - 10 Years |
6.15 |
*Interest rates as of June 25, 2025.
Revised rates above ₹3 Crore
| Tenure |
Interest Rates (% p.a.) |
| 1 Year to < 15 months |
6.25 |
| 15 months to < 18 months |
6.25 |
| 18 months to < 21 months |
6.40 |
| 21 months to 2 years |
6.40 |
| 2 year 1 day to 3 years |
6.25 |
| 3 year 1 day to 5 years |
6.35 |
| 5 year 1 day to 10 years |
6.15 |
*Interest rates as of October 27, 2025.
Why Choose HDFC Bank NRE Fixed Deposits?
The HDFC NRE FD rates provide you with benefits, including:
- Higher interest rates than a savings account.
- Deposits earn interest that is fully tax-free.
- Nomination facility is available for account holders.
- Flexible deposit tenures ranging from 1 year to 10 years.
- Joint accounts can be opened with another Non-Resident Indian.
- Both principal and interest are fully repatriable, allowing the account holder to transfer funds abroad at any time.
What Are the Eligibility Criteria for an HDFC NRE FD Account?
The following conditions are to be fulfilled, and the documents are to be submitted, in order to open an HDFC NRE FD account:
- The applicant must be a Non-Resident Indian (NRI) or Person of Indian Origin (PIO).
- A valid passport copy.
- Proof of overseas or Indian address.
- Proof of PIO status, if applicable.
- A recent passport-size photograph.
- PAN card or Form 60 (if PAN is not available).
- Self-attested documents for verification purposes.
How to Open an HDFC NRE FD Account?
To open an account to get good HDFC NRE FD rates, the following steps are to be followed:
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Apply Online Through the HDFC Website:
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Go to the HDFC bank's website and search the NRI FD section.
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Click on 'Apply Now' and choose the type of FD you want.
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Fill out the online form. You might find an 'apply' button directly on the FD product page.
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Once the form is submitted, a bank representative will contact you.
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They will come to your location to collect the necessary documents and help you open your account.
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Call Back Option:
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Call the bank's customer care number or enter your details to request a call back.
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A bank representative will guide you through the account opening process over the phone.
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Similar to the online application, they will arrange to collect your documents from your home.
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Your account will then be opened.
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Offline Account Opening:
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Go to the bank's website and download the NRI FD application form.
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Fill out the printed form.
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Submit the filled form to your nearest bank branch.
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The bank will soon process your account opening.
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If you are outside India, you might be able to submit the forms at a partner branch of the bank in your country or drop them in a bank mailbox in your area.
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Through Internet Banking (for existing customers):
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If you already have an NRE account with the bank, log in to their NetBanking website or Mobile Banking App.
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Look for the option to apply for an NRI FD online and follow the instructions.
Documents Required to Open HDFC NRE FD Account
To open the HDFC NRE FD account, the following documents are to be submitted by you for the bank to review before opening your NRE FD account:
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Passport copies (key pages, self-signed).
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Overseas work/residence proof (visa/permit).
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Address proofs (India & overseas).
In Case of Applying Abroad:
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The documents mentioned above are to be submitted, but also officially verified by a banker, notary, or embassy/consulate.
Funding Proof:
Conclusion
HDFC NRE fixed deposit rates provide NRIs with higher returns compared to regular savings accounts. These earnings are fully tax-free and completely repatriable. By investing in an HDFC NRE FD, you secure a safe and guaranteed way to grow your money. With attractive HDFC Bank FD interest rates and detailed information on HDFC NRI FD interest rates, NRIs can plan their investments effectively and maximize their savings.
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