HDFC Bank FCNR(B) Deposit
HDFC Bank's FCNR(B) term deposit keeps eligible NRI funds in one of seven foreign currencies, with fully repatriable principal/interest and a currency-specific dated rate table.
Structured from first-party bank/issuer evidence. This page does not claim personal hands-on product use unless that experience is explicitly stated.
Recorded source review date, not a claim that the product changed that day.
Target recheck: October 10, 2026.
Rate, tenure, liquidity and booking conditions belong together.
A headline deposit rate is incomplete without the dated schedule, tenure band, customer category and premature-withdrawal rules.
Fixed deposit evidence stays in its own structure.
Specialist fields below remain source-scoped. Missing values stay missing; one banking product type is never used to manufacture facts for another.
Keep currency and tenure attached to every FCNR(B) rate.
These are nominal annual rates from the reviewed first-party schedule. A blank means the bank did not quote that currency for that tenure; no rate is inferred.
| Tenure | GBP | USD | EUR | JPY | AUD | CAD | SGD |
|---|---|---|---|---|---|---|---|
| 1 year to <2 years | 3.75% | 3.80% | 2.15% | 0.80% | 4.15% | 2.15% | 1.05% |
| 2 years to <3 years | 3.60% | 3.55% | 1.90% | — | 3.90% | 2.05% | 1.10% |
| 3 years to <4 years | 3.50% | 3.50% | 1.80% | — | 3.85% | 2.00% | 1.25% |
| 4 years to <5 years | 3.40% | 3.15% | 1.65% | — | 3.80% | 1.95% | 1.35% |
| 5 years only | 3.40% | 3.15% | 1.65% | — | 3.80% | 1.95% | 1.35% |
Rate basis: HDFC FCNR(B) currency-specific schedule effective 1 September 2026; rates are not normalized into the INR FD finder. · Effective/reference date: September 1, 2026
Dated deposit-rate snapshots.
Effective-date evidence is preserved instead of silently replacing an older rate when a bank reprices new deposits.
HDFC FCNR(B) currency-specific schedule effective 1 September 2026; rates are not normalized into the INR FD finder.
Fees, balances, benefits, limits and eligibility without a single-score shortcut.
These six fields are the cross-product layer. The specialist section above controls whenever a type-specific field is more precise.
Who this record appears designed for—and what can break the fit.
Best-fit wording summarizes the published proposition. It is not individualized financial advice or an approval prediction.
NRIs who want a bank term deposit without converting the principal into INR and whose home/earning currency matches one of HDFC’s supported FCNR currencies.
- Never compare an FCNR USD/GBP rate directly with an INR FD rate as if the currencies were identical.
- HDFC’s special 3–5-year lock-in applied to deposits booked from 10 June to 31 August 2026; that booking window is now past.
- Currency availability and auto-renewal treatment can vary by currency/tenure.
Compare this product only where the pair is deliberately maintained.
Both sides keep independent review dates, exact conditions and first-party evidence. No winner score is generated.
Complete evidence set for this maintained profile.
Each source remains independent. A product page, tariff, KFS/MITC, rate schedule or programme document is not silently treated as interchangeable evidence.
When the bank changes a term after the recorded review, the current agreement, tariff, KFS/MITC or effective rate table controls.
This page organizes dated public evidence; it does not guarantee eligibility, availability, approval, service quality or future pricing.