HDFC Bank has a small international footprint: five branches (four abroad plus one IFSC Banking Unit in GIFT City, India) and four representative offices. According to the bank’s own disclosure as of June 30, 2026, its overseas branches are in Bahrain, Dubai, Hong Kong and Singapore, and its representative offices are in Abu Dhabi, Dubai, London and Nairobi.
This HDFC Bank international branches list sets out each location, what type of office it is, and what kind of customer it mainly serves. That last point matters. A branch, a representative office, and a remittance partner are very different things, and not every overseas HDFC Bank location offers everyday banking.
Does HDFC Bank Have Branches Outside India?
Yes, but only a handful. HDFC Bank’s overseas branches are in four cities: Manama (Bahrain), Dubai (in the Dubai International Financial Centre, or DIFC), Hong Kong, and Singapore. Compare that with more than 9,600 branches inside India, and it is clear the bank’s international presence is built for specific markets rather than for walk-in retail banking everywhere.
These HDFC Bank foreign branches are regulated by the local authority in each country, not only by the RBI. Their licences often limit them to wholesale or professional clients, which is why many NRIs will never bank at one.
The bank also runs four representative offices abroad. These are liaison points, not branches, and they cannot accept deposits or lend money on their own. A fifth “international” branch, the IFSC Banking Unit, sits in GIFT City, Gujarat. It handles foreign currency business under India’s international financial centre rules, but it is physically in India.
There is no HDFC Bank branch in the USA, Canada, or Australia. NRIs in those countries bank with HDFC Bank online or through its India branches.
HDFC Bank International Branches and Overseas Locations
The table below lists every overseas location HDFC Bank officially reports, labelled exactly as the bank describes it.
| Location | Country | Type of presence | Regulator/licence | Main focus |
| Manama (Bahrain Financial Harbour) | Bahrain | Branch | Central Bank of Bahrain, conventional wholesale bank | Offshore deposits, NRI and corporate banking |
| Dubai (DIFC) | UAE | Branch | Dubai Financial Services Authority (DFSA) | Investment, credit and wealth-related services for eligible clients |
| Hong Kong (Harbour City, Kowloon) | Hong Kong SAR | Branch | Hong Kong Monetary Authority | Corporate, trade and treasury business |
| Singapore (Raffles Place) | Singapore | Branch (since October 2024) | Monetary Authority of Singapore, wholesale bank | MNCs, portfolio investors, wealth clients, trade partners; NRI home loan support |
| Dubai (Trade Centre Road, Bur Dubai) | UAE | Representative office | Liaison only | NRI account support and banking liaison |
| Abu Dhabi (Salam Street) | UAE | Representative office | Liaison only | NRI account support and banking liaison |
| London | UK | Representative office | Liaison only | Home loans for property in India |
| Nairobi (Parklands) | Kenya | Representative office | Liaison only | Customer liaison for Kenya-based clients |
| GIFT City, Gandhinagar | India | IFSC Banking Unit (IBU) | IFSCA | Foreign currency and offshore-style banking within India |
HDFC Bank International Locations by Country
Here are the same HDFC Bank overseas branches and offices grouped by region, with building-level locations. Contact names and phone numbers change often, so confirm current details on HDFC Bank’s official NRI “Locate Us” page before you visit.
Middle East
- Bahrain: Branch at Bahrain Financial Harbour, West Tower, 49th Floor, Building 1459, Road 4626, Manama. It is licensed as a conventional wholesale bank and is known for offshore deposit products.
- UAE, Dubai (DIFC): Branch at Al Fattan Currency House, Tower 2, Level 27, DIFC. Currently restricted from taking on new clients (see note above).
- UAE, Dubai (Bur Dubai): Representative office at Juma Al Majid Commercial Building, opposite BurJuman Centre, Trade Centre Road.
- UAE, Abu Dhabi: Representative office at Salam HQ Building, opposite Abu Dhabi Municipality, Salam Street.
Asia
- Hong Kong: Branch at Gateway Tower 1, Harbour City, Kowloon.
