Fixed Deposit

Fixed Deposits Any NRI individual can open a fixed deposit account for which we offer various tenures at attractive interest rates.

For further details, contact us.

  • Reinvestment deposits compound and accumulate quarterly interest, thus enabling a higher yield in terms of returns at the end of the tenure
  • You can give the bank an instruction to automatically renew the deposit or to credit the interest and principal amount to your account on the respective due dates
  • Deposits can also be opened in the name of minors with a guardian to operate the account
  • For details of the minimum deposit required, please refer to our latest schedule of fees available here
  • We offer higher interest rates on select deposits (conditions apply) You can opt for loans against these deposits
  • All deposits come with a nomination facility
  • Rates, fees and charges, wherever applicable, are subject to change without prior notice. The latest schedule of fees is available upon request at our branches in India and is also accessible here

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  • Non-Resident External (NRE) Account

    We offer you the Non-Resident External (NRE) term deposit account, which is fully repatriable. NRE deposits are maintained in Indian rupees, giving you the benefit of no tax deduction at source on the interest earned. NRE deposits that are closed prematurely, i.e. prior to completion of one year, do not earn any interest as per RBI regulations.

  • Non-Resident Ordinary (NRO) Term Deposit Account

    The Non-Resident Ordinary (NRO) term deposit account is available with attractive interest rates applicable to local resident deposits with a wide range of tenures to choose from.

    The interest earned on NRO term deposits is repatriable after deduction of taxes in India. NRO deposits are maintained in Indian rupees only. Premature closure of deposits is permitted though may be subject to a penalty fee.

  • Foreign Currency Non-Resident (FCNR) Term Deposit Account

    We also offer you the Foreign Currency Non-Resident (FCNR) term deposit account, which is a fully repatriable foreign currency term deposit account with currency options as allowed by the Reserve Bank of India. This account also comes with the attractive feature of no tax deduction at source on the interest earned. FCNR deposits closed prematurely, i.e. prior to completion of one year, do not earn any interest, as per RBI regulations.

  • FCNR Rupee Plus Deposit Account with rupee swap

    The Rupee Plus Deposit Plan is an excellent opportunity for you to earn significantly higher rupee returns on your FCNR deposit.

    The advantages of the Rupee Plus account

    • Full and free repatriation of funds
    • Higher returns compared with putting your money in NRE FD accounts as per the prevailing market rates
    • Tax-free rupee returns
    • Assured returns once the deal is booked, irrespective of the future movements in currency markets.

    Investment Option

    • Tenure of one year
    • Only for USD currency
    • For the minimum investment amount required, please refer to our latest schedule of fees accessible here
    • No pre-closure.
  • Resident Foreign Currency (RFC) Account

    RFC accounts can be opened, held and maintained by a person residing in India with an authorised dealer for depositing eligible foreign exchange funds once the individual has ceased to be an NRI. They are also available to citizens of India or Persons of Indian Origin (PIOs) who have been non-residents for a continuous period of not less than one year and who became a resident of India on or after 18 April, 1992.

    If the account holder goes abroad and becomes a non-resident again, the balance available in the RFC account can be repatriated or the account can be converted into an NRE or FCNR account.

    Rates, fees and charges, wherever applicable, are subject to change without prior notice. The latest schedules of fees are available upon request at our branches in India and are also displayed 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 39534100
Fax : +91 22 39534106

Bengaluru Office

Citi Centre, 28 Church Street,
Bengaluru 560001 - INDIA
Tel: +91 80 25582000
Fax:+91 80 25582323

Business Hours

Monday to Saturdays:
(Other than second and fourth Saturdays*)
10.30 AM to 4.00 pm
*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