MANDATORY

1. PAN Mandatory for opening NRE or NRO Current Account and PAN or Form 60 (in absence of PAN) Mandatory for opening NRE or NRO Savings Account
2. Latest Passport size photograph
3. Self-attested copy of Official Valid Document (OVD). If account is being opened by a NEW TO BANK customer then document need to be additionally be
certified by any one of the following:
a) Any authorized official of overseas branches of Scheduled Commercial Banks registered in India [CLICK HERE for country wise list of Indian banks Branches at
Overseas centers. CLICK HERE for the list of Scheduled Commercial Banks in India]
b) Branches of overseas banks with whom ANY Indian banks have relationships. [CLICK HERE for details of overseas banks with whom HDFC Bank has relationship].
c) Notary Public abroad.
d) Court Magistrate abroad.
e) Judge abroad.
f) Indian Embassy/Consulate General in the country where the NRI/PIO resides.
PROOF OF IDENTITY (A)
(Point no.3 of Mandatory

INDIAN PASSPORT HOLDER

Section to be adhered)

▪ Photocopy of Valid Indian Passport.

FOREIGN PASSPORT HOLDER

▪ Photocopy of Valid Foreign Passport.

INDIAN PASSPORT HOLDER

PROOF OF NRI/PIO

▪ Photocopy of Valid VISA (Employment / Residence / Student / Dependent etc.) or Work/ Residence Permit copy.
STATUS (B)

FOREIGN PASSPORT HOLDER

▪ Photocopy of OCI (Overseas Citizen if India) card / PIO (Person of Indian Origin) card / PIO Declaration wherever Applicable.
 PROOF OF ADDRESS (Document should be Self-attested and duly certified by above mentioned authorities mandatorily) (Any
PROOF OF ADDRESS (C) (ANY ONE I.E. OVERSEAS OR INDIAN)

One i.e. INDIAN or OVERSEAS proof required)

OFFICIALLY VALID DOCUMENTS (OVD)
➢ Valid Passport
(Point No.3 of Mandatory Section to be adhered)

➢ Driving License
➢ Aadhar Card (Indian Address Proof)
➢ Voter’s ID card issued by the Election Commission of India (Indian Address Proof)
➢ Job Card issued by NREGA duly signed by an officer of the State Government (Indian Address Proof)
➢ Letter issued by the National Population registered containing details of Name & Address.
➢ Documents issued by the Government departments of foreign jurisdictions (like OCI/PIO Card, Work/Resident Permit,
Social Security Card, Green Card etc.) (Accepted only in case of foreign citizen holding PIO/OCI card)
➢ Letter issued by the Foreign Embassy or Mission in India (Accepted only in case of foreign citizen holding PIO/OCI card)

DEEMED TO BE OVD (Annexure X to be mandatorily be submitted while submitting deemed OVD address proof)
➢ Utility bill (Electricity / Telephone / Post-Paid Mobile Phone / Piped Gas / Water Bill)- (not more than 2 months old)
➢ Property or Municipal Tax Receipt
➢ Pension or Family Pension Payment Orders (PPOs) issued to retired employees by Government Departments or Public
Sector Undertakings, if they contain the address
➢ Letter of allotment of accommodation & Leave and License agreements allotting official accommodation from employer
issued by State or Central Govt. departments, statutory or regulatory bodies, public sector undertakings, scheduled
commercial banks, financial institutions and listed companies.
 ANNEXURE X - DECLARATION FROM CUSTOMER TO PROVIDE OVD WITH CURRENT MAILING ADDRESS WITHIN 90 DAYS FROM THE DATE OF
ACCOUNT OPENING
Date:
To,
The Branch Manager
HDFC Bank Limited, (Branch Address)
_____________________________
_____________________________

Sub: New account opening without OVD with current mailing address

Dear Sir/ Madam,

I/We, giving a request to open Bank account, hereby confirm that I/We do not have a valid OVD (Officially Valid Document) with my/our current
mailing address.
1. I/We confirm that I/We will provide a valid proof of address within 90 days from the date of request
2. I/We agree that if the OVD of mailing address is not submitted to the satisfaction of the Bank, within 90 days from the date of request for account
opening, the Bank shall have the right to restrict transactions in my/our account without any further notice to me.
3. I/We agree to submit OVD with current mailing address within the stipulated time in order to allow uninterrupted transactions in the account.
4. I/We also agree that it will be my/our responsibility to inform other holders, in case such holders are being added in the account(s) in due course of
time
5. I/We agree and undertake to keep HDFC Bank fully indemnified against claims and damages, which may arise due to HDFC Bank relying and acting
on this declaration.

__________________________________ __________________________________

Name: Name:
(Name & Signature of 1st account holder) (Name & Signature of 2nd account holder)
 IMPORTANT POINTS TO NOTE

❖ The above guidelines will be applicable WITH IMMEDIATE EFFECT for sourcing of NRI accounts, NRI RE-KYC updation, address change & other
requests where KYC documents are obtained from NRI customers.

