HDFC Bank International Branches List

HDFC Bank is one of the biggest private sector banks in India. It has a wide network spread across Indian cities and also on the global stage. Considering this, to fulfill the banking and financial requirements of both NRIs and businesses, HDFC Bank has established a network of international branches.

To help you out in this blog, we have mentioned the list of HDFC Bank international branches, along with their address, contact details, email addresses, and working hours. Additionally, also stated the benefits and drawbacks of using HDFC Bank along with the services offered by it and how to open an account in it. So read on and gather all the information. 

 International Presence of HDFC Bank

HDFC Bank, across 7 countries, operates 5 complete service international branches with 4 representative offices. The HDFC Bank branch outside India operates with a strategic focus on major financial regions and centres with significant populations of NRIs. 

Further, in October 2024, from a representative office, Singapore was upgraded to a full wholesale banking branch. It marked the most significant global expansion milestone of HDFC Bank. 

Additionally, unlike other banks, which have only "presence," HDFC Bank genuinely provides its banking services to NRIs overseas. Considering this, in March 2024, the international business of the HDFC Bank had a balance sheet size of $9.06 billion.

To provide you with an idea, here is the current international landscape of the bank:

Full-Service Branches (5 Locations)

• Dubai, UAE: Established hub for Gulf NRIs
• Hong Kong: Asia-Pacific operations center
• Gift City, Gujarat: For international banking services, an IFSC banking unit
• Bahrain: Handles the broader Middle East region

Representative Offices (4 Locations)

• Abu Dhabi, UAE: Assistance for Dubai operations
• Kenya: East Africa banking operations
• London, UK: Limited services, generally documentation
• Dubai: Additional representative office

So, this was all about the global presence of HDFC Bank. Moving ahead, let's know the country-wise list of HDFC Bank international branches. 

Country-Wise List of HDFC Bank International Branches

Here is the list of HDFC Bank international branches along with their address, contact details, email address, and working hours:

This was all about the list of HDFC bank branches outside India. Moving further, let's know the key advantages of using HDFC Bank for NRIs. 

Key Advantages for NRIs Using HDFC Bank Abroad

Here is the list of benefits of using HDFC Bank abroad for NRIs:

• You can easily transfer money, both in India and overseas, using your HDFC NRE savings account. Additionally, on deposits or interest earned on the deposits, you do not need to pay any taxes.
• Through the international HDFC debit card, you can simply make transactions from any country. 
• When opening an NRE savings account, you get the option to choose a nominee. Further, on your behalf, your nominee can make the transactions. 
• With an HDFC bank account, apart from regular banking services, you also get the facility of net banking and phone banking. Also, without being physically present in India, you can do the transactions.
• Additionally, with free email statements and InstaAlerts, you can check your monthly and annual bank activities.
• Further, through the HDFC mobile application, you can instantly and easily check your account balance, transfer funds, pay your bills, and more.
• The overseas branch staff understand the local tax regulations and DTAA benefits as per your resident country.
• For complex transactions, relationship management, and verification of documents, you can visit the HDFC international branch. This is essential when you require documents for opening an NRO account verified locally. 
• Another attractive bank feature offered by the HDFC Bank is that you can deposit your income in foreign currency and withdraw the amount in Indian rupees. This facility helps with currency fluctuations.
• Moreover, using your HDFC NRE savings account, you can invest in mutual funds, equities, SIPs, life insurance, and other offshore investments. 

So, these were some of the key advantages that NRIs get from using an HDFC account abroad. Moving ahead, let's know the limitations faced by NRIs while using the HDFC Bank abroad. 

Limitations of NRIs Using HDFC Bank Abroad

The limitations of HDFC Bank abroad are as follows:

• HDFC Bank branches outside India focus on basic banking. To get the best tax-free or NRI fixed deposits options, you need to look for other options. 
• With a traditional NRE and NRO fixed deposit account, you face rupee depreciation. 
• Most of the branches of HDFC bank, instead of 24/7 like digital platforms, operate at local banking hours.
• In comparison with digital-first platforms, international branches often charge higher prices for NRI accounts. 

These were some of the limitations that NRIs face while using the HDFC Bank international branches. Moving further, let's know the NRI banking services offered by the bank. 

Services Offered to NRIs at HDFC International Branches

Despite several limitations, HDFC provides a wide range of NRI banking services to individuals living overseas and in India. It includes banking, loans, and investments. Additionally, NRIs have access to use WhatsApp banking, mobile banking, or other online banking services of HDFC to fulfill their financial and banking needs. Further, to provide you with an idea, below we have mentioned the list of HDFC Bank international branches services offered to NRIs:

• HDFC NRE savings account
• HDFC NRO savings account
• FCNR Deposit accounts
• Fixed deposit account
• Online NRI account opening
• HDFC NRI Demat account
• HDFC Securities NRI trading account
• HDFC NRI investment plans
• NRI home loans

These were some of the key services offered by HDFC Bank overseas. Moving ahead, now let's know how to open an HDFC Bank account abroad. 

How to Open an HDFC Bank Account Overseas?

Here is how you can open an HDFC Bank account overseas online:

• Step 1: Visit the HDFC Bank NRI portal from the official site of the bank.
• Step 2: According to your financial and banking needs, choose from an NRE or NRO account.
• Step 3: Upload the requested documents. Generally, it includes:
  • An Indian passport with a valid visa
  • PAN card
  • Address proof of overseas
  • Initial deposit (varied by the international branch of the bank)
• Step 4: Video KYC call with the bank officials.
• Step 5: Courier the original documents to bank officials for verification.

Once the document verification is done, your bank account will be opened. Further, you will be able to use the bank account for all your financial and investment needs. 

Final Thoughts

Lastly, with HDFC Bank international branches, NRIs living in the above-stated countries can take several online banking services available in India, including opening NRE/ NRO accounts, tax filing, investment, and more. For traditional NRI banking requirements, the global branches of HDFC Bank perform well. 

Further, if you are facing issues in opening a bank account and looking for reliable NRI banking services, connect with Savetaxs. We have a team of experts by our side who can assist you in opening the right NRI bank account. Additionally, if you want, they can also help you with investment planning in India.