Guangzhou Rural Commercial Bank Co., Ltd.
Guangzhou Rural Commercial Bank Co., Ltd. (HKSE: 1551) is trading at HK$1.47, about ₹18 at today's HKD/INR rate, as of 23 Sep 2026, 6:08 AM ET, down 0.34% today. Indian residents can buy Guangzhou Rural Commercial Bank from India on Paasa under the RBI's Liberalised Remittance Scheme.
Quote
Today's low
HK$1.47
Today's high
HK$1.47
52 week low
HK$1.35
52 week high
HK$1.75
1551 opened at HK$1.47, closed previously at HK$1.47, and has traded between HK$1.35 and HK$1.75 over the past 52 weeks.
About
Guangzhou Rural Commercial Bank Co., Ltd., founded in 1952 and headquartered in Guangzhou, People's Republic of China, delivers a broad spectrum of banking and financial services. Operating through distinct segments—Corporate Banking, Retail Banking, and Financial Market Business—the institution caters to diverse client needs. For its retail customers, the bank provides a range of deposit options, including demand and time accounts, alongside various lending products such as personal consumption and residential mortgage loans, and credit card overdraft facilities. It further extends personal finance solutions, wealth management, and private banking services. Complementing these, it issues both debit and credit cards, facilitates payment collection, acts as an insurance agent, offers safe locker facilities, and provides advisory and attestation services. Fund and insurance asset trusteeship, cash management, and agency services for government bond issuance and underwriting are also part of its comprehensive offerings. Clients can conveniently access services via internet, telephone, SMS, mobile, and WeChat banking platforms. In the corporate realm, the bank supports businesses with financing for working capital, fixed assets, trade, and small to medium-sized enterprises (SMEs), in addition to finance leasing services. Its corporate financing portfolio includes short, medium, and long-term loans, investment banking expertise, and solutions for domestic and international settlements, alongside bill acceptance and discounting. The Financial Market Business segment actively participates in money market placements, various investment and repurchasing activities, foreign exchange transactions, and inter-bank placements. It also engages in the trading of government and financial bonds, and provides discounted bill services. As of December 31, 2021, Guangzhou Rural Commercial Bank maintained an extensive physical and digital presence. Its network comprised 635 outlets, including five key branches located in Foshan, Qingyuan, Heyuan, Zhaoqing, and Zhuhai provinces, along with twelve sub-branches and one sub-office. Digital access points featured 1,597 ATMs, 578 self-service inquiry terminals, 324 smart service terminals, and 250 smart banking outlets. Prior to its current name, the organization was known as Guangzhou Rural Credit Cooperative Unions.
Key statistics
Avg. volume
8.83K
Market cap
HK$21.11B
P/E Ratio
10.02
Price-to-sales ratio
0.54
Enterprise value
CN¥252.93B
Free cash flow yield
56.52%
Debt-to-equity ratio
3.09
Return on equity
2.25%
ROIC
0.12%
Beta
0.09
Dividend yield
3.60%
Last dividend
HK$0.05
Financial overview
Revenue
CN¥34.76B
Earnings per share
CN¥0.12
Free cash flow
CN¥7.49B
Net profit margin
6.37%
Gross margin
22.09%
EBITDA
CN¥2.18B
Revenue growth
-13.21%
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This is not an investment recommendation
How to buy Guangzhou Rural Commercial Bank from India
Indian residents can buy Guangzhou Rural Commercial Bank shares through Paasa in four steps. Funds leave India under the RBI's Liberalised Remittance Scheme and the shares are held in your own name with Interactive Brokers.
Open a Paasa account
Complete digital KYC with your PAN, Aadhaar and address proof. Your brokerage account is opened in your own name with Interactive Brokers.
Add funds under LRS
Transfer INR from your Indian bank account. Your bank reports the remittance under the RBI's Liberalised Remittance Scheme and converts it to US dollars and then to HKD.
Search for Guangzhou Rural Commercial Bank and place an order
Find Guangzhou Rural Commercial Bank by name or by its ticker, 1551, and choose an order type. Many Hong Kong listings trade in board lots, so the smallest order is one lot rather than one share. Guangzhou Rural Commercial Bank trades 7:00 am – 1:30 pm IST; orders can only execute during that window.
Track holdings and download tax reports
Follow your Guangzhou Rural Commercial Bank position in HKD and INR, and use Paasa's capital-gains and dividend statements when you file your Indian return.
