RBL Bank GIFT Branch

About RBL Bank GIFT Branch

RBL GIFT Branch, is an overseas branch of RBL Bank, commenced operations in April 2017 and has been providing a wide range of Banking Services. The branch caters to the Indian and Global customer base, with a wide suite of products and services including Deposits, Loans and Advances, and Treasury Services.

About GIFT International Financial Services Centre (IFSC)

Gujarat International Finance Tec IFSC (GIFT IFSC) is established in the state of Gujarat and on the banks of the river Sabarmati. GIFT IFSC is a globally benchmarked International Financial Service Centre (IFSC) with International Financial Services Center Authority (IFSCA) as the Unified Regulator.

IFSC as envisaged in Indian context is a jurisdiction that provides financial services to non-residents and residents, to the extent permissible under the current regulations, in foreign currencies except Indian Rupee.

IFSC is designated as a location having the same eco system as an off-shore location, which is physically present on Indian soil. With proactive rules, competitive tax regime and a conducive legal system, the IFSC facilitates setting up Offshore Financial Services and is able to attract a substantial offshore business of Indian clients, which otherwise is transacted in locations such as Singapore, Dubai, Mauritius, Malaysia, Hong Kong, London, New York etc.

https://www.giftgujarat.in/

About IFSCA

IFSCA has been established as a unified financial regulator by the Government of India under the IFSCA Act, 2019 and is mandated to develop and regulate Financial Institutions, Financial Services and Financial Products in the International Financial Services Centre (IFSC) in India.

https://www.ifsca.gov.in/

Accounts and Deposits

Current Account

For entities operating in GIFT – IFSC
Offshore Entities
Eligible Onshore Entities
Indian Exporters’ Current Account

Savings Account

GIFT City for NRIs, PIOs & Foreign Nationals

Foreign Currency Savings Account & Fixed Deposit

GIFT City for Resident Indians

Foreign Currency Account under LRS

Special Non-Resident Rupee (SNRR) Account

For entities operating in GIFT – IFSC

Term Deposits

Regular Term Deposits
(With premature withdrawal facility)

For entities operating in GIFT – IFSC
Offshore Entities
Non-Resident Indians
Foreign Nationals

Non-Callable Term Deposits
(Without premature withdrawal facility)

For entities operating in GIFT – IFSC
Offshore Entities

Treasury Products

Currency Conversion (Cash/Tom/Spot)
Fx Forwards (Deliverable)
Non-Deliverable Forwards (NDF)
Interest Rate Swaps (IRS) & Cross Currency Interest Rate Swaps (CIRS)
Cross Currency Swaps (CCS) & Principal only Swaps (POS)

Loans and Advances

To Offshore Entities

Foreign Currency Term Loan
Foreign Currency Working Capital Loans
Bank Guarantees
Letters of Credit

To Onshore Entities

External Commercial Borrowings
Trade Finance Solution

Capital Market Products

Alternate Investment Funds via GIFT City

Savings Account

Global Edge FCY Savings Account (NRIs/PIOs and Foreign Nationals)
Global Advantage FCY Savings Account (Resident Individuals)

Interest Rates on Savings Accounts w.e.f. January 22, 2026:

Currency	Less than or Equal to 1 mio (<=1 mn)	More than 1 mio (>1 mn)
USD	4.75%	5.00%
GBP	3.50%	3.60%
EUR	1.75%	1.85%
AUD	2.50%	2.60%
AED	3.25%	3.35%
JPY	0.05%	0.05%

Note:

The interest in savings Bank Accounts is paid monthly. The interest is calculated daily and is credited to customers' account on the last day of each month.
Interest is calculated on ACT /360 days-count basis.
Payments requests received upto 3:30 pm IST processed the same day.
Inwards credits upto 5:30 pm IST processed the same day.

Regular Term Deposits (With premature withdrawal facility)

Attention of customers/public is invited on the changes in interest rates Fixed Deposits w.e.f. December 26, 2025:

	Currencies (Rate of Interest % per annum)
Tenor	USD	EUR	GBP	AUD	JPY	AED
7 days to 30 days	3.25%	2.00%	3.25%	2.90%	0.10%	3.20%
31 days to 90 days	3.60%	2.10%	3.40%	3.50%	0.40%	3.15%
91 days to 120 days	3.80%	2.20%	3.20%	3.25%	0.35%	3.40%
121 days to 180 days	3.80%	2.15%	3.10%	3.20%	0.30%	3.50%
181 days to 270 days	4.00%	1.65%	3.00%	3.15%	0.25%	3.10%
271 days to 364 days	4.00%	1.50%	3.00%	3.00%	0.25%	3.00%
12 months to less than 24 months	3.60%	1.50%	2.90%	2.50%	0.20%	2.80%
24 months to less than 36 months	3.40%	1.40%	2.60%	2.30%	0.15%	2.75%
36 months to less than 60 months	3.25%	1.25%	2.50%	2.00%	0.05%	2.65%
60 months	2.75%	1.10%	2.25%	1.90%	0.05%	2.60%

