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An FCNR(B) deposit is a fixed-term bank deposit in a permitted foreign currency for eligible non-residents of Indian nationality or origin. Interest, withdrawal, maturity and repatriation follow Reserve Bank of India (RBI) rules, but the bank sets its own offered rate and operational terms within that framework. The practical essentials are to check how interest is paid, what early withdrawal costs, and what instruction the bank needs when the deposit matures.
What an FCNR(B) deposit is—and who can hold one
FCNR(B) stands for Foreign Currency Non-Resident (Bank). It is a term deposit maintained in a foreign currency under India’s deposit scheme, rather than a rupee-denominated deposit. It is available to eligible non-residents of Indian nationality or origin, subject to the scheme’s rules and the bank’s onboarding requirements. The precise eligibility and permitted funding route should be confirmed against current regulations and the chosen bank’s terms.
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Qualifying funding routes include inward remittance and transfers from eligible NRE or FCNR accounts. This does not mean that every transfer from any account qualifies: the source account and the depositor must meet the applicable conditions. Ask the bank to confirm eligibility before arranging a transfer, especially if the money is already in India or the depositor’s residence status has changed.
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A free scan shows the junk files, broken settings and background clutter dragging Windows down - then fixes them in one click.Free scan · Windows 10 & 11The deposit’s foreign-currency denomination can avoid converting the principal into Indian rupees when it is placed. It does not guarantee the principal’s value in the currency the depositor will eventually spend. The eventual value can rise or fall as exchange rates move, and RBI does not provide an exchange-rate guarantee for FCNR(B) deposits.
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Currency, tenure and the rate a bank may offer
RBI rules establish the scheme’s permitted currency and maturity framework, with terms available up to five years. The actual currencies and tenure choices on a bank’s menu can vary, so an old currency list or another bank’s product page is not proof of what a particular bank currently offers. Check availability, minimum deposit, eligible funding and the exact maturity date with the bank before placing the deposit.
RBI sets ceilings for interest rates rather than a single rate that every bank must pay. In its circular index dated 6 December 2024, RBI described the ceiling as a spread over the relevant currency’s overnight Alternative Reference Rate (ARR) and swap rate:
| FCNR(B) deposit maturity | Maximum spread described by RBI | How to interpret it |
|---|---|---|
| One year to less than three years | 250 basis points over the relevant overnight ARR and swap rate | A regulatory ceiling framework, not a guaranteed customer rate |
| Three years up to five years | 350 basis points over the relevant overnight ARR and swap rate | A regulatory ceiling framework, not a guaranteed customer rate |
These figures describe the RBI ceiling framework stated in the 6 December 2024 circular index, not a current quote for a deposit. The bank’s offered rate may be lower and depends on the currency, term and its current pricing. Because directions can be amended, confirm that the ceiling framework and the bank’s quote still apply on the day you book.
Compare offers using the rate for the same currency and comparable tenure. A higher quoted rate alone does not settle which deposit is suitable: payout timing, premature-withdrawal terms, maturity instructions and your future spending currency affect the outcome. Request the rate and terms in writing, including whether the quoted figure applies for the full term and how interest is credited.
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How FCNR(B) interest is calculated and paid
RBI’s scheme directions describe interest calculations on a 360-day year basis. That convention affects the day-count calculation; it is not the same as simply assuming every year has 365 days. The calculation and payment schedule depend on the term and the bank’s permitted payout option.
- Deposit of up to one year: Interest is payable without a compounding effect under the scheme directions.
- Deposit longer than one year: The directions describe calculation and payment at 180-day intervals, followed by interest for the remaining actual days. A depositor may opt for interest payable at maturity with compounding.
The 360-day convention and interval description come from RBI’s FCNR(B) interest-payment directions; check the current wording and the bank’s product terms when opening a deposit. In particular, distinguish interest credited periodically from interest accumulated for payment at maturity. Ask the bank to show the calculation for the proposed amount, currency, tenure and payout choice rather than comparing rates without their payment methods.
Interest eligibility is also affected by how long the deposit remains in place. RBI’s materials specify a minimum stipulated period of one year for FCNR(B) interest eligibility. If a deposit is closed before that minimum, no interest is payable. The bank can explain how its system handles a particular proposed closure date and whether any other terms apply.
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Closing early can change both the interest outcome and the amount returned. Withdrawal before the one-year minimum stipulated period earns no interest. For other premature withdrawals, RBI permits banks to impose a penalty; banks may also, at their discretion, recover swap costs. The applicable penalty components must be disclosed when the deposit is accepted.
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There is no single penalty amount to assume across banks or deposits. Before booking, get the bank’s current written terms for the currency and tenure you are considering. Check whether the penalty is a rate reduction, a separate charge or another disclosed adjustment, and whether swap-cost recovery may be added. Do not infer the cost from a different bank’s product page or from the quoted interest rate.