- Singapore: Branch at Singapore Land Tower, 50 Raffles Place. It was a representative office until it received a wholesale banking licence effective October 15, 2024.
Europe
- United Kingdom: Representative office in central London, focused on home loans for property in India.
Africa
- Kenya: Representative office at Park Suites, Parklands Road, Nairobi.
India (international banking unit)
- GIFT City, Gujarat: IFSC Banking Unit handling foreign currency business under the International Financial Services Centres Authority (IFSCA).
Services Available Through HDFC Bank Overseas Locations
HDFC Bank international services depend on the type of office and on local rules. A branch in one city may offer products that a branch elsewhere cannot, and a representative office offers none of the banking itself.
| Type of location | What you can typically get | What you usually cannot get |
| Overseas branch (Bahrain, Dubai DIFC, Hong Kong, Singapore) | Deposits, trade finance, treasury products, credit, investment-related services for eligible clients, as allowed by the local licence | Full retail banking for everyone; most licences are wholesale or limited to eligible clients |
| Representative office (Dubai, Abu Dhabi, London, Nairobi) | Information on NRI accounts, help with forms and documents, home loan support, liaison with HDFC Bank in India | Opening accounts on the spot, deposits, cash, loans booked locally |
| IFSC Banking Unit (GIFT City) | Foreign currency accounts and deposits, foreign currency lending and treasury under IFSC rules | Rupee-based retail banking |
On HDFC Bank’s NRI pages, you will also see exchange houses in the Gulf listed as remittance points. These are partner businesses, not HDFC Bank offices. They help you send money to an HDFC Bank account in India, and their services, fees, and hours are set by the partner.
If your main goal is sending money home, the route matters more than the office. Bank wires, exchange houses, and online platforms each differ in cost and speed, so it is worth comparing NRI money transfer options before you pick one.
HDFC Bank Services for NRIs in India and Abroad
Most HDFC Bank NRI services are delivered from India, not from the overseas branches. Your NRE, NRO or FCNR account is held with HDFC Bank in India, and you manage it through NetBanking, the mobile app, phone banking or any Indian branch when you visit.
The main NRI products listed on HDFC Bank’s NRI pages include:
- NRE and NRO savings and current accounts
- NRE, NRO and FCNR fixed deposits
- Inward money transfers from several regions
- Portfolio Investment Scheme (PIS) accounts, demat and mutual fund access
- Loans against NR deposits or securities, and NRI home loans
- UPI for NRIs on eligible accounts
Choosing between these starts with the account type. An NRE account holds money earned abroad and is freely repatriable, while an NRO account holds income earned in India. Understanding the basics of an NRI bank account in India helps you match the account to where your money comes from.
Moving money the other way is more regulated. Sending NRO funds abroad usually needs tax paperwork and is subject to annual limits, so read up on NRI money repatriation from India before you request a transfer.
Interest on NRO deposits is taxable in India, while NRE interest is generally tax-free for those who qualify as non-residents. The broader NRI tax rules in India decide what gets deducted and whether you need to file a return.
How to Find an HDFC Bank Branch Near You
If you search “HDFC Bank close to me”, the results depend on where you are. In India, a nearby branch or ATM is almost always within reach. Abroad, the nearest HDFC Bank location may be in another country, or there may be none at all.
The most reliable way to check is the bank’s own tools:
- In India: use the official HDFC Bank branch locator. Search by city, PIN code, or IFSC, or allow location access. Filters let you narrow results to ATMs, branches, home loan branches, demat-enabled branches, or branches with an Aadhaar Seva Kendra.
- Outside India: use the “Locate Us” section on HDFC Bank’s NRI banking pages. It lists overseas branches, representative offices, and remittance partners by country.
- On your phone: the HDFC Bank mobile app can also point you to nearby branches and ATMs in India.
Third-party “near me” websites often carry outdated addresses and hours. Use them as a starting point only, and confirm on the official locator.
