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NRI Banking
Banking that makes you feel at home
You work hard overseas to fulfill your and your family's life goals. With our Non-Resident Accounts you can take advantage of competitive exchange rates while you grow your savings
in Indian or foreign currency.
Non-Resident External (NRE) Saving Bank Account
Grow your savings with
peace of mind
The NRE savings account lets you transfer your earnings to India conveniently and securely. You can repatriate the funds held in the account along with the interest earned at any point in time without paying tax on the interest earned.
- The account is maintained in INR only
- Account can be held jointly with a Non-Resident Indian
(persons of Indian nationality or origin) / or with a Resident Indian (close relative) on former or survivor basis - You can appoint a mandate holder or authorize a person to operate the bank account on your behalf
- Pay zero tax on the interest earned in your NRE account in India
- Conduct transactions online with 24/7 security via
Internet Banking - Competitive exchange rates available when converting foreign currency into Rupees
Non-Resident Ordinary (NRO) Saving Bank Account
Secure your earnings in India while working abroad
Open an NRO Savings Account to manage and secure your income in India, whether from rent payments, dividends earnings or others.
- The account is maintained in INR only
- Account can be held jointly with a Non-Resident Indian
(persons of Indian nationality or origin) / or with a Resident Indian on former or survivor basis. - Conduct transactions online with 24/7 security via Internet Banking
- RBI allows repatriation only for i) current income ii) up to USD 1 (one) million per financial year (April-March), for any bonafide purpose after payment of applicable taxes.
- Is taxable under Indian Income Tax Act.
- You can appoint a mandate holder or authorize a person to operate the bank account on your behalf
- Transfer funds from an existing NRO/NRE/FCNR Account held in other banks.
- Competitive exchange rates available when converting foreign currency into Rupees
Resident Foreign Currency Account (RFC)
Earn high returns on funds you hold in foreign currency
The Resident Foreign Currency Account (RFC) gives you the opportunity to earn high returns on all funds you hold in foreign currency without the risk of foreign exchange conversion. Your INR savings can also be converted to foreign currency and kept in an RFC.
Credit your RFC account with the entire amount you saved while an NRI, with the ability, ease and flexibility to remit, repatriate and hold your savings in India depending on your preferences and residential status.
- Flexibility in opening account in multiple currencies
(US Dollars (USD), Pounds Sterling (GBP), Euro (EUR) & Japanese Yen (JPY)) - Withdraw foreign currency as required
- Protection for your savings against exchange rate fluctuations
- No ceiling on the maximum amount you can deposit into the account
- Account can be held jointly by eligible returning NRI
Take your savings further
Earn attractive returns on your savings and enjoy a host of banking services that suit your lifestyle with our Fixed Deposits and Recurring Deposits.
Remittance
Send the funds to meet your family's day-to-day requirements
DirectRemit
Send the funds to meet your family's day to day requirements and future goals quickly and with complete peace of mind
Telegraphic Transfer
Transfer money from your Emirates NBD or other bank account overseas to India quickly, easily and securely.
Useful Links & Documents
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.