❖ If Deemed OVD is submitted as address proof, customer has to submit an undertaking as per “ANNEXURE X-Declaration from customer to
provide OVD with current mailing address within 90 days months from the date of account opening”

❖ The customer shall submit OVD with current address within a period of three months of submitting the deemed to be OVD documents.

❖ Account cannot be opened for the customer belongs to OFAC sanction countries (i.e. Iran, North Korea, Syria, Cuba, Crimea Region, Sudan).

❖ CLOSE RELATIVE DECLARATION CANNOT BE ACCEPTED FOR ADDRESS PROOF. KINDLY REFER KYC CIRCULAR # 270/2020

❖ OVERSEAS BANK / CREDIT CARD STATEMENT AND LEASE / RENT / LEAVE AND LICENSE AGREEMENT CANNOT BE ACCEPTED AS ADDRESS
PROOF.
 RESIDENT TO NRO CONVERSION
When customer informs the bank about the change of his residential status to Non Resident Indian then branch has to obtain the below forms and
documents from the customer. Customer's all resident accounts (wherein he/she is primary account holder) need to be converted/ re-designated as
NRO account

DOCUMENTATION TO BE OBTAINED FROM CUSTOMER FOR CONVERTING EXISTING RESIDENT ACCOUNT TO NRO ACCOUNT:
✓ Resident to NRO Conversion form. (Form to be signed by all holders)
✓ Self-attested PAN Card or Form 60.
✓ Self-attested copies of passport and Visa to prove his/her NRI status.
✓ Overseas address is mandatory to be obtained from the customer.
✓ Address proof should be as per the list of acceptable proofs.

In case customer (whose status has now changed to NRI) is a joint/second holder in Resident Account and does not hold any other resident account
under primary relationship then in such cases, customer needs to additionally submit declaration along with the above mentioned forms and KYC
documents.

MODES OF OBTAINING THE REQUEST FROM THE CUSTOMER.

1) NON FACE TO FACE APPLICATION:

A) Request can also be obtained via registered email id (Self-attested documents can be accepted)
B) Request can be obtained via Non face to face basis physical request received via COURIER / POST/ MAILBOX etc (Self-attested documents can be
accepted)

2) FACE TO FACE APPLICATION:

• All documents must be self-attested by the customer.
• All documents must be signed by the customer in presence of the bank official.
• All documents must be verified against the originals by the bank official.
IMPORTANT POINTS TO NOTE: Branch/ RM need to obtain all relevant forms & documents (as mentioned above)for conversion of Resident Account
to NRO account.
1) DEBIT CARD: International Debit card linked to Resident Account to be Hotlisted and Rupay NRO domestic debit card or ATM card can be issued.
2) CURRENT REIMBURSEMENT ACCOUNT: Current Reimbursement Account can be closed or it can be converted to Current Account - NRO (PC 201)
(Customer need to maintain required AMB).
3) RESTRICTION IN ACCOUNT OPENING: Customers based in OFAC fully sanctioned countries like 1) Iran 2) North Korea 3) Syria 4) Cuba 5) Sudan
and 6) Crimea Region CANNOT re-designate or open NRE/NRO accounts. They will have to mandatorily close the resident account.
4) JOINT HOLDER: a) Resident Joint Holder in NRO Account mode of operation will be “Former or Survivor” ONLY. NRI can be Joint holder in Resident
account under any mode of operation i.e. JOO, JAO etc.
5) TDS APPLICABILITY: On change of status TDS on interest earned on savings & term deposit account will be applicable with immediate effect post
conversion of customer ID to NRI (category 'O').
6) NRE ACCOUNT: In case customer wishes to open NRE account then branch can follow the extant process of NRE account opening.
7) EXPAT Account: This process is not applicable while converting Foreign National (Expat) Resident Account to NRO Account (under product code
131)
IMPACT AND CONVERSION PROCESS OF OTHER ASSOCIATED PRODUCTS (Refer global email dated 17-04-2021)
1. DEMAT:NRIDEMAT/Depository/Empire Plaza Vikhroli-Mumbai/HBL@HDFCBAN
2. HDFC SECURITIES LIMITED: [email protected]
3. INVESTMENT SERVICES ACCOUNT: TPP-Online Mutual Fund Query/Retail/Chandivali/HBL@HDFCBANK
4. CREDIT CARD: Branch can seek help from branch mapped Credit card sales manager for more details.
5. GOLD LOAN: Branch can contact Gold Loan Sales officers mapped to their branch. / Gold Loan Product Team
6. LOAN AGAINST SECURITIES: LAS/LAS/Chandivali/HBL@HDFCBANK
7. CAPITAL MARKET ACCOUNTS: Arpita Salunke/Capital & Commodity Markets/Zenith House/HBL@HDFCBANK. Level 1: Sachin Dixit/Capital &
Commodity Markets/Zenith House/HBL@HDFCBANK (for internal bank staff only)
8. CUSTODY ACCOUNTS: [email protected] / [email protected] (for internal bank staff only)