HDFC Bank International Branch vs Representative Office
The difference comes down to one question: can the office do banking business itself? A branch can, within its licence. A representative office cannot.
| Point | International branch | Representative office |
| Legal status | Part of HDFC Bank, licensed by the host country’s regulator | Liaison office approved to promote and support the bank |
| Accepts deposits | Yes, within its licence | No |
| Gives loans | Yes, within its licence | No, but can help you apply for loans booked in India |
| Opens accounts | For eligible clients, as the licence allows | Can help with NRI account forms; the account is opened in India |
| Typical clients | Corporates, professional or wholesale clients, eligible individuals | NRIs and prospective customers looking for guidance |
| HDFC Bank examples | Bahrain, Dubai DIFC, Hong Kong, Singapore | Dubai, Abu Dhabi, London, Nairobi |
A third category adds to the confusion: remittance partners. Exchange houses in the Gulf that send money to HDFC Bank accounts are separate businesses. They are listed for convenience, not because HDFC Bank operates them.
If a website describes a representative office or an exchange house as an “HDFC Bank branch abroad”, treat the claim with care and check it against the bank’s own list.
What to Check Before Visiting an Overseas HDFC Bank Location
A short check before you travel can save a wasted trip:
- Type of office: confirm whether it is a branch or a representative office, and whether your task needs a branch at all.
- Who it serves: several HDFC Bank overseas branches serve only corporate, wholesale, or eligible professional clients. Ask whether they deal with individual or NRI retail customers.
- The service you need: call or email first to confirm they handle your request, such as document attestation, NRI account forms, or a home loan query.
- Current status: check for any regulatory restrictions. The Dubai DIFC branch, for example, is not onboarding new clients at the time of writing.
- Address and hours: confirm the latest address, working days, and hours. Weekends and public holidays differ by country, and hours may be shorter during Ramadan in the Gulf.
- Appointment: ask whether you need to book ahead. Small offices often work by appointment.
- Documents: carry your passport, visa or residence permit, proof of overseas address and your Indian account details if you already bank with HDFC Bank.
For many routine tasks, such as updating contact details, booking a deposit or transferring funds, NetBanking or phone banking will be quicker than a visit.
HDFC Bank International Branches FAQs
How many international branches does HDFC Bank have?
Four overseas branches (Bahrain, Dubai DIFC, Hong Kong and Singapore) plus an IFSC Banking Unit in GIFT City, India. It also has four representative offices in Abu Dhabi, Dubai, London, and Nairobi.
Does HDFC Bank have a branch in the USA, Canada or the UK?
There is no branch in the USA or Canada. In the UK, HDFC Bank has a representative office in London, mainly for home loans on Indian property, but no branch.
Does HDFC Bank have a branch in Dubai?
Yes. There is a branch in the DIFC and a separate representative office on Trade Centre Road. The DIFC branch is currently not taking new clients, so most new NRI customers in Dubai will deal with the representative office or the bank online.
Can I open an HDFC Bank NRI account at an overseas branch?
NRE and NRO accounts are held in India. You can apply online, at an Indian branch, or get help with the forms at a representative office.
Is the Singapore location a full branch?
It is a branch with a wholesale banking licence from the Monetary Authority of Singapore, effective October 15, 2024. It mainly serves corporates, investors, and wealth clients rather than walk-in retail customers.
Is the GIFT City IFSC Banking Unit an overseas branch?
No. It is located in Gujarat, India. It is treated as an international banking unit because it deals in foreign currency under IFSC rules.
Can I use my HDFC Bank debit card abroad?
Usually yes, once international usage is enabled. You can switch it on through NetBanking, the mobile app, or customer care before you travel.
Using HDFC Bank Overseas Services as an NRI
For most NRIs, HDFC Bank overseas services are a support layer, not the main way to bank. Your accounts, deposits, and investments sit in India, and nearly everything can be handled online or through an Indian branch.
An overseas location is worth visiting when you need something only a person can handle, such as help with forms, a home loan discussion, or document support. Before you go, confirm the office type, the clients it serves, and the exact service you need.
The same care applies to larger transactions tied to India. If you are selling a flat or plot, the sale proceeds, tax deductions, and transfer abroad each come with their own paperwork, and the rules on NRI property sale in India affect how and when you can move that money.
