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FCNR Deposit Interest Rate

FCNR Deposit Interest Rate

FCNR Deposit Interest Rate 

FOREIGN CURRENCY NON-RESIDENT DEPOSITS (FCNR(B)) (% P.A.) w.e.f. 15.01.2026.

CURRENCY

USD

GBP

EURO

CAD

AUD

JPY

PERIOD OF THE DEPOSIT

RATE

YIELD*

RATE

YIELD*

RATE

YIELD*

RATE

YIELD*

RATE

YIELD*

RATE

YIELD*

1 year

4.40

4.46

4.00

4.06

 2.75

2.79

2.97

3.01

3.75

3.80

0.40

0.41

Above 1 year to less than 2 years

4.40

4.61

4.00

4.18

2.75

2.85

2.97

3.08

3.75

3.91

0.40

0.41

2 years to less than 3 years

3.55

3.77

3.95

4.21

1.25

1.29

2.72

2.86

3.65

3.88

0.40

0.41

3 years to less than 4 years

3.35

3.61

3.00

3.21

1.25

1.30

2.47

2.62

3.55

3.84

0.40

0.41

4 years to less than 5 years

2.95

3.20

2.90

3.14

1.25

1.30

2.52

2.71

3.45

3.79

0.30

0.31

5 years

3.05

3.32

2.80

3.03

1.25

1.30

2.57

2.76

3.35

3.67

0.30

0.31
* Annualised yield at the end of the period.

 

  • Rates are subject to change, without prior notice.
  • Annualised yield calculated on the maximum period under the respective period bucket.
  • For 1 year’s FCNR (B) deposit, simple Interest is applicable.
  • For FCNR (B) deposit above 1 year, Interest is compounded at half yearly frequency.
Premature withdrawals of FCNR (B) Deposits :
  • No interest is payable, if the deposit is withdrawn before one year.
  • No premature penalty for the deposit withdrawn after completion of one year. However, interest shall be paid 
    • at the contracted rate. OR
    • at the rate prevailing at the time of opening of related FCNR(B) deposit account for the period deposit has remained with the Bank. OR
    • at present interest rate for the period deposit has remained with the Bank. (Whichever is lowest)

Last Updated On : Wednesday, 14-01-2026

Interest Rates

7.25%* p.a. onwards

w.e.f. 15.12.2025

*T&C Apply.

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