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Non-Resident Savings Account

Non-Resident Savings Account can be opened by an NRI (Non-Resident Indian)/PIO (Person of Indian Origin)/OCI (Overseas Citizen of India) to save, invest and manage their overseas and domestic earnings.

NRIs may choose from two types of savings accounts:

NRE (“Non-Resident External”) Account
A Rupee denominated account which can be opened by NRIs to park their income earned overseas. Customer can deposit their foreign earnings in this account and earn completely tax -free* interest. NRE funds are fully and freely repatriable.

NRO (“Non-Resident Ordinary”) Account
A Rupee denominated account maintained in India; wherein a NRI can deposit their income earned in India such as rent, dividend, interest, pension etc. Balances in an NRO Account are remittable up to USD 1 (One) Million per financial year, subject to conditions specified in FEMA Regulations 2016.

  • NRE Classic Savings Account
    • Non-Resident External (NRE) Classic Savings Account-Indian Rupee Account to park your foreign income earned outside India.

      01
      Eligibility
      • Non-Resident Indian (“NRI”)/Person of Indian Origin (“PIO”)/Overseas Citizen of India (“OCI”).
      02
      Key Features
      • Fully & Freely repatriable.
      • Higher Interest Rate of upto 6.25%*p.a on Savings.
      • Tax Free interest in India.
      • Monthly credit of Interest in Savings Account.
      • Multiple offers through RuPay Classic Debit Card.
      • Average Monthly Balance requirement: AMB of INR 10,000 or Fixed Deposit of INR 50,000.
      03
      Tax Treatment
      • No Tax Deduction at Source (TDS) in India.
      04
      Mandate Holder Facility
      • Appoint your loved ones in India as a Mandate holder to operate the account on your behalf.
      05
      Rate of Interest
      06
      Documents Required
      • As per the extant KYC Policy of the Bank.
      07
      Forms
      08
      FAQs
  • Exclusive
    NRE Supreme Savings Account
      • Non-Resident External (NRE) Supreme Savings Account-Indian Rupee Account to park your foreign income earned outside India.

        01
        Eligibility
        • Non-Resident Indian (“NRI”)/Person of Indian Origin (“PIO”)/Overseas Citizen of India (“OCI”).
        02
        Key Features
        • Fully & Freely repatriable.
        • Higher Interest Rate of upto 6.25%*p.a on Savings.
        • Tax Free interest in India.
        • Monthly credit of Interest in Savings Account.
        • Power Packed offers through RuPay Platinum Debit Card.
        • Average Monthly Balance requirement: AMB of INR 1,00,000 or Fixed Deposits of INR 5,00,000.
        03
        Special Features
        • Complimentary Annual Healthcare Package (valid in India) for Family of 4 for 1st Year.
          1. - Unlimited phone / video consultation.
          2. - Specialist Consultation at network hospitals (Twice a year).
          3. - Free Health Check-up (Twice a year).
          4. - 4 Free Online Pharmacy Vouchers of Rs 500 each.
          5. - 2 Free Dental Consultation Vouchers.
          6. - 2 Dietfit Vouchers to avail Diet Management Program for 90 days.
          7. - Network Discount Card for availing discounts at select member outlets.
        04
        Tax Treatment
        • No Tax Deduction at Source (TDS) in India.
        05
        Mandate Holder Facility
        • Appoint your loved ones in India as a Mandate holder to operate the account on your behalf.
        06
        Rate of Interest
        07
        Documents Required
        • As per the extant KYC Policy of the Bank.
        08
        Forms
        09
        FAQs
  • New
    NRO Classic Savings Account
    • Non-Resident Ordinary (NRO) Classic Savings Account-Indian Rupee Account to park your Income earned in India like rent, dividend, interest, pension etc in Indian currency (INR) and overseas income.

      01
      Eligibility
      • Non-Resident Indian (“NRI”)/Person of Indian Origin (“PIO”)/Overseas Citizen of India (“OCI”)
      02
      Key Features
      • Repatriation up to USD 1 million per financial year for bonafide purposes*
      • Higher Interest Rate of upto 6.25%*p.a on Savings
      • Interest Earned is subject to Tax Deduction at Source
      • Monthly credit of Interest in Savings Account
      • Multiple offers through RuPay Classic Debit Card
      • Average Monthly Balance requirement: AMB of INR 10,000 or Fixed Deposit of INR 50,000
      03
      Tax Treatment
      • Tax Deduction at Source (TDS) in India is applicable
      04
      Mandate Holder Facility
      • Appoint your loved ones in India as a Mandate holder to operate the account on your behalf.
      05
      Rate of Interest
      06
      Documents Required
      • As per the extant KYC Policy of the Bank.
      07
      Forms
      08
      FAQs
  • New
    NRO Supreme Savings Account
    • Non-Resident Ordinary (NRO) Supreme Savings Account-Indian Rupee Account to park your Income earned in India like rent, dividend, interest, pension etc in Indian currency (INR) and overseas income.

      01
      Eligibility
      • Non-Resident Indian (“NRI”)/Person of Indian Origin (“PIO”)/Overseas Citizen of India (“OCI”)
      02
      Key Features
      • Repatriation up to USD 1 million per financial year for bonafide purposes*
      • Higher Interest Rate of upto 6.25%*p.a on Savings
      • Interest Earned is subject to Tax Deduction at Source
      • Monthly credit of Interest in Savings Account
      • Power Packed offers through RuPay Platinum Debit Card
      • Average Monthly Balance requirement: AMB of INR 1,00,000 or Fixed Deposit of INR 5,00,000
      03
      Special Features
      • Complimentary Annual Healthcare Package (valid in India) for Family of 4 for 1st Year
      • - Unlimited phone / video consultation

        - Specialist Consultation at network hospitals (Twice a year)

        - Free Health Check-up (Twice a year)

        - 4 Free Online Pharmacy Vouchers of Rs 500 each

        - 2 Free Dental Consultation Vouchers

        - 2 Dietfit Vouchers to avail Diet Management Program for 90 days

        - Network Discount Card for availing discounts at select member outlets

      04
      Tax Treatment
      • Tax Deduction at Source (TDS) in India is applicable
      05
      Mandate Holder Facility
      • Appoint your loved ones in India as a Mandate holder to operate the account on your behalf
      06
      Rate of Interest
      07
      Documents Required
      • As per the extant KYC Policy of the Bank
      08
      Forms
      09
      FAQs

* T&C Applied

For any query dial helpline No :- +91 22 69045666/ +91 22 62298799
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