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Interest Rates
Domestic / NRO Fixed Deposit Interest Rates
| Tenure | Less than INR 2 Crore Rate (% p.a.) |
|---|---|
| 7-14 days | 2.75% |
| 15-29 days | 2.75% |
| 30-60 days | 3.00% |
| 61-92 days | 3.25% |
| 93-184 days | 3.60% |
| 185-274 days | 4.00% |
| 275-364 days | 4.40% |
| 1 year-1 year 9 days | 4.90% |
| 1 year 10 days | 5.85% |
| 1 year 11 days and upto 2 years | 5.15% |
| 2 years 1 day and upto 3 years | 5.50% |
| 3 years 1 day and upto 5 years | 5.50% |
Effective from 26th April 2021
*NRE deposit rates are for tenors 1 year and above
*Kindly contact your RM/Branch Manage for Term Deposits for INR 2 Crore and above
Premature withdrawal of Term Deposit (less than INR 2 crore)
- Premature withdrawal penalty of 1% will apply
- Interest will be paid at the rate prevailing on the date of deposit for the tenure the deposit or the withdrawn amount remained with the bank or at the contracted rate, whichever is lower after deducting applicable penal charge for premature withdrawal as per Terms & Conditions of the bank.
- No interest will be paid on deposits that remain with the bank for less than the minimum period for which the deposits were accepted depending on the type of deposit.
- TDS once applied (where applicable) shall not be reversed or adjusted on any pre‐mature closure / part closure of deposits or on submission of a reduced TDS rate application.
NRE Fixed Deposits Interest Rates
| Tenure | Less than INR 2 Crore Rate (% p.a.) |
|---|---|
| 1 year-1 year 9 days | 4.90% |
| 1 year 10 days | 5.85% |
| 1 year 11 days and upto 2 years | 5.15% |
| 2 years 1 day and upto 3 years | 5.50% |
| 3 years 1 day and upto 5 years | 5.50% |
Effective from 26th April 2021
*NRE deposit rates are for tenors 1 year and above
*Kindly contact your RM/Branch Manager for Term Deposits for INR 2 Crore and above
Premature withdrawal of Term Deposit (less than INR 2 crore)
- Premature withdrawal penalty of 1% will apply
- Interest will be paid at the rate prevailing on the date of deposit for the tenure the deposit or the withdrawn amount remained with the bank or at the contracted rate, whichever is lower after deducting applicable penal charge for premature withdrawal as per Terms & Conditions of the bank.
- No interest will be paid on deposits that remain with the bank for less than the minimum period for which the deposits were accepted depending on the type of deposit.
- TDS once applied (where applicable) shall not be reversed or adjusted on any pre‐mature closure / part closure of deposits or on submission of a reduced TDS rate application. At present TDS is not applicable to NRE Deposits.
FCNR Deposits Card Rates (USD currency)
| Tenure | <= USD 100,000 |
|---|---|
| >=12m to <=13m | 0.70% |
| >13m to <=24m | 0.50% |
| >24m to <=36m | 0.50% |
For amounts > USD 100,000 (or equiv.) kindly contact your RM / Branch Manager.
Effective from 1st February 2021
Savings Deposit Interest Rates
| Balance (INR) | Rate of Interest (% p.a.) |
|---|---|
| Less than 1 Lakh | 4.00% |
| 1 Lakh to Less than 5 Lakhs | 4.25% |
| 5 Lakhs to less than 5 Crore | 5.00% |
| 5 Crore & Above | 4.50% |
Effective from 16th April 2020
MCLR Rates
| Tenure | Rate of Interest |
|---|---|
| Overnight | 5.40% |
| 1 month | 5.40% |
| 3 months | 5.80% |
| 6 months | 6.05% |
| 12 months | 6.40% |
Effective from 1st January 2022
External Benchmark Based Rates for MSME Sector
| FBIL published 3 months T Bill rates | Min Range | Max Range | |
|---|---|---|---|
| Benchmark approved by ALCO | 3 months T-Bill | 3.62% | 3.62% |
| Spreads over EXTERNAL BENCHMARK | 1.95% | 6.95% |
Effective from 1st January 2022
About Emirates NBD India
Terms and Conditions
Useful Links & Documents
Unclaimed Deposits
Bank has started its operations in 2017, hence as on date there are no Unclaimed Deposits.
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Dear Valued Customer,
Given the developing situation around the Coronavirus – COVID 19 outbreak, the safety and well-being of our customers, our employees and the community, remains our top priority. Accordingly we request our customers to use our online mode, to make any payments from your accounts with us through Banknet for Retail Customers and smartBUSINESS for Corporate Customers for NEFT, RTGS, IMPS etc. payments.
We wish to confirm that all our clearing operations are fully operational and you can continue using them without any disruptions.
Should you require any clarifications please write to us at indiahelpdesk@emiratesnbd.com or on our office contact number +91 22 6153 2300 or you can also call you respective Relationship/Trade Managers during working days.
We look forward to continuing to serve you, as always.
RBI guidelines on Covid19 pandemic relief package:
Emirates NBD Bank (P.J.S.C), India is offering relief measures to its customers on the applicable credit facilities.
For easy reference, please click on the link to find details about our Covid19 Regulatory Package policy.