HSBC India cross-border disclaimer

Please refer to the disclosure for the country where you are currently located (even if you are a resident of and/or hold an HSBC account in a different location). Note that countries will only have a disclaimer where this is required and therefore your country location may not appear on this list:

Bahrain

When providing information:

This communication is sent to the addressee for his / her information only and is not intended to be distributed to the general public in the addressee’s country of residence. The addressee notes, acknowledges and understands that the addresser established in the addresser’s country of residence is not licensed under the laws of the addressee's country of residence and is, therefore, not subject to supervision or regulation by the local regulator at the addressee's country of residence. None of the products and services of the addresser have been approved or registered with the local regulator.

When providing contractual documents:

The Bank licensed in India hereby confirms that it is not licensed, supervised or regulated by the Central Bank of Bahrain nor are any of its products and/or services approved or registered with the Central Bank of Bahrain. Any and all services to be provided by the Bank shall be provided outside of Bahrain.

Brazil

The present communication is intended to be received by its addressee only and does not, in any manner, constitute a public offering or advertisement of the products or services referred to herein. The addresser established in India is not licensed under the laws of the addressee's country of residence and is, therefore, not subject to supervision of the local regulator in the addressee's country of residence. None of the products and services of the addresser have been approved by or registered with the local regulator and the assets of the addressee are booked outside of the addressee’s country of residence.

Canada

Contracts and forms signed in Canada are not valid until accepted and approved by The Hongkong and Shanghai Banking Corporation Limited, a company incorporated under the Companies Ordinance of the Hong Kong Special Administrative Region (HKSAR), having its registered office at 1, Queen's Road Central, Hong Kong and its India corporate office at 52/60 Mahatma Gandhi Road, Fort, Mumbai 400 001 (HSBC India) outside of Canada.
Acceptance and approval will be communicated by post (subject to the standard correspondence instructions); and any oral agreements will be conclusively binding upon written acceptance by HSBC India outside of Canada, a confirmation of which will be sent by post (subject to the standard correspondence instructions).

Chile

The present communication is intended to be received by its addressee only and does not, in any manner, constitute a public offering or advertisement of the products or services referred to herein. The addresser established in India is not licensed under the laws of the addressee's country of residence and is, therefore, not subject to supervision of the local regulator in the addressee's country of residence. None of the products and services of the addresser have been approved by or registered with the local regulator and the assets of the addressee are booked outside of the addressee’s country of residence.

China

When sending servicing documentation only:

This bank documentation has been sent at your request. It does not constitute an offer and the contract will only be concluded by acceptance of this documentation outside of China.

Egypt

When providing information in writing for bank accounts and lending:

The present communication is intended to be received by its addressee only and does not, in any manner, constitute a public offering or advertisement of the products or services referred to herein. The addresser established in the addresser’s country of residence is not licensed under the laws of the addressee's country of residence and is, therefore, not subject to supervision of the local regulator in the addressee's country of residence. None of the products and services of the addresser have been approved or registered with the local regulator and the assets of the addressee are booked outside of the addressee’s country of residence.

When providing information in writing for investment accounts/services:

The securities or other investment products referred to in this communication or in connection with this communication are not listed on the Egyptian Stock Exchange (“EGX”) or offered or sold to the public in Egypt and they have not been and will not be registered with the Financial Regulatory Authority (“FRA”). No offer, sale or delivery of such securities or other investment product, or distribution of any prospectus relating thereto, may be made in or from Egypt except in compliance with any applicable Egyptian laws and regulations. The securities may not be offered or sold in any form of general solicitation or general advertising or in a public offering in Egypt, without the prior approval of the FRA.

Hong Kong

We The Hongkong and Shanghai Banking Corporation Limited, a company incorporated under the Companies Ordinance of the Hong Kong Special Administrative Region (HKSAR), having its registered office at 1, Queen's Road Central, Hong Kong and its India corporate office at 52/60 Mahatma Gandhi Road, Fort, Mumbai 400 001 (HSBC India) are not an authorized institution under the Hong Kong Banking Ordinance and are therefore not subject to the supervision of the Hong Kong Monetary Authority. The information we are providing you with is provided at your request and does not constitute an advertisement or invitation by us to you to make a deposit or an invitation or offer to enter into any agreement to make a deposit.
This bank documentation/information does not constitute an offer by HSBC India and this contract will only be concluded by acceptance of this documentation/your application in the territory of HSBC India.

