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Eligibility and Documents required for opening an NRI Savings Account

 

You can open an NRE/NRO Account if you meet the following criteria:

 

  • You are at least 18 years old. NRI minors between 1 day and 18 years of age can open the account under guardianship.

  • You are an OCI, NRI, PIO, or their spouse.

  • You are an Indian citizen sent abroad by the Government of India or a Public Sector Undertaking.
 

Note: You must maintain a minimum monthly average balance as per your chosen account variant. Failure to do so may result in a non-maintenance charge.

 

Required Documents

If applying from India or overseas, submit self-attested photocopies of:

 

  • Passport: First and last four pages (including name, address, date of birth, date/place of issue, expiry date, photograph, and signature).

  • Valid work/employment/residence visa or permit.

  • PAN Card or Form 60

    • PAN or Form 60 is mandatory for all NRI customers

    • PAN to be verified from the issuing authority (NSDL)

    • PAN acknowledgement number is mandatory in Form 60, if Indian income (non-agricultural) is above threshold limit of INR 4 lakhs

Note: PAN is mandatory for the customer holding Indian Passport.


  • FATCA/CRS Declaration with Tax Identification number (TIN)/ Functional Equivalent (FE)

  • CKYC Annexure

  • Address proof – View full list here.

 

Additional Requirements (for overseas applications only):

 

  • Documents must also be attested by a Banker, Notary, Embassy, or Consulate official.

  • Initial funding must be done from a self-KYC-compliant account via:

    • Cheque (Signatures must match application form).

    • Demand Draft (Your name should be listed as the purchaser).

    • Inward remittance (SWIFT message must match account details).

 

If applying from India or overseas, submit self-attested photocopies of:

 

  • Passport (First and last four pages).

  • Any of the following document with valid relationship proof (for spouse / parents / grandparents) evidencing customer’s India connect:
    • OCI / PIO Card

    • Expired Indian Passport of Self/Spouse/Parents/Grand Parents with relationship proof

    • OCI/PIO card of Spouse/Parents/Grand Parents.

    • Certificate issued by Indian Embassy or consulate providing PIO/OCI status.

    • Place of birth is “India” as per Passport.

    • Foreign passport of Spouse/Parents/Grand Parents with their Place of birth is “India" as per Passport.


  • Valid work/employment visa (if the residence country differs from the passport-issuing country). If the visa has expired, an acknowledged renewal request will be accepted.

  • PAN Card or Form 60
    • PAN or Form 60 as applicable for all types of accounts

    • PAN to be verified from the issuing authority (NSDL)

    • PAN acknowledgement number is mandatory in Form 60, if Indian income is above threshold limit


Note: PAN is mandatory for the customer holding Indian Passport.

 

  • FATCA/CRS Declaration.

  • CKYC Annexure.

  • Address proof – View full list here.

 

Additional Requirements (for overseas applications only):

 

  • Documents must also be attested by a Banker, Notary, Embassy, or Consulate official.

  • Initial funding must be done from a self-KYC-compliant account via cheque, DD, or inward remittance.

 

If applying from India or overseas, submit self-attested photocopies of:

 

  • Passport (First and last four pages, with a clearly visible signature matching the form).

  • Valid student visa or I-20 form (for non-face-to-face US applicants).

  • PAN Card or Form 60
    • PAN or Form 60 as applicable for all types of accounts

    • PAN to be verified from the issuing authority (NSDL)

    • PAN acknowledgement number is mandatory in Form 60, if Indian income is above threshold limit

Note: PAN is mandatory for the customer holding Indian Passport.

 

  • FATCA/CRS Declaration.

  • CKYC Annexure.

  • Address proof – View full list here.

 

Additional Requirements (for overseas applications only):

 

  • Documents must also be attested by a Banker, Notary, Embassy, or Consulate official.

  • Initial funding must be done from a self-KYC-compliant account via cheque, DD, or inward remittance

Required Documents (Self-attested copies):

 

  • Valid Passport (First and last four pages, including the latest arrival stamp in India).

  • PAN Card or Form 60
    • PAN or Form 60 as applicable for all types of accounts

    • PAN to be verified from the issuing authority (NSDL)

    • PAN acknowledgement number is mandatory in Form 60, if Indian income is above threshold limit

 

Note: PAN is mandatory for the customer holding Indian Passport.

 

  • FATCA/CRS Declaration.

  • CKYC Annexure.

  • Address proof – View full list here.

  • Valid Visa OR Continuous Discharge Certificate (CDC) – CDC or visa along with last arrival date in India OR a declaration by an ICICI Bank employee (if sailing for the first time).

 

List of NRI status proof documents as applicable for Seafarer In different scenarios:

 

SR Seafarer Category NR status proof

1

Seafarer – Cruise Vessel

  1. C1D Visa &
  2. Contract / Offer Letter

2

Seafarer - Container Vessel (within 6 months)

  1. CDC / Seaman Identity Book &
  2. Work contract/employment letter and Last wage slip within the last 6 months

3

Seafarer - Container Vessel (Expired Contract & CDC stamping within 6 months)

  1. CDC / Seaman Identity Book &
  2. Expired/last contract letter and CDC / Seaman Identity Book with disembarkation stamp within 6 months

4

Seafarer - Container Vessel (Expired Contract & CDC stamping greater than 6 months)

  1. CDC / Seaman Identity Book &
  2. E-mail confirmation from the Employer confirming about employment and will be going on vessel once ready to depart

5

Seafarer - Container Vessel – First time Goer

  1. CDC / Seaman Identity Book &
  2. Contract / Offer Letter

6

Employees working on Oil Rigs in overseas country

  1. Copy of visa *(Business or Visit) or Letter from Immigration Authority permitting entry into the country
  2. Contract / Offer Letter

*Transit Visa or Business visa -> Offshore Oil Rig (Refer Grid above)

Long term visa -> Onshore Oil Rig (Refer documentation for NRI)

Documents for DTAA (Double Taxation Avoidance Agreement) Benefits:

 

To avail DTAA benefits, submit physical copies of the following:


  • Self Declaration.

  • Tax Residency Certificate (TRC) (Original or certified true copy) for the applicable financial year.

  • Form 10F.

  • Self-attested PAN Card (not required if PAN is already updated in the account).

Submission: Documents can be submitted at any ICICI Bank branch in India.