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NRO Savings Account

An account for NRIs to carry out transactions in Rupees and enjoy convenient, hassle-free banking

Ease of Operation

Authorise a relative or friend to conduct banking transactions on your behalf in your absence

Tax Deducted at Source

Interest earned on NRO Savings Account is subject to Tax deduction at source

Free iConnect

24 X 7 account access through secure Internet banking facility from anywhere

Free Accident Cover

Avail free personal accident coverage of Rs. 2,00,000 on the Debit Card

Fees and Charges

Features and Benefits


  • NRI (Non Resident Indian)
    An Indian citizen residing outside India for the purpose of:
    • Employment, studies, business or vocation
    • Individual posted in UN organisation or official deputed abroad by Government of India or public sector undertakings
    • Indian nationals who may be Mariners or working on oil rigs or foreign registered airlines
  • PIO (Person of Indian origin)/ OCI (Overseas Citizen of India)
    An individual holding a Foreign passport (other than Pakistani and Bangladeshi) who:
    • Has held an Indian passport at any point of time
    • Parent or their grandparent was Citizen of India by virtue of the Constitution of India or India Citizen Act 1955
    • Is a spouse of an Indian Citizen or spouse of PIO

The following individuals cannot open an NRI Savings Account

  • Residents who travel overseas for health and medical check-up, or
  • For any tour abroad for their short visit whether on excursion or business promotion, or
  • Residing in Bangladesh or Pakistan without prior approval of RBI, or
  • Residing in Nepal and Bhutan, or
  • Seafarers employed by Indian shipping companies

Keep your documents ready

In order to open an account customer will have to submit the following documents

  • Copy of valid passport (pages with your name, address, date of birth, date and place of issue, expiry date, photograph, address, signature and observation page, if any)
  • Proof of NRI status, by way of valid Employment/Residence Visa copy or Work / Residence Permit
  • Proof of Overseas and Indian Address (as per Customer Identification Policy)
  • Copy of Indian PAN card or Form 60
  • Recent passport size colour photograph
  • Copy of valid passport (pages with your name, address, date of birth, date and place of issue, expiry date, photograph, signature and observation page, if any)
  • Copy of valid PIO/OCI card or any other proof of PIO status as per Customer Identification Policy
  • Proof of Overseas and Indian Address (as per Customer Identification Policy)
  • Duly signed and filled-in PIO declaration
  • Copy of Indian PAN Card or Form 60
  • Recent passport size colour photograph

All the above photocopies required to open the Inaam NRI Personal Account should be attested in case you are downloading the account opening form and sending it to India. Attestation can be done by your banker abroad or the Indian Embassy or notary or equivalent authority as per the applicable law.

The address proof must match with the communication address selected by you on this Relationship Form.

  • Passport
  • Bank statement (not more than 3 months old from the date of application) of Overseas or India based bank.
  • Valid Permanent Overseas Driving License
  • Credit Card statement (not more than 3 months old)
  • Company ID Card indicating the address
  • Certificate from Indian Diplomatic Mission stating the contact address
  • Government ID card (SSN / Green Card / PIO card / OCI card)
  • Utility bill (electricity/ gas/phone/ water – not more than 3 months old from the date of application)
  • Appointment letter of overseas Employer Corporate.
  • Letter from foreign University stating the address(for on-campus lodging)
  • Registered Purchase / Sale Deed or agreement
  • Foreign Government issued Identity Card
  • Lease / Rent / Leave and License agreement indicating the address of the customer duly registered with Government or similar registration authority.
  • Valid employment contract letter.
  • Valid employment offer letter.
  • Employer’s certificate for proof of overseas address.
  • Letter from the government postal services confirming the address of the applicant.
  • Permanent Resident Permit / Work Permit mentioning the overseas address. Following are some of the residence permits that have the address Kuwait-Bataaka Madaniya (Civil ID), Saudi Arabia-Iqaama (Residential permit), Oman-Residence Card, UAE-Labour Card , Bahrain-CPR (Central Population registry) Card and Qatar-Residence Card, Singapore/Malaysia Permanent Resident Card
  • Passport (valid as on date)
  • Permanent Driving License, which is valid with the photograph affixed thereon
  • Voter's Identity Card (Election Card)
  • Job Card issued by NREGA duly signed by an officer of the State Government
  • Letter/Card issued by the Unique Identification Authority of India (UIDAI) containing details of name, photograph, address and Aadhaar number. Accordingly, either the physical Aadhaar card/letter issued by UIDAI received through post or the Aadhaar number validated through the e-KYC process is acceptable as an officially valid KYC document for onboarding the customer and for re-KYC purpose

Fees and Charges

Download Forms

Download Forms

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