Note:

Term Deposits are acceptable for a minimum period of 7 days and maximum period of 5 years.
On pre-mature withdrawal of the deposit penalty would be charged at 100 bps or equivalent to contractual interest rate of the deposit  whichever is lower for the period of deposit. Please ask the Branch staff / Relationship Manager for more details.
Interest rates for Term Deposits are subject to change every month and as per the guidelines issued by regulators from time to time.
Applicable interest rates will be given as on the date of receipt of clear funds by the bank.
Not eligible for Resident Indians FCY account
Term Deposits requests received upto 5:00 pm IST processed the same day.

Non-Callable Term Deposits (Without premature withdrawal facility)

Attention of customers/public is invited on the changes in interest rates Fixed Deposits w.e.f. December 26, 2025:

Tenor	Non-Callable Deposit Rates (For All Customers)
Tenor	in USD Above USD 0.5mn up to USD 10mn	in EUR Above EUR 0.5mn up to EUR 10mn	in GBP Above GBP 0.5mn up to GBP 10mn
91 days to 120 days	3.85%	2.30%	4.00%
121 days to 180 days	3.90%	2.20%	4.10%
181 days to 270 days	4.05%	2.20%	4.20%
271 days to 364 days	4.05%	2.10%	4.05%
12 months to less than 24 months	3.80%	1.90%	4.00%
24 months to less than 36 months	3.60%	1.75%	3.75%
36 months to less than 60 months	3.50%	1.50%	3.50%
60 months	3.00%	1.40%	3.00%

Note:

Non-Callable Term Deposits are acceptable for a minimum period of 91 days and maximum period of 5 years and for a minimum amount  of USD 500,000.
No pre-mature withdrawal of the non-callable deposit is permitted. Please ask the Branch staff / Relationship Manager for more details.
Applicable interest rates will be given as on the date of receipt of clear funds by the bank.
Non-Callable Term Deposits is available for Offshore Entities and Entities operating in GIFT – IFSC.
Not eligible for Resident Indians FCY account
Non-Callable Term Deposits requests received upto 5:00 pm IST processed the same day.

Indian Exporters’ Current Account

Interest Rates on Indian Exporters’ Current Account w.e.f. March 13, 2026:

Currency	Rate of Interest
USD	2.65%
EUR	0.50%
AED	1.5%

Note:

The interest in current account of the exporter is paid on monthly basis. The interest is calculated daily and will be credited to customer account on last day of each month.
Interest is calculated on ACT/360 daily count basis.
Payments requests received upto 3:30 pm IST processed the same day.
Inwards credits upto 5:30 pm IST processed the same day.

