High-Yield Savings for the Global Indian.
Secure your hard-earned foreign currency in a Rupee-denominated deposit that offers superior returns and complete liquidity.
The Bharat Bank NRE Fixed Deposit is an ideal investment for NRIs looking to earn high Indian interest rates on their foreign income. Since the account is maintained in Indian Rupees (INR), you benefit from the growing Indian economy while keeping your funds fully repatriable. Whether you want to save for a future home in India or build a retirement corpus, our NRE FDs provide the perfect balance of security and growth.
-
Free Insurance
Life & Accident Cover
-
Digital Services
Mobile Banking, UPI
-
Debit Card
Rupay Classic, Platinum
-
Personal Service
People-centric Banking
|
APPROVED RATE OF INTEREST ON TERM DEPOSITS (NRE) W.E.F 01.01.2026 (% p.a.) |
||||
|
Period of Deposits |
Below ā¹ 1 Crore |
ā¹ 1 Crore to less than ā¹ 2 CroreĀ |
ā¹ 2 Crore to less than ā¹ 5 Crore |
ā¹ 5 Crore Ā and above |
|---|---|---|---|---|
|
12 months |
6.80 |
7.45 |
7.55 |
7.50 |
|
Above 12 months upto 24 months |
6.85 |
7.00 |
7.00 |
7.00 |
|
Above 24 months upto 36 months |
6.85Ā |
6.85 |
6.85 |
6.85 |
|
Above 36 months upto 120 months |
6.25 |
6.10 |
6.10 |
6.10 |
|
APPROVED RATE OF INTEREST ON TERM DEPOSITS (NRE) W.E.F 01.01.2026 (% p.a.) |
||||
|
Period of Deposits |
Below ā¹ 1 Crore |
ā¹ 1 Crore to less than ā¹ 2 CroreĀ |
ā¹ 2 Crore to less than ā¹ 5 Crore |
ā¹ 5 Crore Ā and above |
|
12 months |
6.80 |
7.45 |
7.55 |
7.50 |
|
Above 12 months upto 24 months |
6.85 |
7.00 |
7.00 |
7.00 |
|
Above 24 months upto 36 months |
6.85Ā |
6.85 |
6.85 |
6.85 |
|
Above 36 months upto 120 months |
6.25 |
6.10 |
6.10 |
6.10 |
Note: For NRE Term Deposits, the minimum tenure to earn interest is 1 year. No interest is payable if the deposit is withdrawn before 12 months.
- 100% Tax-Exempt: Interest earned on NRE Fixed Deposits is completely exempt from Income Tax in India. No TDS (Tax Deducted at Source) is applicable.
- Fully Repatriable: Both the principal amount and the interest earned can be freely transferred back to your overseas bank account in foreign currency.
- Flexible Payout Options:
-
Cumulative: Interest is compounded quarterly and paid at maturity (ideal for wealth creation).
-
Non-Cumulative: Receive regular interest payouts on a monthly (at a discount) or quarterly basis.
-
- Loan Against FD: Avail of an instant loan or overdraft on your deposit amount for immediate financial needs in India.
- Auto-Renewal: Choose to automatically renew your deposit at the prevailing rates to ensure your money never sits idle.
-
Eligible Applicants: NRIs (Non-Resident Indians) and OCIs (Overseas Citizens of India).
-
Joint Holding:
-
With another NRI (Either or Survivor).
-
With a Resident Indian relative (on a 'Former or Survivor' basis).
-
-
Below 1 Year: No interest will be paid.
-
After 1 Year: A penalty of 1.00% is typically applied to the interest rate applicable for the period the deposit actually remained with the bank.
-
Account Opening: Free.
-
Inward Remittance: No charges for receiving funds via SWIFT/Wire Transfer (correspondent bank charges may apply).
(Exclusive of GST)
|
APPROVED RATE OF INTEREST ON TERM DEPOSITS (NRE) W.E.F 01.01.2026 (% p.a.) |
||||
|
Period of Deposits |
Below ā¹ 1 Crore |
ā¹ 1 Crore to less than ā¹ 2 CroreĀ |
ā¹ 2 Crore to less than ā¹ 5 Crore |
ā¹ 5 Crore Ā and above |
|---|---|---|---|---|
|
12 months |
6.80 |
7.45 |
7.55 |
7.50 |
|
Above 12 months upto 24 months |
6.85 |
7.00 |
7.00 |
7.00 |
|
Above 24 months upto 36 months |
6.85Ā |
6.85 |
6.85 |
6.85 |
|
Above 36 months upto 120 months |
6.25 |
6.10 |
6.10 |
6.10 |
|
APPROVED RATE OF INTEREST ON TERM DEPOSITS (NRE) W.E.F 01.01.2026 (% p.a.) |
||||
|
Period of Deposits |
Below ā¹ 1 Crore |
ā¹ 1 Crore to less than ā¹ 2 CroreĀ |
ā¹ 2 Crore to less than ā¹ 5 Crore |
ā¹ 5 Crore Ā and above |
|
12 months |
6.80 |
7.45 |
7.55 |
7.50 |
|
Above 12 months upto 24 months |
6.85 |
7.00 |
7.00 |
7.00 |
|
Above 24 months upto 36 months |
6.85Ā |
6.85 |
6.85 |
6.85 |
|
Above 36 months upto 120 months |
6.25 |
6.10 |
6.10 |
6.10 |
Note: For NRE Term Deposits, the minimum tenure to earn interest is 1 year. No interest is payable if the deposit is withdrawn before 12 months.
- 100% Tax-Exempt: Interest earned on NRE Fixed Deposits is completely exempt from Income Tax in India. No TDS (Tax Deducted at Source) is applicable.
- Fully Repatriable: Both the principal amount and the interest earned can be freely transferred back to your overseas bank account in foreign currency.
- Flexible Payout Options:
-
Cumulative: Interest is compounded quarterly and paid at maturity (ideal for wealth creation).
-
Non-Cumulative: Receive regular interest payouts on a monthly (at a discount) or quarterly basis.
-
- Loan Against FD: Avail of an instant loan or overdraft on your deposit amount for immediate financial needs in India.
- Auto-Renewal: Choose to automatically renew your deposit at the prevailing rates to ensure your money never sits idle.
-
Eligible Applicants: NRIs (Non-Resident Indians) and OCIs (Overseas Citizens of India).
-
Joint Holding:
-
With another NRI (Either or Survivor).
-
With a Resident Indian relative (on a 'Former or Survivor' basis).
-
-
Below 1 Year: No interest will be paid.
-
After 1 Year: A penalty of 1.00% is typically applied to the interest rate applicable for the period the deposit actually remained with the bank.
-
Account Opening: Free.
-
Inward Remittance: No charges for receiving funds via SWIFT/Wire Transfer (correspondent bank charges may apply).
(Exclusive of GST)