Interest Rates

  • Interest Rates - Local/NRO Deposits

    With effect from 01.11.2019 The interest rates on Local and Non-Resident Ordinary (NRO) Rupee Deposits have been revised as per details below:

    LOCAL/NRO Less than Rs. 2 Crore Equal to & above Rs. 2 crore and < Rs. 5 crores
    7 DAYS TO 14 DAYS 3.60 3.60
    15 DAYS TO 45 DAYS 3.85 3.85
    46 DAYS TO 90 DAYS 6.00 6.00
    91 DAYS TO 179 DAYS 6.50 6.60
    180 DAYS TO LESS THAN 1 YEAR 6.75 6.90
    1 YEAR & ABOVE TO 554 DAYS 7.40 7.50
    555 DAYS** 7.60 7.70
    556 DAYS TO < 2 YEARS 7.40 7.50
    2 YEARS AND ABOVE TO 1233 DAYS 7.50 7.60
    1234 DAYS** 7.65 7.75
    1235 DAYS TO 5 YEARS 7.50 7.60

    (Rates are expressed in % p.a.)

    0.50% extra for senior citizens

  • Interest Rates - NRE Deposits

    With effect from 01.11.2019 The interest rates on Non-Resident External (NRE) Rupee Deposits have been revised as per details below:

    Tenure Less than Rs. 2 Crore Equal to & above Rs. 2 crore and < Rs. 5 crores
    1 YEAR & ABOVE TO 554 DAYS 7.40 7.50
    555 DAYS** 7.60 7.70
    556 DAYS TO < 2 YEARS 7.40 7.50
    2 YEARS & ABOVE TO 1233 DAYS 7.50 7.60
    1234 DAYS 7.65 7.75
    1235 DAYS TO 5 YEARS 7.50 7.60
    • (Rates are expressed in % p.a.) These rates are also applicable for renewals of NRE deposits
  • Domestic / NRO and NRE Deposit Rates >= 5Cr

  • Interest Rates - FCNR Deposits

    With effect from 01.11.2019 The following rates of interest will be applicable for FCNR deposits.

    Tenor US $ STG EURO YEN AUD
    1 YR & ABOVE TO < 2 YRS 2.72 1.43 0.00 0.00 N/A
    2 YRS & ABOVE TO < 3 YRS 2.62 N/A N/A N/A N/A
    3 YRS & ABOVE TO < 4 YRS 2.55 N/A N/A N/A N/A
    4 YRS & ABOVE TO < 5 YRS N/A N/A N/A N/A N/A
  • Interest Rates - RFC/Consulate Accounts in Foreign Currency

    With effect from 01.11.2019 The following rates of interest will be applicable.

    Tenor US $ STG EURO YEN AUD
    RFC/CONSULATE - W.E.F. 01.10.2019 0.75 0.45 0.00 N/A N/A
    1 MONTHS & ABOVE TO < 6 MONTHS 1.60 0.50 0.00 N.A N.A
    6 MONTHS & ABOVE TO < 1 YR 1.75 0.70 0.00 N.A N.A
    1 YEAR & ABOVE TO < 2 YRS 1.90 0.90 0.00 N.A N.A
    2 YRS & ABOVE TO < 3 YRS 2.05 N.A N.A N.A N.A
    3 YEARS N.A N.A N.A N.A N.A

    (Rates are expressed in percentage per amount)

    Differential Rate of Interest

    • Interest rates are applicable for fresh and renewed deposits
    • Senior Citizens (60 years and above) are offered 0.50% additional over and above the prevailing Interest Rate (applicable only for Resident Indians)
    • Savings NRE / NRO / Local account earns Interest @ 4% p.a

    Note:

    In case of Domestic/NRO deposits no interest will be payable if the deposit is withdrawn prematurely prior to 7 days. In all other cases 1% penalty as per the present rule will be levied.

Lending rate

The Base Rate is 9.50%

For details on Marginal Cost of Funds Based Lending Rate (MCLR) please click here

For further details, please click here.

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Mumbai Office

75 Rehmat Manzil,
Veer Nariman Road, Churchgate,
Mumbai 400020 - INDIA
Tel : +91 22 61763800
Fax : +91 22 61763806

Bengaluru Office

No.25, Ground Floor, West Wing
Corniche Al Latheef,
Cunningham Road,
Bengaluru - 560001, India
Tel: +91 80 61177700
Fax: +91 80 61177750

Business Hours

Monday to Saturdays:
(Other than second and fourth Saturdays*)
10.00 AM to 4.00 PM (Mumbai branch)
10.30 AM to 4.00 PM (Bengaluru branch)
*Bank will remain closed on Second and Fourth Saturdays every month.

Head Office

Abu Dhabi Commercial Bank Building,
Shk Zayed Street,
P. O. Box: 939,
Abu Dhabi, United Arab Emirates
www.adcb.com