HSBC India has assets and liabilities of INR M 4,819,108, each, as of 31 March 2026. The interest rate offered by HSBC India on deposits is variable and subject to periodic revision. Please refer to HSBC India’s website and official communications for the most current rates.

When providing information in writing on bank accounts and lending:

The present communication is made following the addressee's specific request. The addresser has not solicited the addressee or otherwise offered or marketed to the addressee the products and services to which this communication refers. This communication is sent to the addressee for his / her information only and is not intended to be distributed to the general public in the addressee’s country of residence. The addressee notes, acknowledges and understands that the addresser established in India is not licensed under the laws of the addressee's country of residence and is, therefore, not subject to supervision or regulation by the local regulator at the addressee's country of residence. None of the products and services of the addresser have been approved or registered with the local regulator.

When providing information in writing for investment accounts/services:

The present communication is made following the addressee’s specific request without any prior solicitation with respect to the information provided in the communication. This communication is sent to the addressee for his / her information only and is not intended to be distributed to the general public at the addressee’s country of residence.

The information contained in this communication or in connection with this communication does not, and is not intended to constitute or form a part of any offer, invitation to offer or solicitation to subscribe, purchase or sell any security or other investment products or investment services, nor does it constitute or form part of any recommendation by the addresser, to subscribe, purchase or sell any security or other investment products or investment services. The information contained in this communication does also not constitute an invitation to enter into a transaction and for the avoidance of doubt, any information or documents provided in connection hereto shall not be construed as such.

When providing account opening documentation:

The present agreement will be concluded and, therefore, come into effect, upon the acceptance and signature by HSBC India’s representative(s) at its domicile.

Indonesia

These forms are provided at your request and do not constitute an offer or invitation by us to make a deposit or enter into any agreement with you.

Kuwait

The present communication is intended to be received by its addressee only and does not, in any manner, constitute a public offering or advertisement of the products or services referred to herein. The addresser established in India is not licensed under the laws of the addressee's country of residence and is, therefore, not subject to supervision of the local regulator in the addressee's country of residence. None of the products and services of the addresser have been approved by or registered with the local regulator and the assets of the addressee are booked outside of the addressee’s country of residence.

Lebanon

This information is provided at your request. If you are entering into a new contractual agreement, this will only be completed on acceptance by The Hongkong and Shanghai Banking Corporation Limited, a company incorporated under the Companies Ordinance of the Hong Kong Special Administrative Region (HKSAR), having its registered office at 1, Queen's Road Central, Hong Kong and its India corporate office at 52/60 Mahatma Gandhi Road, Fort, Mumbai 400 001 (HSBC India) of any contractual documentation and instructions pursuant to the contract outside of the Lebanon. HSBC India is not a financial institution licensed in the Lebanon.

Luxembourg

The present communication is made following the addressee's specific request. The addresser has not solicited the addressee or otherwise offered or marketed to the addressee the products and services to which this communication refers. This communication is sent to the addressee for his / her information only and is not intended to be distributed to the general public in the addressee’s country of residence. The addressee notes, acknowledges and understands that the addresser established in India is not licensed under the laws of the addressee's country of residence and is, therefore, not subject to supervision or regulation by the local regulator at the addressee's country of residence. None of the products and services of the addresser have been approved or registered with the local regulator.

Malaysia

When sending documentation for signature, for banking or insurance services:

The present communication is made following the addressee's specific request. The addresser has not solicited the addressee or otherwise offered or marketed to the addressee the products and services to which this communication refers. This communication is sent to the addressee for his / her information only and is not intended to be distributed to the general public in the addressee’s country of residence. The addressee notes, acknowledges and understands that the addresser established in India is not licensed under the laws of the addressee's country of residence and is, therefore, not subject to supervision or regulation by the local regulator at the addressee's country of residence. None of the products and services of the addresser have been approved or registered with the local regulator.

When sending documentation for signature, for investment products and services:

The present communication is made following the addressee’s specific request without any prior solicitation with respect to the information provided in the communication. This communication is sent to the addressee for his / her information only and is not intended to be distributed to the general public at the addressee’s country of residence.

The information contained in this communication or in connection with this communication does not, and is not intended to constitute or form a part of any offer, invitation to offer or solicitation to subscribe, purchase or sell any security or other investment products or investment services, nor does it constitute or form part of any recommendation by the addresser, to subscribe, purchase or sell any security or other investment products or investment services. The information contained in this communication does also not constitute an invitation to enter into a transaction and for the avoidance of doubt, any information or documents provided in connection hereto shall not be construed as such.