Schedule of Charges Effective from October 20, 2025

Sr. No.	Segment & Description of Charges	Charges/Amount
1.1	Commitment Charge + Usance charges	Commitment 0.30% p.a. till expiry + Usance 0.40% per quarter or part thereof subject to a minimum of USD 200
1.2	LCs issued against 100% cash margin	Commitment 0.20% p.a. till expiry + Usance 0.30% per quarter or part thereof subject to a minimum of USD 100
1.3	Acceptance of overdrawn bills under LC	0.40% per quarter or part thereof
1.4	SWIFT Charges	USD 30
2	AMENDMENT
2.1	Extension of validity of L/C or Value Enhancement	0.40% per qtr. Or part thereof Subject to a Minimum of USD 100
2.2	Any other amendment (non-financial)	USD 50
2.3	Revival of expired LCs on receipt of documents under LC	Penal Rate of 0.40% per qtr. Or part thereof subject to a Minimum of USD 50 (charges should be recovered only for bill amount from LC expiry date till presentation date)
2.4	Draft LC issuance	USD 20 per draft of LC
3	COMMISSION ON IMPORT BILLS RECEIVED UNDER L/C
3.1	Bills received under L/C	0.125% Minimum USD 30 or as approved in the CAM/DN
4	DOCUMENTS RECEIVED UNDER L/C
4.1	Discrepancy charges	USD 75 or its equivalent per discrepant document to A/C of Beneficiary
5	MISCELLANEOUS
5.1	Untested Messages (MT 999) – SWIFT	USD 20
5.2	Courier Charges for Documents (International)	USD 20 PER COURIER
5.3	Courier Charges for Documents (Domestic) - Within India	USD 10 per courier
5.4	Custody charges for overdue bills	USD 10 per quarter or part thereof for each bill, if the bill is not paid within 10 days from the due date/date of presentation.
5.5	True Copy certification - Invoices/ LC Copy & Other Miscellaneous Certifications/ Duplicate Advice.	USD 10 Per document being certified. Maximum USD 100
5.6	Credit opinion report’s procurement	At actuals
6	Remittances
6.1	Remittance Outward (Client initiated – CHG OUR)	USD 20/EUR 20/GBP 20/JPY 2,000/SGD 20/AED 20/AUD 20
6.2	Remittance Outward (Client initiated – CHG BEN / SHA)	USD 5/EUR 5/GBP 5/JPY 5,000/SGD 5/AED 5/AUD 5
6.3	Remittance Outward (Bank initiated)	NIL
6.4	Inward Remittance	NIL
6.5	Certificates other than Annual Balance Confirmation	USD 10 per certificate
7	EXPORT BILLS for Collection (For bills sent on collection by the Bank/Overseas Buyer/Agent)
7.1	Both Foreign Currency and Rupee Export Bills lodgement & regularization Commission	0.0625% Minimum USD 50/EUR 50/GBP 50/JPY 5,000/SGD 50/AED 50/AUD 50
7.2	LC Advising	USD 50/EUR 50/GBP 50/JPY 5,000/SGD 50/ AED 50/AUD 50
7.3	Advising of LC amendment	USD 20/EUR 20/GBP 20/JPY 2,000/SGD 20/AED 20/AUD 20
7.4	Return of documents/Dishonour	USD 100/EUR 100/GBP 100/JPY 10,000/SGD 1000/AED 100/AUD 100
7.5	Overdue charges for Export Bills	USD 25 Per Month (After due date subject to condition that customer has not submitted extension of due date)
8	Import Bills
8.1	Import Advance/Direct Remittances	0.125% with a Minimum of USD 10/EUR 10/GBP 10/JPY 1,000/AED 10/AUD 10 and Maximum of USD 50/EUR 50/GBP 50/JPY 5,000/SGD 50/AED 50/AUD 50
8.2	Import Bills received directly by Importers from Overseas Suppliers/Bank.	0.125% with a Minimum of USD 10/EUR 10/GBP 10/JPY 1,000/AED 10/AUD 10 and Maximum of USD 50/EUR 50/GBP 50/JPY 5,000/SGD 50/AED 50/AUD 50
8.3	Swift Charges for Remittances	USD 20/EUR 20/GBP 20/JPY 2,000/SGD 20/AED 20/AUD 20
8.4	Dishonoured Import Bills/ Return Charges	USD 50/EUR 50/GBP 50/JPY 5,000/SGD 50/ AED 50/AUD 50
8.5	Issue of Delivery Orders (Bills under LC and Collection)	USD 20/EUR 20/GBP 20/JPY 2,000/SGD 20 AED 20/AUD 20
8.6	Overdue Charges of Import Bills	USD 25 Per Month (After due date)
9	Bank Guarantee/SBLC
9.1	SBLC / Guarantee Issuance	As Approved in CAM /DN or 0.50% per qtr. Or part thereof, subject to a minimum of Rs. USD 50
9.2	Amendment Charges	As applicable for issuance of BG subject to minimum of USD 50
9.3	Non-Financial Amendment	USD 50/EUR 50/GBP 50/JPY 5,000/SGD 50/ AED 50/AUD 50
9.3	SWIFT Charges	USD 30
9.4	SBLC/BG Advising Charges	USD 50
9.5	SBLC/BG Amendment Advising	USD 20
9.6	Credit Opinion Report Procurement	At actuals

Note:

Specific pricing conditions approved in Credit Approval Memo /captured in Disbursement Notice/ applicable to a specific product scheme shall supersede standard schedule of charges.
Stamp duty charges applicable in the respective states as per Government regulations from time to time will be recovered wherever applicable.
Payments requests received upto 3:30 pm IST processed the same day.
Inwards credits upto 5:30 pm IST processed the same day.

GIFT Branch Office address

RBL Bank Ltd. 705, 7th Floor, Hiranandani Signature, Block No. 13, Zone – 1, GIFT SEZ, GIFT City, Gandhinagar – 382355 Gujarat, India.
RBL Bank GIFT Branch: GIFTIBUBranch@rbl.bank.in
RBL Bank GIFT Service: giftcityservicedesk@rbl.bank.in

Belong (Betafront Financial Services Pvt Ltd)

RBL Bank has partnered with Belong (Betafront Financial Services Pvt Ltd), a regulated fintech platform for Non‑Resident Indians (NRIs), to offer USD Fixed Deposits through RBL Bank’s International Banking Unit (IBU) at GIFT City. Belong is an investment platform that provides global Indians seamless access to GIFT City–based financial products in foreign currency.

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