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NRI Banking

NRE Fixed Deposit
  • Product Offer*
    • 7.25%* interest rate per annum for amount of INR 1 Crore or less
  • 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
Wealth Services
A suite of carefully evaluated investment products that help meet your unique financial needs based on your risk appetite
  • Features*:
    • Choose from a wide range of third party products
    • Dedicated team of specialists to help you make appropriate financial decisions
    • Consolidated view of your Investment, Insurance, Bank account balances and deposits
    • Take advantages of our remote wealth specialist (RWS) service where access to investment transactions in India is just a call away
    • Transact in mutual funds anytime, anywhere using your mobile or laptop, with Online Mutual Funds
  • *Terms and Conditions Apply
  • Disclaimers
Remittance
  • Preferential exchange rates for NRIs
  • Zero processing fees*
  • Instant online remittances*
  • *Applicable for remittances from SCB account from specific geographies.
Mortgages
  • Product Offer*
    • Home Loan starting at 8.71%* (linked to 6 months MCLR)
    • Home Saver Facility at attractive rates
    • Nil processing fees
    • Loan tenure up to 25 years
    • Balance transfer options available
  • *Terms and Conditions Apply
FCNR Deposit
  • Product Offer*
    • Attractive interest rates for USD deposits*
    • 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
NRE/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 Infinite Debit Card with exclusive privileges-airport lounge access, concierge services, Priority pass and golf privileges
    • 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
Priority Banking
  • Your Priority status is recognised across over 30 markets in Asia, Africa and the Middle East
  • Global Link
    • Seamlessly link and view multiple accounts in different countries in a single view
    • Move funds within your accounts at the click of a button
  • Global recognition of your status that extends to your spouse and children
  • Enjoy the preferential service levels that you are accustomed to, with our 14 exclusive Priority Centres in India and 200 worldwide, as well as a dedicated 24 hour Priority Contact Centre with toll-free helpline numbers.
  • Emergency cash service for Priority Banking clients at branches in select countries
  • Special Dining Plus programme for Priority Visa Infinite Credit Card customers
  • Global concierge with enhanced benefits at over 300 hotels in 130 cities
Health Assure

Standard Chartered partners with HealthAssure to bring exclusive healthcare packages for our customers and their families at great prices:

  • Doctor and specialist consultations
  • Diagnostic services
  • Health Coach – Personalized teleconsultation with health experts
  • Pharmacy vouchers
  • Convenience of 2800 centers in 800 cities in India
  • Online booking of all facilities on HealthAssure portal/app

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

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

    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

    Disclaimers

    • Online Mutual Funds:
    • The Online Mutual Funds platform is an EXECUTION-ONLY platform. If you wish to receive advice from us in relation to transacting in Mutual Funds, you should not use the Online Mutual Funds Platform but should instead contact your banker for further information. We are not acting as your investment advisor nor providing investment recommendations in respect of any transaction effected through the Online Mutual Funds platform, and you must not regard it or us as acting in that capacity. You should consult your own independent legal, tax and investment advisors before entering into any transaction via the Online Mutual Funds platform and only enter into a transaction if you have fully understood its nature, the contractual relationship into which you are entering, all relevant terms and conditions and the nature and extent of your exposure to loss.
    • Investment services:
    • Standard Chartered Bank does not provide any investment advisory services under the Wealth Proposition. Standard Chartered Bank in its capacity of a distributor of mutual funds or while referring any other third party financial products may offer advice which is incidental to its activity of distribution/referral. Standard Chartered Bank will not be charging any fee/consideration for such advice and such advice should not be construed as ‘Investment Advice’ as defined in the Securities and Exchange Board of India (Investment Advisers) Regulations, 2013 or otherwise. Mutual Fund Investments are subject to market risk. Read scheme related documents carefully prior to investing.
     

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