Non-Resident Indian (NRI) Status

• Individuals residing outside India for more than 182 days in a financial year.
• Must qualify as NRI under FEMA guidelines.
• Includes those working, studying, or living abroad.
• Must hold Indian citizenship or be of Indian origin.
• Should provide proof of NRI status during application.

Persons of Indian Origin (PIO)

• Individuals with Indian ancestry but foreign citizenship.
• Must have held an Indian passport at any time.
• Parent or grandparent should have been a citizen of India.
• Eligible to open NRE, NRO, or FCNR accounts.
• Need to provide PIO documentation.

Overseas Citizens of India (OCI)

• Individuals registered as OCI cardholders by the Indian government.
• Granted similar rights as NRIs for banking purposes.
• Can open all types of NRI accounts.
• OCI card and passport copies required for verification.
• Must comply with RBI and bank-specific norms.

Seafarers and Mariners

• Individuals employed on foreign ships under valid contracts.
• Must be sailing under NRI status for more than 182 days.
• Proof of employment and NRI status is mandatory.
• PAN card and overseas address required.
• Bank may require declaration and shipping company letter.

Documentation and Legal Requirements

• Valid Indian passport and visa/residence permit.
• Proof of overseas address such as utility bills or bank statements.
• PAN card or Form 60 as per bank requirements.
• Passport-size photographs and completed application form.
• In-person or notarized verification as per bank policy.