Read the full guide: how to invest in Guangzhou Rural Commercial Bank from India
Trading and taxes when buying Guangzhou Rural Commercial Bank from India
Trading and limits
- Trading hours
- 9:30 am – 4:00 pm HKT
- LRS limit
- $250,000Per financial year, under the RBI's Liberalised Remittance Scheme.
Tax for Indian residents
- TCS on remittance
- 20%Collected by your bank on LRS remittances above ₹10 lakh in a financial year. The TCS is adjustable against your income-tax liability.Adjusting TCS against your tax
- Capital gains in India
- 12.5% or slab rateGains on shares held for more than 24 months are long-term and taxed at 12.5%. Gains on shares held for 24 months or less are short-term and taxed at your income-tax slab rate.Capital gains explained
- Dividends
- Slab rateDividends are taxed at your slab rate in India. Guangzhou Rural Commercial Bank’s current yield is 3.60%.Dividend tax explained
- Estate or inheritance tax
- May applyHong Kong has no estate duty.Estate tax explained
Custody. Shares are held in your own name at Interactive Brokers, segregated from Paasa's own assets.
FAQs
Can Indian residents buy Guangzhou Rural Commercial Bank stock?
Yes. Guangzhou Rural Commercial Bank (1551) has been listed on the Hong Kong Stock Exchange since 2017, in the Banks - Regional industry, and Indian residents can buy it through Paasa. You fund the account from your Indian bank under the RBI's Liberalised Remittance Scheme and the money is converted to US dollars and then to HKD. Shares are held in your own name at Interactive Brokers, segregated from Paasa's own assets.
How much does one Guangzhou Rural Commercial Bank share cost in rupees?
One Guangzhou Rural Commercial Bank share is HK$1.47 — about ₹18 at an HKD/INR rate of 12.23 on 26 Sep 2026. Both the Guangzhou Rural Commercial Bank price and the rupee rate move during the day, so the rupee cost changes with them.
What are the LRS and TCS rules for buying Guangzhou Rural Commercial Bank from India?
Remit up to $250,000 per financial year under the RBI's Liberalised Remittance Scheme (LRS). Banks collect 20% tax at source on LRS remittances above ₹10 lakh in a financial year; the TCS is adjustable against your income-tax liability. FX and the LRS declaration are handled by your bank when you fund your account.
What is the minimum I can buy of Guangzhou Rural Commercial Bank?
Many Hong Kong listings trade in board lots, so the smallest order is one lot rather than one share.
How are gains on Guangzhou Rural Commercial Bank shares taxed in India?
Hong Kong generally does not levy capital gains tax on non-resident individual investors for HKEX-listed stocks, so the tax is an India-side one. Gains on shares held for more than 24 months are long-term and taxed at 12.5%. Gains on shares held for 24 months or less are short-term and taxed at your income-tax slab rate. The gain is computed in rupees using the HKD/INR rate on the purchase and the sale date, so the rupee move counts alongside the Guangzhou Rural Commercial Bank price. Paasa issues a capital-gains statement for your return.
Does Guangzhou Rural Commercial Bank pay a dividend, and how is it taxed in India?
Yes. Guangzhou Rural Commercial Bank pays a dividend and the current yield is 3.60%; the last declared dividend was HK$0.05 per share, about ₹0.65. Dividends are taxed at your slab rate in India. Paasa's dividend report lists the gross dividend and any tax withheld for each payment.
When can I trade Guangzhou Rural Commercial Bank from India?
The Hong Kong Stock Exchange trades 7:00 am – 1:30 pm IST in Indian time. It also halts for lunch, 9:30 am – 10:30 am IST. Orders can only execute during that window.
Is there estate or inheritance tax on Guangzhou Rural Commercial Bank shares held from India?
Hong Kong has no estate duty.
Do I have to declare Guangzhou Rural Commercial Bank shares in my Indian tax return?
Yes. Foreign shares held on 31 March must be reported in Schedule FA of your Indian income-tax return. Paasa gives you a Schedule FA-ready statement listing your Guangzhou Rural Commercial Bank holding, its cost and its closing value.
How do I sell Guangzhou Rural Commercial Bank and bring the money back to India?
You sell during market hours (7:00 am – 1:30 pm IST) and the proceeds settle in HKD in your Paasa account. From there you can hold the balance, reinvest, or repatriate. Funds can be withdrawn in any currency to any bank account in your own name. Whether the sale is short- or long-term is decided by the 24-month holding period.