1. Can non-resident Indians (NRIs) who reside in Hong Kong open an account with HDFC Bank and invest through HDFC Bank?

Yes, eligible NRIs have to comply with the regulations that are laid down by the Government of India under FEMA and the RBI, while investing in many types of products like fixed deposits, mutual funds, and other eligible investment plans, which can be easily done through HDFC Bank.

2. Can I send money to my HDFC Bank NRI account from Hong Kong?

Yes. NRIs can transfer money to their NRE or NRO accounts through authorised channels of foreign money remittance service with HDFC Bank. The processing time and the exchange rates depend on the remittance channel and the applicable banking procedures.

3. Can I fully handle my HDFC Bank NRI account online from Hong Kong?

Yes, NRIs can avail services like balance enquiry, fund transfer, making payments, opening fixed deposits, etc. from anywhere using Internet Banking and Mobile Banking.

4. Is the interest on my HDFC Bank NRI account taxable?

The applicable tax laws will govern the tax treatment of the type of NRI account. As per Indian tax laws, interest earned on NRE and FCNR(B) deposits is generally tax-free in India if the account holder is a Non-Resident Indian. Interest earned on NRO accounts is generally taxable in India. You may also have tax obligations in your country or territory of residence, including Hong Kong, depending on local tax rules and any applicable tax treaties.

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HDFC Bank in Hong Kong

HDFC Bank is amongst the most successful private sector banks in India. HDFC Bank operates a licensed banking office in Kowloon, Hong Kong, that serves corporate and banking customers while also supporting eligible NRI banking requirements through HDFC Bank's NRI banking channels. With the help of digital banking facilities and its relationship managers, non-resident Indians residing in Hong Kong can also operate their NRI accounts and have various NRI account benefits.

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HDFC Bank Kowloon Address

If you would like to know more about the services and other associated products of HDFC Bank, you may visit the office.

Office Address	Suite 1707, 17th Floor, Gateway Tower 1, Harbour City, 25 Canton Road, Tsim Sha Tsui, Kowloon, Hong Kong.
Working Hours	Monday to Friday: 9:30 AM to 4 PM
Phone Number	+852 3107 2970

HDFC Bank NRI Services

Hong Kong-based NRIs can avail the NRI account benefits of HDFC Bank through Internet Banking / Relationship Managers. Once the relevant documentation/mailing formalities are completed, an NRI account can be opened online.

NRIs residing in Hong Kong can use HDFC Bank's NRI Banking facility and avail a variety of banking services. Eligible NRIs can apply to open NRE, NRO and FCNR(B) accounts through HDFC Bank's NRI banking channels, transfer remittances to India, and make foreign currency term deposits.
Eligible NRIs can also apply for home loans and access various investment plans and products offered by HDFC Bank, subject to applicable eligibility criteria.
HDFC Bank NRI account offers not just simple online banking features, but also an effective way to manage your banking and financial transactions in India even when you are away. By meeting HDFC Bank's rules and regulations, customers who are eligible can invest in plans like mutual funds and fixed deposits, insurance products, and other investment plans offered by the bank.
NRI accounts maintained in India are governed by the Foreign Exchange Management Act (FEMA), Reserve Bank of India (RBI) regulations and other applicable laws of India. The tax treatment of income from NRI accounts depends on the type of account, applicable Indian tax laws and the tax laws of the country of residence of the customer.

Conclusion

HDFC Bank has a range of convenient digital banking solutions for NRIs in Hong Kong and other locations where it is available. HDFC Bank’s online banking solution lets customers easily open and operate an NRI account, enjoy a host of NRI account benefits, and discover numerous NRI investments in India. If you are an NRI looking to transfer money to India, invest in India or operate your finances remotely, you will find many suitable banking options provided by HDFC Bank.

FAQs

1. Can non-resident Indians (NRIs) who reside in Hong Kong open an account with HDFC Bank and invest through HDFC Bank?

Yes, eligible NRIs have to comply with the regulations that are laid down by the Government of India under FEMA and the RBI, while investing in many types of products like fixed deposits, mutual funds, and other eligible investment plans, which can be easily done through HDFC Bank.
2. Can I send money to my HDFC Bank NRI account from Hong Kong?

Yes. NRIs can transfer money to their NRE or NRO accounts through authorised channels of foreign money remittance service with HDFC Bank. The processing time and the exchange rates depend on the remittance channel and the applicable banking procedures.
3. Can I fully handle my HDFC Bank NRI account online from Hong Kong?

Yes, NRIs can avail services like balance enquiry, fund transfer, making payments, opening fixed deposits, etc. from anywhere using Internet Banking and Mobile Banking.
4. Is the interest on my HDFC Bank NRI account taxable?

The applicable tax laws will govern the tax treatment of the type of NRI account. As per Indian tax laws, interest earned on NRE and FCNR(B) deposits is generally tax-free in India if the account holder is a Non-Resident Indian. Interest earned on NRO accounts is generally taxable in India. You may also have tax obligations in your country or territory of residence, including Hong Kong, depending on local tax rules and any applicable tax treaties.

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˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in

*Past 10 Year annualised returns as on 01-09-2026
*All savings plans are provided by the insurer as per the IRDAI approved insurance plan. Tax benefit is subject to changes in tax laws. Standard T&C Apply
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
**Returns are based on past 10 years' fund performance data (Fund Data Source: Value Research).
^Returns as on 10th Jan'25. 18% returns for Tata AIA Life Top 200 for the last 10 years.The past performance is not necessarily indicative of future performance. Source: Morningstar

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