Chongqing Rural Commercial Bank Co., Ltd.
Chongqing Rural Commercial Bank Co., Ltd. (HKSE: 3618) is trading at HK$6.27, about ₹77 at today's HKD/INR rate, as of 25 Sep 2026, 4:08 AM ET, down 1.34% today. Indian residents can buy Chongqing Rural Commercial Bank from India on Paasa under the RBI's Liberalised Remittance Scheme.
Quote
Today's low
HK$6.21
Today's high
HK$6.31
52 week low
HK$5.62
52 week high
HK$7.30
3618 opened at HK$6.31, closed previously at HK$6.35, and has traded between HK$5.62 and HK$7.30 over the past 52 weeks.
About
Chongqing Rural Commercial Bank Co., Ltd., along with its subsidiaries, delivers a comprehensive array of banking and financial offerings throughout the People's Republic of China. Its operations are structured into three main divisions: Corporate Banking, Personal Banking, and Financial Market Operations. The Corporate Banking division is dedicated to serving businesses, government entities, and financial institutions. It provides a variety of financial solutions, including the acceptance of deposits, corporate lending, trade finance facilities, financial leasing, and other corporate advisory services. For individual clients, the Personal Banking segment extends a wide range of financial products and services. These encompass deposit accounts, personal loans, card services, wealth management solutions, and various other personal intermediary offerings. Within its Financial Market Operations, the bank actively participates in money market and repurchase transactions. It also undertakes investments in debt instruments, both for its proprietary accounts and on behalf of its clientele. The institution further enhances its services with digital banking platforms, such as mobile banking, online banking, and telephone banking. As of December 31, 2021, Chongqing Rural Commercial Bank boasted an extensive branch network totaling 1,760 locations. This comprehensive network included its head office and business department, 7 branches, 35 first-tier sub-branches, 134 second-tier sub-branches, 2 community sub-branches, and 1,580 branch offices. Additionally, it maintained 145 24-hour self-service banking centers. Founded in 1951 and headquartered in Chongqing, China, the bank was initially known as Chongqing Rural Credit Union. It adopted its current corporate identity as Chongqing Rural Commercial Bank Co., Ltd. in 2008.
Key statistics
Avg. volume
9.81M
Market cap
HK$71.15B
P/E Ratio
5.98
Price-to-sales ratio
1.65
Enterprise value
CN¥539.24B
Free cash flow yield
25.66%
Debt-to-equity ratio
3.73
Return on equity
9.36%
ROIC
0.72%
Beta
0.12
Dividend yield
4.83%
Last dividend
HK$0.36
Financial overview
Revenue
CN¥27.88B
Earnings per share
CN¥1.05
Free cash flow
CN¥16.97B
Net profit margin
27.51%
Gross margin
53.22%
EBITDA
CN¥14.59B
Revenue growth
-46.67%
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This is not an investment recommendation
How to buy Chongqing Rural Commercial Bank from India
Indian residents can buy Chongqing 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 Chongqing Rural Commercial Bank and place an order
Find Chongqing Rural Commercial Bank by name or by its ticker, 3618, and choose an order type. Many Hong Kong listings trade in board lots, so the smallest order is one lot rather than one share. Chongqing 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 Chongqing 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 Chongqing Rural Commercial Bank from India
Trading and taxes when buying Chongqing 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. Chongqing Rural Commercial Bank’s current yield is 4.83%.Dividend tax explained
Custody. Shares are held in your own name at Interactive Brokers, segregated from Paasa's own assets.
FAQs
Can Indian residents buy Chongqing Rural Commercial Bank stock?
Yes. Chongqing Rural Commercial Bank (3618) has been listed on the Hong Kong Stock Exchange since 2010, 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 Chongqing Rural Commercial Bank share cost in rupees?
One Chongqing Rural Commercial Bank share is HK$6.27 — about ₹77 at an HKD/INR rate of 12.25 on 24 Sep 2026. Both the Chongqing 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 Chongqing 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 Chongqing 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 Chongqing 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 Chongqing Rural Commercial Bank price. Paasa issues a capital-gains statement for your return.
Does Chongqing Rural Commercial Bank pay a dividend, and how is it taxed in India?
Yes. Chongqing Rural Commercial Bank pays a dividend and the current yield is 4.83%; the last declared dividend was HK$0.36 per share, about ₹4.41. 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 Chongqing 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 Chongqing Rural Commercial Bank a Hong Kong SAR China company, and does that change how it is taxed?
Chongqing Rural Commercial Bank trades on the Hong Kong Stock Exchange in HKD, but the company is domiciled in China. Chongqing Rural Commercial Bank trades as an ordinary share listed directly in Hong Kong, not a depositary receipt. Your India-side capital-gains treatment is the same either way.
Do I have to declare Chongqing 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 Chongqing Rural Commercial Bank holding, its cost and its closing value.
How do I sell Chongqing 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.