AF Applica Finance
Plan My Investments
19. International & Cross-Border Investing

Foreign Currency Deposits

Currency Investments

Bank deposits held in a foreign currency to hedge or speculate on exchange rates.

Risk Level
Medium ★★★☆☆
Liquidity
🟡 Medium
Min Investment
₹500
Ticket Size
₹500–₹5,000
Ideal Horizon
3–5 years
Region
Global

📈 Historical Returns (Indicative)

1 Year
8–15%
3 Years
9–13%
5 Years
9–12%
10 Years
9–12%
20 Years
9–12%

⚠️ Indicative historical ranges only. Past performance does not guarantee future results. Returns vary significantly across individual instruments.

🧮 XIRR Calculator — Foreign Currency Deposits

Enter your actual investment dates and amounts to calculate your personal annualised return (XIRR). Use negative values for money invested, positive for money received back.

✅ Pros & ❌ Cons

Advantages

  • ✅ Adds diversification to portfolio
  • ✅ Suitable for specific investor goals

Disadvantages

  • ❌ Requires due diligence before investing
  • ❌ Returns not guaranteed

🚀 How to Invest in Foreign Currency Deposits

  1. Visit your bank branch or use net banking / mobile app
  2. Compare rates: BankBazaar, Paisabazaar aggregator sites
  3. DICGC insurance covers up to ₹5 lakh per bank per depositor
  4. Senior citizens get 0.25–0.5% extra rate at most banks

💰 Tax Treatment (India)

Gains taxed as per applicable income tax slab or capital gains rules
Consult a tax advisor for your specific situation
Disclaimer: This page is for educational purposes only and does not constitute financial advice. Returns shown are indicative historical ranges and not guaranteed. Consult a SEBI-registered investment advisor before investing.
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