Documents Required For NRE Rupee Saving Account

NRE Savings Accounts Documents Required

Find the document checklist for NRIs, OCI, or PIO applicants and seafarers before you apply for an NRE Savings Account.

NRE Rupee Savings Account Eligibility

An NRE Rupee Savings Account can be opened by:

Eligibility and account opening remain subject to applicable FEMA, KYC and bank requirements. Click here for the NRE Account Opening Form.

Non-Resident Indian

Documentation for Non-Resident Indians while submitting the account opening form/documents at Kotak Bank Branches in India:

Photocopy of Indian Passport pages where your name, photograph, date and place of birth, specimen-signature, date of issue/expiry and address details are recorded; and
Copy of valid Visa / Work / Residence Permit (the visa could be either in the passport or given separately); and
Proof of Mailing Address (local or overseas address as selected for communication on the account opening form); and
Latest colour photograph (passport-sized)

Documentation for Non-Resident Indians while sending the account opening form/documents overseas:

Photocopy of Passport pages where your name, photograph, date and place of birth, specimen signature, date of issue/expiry and address details are recorded; and
Copy of valid Visa / Work / Residence Permit (the visa could be either in the passport or given separately); and
Proof of Mailing Address (local or overseas address as selected for communication on the account opening form); and
Latest colour photograph (passport sized)

The documents mentioned above need to be attested by:

• Overseas branch bank official of an Indian Scheduled Commercial Bank, including Kotak Mahindra Bank (not applicable in the UAE. Check the applicable requirements), OR
• Bank official of Overseas Commercial Bank of Kotak Mahindra Bank. The list of branches is uploaded on OR
Notary Public abroad / Court Magistrate / Judge OR
Indian Embassy/Consulate General in the country where the non-resident customer resides.

Documentation for Person of Indian Origin (PIO), while submitting the account opening form / documents at Kotak Bank Branches in India:-

Photocopy of Foreign Passport pages where your name, photograph, date and place of birth, specimen-signature, date of issue / expiry and address details are recorded; and
Copy of valid Visa / Work / Residence Permit (required only if the country of mailing address is different from the country of citizenship and India, the visa could be either in the passport or given separately); and
Additionally, applicant has to provide any of the below mentioned document, if the place of birth is outside India:
- Copy of Indian passport of spouse OR
- Copy of Indian passport held by self or parents / grandparents at any time OR
- PIO Card OR
- OCI (Overseas Citizen of India) Card
Proof of Mailing Address (Indian or overseas address as selected for communication on the account opening form); and
Latest colour photograph (passport sized)

Documentation for Person of Indian Origin (PIO), while sending the account opening from / documents overseas:-

Photocopy of Foreign Passport pages where your name, photograph, date and place of birth, specimen-signature, date of issue / expiry and address details are recorded; and
Copy of valid Visa / Work / Residence Permit (required only if the country of mailing address is different from the country of citizenship and India, the visa could be either in the passport or given separately); and
Additionally, applicant has to provide any of the below mentioned document, if the place of birth is outside India:
- Copy of Indian passport of spouse OR
- Copy of Indian passport held by self or parents / grandparents at any time OR
- PIO Card OR
- OCI (Overseas Citizen of India) Card
Proof of Mailing Address (Indian or overseas address as selected for communication on the account opening form); and
Latest colour photograph (passport sized)

The documents mentioned above need to be attested by:

Overseas branch bank official of an Indian Scheduled Commercial Bank including Kotak Mahindra bank OR
Bank official of Overseas commercial Bank of Kotak Mahindra bank. List of branches are uploaded on www.kotak.bank.in OR
Notary Public abroad / Court Magistrate / Judge OR
Indian Embassy/Consulate General in the country where the non-resident customer resides.

Documentation for Seafarer employed with foreign vessels, while submitting the documents at Kotak Bank Branches in India:-

Photocopy of Passport pages where your name, photograph, date and place of birth, specimen-signature, date of issue / expiry and address details are recorded; and
Copy of valid Transit / Work Visa (the visa could be either in the passport or given separately); OR Copy of Continuous Discharge Certificate (CDC). The CDC must indicate latest discharge stamp / last date of arrival in India, or a declaration that you are sailing for the first time; and
Valid Contract Copy OR Original letter on the letterhead from agent / principal carrying logo and address providing contract details namely: 1. Name of the employee 2. Employment in the principal shipping company (Name of the principal where employed & Address of the overseas company) 3. Name of the vessel & flag. 4. Name of the port. 5. Commencement of contract. 6. Tenure. 7. Salary in foreign currency. 8. Passport no.; and
Merchant Navy Declaration - Format provided in the Account Opening Form; and
Proof of Mailing Address (Indian Address only); and
Latest colour photograph (passport sized)

Step 1: Confirm your eligibility
Check whether you qualify as an NRI, OCI or eligible person of Indian origin.

Step 2: Select the NRE Savings Account
Review the balance requirement, fees, banking access and other account conditions.

Step 3: Prepare the documents
Arrange your passport, proof of NRI status, address proof and category-specific documents.

Step 4: Complete attestation, if required
Have overseas documents attested by an accepted authority.

Step 5: Submit the application
Apply through the available digital, overseas or branch-assisted route.

Step 6: Complete verification and fund the account
Once verification is complete, deposit the applicable opening amount.

NRE and NRO Rupee Savings Account Documentation: Is It Different?

Kotak Mahindra Bank requires the same core KYC documents to open both NRE and NRO Rupee Savings Accounts.

All KYC documents provided to be mandatorily self-attested, except on furnishing original documents / certificates.