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Bank of Baroda NRE Account

The Bank of Baroda NRE Account is an ideal solution for Non-Resident Indians (NRIs) to manage their income earned abroad while enjoying the flexibility of repatriation and secure banking. With attractive features, seamless transactions, and robust benefits, it caters to the unique needs of NRIs.

Plans starting from ₹1000/month

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What is the Bank of Baroda NRE Account?

The Bank of Baroda NRE (Non-Resident External) Account is designed to help Non-Resident Indians (NRIs) manage their income and savings in India effortlessly. This account allows NRIs to park their earnings from abroad in Indian Rupees with easy access, repatriation, and additional benefits tailored for financial flexibility and convenience.

Benefits of Bank of Baroda NRE Account

Below are the benefits of Bank of Baroda NRE account:

Repatriation of Funds: Transfer your funds abroad with ease and without restrictions.
Easy Liquidity and Convertibility: Convert your funds into Indian Rupees seamlessly for local use.
Higher Loan Amount: Get access to higher loan limits for personal or investment purposes.
Remittance Facilities: Transfer money to your account securely through various banking channels.
Free Credit Card: Enjoy the convenience of a free credit card for transactions worldwide.
Cheque Book Facility: Manage your payments with the provision of a cheque book.
Nomination Option: Assign a nominee for enhanced financial security.

Terms and Conditions of Bank of Baroda NRE Account

Below are the terms and conditions of Bank of Baroda NRE account:

Account Opening: NRIs can open an NRE account through inward remittances in any convertible currency via the following channels:
- Demand drafts
- Telegraphic transfers
- Telex
- Mail transfers
- SWIFT
- Transfer from any NRE, FCNR, or local rupee cheque (drawn in India) accounts.
Note: Cash deposits in Indian Rupees are not permitted.
Foreign Currency Deposits: During a personal visit, NRIs can deposit cash in foreign currency or travellers' cheques, which will be converted into Indian Rupees and credited to the account.
Interest Payment: Interest is paid semi-annually in June and December. NRIs can check the latest rates on deposits through the bank's website.

The Bank of Baroda NRE Account is your gateway to managing your financial commitments in India with convenience and security, offering a host of features that simplify banking for NRIs.

With its comprehensive benefits, including easy repatriation, liquidity, and added facilities like a free credit card and cheque book, the Bank of Baroda NRE Account offers a secure and convenient way for NRIs to manage their finances in India efficiently.

˜Top plans are based on annualized premium, for bookings made through https://www.policybazaar.com in FY 25. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in

*Past 10 Year annualised returns as on 01-08-2025
*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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