YES Bank NRI Fixed Deposit Schemes and Key Conditions
Yes Bank offers the following Yes Bank NRI FD Rates Schemes for their customers:
- Yes Bank NRE FD Rates Scheme
- Yes Bank NRO FD Rates Scheme
- Yes Bank FCNR Rates Scheme
It is essential to know that Yes Bank NRE FD Rates do not apply to NRI senior citizens and are exclusive only to Senior Citizens residing in India. The minimum tenure for the NRE deposit interest rates is 1 year. Rates for FD are up to 7.00% for deposits below Rs. 3 crore, depending on the tenure and account type.
Difference Between NRE, NRO, and FCNR (B) Accounts
It is essential to know the difference between the 3 NRI FD account types before depositing the money:
| Particulars |
NRE Account |
NRO Account |
FCNR-B Account |
| Account Purpose |
An NRE Account is for depositing income earned outside India (e.g., foreign salary). |
An NRO account is specifically for managing income earned within India (e.g., rent, dividends, pension). |
FNCR- B account is a fixed deposit that holds funds in a Foreign Currency (e.g., USD, EUR) to protect against INR exchange rate fluctuations. |
| Account Type |
Savings, Recurring, or Current Account |
Savings, Recurring, or Current Account |
Fixed Deposit accounts with a 1-year minimum tenure |
| Currency denomination |
Indian Rupee |
Indian Rupee |
AUD, CAD, CHF, EUR, GBP, HKD, JPY, SGD, USD |
| Joint holding facility |
It can be held with other NRIs. |
It can be held with other Indian residents or NRI. |
It can be held with other NRIs. |
| Repatriation Facility |
Balance is fully repatriable. |
Interest earned is fully repatriated. |
Interest earned, and the principal amount is fully repatriable. |
| Taxability |
Tax is exempted from the interest income. |
Interest income is taxable. |
Tax is exempted from the interest income. |
Yes Bank NRE FD Rates for Less Than Rs. 3 Crores
| Tenure |
General Citizens |
| 12 months |
6.65% |
| 12 months 1 day < 18 months |
6.75% |
| 18 months |
6.75% |
| 18 months 1day < 24 months |
7.00% |
| 24 months to < 36 months |
7.00% |
| 36 months to < 60 months |
7.00% |
| 60 months |
6.75% |
| 60 months 1 day to <= 120 months |
6.75% |
Yes Bank NRE FD Rates are effective as of 30th August 2025
Yes Bank NRO FD Rates for Less Than Rs. 3 Crores
| Tenure |
General Citizens |
| 7 to 14 days |
3.25% |
| 15 to 45 days |
3.50% |
| 46 days to 90 days |
4.50% |
| 91 days to 120 days |
4.75% |
| 121 days to 180 days |
4.75% |
| 181 days to 271 days |
6.00% |
| 272 days to 335 days |
6.25% |
| 336 days to < 12 months |
6.50% |
| 12 months |
6.65% |
| 12 months 1 day < 18 months |
6.75% |
| 18 months |
6.75% |
| 18 months 1 day < 24 months |
7.00% |
| 24 months < 36 months |
7.00% |
| 36 months to < 60 months |
7.00% |
| 60 months |
6.75% |
| 60 months 1 day to <= 120 months |
6.75% |
Yes Bank NRI Fixed Deposit Rates are effective as of 1st December 2025
Yes Bank FCNR Rates
| Period |
USD |
GBP |
EURO |
JPY |
CAD |
AUD |
HKD |
SGD |
| 1 year to less than 2 years |
4.85% |
4.50% |
2.80% |
0.40% |
3.50% |
4.40% |
0.50% |
1.90% |
| 2 years to less than 3 years |
4.25% |
4.45% |
2.65% |
0.40% |
3.20% |
4.20% |
0.50% |
1.65% |
| 3 years to less than 4 years |
4.25% |
3.65% |
2.00% |
0.40% |
2.95% |
4.00% |
0.50% |
0.75% |
| 4 years to less than 5 years |
4.25% |
3.50% |
1.75% |
0.30% |
3.00% |
3.70% |
0.50% |
0.75% |
| 5 years only |
4.20% |
3.30% |
1.70% |
0.30% |
3.05% |
3.60% |
0.50% |
0.75% |
Yes Bank FCNR Rates as of December 2025
Conclusion
All the Yes Bank NRI Interest Rate accounts, that is, Non-Resident External (NRE), Non-Resident Ordinary (NRO), and Foreign Currency Non-Resident (FCNR), allow the NRIs to deposit their income money efficiently and hassle-free in India. These accounts are entirely safe for saving income and earning decent returns on the invested amount.
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