This communication is not intended to provide and should not be relied upon for tax, legal or accounting advice or investment recommendations. The addressee of this communication should consult his / her tax, legal, accounting or other advisers (as appropriate) about the content discussed and assess the relevant terms contained in this communication. The addressee should make his/her own research of the relevant terms in the material and it is up to the addressee to make a decision whether to act upon the material or not.

This communication has not been reviewed, authorised or approved by the regulatory authority of the addressee’s country of residence. The addressee is not authorised to deliver, circulate, or distribute this document, or any other documents and materials in connection with a transaction, whether directly or indirectly, electronically or otherwise, to the general public or to any particular members of the public in the addressee’s country of residence.

Qatar

The present communication is intended to be received by its addressee only and does not, in any manner, constitute a public offering or advertisement of the products or services referred to herein. The addresser established in the addresser’s country of residence is not licensed under the laws of the addressee's country of residence and is, therefore, not subject to supervision of the local regulator in the addressee's country of residence. None of the products and services of the addresser have been approved by or registered with the local regulator and the assets of the addressee are booked outside of the addressee’s country of residence.

Singapore

This communication does not constitute an offer by the Bank to make available, solicit, issue an invitation to purchase or offer for purchase any securities or offer any services in Singapore.

Spain

The present communication is made following the addressee's specific request. The addresser has not solicited the addressee or otherwise offered or marketed to the addressee the products and services to which this communication refers. This communication is sent to the addressee for his / her information only and is not intended to be distributed to the general public in the addressee’s country of residence. The addressee notes, acknowledges and understands that the addresser established in India is not licensed under the laws of the addressee's country of residence and is, therefore, not subject to supervision or regulation by the local regulator at the addressee's country of residence. None of the products and services of the addresser have been approved or registered with the local regulator.

Sri Lanka

When providing information on banking or lending products:

The bank is not licensed by the Monetary Board of the Central Bank of Sri Lanka. This information is provided at your request and does not constitute an offer or invitation to make a deposit or enter into any agreement with you.

When providing information on investment products and/or services:

The bank is not licensed by the Monetary Board of the Central Bank of Sri Lanka. This information is provided at your request and does not constitute an offer or invitation to make a deposit or enter into any agreement with you. We understand that you are exempt from foreign exchange restrictions and have not violated the Foreign Exchange Act by placing any investment orders.

Thailand

When providing information on banking or lending products:

The present communication is made following the addressee's specific request. The addresser has not solicited the addressee or otherwise offered or marketed to the addressee the products and services to which this communication refers. This communication is sent to the addressee for his / her information only and is not intended to be distributed to the general public in the addressee’s country of residence. The addressee notes, acknowledges and understands that the addresser established in Thailand is not licensed under the laws of the addressee's country of residence and is, therefore, not subject to supervision or regulation by the local regulator at the addressee's country of residence. None of the products and services of the addresser have been approved or registered with the local regulator.

When providing documentation on investment products and/or services:

The present communication is made following the addressee’s specific request without any prior solicitation with respect to the information provided in the communication. This communication is sent to the addressee for his / her information only and is not intended to be distributed to the general public at the addressee’s country of residence.

The information contained in this communication or in connection with this communication does not, and is not intended to constitute or form a part of any offer, invitation to offer or solicitation to subscribe, purchase or sell any security or other investment products or investment services, nor does it constitute or form part of any recommendation by the addresser, to subscribe, purchase or sell any security or other investment products or investment services. The information contained in this communication does also not constitute an invitation to enter into a transaction and for the avoidance of doubt, any information or documents provided in connection hereto shall not be construed as such.

This communication is not intended to provide and should not be relied upon for tax, legal or accounting advice or investment recommendations. The addressee of this communication should consult his / her tax, legal, accounting or other advisers (as appropriate) about the content discussed and assess the relevant terms contained in this communication. The addressee should make his/her own research of the relevant terms in the material and it is up to the addressee to make a decision whether to act upon the material or not.

This communication has not been reviewed, authorised or approved by the regulatory authority of the addressee’s country of residence. The addressee is not authorised to deliver, circulate, or distribute this document, or any other documents and materials in connection with a transaction, whether directly or indirectly, electronically or otherwise, to the general public or to any particular members of the public in the addressee’s country of residence.