Converting an FCNR(B) deposit to an NRE deposit before its maturity is also subject to the premature-withdrawal provisions. If you may need the money before the agreed term, ask the bank how the proposed conversion or closure would be treated and request an estimate of proceeds in the deposit currency.
What to do when the deposit matures
Maturity is the point at which the contracted term ends and the principal and any interest due are handled under the deposit terms and the depositor’s instructions. Decide in advance whether you want the proceeds remitted in foreign currency, placed in another eligible account or converted under an option available to you. Ask the bank what instruction it needs and by when; product menus and processes are bank-specific.
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1Repair Windows errors before they cause bigger problems2Scan for outdated or missing drivers - takes under a minute3Clear out junk files and repair common Windows errorsAn overdue FCNR(B) deposit is not automatically renewed. RBI material allows renewal at the bank’s discretion within a stated short overdue window, with the interest rate subject to the prescribed comparison between the rate prevailing at maturity and the rate when renewal is requested. The duration of that window and the operational process should be confirmed against current directions and the bank’s rules. If the deposit is overdue beyond that window, a fresh placement may be handled under terms set by the bank. Do not assume that the old rate continues or that the deposit renews unless the bank confirms it.
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Before the maturity date, check the maturity instruction on file and confirm what happens if the bank receives no instruction. If you want a new deposit, confirm the new rate and tenure rather than treating renewal as a continuation of the old contract. If you want proceeds transferred, verify the receiving account details, currency and any bank requirements in enough time to correct errors.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.Can FCNR(B) money be repatriated?
Yes. RBI scheme material permits repatriation of FCNR(B) funds in foreign currency. Repatriation means transferring the foreign-currency balance abroad; it is not the same as converting the deposit into rupees or moving it to another type of Indian account. Confirm the bank’s remittance process, documentation and charges, if any, before giving an instruction.
Foreign-currency repatriation does not lock in a value against another currency. If the deposit is held in one currency but the depositor’s future expenses are in another, exchange-rate movements can affect purchasing power when the money is converted. Consider both the deposit currency and the likely spending currency before treating a rate comparison as a measure of the eventual return.
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What changes if you return to India
A depositor who returns to India should tell the bank and ask how the account must be treated. Under RBI scheme material, the bank may allow the FCNR(B) deposit to continue until maturity at its contracted rate when the depositor requests it. From the return date, however, the account is treated as resident for other purposes. The contracted interest provision does not make the account non-resident for every regulatory or account-handling purpose.
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At maturity, the returning depositor may choose a resident rupee deposit or, if eligible, a Resident Foreign Currency (RFC) account. The new deposit or account is subject to its own applicable rate and terms; it does not simply inherit the FCNR(B) rate after maturity. Confirm eligibility for RFC and the available choices with the bank, and ask how any conversion will be handled.
When funds move between currencies, conversion can affect the amount available in the currency you need. RBI does not guarantee an exchange rate for FCNR(B). Ask the bank for the applicable conversion process and rate information before instructing a conversion; do not assume that maintaining the deposit in foreign currency eliminates exchange-rate exposure.
Tax: do not infer your result from the currency
FCNR(B) interest tax treatment depends on applicable law and the depositor’s circumstances. RBI material contains tax-exemption statements for eligible NRI deposit interest, but that alone does not establish the current tax result for a particular person, period or jurisdiction—especially after a change in residential status. A foreign-currency denomination is not, by itself, proof that interest is tax-free.
Before relying on an exemption or reporting position, confirm current Indian tax rules for the relevant year and your status, and consider any tax obligations in your country of residence. A qualified tax professional can assess the individual circumstances. Avoid applying a general statement about eligible NRI interest to a returnee or to tax rules outside India without checking the legal basis.
A practical checklist for comparing offers
Use the same facts when comparing deposits from different banks. Request current written terms for the exact currency and tenure; an advertised rate without its conditions is not enough to assess the deposit.
- Currency: Is it available for this product, and does it match the currency in which you expect to use the proceeds?
- Tenure and maturity: What is the exact start and maturity date, and does the bank offer the term you need?
- Rate and payout: What rate applies, how is interest calculated, and is it paid periodically or at maturity with compounding?
- Early access: What happens if you close before one year, and what penalty or possible swap-cost recovery applies for another premature closure?
- Maturity instructions: What choices are available, what happens if you give no instruction, and does the bank treat the deposit as overdue or renew it only at its discretion?
- Eligibility and service terms: What are the bank’s eligibility, minimum deposit, funding and documentation requirements?
- Return to India: If relevant, how will residency-status changes affect the account before maturity and the available choices at maturity?
RBI rules provide the common scheme framework, but the bank’s current terms determine its actual rate, product options and procedures. Your currency needs and ability to keep the money invested until maturity determine whether those terms fit your plans.
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