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International Banking

NRE Fixed Deposit
  • Product Offer*
    • 7.95% interest rate per annum on 376-390 days NRE Fixed Deposit
  • Features
    • NRE Fixed deposit account is maintained in Indian Rupees
    • Principal and Interest are freely repatriable
    • Interest earned on the account is not subject to tax deduction at source
    • Choice of tenure: 1 year to 5 years
    • A minimum deposit amount of INR 10,000
    • Auto renewal facility
    • Overdraft facility available against Fixed Deposit
  • *Terms and Conditions Apply
Mortgages
  • Product Offer*
    • Home Loan starting at 9.51%* (floating rate)
    • Nil processing fees
    • Loan tenor up to 15 years
    • Cash-back offers up to 2%*
  • *Terms and Conditions Apply
FCNR Deposit
  • Product Offer*
    • Attractive interest rates for USD deposits at 1.90% for 1 year*
    • This Term Deposit account protects your investments from exchange rate fluctuations
  • Features
    • Multiple choice to book FCNR Deposits: USD, GBP, EUR, AUD, CAD, JPY
    • Choice of tenure: 1 year to 3 years *
  • *Terms and Conditions Apply
FCNR with Forward Cover
  • You can now hedge your investments in either local or foreign currency deposits with forward cover.*
  • These exclusive fixed deposits for NRIs secure your investments against currency fluctuations.
  • You may opt for a Forward Contract to protect against currency risks on both existing and new FCNR or NRE deposits.
  • *Terms and Conditions Apply
Global Recognition for your family & Global Link
You enjoy special privileges worldwide – so does your family and an online banking feature that allows you to view your accounts across geographies*
  • *Terms and Conditions Apply
NRE Saving Accounts
  • Product Offer*
    • This product offers you the convenience of holding local currency, you can access your funds freely when in India. You can convert the savings into foreign currency and repatriate it any time you wish.
  • Features
    • Funds held in the account and interest earned on them can be fully repatriated
    • Free globally valid VISA Platinum Debit Card with daily limit of INR 200,000
    • No tax deduction at source on interest income
    • Free Multicity Cheque Books that allow you to issue cheques drawn on branches across India
NRO Savings Account
  • Product Offer*
    • This product offers you the convenience of managing local rupee funds (for income you may have in India from rent, pension, dividends and other sources)
  • Features
    • Free VISA Platinum Debit Card for your spends in India with daily limit of INR 200,000.
    • Free Multicity Cheque Books that allow you to issue cheques drawn on branches across India

Terms and Conditions
  • No interest is payable if NRE fixed deposit is withdrawn before completion of 12 months.

Scenarios for refund

Rate applied Extent of refund
Standard rate 1%
Between standard rate and a rate that is 1% better than standard rate Such that the net rate applied is 1% better than the standard rate
A rate that is more than 1% better than standard rate No refund

FAQs

  • How does SuperValue Saving work?
    SuperValue Saving Account comes with a globally valid debit/ATM card that allows customers to access all Standard Chartered Bank ATMs and provides instant cash at all VISA Network ATMs in India and abroad.
    • SuperValue Saving customers get free cash withdrawal facility at any VISA Network ATM in India (Charges are levied for more than 5 non-Standard Chartered ATM transactions per month if the average quarterly balance of Rs. 25,000 is not maintained.)
    • The debit card can be used to make purchases at over 326,000 merchant outlets in India.


    • Which ATMs can SuperValue Saving customers use for free?
      SuperValue Savings Account customers can withdraw cash at any VISA Network ATM in India free of any charge. (Charges are levied for more than 5 non-Standard Chartered ATM transactions per month if the average quarterly balance of Rs. 25,000 is not maintained.). This includes ATMs with the following banks in addition to Standard Chartered ATMs:
      • ICICI Bank, HDFC Bank, HSBC, Citibank, IDBI Bank, Axis Bank, Centurion Bank, Bank of Punjab, Corporation bank, IndusInd Bank, Kotak Mahindra Bank, Canara Bank, Dena Bank, Andhra Bank, State Bank of India, Development Credit Bank, Bank of India, Bank of Baroda, Syndicate Bank


  • What is a debit card?
    The globally-valid Standard Chartered Debit Card is the easiest way of accessing your bank account. A debit card allows you to purchase goods at VISA Electron merchant establishments and withdraw funds from your bank account from any VISA Electron ATM in India and abroad.

  • What is the difference between a debit card and a credit card?
    The basic difference between a debit card and a credit card is that the debit card gives you access to your own money whereas a credit card is a form of loan that accesses a line of credit offered by your bank. Put in simple terms, a debit card is a buy-now-pay-now option while a credit card is a buy-now-pay-later option. Therefore, no interest is charged and you have no monthly repayments with a debit card.

  • What is the advantage of a debit card?
    Our debit card offers tremendous convenience in payments and helps reduce the amount of cash you need to carry. You always stay in control of your finances because you can only spend what you have when you access your own funds to make purchases and to withdraw cash.

    • NRE Fixed Deposits

    • No interest is payable if NRE Fixed Deposit is withdrawn before completion of 12 months.
    • The interest rates are subject to change and are updated on  daily basis.

    Wealth Services

    • Offer valid on mutual fund transactions for clients who enroll for Investment Services between 20th Oct, 15 and 31st Dec, 15
    • Waiver of fees would be applicable to mutual fund transactions executed through us until 31st March, 16

    Mortgages

    • Rates are subject to revision from time to time
    • Cash back is subject to below conditions -
    • Applicable only on Home loans where Home Loan EMI is debited from the linked Standard Chartered Savings Account
    • Cash back to be calculated as per the grid given below. Tenure of the Home Loan cash back as a % of EMI

    • Period (in months) Cash back Amount (% of EMI)
      0-60 0.5%
      61-120 1.0%
      >121 2.0%

    • First cash back is credited only after completion of 36 months. Post which cash back is credited every 12 months for the preceding 12 months as per the grid above
    • Cash back is applicable only if there is no single instance of EMI bounce or of default or delay in payment of EMI for whatsoever reason during the entire tenure of the loan. In case of a default or bounce for whatsoever reason, the cash back will be revoked for the entire remaining tenure of the loan
    • Part payments will not be considered as part of the cash back calculation

    FCNR Deposit

    • No interest is payable if FCNR Deposit is withdrawn before completion of 12 months.
    • The interest rates are subject to change and are updated on daily basis.

    FCNR with Forward Cover

    • Rates and Yields offered are provisional and subject to change at any time without prior notice. Please contact your Branch or Relationship manger to confirm the yield before actual placement of funds.
    • The forward contract deal locks in the Rupee Return on the deposit. Future movements in currency markets cannot affect returns once the forward contract deal has been booked.
    • The booking of the forward contract, protects the depositor from unfavorable movements in the exchange rate.
    • On the other hand it must also be noted that , once the forward contract is booked, the depositor cannot take advantage of any favorable movements in the currency markets either.

    Global Recognition for your family & Global Link

    • Global recognition available in mentioned geographies:
    • China, Hong Kong, India, Korea, Malaysia, Singapore, Taiwan, Bangladesh, Brunei, Indonesia, Nepal, Japan, Philippines, Sri Lanka. Thailand, Vietnam
    • Bahrain, Jordon, Lebanon, Pakistan, Oman, Qatar, UAE
    • Botswana, Ghana, Kenya, Nigeria, Tanzania, Uganda, Zambia, Zimbabwe
    • Global Link: Country regulations for all online transactions and term and conditions of the account and remittance shall apply
     

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