Türkiye

When providing information in writing on banking or lending products:

The present communication is made following the addressee's specific request. The addresser has not solicited the addressee or otherwise offered or marketed to the addressee the products and services to which this communication refers. This communication is sent to the addressee for his / her information only and is not intended to be distributed to the general public in the addressee’s country of residence. The addressee notes, acknowledges and understands that the addresser established in Thailand is not licensed under the laws of the addressee's country of residence and is, therefore, not subject to supervision or regulation by the local regulator at the addressee's country of residence. None of the products and services of the addresser have been approved or registered with the local regulator.

When providing information in writing on investment products and/or services:

No information in this communication is provided for the purpose of offering, marketing and sale by any means of any banking services and/or capital market instruments /services in the Republic of Türkiye. Therefore, this document may not be considered as an offer made or to be made to residents of the Republic of Türkiye. The products and services referred to in this communication are not products or services authorised / approved by the Banking Regulation and Supervision Agency under the Banking Law (Law No. 5411) or by the Capital Market Board under the Capital Market Law (Law No. 6362) and do not intend to serve as products /services in the Republic of Türkiye. Neither this communication nor any other offering material related to the offering may be utilised in connection with any offering to the public within the Republic of Türkiye without the prior approval of the Capital Market Board of Türkiye. However, pursuant to Article 15 (d) (ii) of the Decree No. 32 there is no restriction on the purchase or sale of the underlying investment product by residents of the Republic of Türkiye, provided that: they purchase or sell such underlying investment product in the financial markets outside of the Republic of Türkiye.

UAE

This information is provided at your request and does not constitute an offer or invitation by us to make a deposit or enter into any agreement with you. If you are entering into a new contractual agreement, this will only be completed on acceptance by The Hongkong and Shanghai Banking Corporation Limited, a company incorporated under the Companies Ordinance of the Hong Kong Special Administrative Region (HKSAR), having its registered office at 1, Queen's Road Central, Hong Kong and its India corporate office at 52/60 Mahatma Gandhi Road, Fort, Mumbai 400 001 (HSBC India) of any contractual documentation outside the UAE. HSBC India is a branch of The Hongkong and Shanghai Banking Corporation Limited. The Hongkong and Shanghai Banking Corporation Limited has a Representative Office in the UAE licenced by the Central Bank of the United Arab Emirates.

UK

For digital channels:

The deposit is being taken by The Hongkong and Shanghai Banking Corporation Limited,a banking Company incorporated under the Companies Ordinance of the Hongkong Special Administrative Region (HKSAR), having its registered office at 1, Queen’s Road Central, Hongkong, having its India Corporate Office at 52/60, Mahatma Gandhi Road, Fort, Mumbai - 400 001 (HSBC India). HSBC India is regulated for any deposit taking business by Reserve Bank of India. If you have a complaint about our deposit taking business, which cannot be resolved to your satisfaction by ourselves, then you may be able to refer this to Grievance Redressal Mechanism of the Bank. Your deposit may be guaranteed under Deposit Insurance and Credit Guarantee Corporation (DICGC), which covers most types deposit-taking business in the instance that we cannot meet our obligations. 

For non-digital channels:

The deposit is being taken by The Hongkong and Shanghai Banking Corporation Limited, a banking Company incorporated under the Companies Ordinance of the Hongkong Special Administrative Region (HKSAR), having its registered office at 1, Queen’s Road Central, Hongkong, having its India Corporate Office at 52/60, Mahatma Gandhi Road, Fort, Mumbai - 400 001 (HSBC India). HSBC India is regulated for any deposit taking business by Reserve Bank of India. If you have a complaint about our deposit taking business, which cannot be resolved to your satisfaction by ourselves, then you may be able to refer this to Grievance Redressal Mechanism of the Bank. Your deposit may be guaranteed under Deposit Insurance and Credit Guarantee Corporation (DICGC), which covers most types of deposit-taking business in the instance that we cannot meet our obligations.

HSBC India has paid up capital and reserves of INR M 550,382 as at 31 March 2026.

Venezuela

The present communication is intended to be received by the recipient only and does not, in any manner, constitute a public offering or advertisement of the products or services referred to herein. The addresser established in India is not licensed under the laws of the addressee's country of residence and is, therefore, not subject to supervision of the local regulator in the addressee's country of residence. None of the products and services of The Hongkong and Shanghai Banking Corporation Limited, a banking Company incorporated under the Companies Ordinance of the Hongkong Special Administrative Region (HKSAR), having its registered office at 1, Queen’s Road Central, Hongkong, having its India Corporate Office at 52/60, Mahatma Gandhi Road, Fort, Mumbai - 400 001 (HSBC India) have been approved by or registered with the local regulator and the assets of the addressee are booked outside of the addressee’s country of residence.