Professional Documents
Culture Documents
Option 2
AND
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)
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
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
If valid contract copy is available with If valid contract copy is currently not
the mariner available with the mariner
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
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
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
Important Note:
Minors can open only with the natural or Legal guardian.
Only one minor permitted on each account.
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.