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Documentation for NR Account Opening

NRI Account Opening Documentation

Face to Face Non Face to Face


{Cases where customer is met in person by bank
staff & all original documents are sighted and
attested by bank staff}

FATF Countries NON FATF


(See Annexure) Countries

Self attested copy of Valid Passport

Self attested copy of Visa / Status Proof Document Option 1


Copy of the following documents attested by Indian embassy
Self attested copy of Address Proof Document Copy of the following documents attested by Indian / consulate or overseas notary
embassy / consulate or overseas notary / banker
Email Address of all the applicants {see notes} Valid Passport
Valid Passport
Non English Declaration Valid Visa Valid Visa
Address Proof Document
Initial Pay in {see notes} Address Proof Document
OR

Option 2

Self attested copy of the documents listed above


along with any ONE additional document {see
annexure for list}

AND

Documentary proof to establish that the remitter of


initial pay in funds is the applicant himself
Visa Basics

Acceptance of E -VISA as a document:


NR accounts opened with an E-Visa are considered as an exception. No instant kits are to be issued and exception flag would
be marked by CPU on these accounts. Approval for account opening would be from ZH / Circle Head
No deliverables are issued by CPU initially.
Only after receipt of the passport immigration stamping page duly stamped with the visa would the deliverables be
dispatched. Alternatively the customer can provide a copy of the valid flight ticket.
This process does not apply to Australian E-Visa and Saudi Arabia exit and entry visa
Address Proof Document

It is mandatory to obtain the overseas and the Indian address on the account opening form. However proof needs
to be submitted for any one of them (preferably the one at which the customer is residing currently)
Address proof (Indian)
Valid passport
Driving license
Voter’s ID
Job card issued by NREGA
Aadhaar card or Letter issued by UIDAI – should contain name, photograph and Aadhaar number and address
(applicable only for face to face cases)

Address proof (Overseas)


Valid passport
Overseas Driving license
Utility bill (electricity/telephone/post-paid mobile/piped gas/water bill) not more than 2 months old
Property tax receipt
Bank account/credit card statement (not more than 3 months old)
Pension or Family Pension Payment Orders
Letter of allotment of accommodation / leave & License agreements allotting official accommodation from
employer*
Document issued by Govt Dept of Foreign jurisdiction
Letter issued by foreign embassy or mission in India.
This declaration is required in all cases where the customer submits a document in a foreign language
other than English
The customer to do a hand written translation of all the relevant information on the non English
document (e.g. customers name, address, type of document, validity etc)
Translation of only the non English content is acceptable
Atleast one document provided by the customer has to be in English apart from the passport.
Status Proof Document

For Indian Passport holder: Photocopy of valid employment / residence / student /dependent visa or Work / Residence permit copy
For Foreign Passport holder: Photocopy of OCI / PIO card / PIO declaration

Kindly note that the below table is NOT an exhaustive list

Visa / Common Status Proof


Country Category of Visa Description Nature
document
B1 Business Visa Temporary visit like conference/meeting/trade show etc

Temporary trips as tourist/ functions/medical treatment


B2 Tourist Visa
etc
Degree /diploma/ certificate course (validated with self
attested copy of Admission Letter from the University or
F1 Academic Student
Self-attested photocopy of the Identity Card issued to
him by the University)
F2 Dependent Of F1
M1 Technical Or Vocational Student On vocational training
Non-Immigrant
M2 Dependent Of M1
USA Visa
J1 Exchange Visitors Professors/Doctors/Research students
J2 Dependent Of J1
H1B Temporary Work Visa -Professionals Professionals in speciality occupations
H2A Temporary Work Visa -Agriculture Temporary Agricultural visa
H2B Temporary Work Visa -Others Other temporary workers
H3 Temporary Work Visa -Trainees Trainees
H4 Dependent Of "H" Type Visa
Validated by copy of employment contract/ company
L1 Intra Company Transferees
letter / latest salary slip.
L2 Dependent Of L1
Immigrant Visa Green Card Permanent Visa Can permanently reside and work in USA
Visitor Visa Tourist/Business Purpose Temporary trips as tourist/ functions/businessman etc

Non-Immigrant Course of study in approved institution (validated with


Visa self attested copy of Admission Letter from the University
Student Visa Student
or Self-attested photocopy of the Identity Card issued to
Canada him by the University)
Work Visa Employment Employment authorization required from employer
Person sponsored by permanent resident/citizen of
Family Based Permanent Visa
Immigrant Visa Canada
Business Or Skill Based Permanent Visa Independent immigrants/business immigrants
Visitor Visa Tourist/Business/Medical Purpose Temporary trips as tourist/ functions/businessman etc
Non-Immigrant
Student Visa Student Full time course in university in UK
Visa
Work Visa Employment Work Permit is a pre-requisite barring a few exceptions
UK
Family Based Permanent Visa Person sponsored by permanent resident/citizen of UK
Immigrant Visa
Businessmen/Investors/Retired person with independent
Business/Invest/Retirment Permanent Visa
means/dependents of above 3
Country Category of Visa Visa Description Nature
Valid for one year and can stay upto 3 months on each
Visitor Visa Short Stay Tourist Visa(Short Validity)
arrival
Valid for four years and can stay upto 3 months on each
Short Stay Tourist Visa(Long Validity)
arrival
Non-Immigrant Valid for four years and can stay upto 6 months on each
Australia Long Stay Tourist Visa (Long Validity)
Visa arrival
Business Visa Temporary Business Visa(Short Stay) stay upto 3 months
Medical Visa Sub-Class 375 Period of 3 months
Sub-Class 385 Period of more than 3 months
Student Visa Student Full-time course of study
UAE Visa
Kuwait Visa
Oman Visa
Bahrain Visa
Japan Visa
Kenya Visa
Singapore IC Card {Resident ID Card}
Malaysia MYKAD {Resident ID Card}
Hongkong Permanent ID Card
Can open NR
A/c ?
No

