Friday, 24 August 2018

FCNR-B accounts

FCNR- B FCNRB accounts can also be opened by NRIs. The conditions of NRE
accounts deposits as explained above are also applicable on FCNR-B deposits with
the following additional features:  Only FD 1-5 years tenure can be opened.  The amount is kept in Foreign Currency and repaid in the Foreign
Currency.  6 currencies i.e. GBP, USD, Euro, JPY, CAD. AUD are eligible
currencies for opening the account.  No exchange risk for the customer. The bank bears the risk.  Interest on the basis of 360 days in a year  Half yearly intervals of 180 days
 Interest exemptions from I.T.  Operating by P/A not permitted.  The amount of Principle and Interest is freely repatriable
 Interest Rate on 1-3 years FD is LIBOR + 200 bps and that of 3-5
years FD is LIBOR + 400 bps.(Previously, it was LIBOR + 300 bps)

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