No

Yes

Yes
No
No
No
No
Yes
No
No
No
Yes
Yes
Yes
Yes
No

Yes

Yes
Yes
Yes
No
Yes
Yes

Yes

Yes
Can open NR
A/c ?
No

No

No
No
No
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Status Proof Document for Saudi based NRIs

Face to Face Non Face to Face


{Cases where customer is met in
person by bank staff & all original
documents are sighted and attested by
bank staff}

Copy of IQAMA attested by indian


Self Attested Copy of Exit / Re-entry
embassy / consulate or overseas notary
Visa
Saudi Declaration
Saudi Declaration
Status Proof Document for Mariners

If valid contract copy is available with If valid contract copy is currently not
the mariner available with the mariner

Self attested copy of pages of


Self attested copy of pages of
Continuous Discharge Certificate {CDC}
Continuous Discharge Certificate {CDC}
Self attested copy of the immediate
Self attested copy of the valid Contract
previous contract

Mariner's declaration
Mariner's Declaration
List of FATF countries
Additional Document
Any one of the below can be collected:
A self signed cheque drawn on a bank account abroad.
Cancelled paid cheque drawn on a bank abroad showing the signature, bank name, account number etc.
Letter from university abroad (in case of NRI Students)
Photocopy of student ID card (in case of NRI Students)
Original letter issued by a company specifying the purpose of the letter as account opening. Letter should not be
more than 3 months old from date of ac opening
Photocopy of appointment letter issued by employer overseas
Photocopy of rent agreement with utility bill in Landlord’s name
Any document having address as discussed in the earlier section
Note - The additional document should be any of the above stated documents but different from the document
that has already been submitted as proof of address
This additional document can also be submitted in case of Face to Face account opening in case of incomplete
address on address proof / single name cases
Notes:
Email ID
Branches to insist on email id for all applicants. In the absence of email id, BM will have to specifically make an annotation on the form; next to the email section. This is similar to the annotation
made for no nomination. In case second applicant is a resident customer then email id / BM specific annotation is not mandatory

Account Opening with Cash Initial Pay In / Nil Initial Pay In


In case the customer opens the account with cash or without initial pay-in then the documents need to be attested by the AOD approving authority as “signed in my presence”
In case a bank account statement in original & also self attested by client is submitted along with account opening form then the requirement of an initial pay-in cheque is not mandatory &
account can open under regular status.
In all other cases of NIL initial pay-in the below process needs to be followed.
The account will be opened in 'no debit' status, hence debits shall stand frozen.
The debit freeze shall be removed after the branch/sourcing channel provides the proof to CPU as detailed below that the 1st credit has been received from the customer‟s own account (Either
overseas/ NR account).
These details need to be provided by the branch/sourcing channel in the format specified in Annexure 8. {provided separately}

In case of non face to face account opening for a customer residing in a non FATF country with nil IP...
The account will be opened in no debit status AND...

The block shall be removed after the branch/sourcing channel provides the proof to CPU that the IP has been received from the customer’s own account

Documentation for Minors - Additional points


Photocopy of the pages of the passport containing passport details and personal details of the minor as well as the guardian

Copy of valid Visa of the minor as well as the guardian

In case the guardian's name is not mentioned on the passport copy, a copy of the birth certificate with the guardian's name to be provided

Guardian to sign the a/c opening form twice , once on behalf of the minor and once as the guardian

Mailing address proof of Guardian

Important Note:
Minors can open only with the natural or Legal guardian.
Only one minor permitted on each account.

Documentation for Joint Accounts - Additional Points


In case of Joint Account holder(s) one ID document is required. The following documents can be obtained as acceptable ID proof for the joint applicant(s):

A. Joint Account Holder is NRI:


Photocopy of the pages of the passport containing passport details & personal details of all applicants
Photocopy of valid visa / work permit or any other proof of NRI status as laid down

B. Joint Account Holder is Resident Indian (applicable to both NRE and NRO) - In case of NRE accounts the mode of operation will be Former or Survivor. The account is to be operated only by
the NRI for all credits, the second applicant can operate the account only in case of death of the first applicant
In case of resident joint holders the documents as applicable for resident individuals would need to be collected.

The 'close relative declaration' provision is available for NR accounts also