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NRI Documentation & Compliance

We Handle the Paperwork So You Don't Have To

PAN cards, KYC validation, FATCA declarations, country-specific address proofs, bank mandates — NRI documentation is complex. We manage every document, for every product, from wherever you are.
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Investing Roadblocks

Sound Familiar?

These are the documentation roadblocks NRIs hit most often — usually right when they’re ready to start investing.

PAN Card Mismatch

Your PAN says "Rajesh" but your passport says "Rajesh Kumar." KYC rejected. Or your PAN is marked "inoperative" because of PAN-Aadhaar linking — even though NRIs are exempt from Aadhaar.

KYC Status: "On Hold"

Your email changed, your mobile number expired, and suddenly your KYC goes "On Hold." SIPs frozen, new purchases blocked. Nobody at the AMC can tell you exactly what to fix.

Address Proof Confusion

A utility bill works in the UK. In the UAE, you need an Ejari contract. In Saudi Arabia, it's a National Address Certificate. What works for the bank doesn't work for the AMC.

FATCA/CRS Overwhelm

The form asks for your TIN, your country of tax residence, and whether you're a "US Person." You're not sure what triggers IRS reporting and what doesn't. So you do nothing.

Documents in Foreign Languages

Your lease is in Arabic, your bank statement is in Japanese. Both need certified English translations before any Indian institution will accept them.

Resident Accounts Still Open

You moved abroad three years ago but never converted your savings account to NRE/NRO. That's a FEMA violation — and it's holding up everything else.

Documents

What Documents You'll Need

The document requirements vary by product, by country, and by institution. Here’s what’s involved — and why each one gets complicated for NRIs.

PAN Card

Required for every financial transaction in India. Must reflect your NRI status. Name must match your passport exactly — even a middle name discrepancy causes KYC rejections. If your PAN is "inoperative" due to PAN-Aadhaar linking, it needs to be specifically marked as NRI-exempt.

Mutual Funds · Insurance · Bank Accounts

KYC Validation

Centrally managed by KRAs (CVL, CAMS, KFintech). Once done, valid across all mutual fund houses. SEBI has extended NRI relaxation until April 30, 2026 — "Registered" status is currently accepted. Documents must be attested by Indian Embassy, notary public abroad, or overseas bank.

Mutual Funds · Demat Accounts

FATCA & CRS Declarations

International tax transparency frameworks. You must declare your country of tax residence, TIN, and US Person status. Non-compliance can trigger a 30% withholding on US-sourced payments and freeze your Indian investment accounts. CRS applies to 100+ countries.

All Financial Products

Address Proof (Country-Specific)

Accepted documents differ by country — UAE requires Ejari contracts, USA accepts State IDs, UK accepts Council Tax bills, Saudi Arabia requires National Address Certificates. What works for banking may not work for mutual fund KYC or insurance. We know which documents work where.

Varies by Country & Product

Income Proof & Insurance Documentation

Insurance applications require salary slips, bank statements, ITR filings, or CA certificates. The NRI questionnaire, NACH mandate, and medical examinations (available via video call in 60+ countries) round out the package. Non-Face-to-Face applications need additional declarations.

Insurance · High-Value Investments

Country Specific

Country-Specific Documentation

Address proof requirements vary dramatically by country. We’ve processed documents from all major NRI corridors and know exactly what each institution accepts.

🇦🇪

UAE
Ejari contract, Emirates ID, utility bills, bank statements

🇺🇸

USA
State ID, utility bills, lease agreements, property tax bills

🇬🇧

UK
Residence permit, council tax bill, bank statements, lease

🇨🇦

Canada
Property tax bills, lease agreements, utility bills, employer letters

🇸🇦

Saudi Arabia
National Address Certificate + National ID, lease agreements

🇦🇺

Australia
Utility bills, bank statements, lease, property tax assessment

🇸🇬

Singapore
National Identity Card (with address), utility bills, lease

🇩🇪

Germany
Meldebescheinigung (registration certificate), utility bills

Not Sure Which Documents You Need?

Tell us your country and what you’re looking to do. We’ll give you the exact list — and handle the rest.

Talk to Us — We'll Walk You Through It

The Compliance Layer Most NRIs Miss

Beyond the documents themselves, there’s an ongoing compliance layer that catches NRIs off guard.

Account Conversion (FEMA)

Resident savings accounts must be converted to NRE/NRO when you move abroad. This is a legal requirement under FEMA — not optional. Non-compliance carries penalties.

KYC Status Monitoring

Your KYC status can flip to "On Hold" if your email or mobile becomes unvalidated, or your PAN-Aadhaar linkage lapses. All new transactions freeze until resolved.

DTAA Documentation

Tax Residency Certificate (TRC) and Form 10F must be in place before you invest — not when you file ITR. Without them, you pay higher domestic TDS rates.

Re-KYC Every 10 Years

SEBI mandates periodic re-verification. The rules have changed significantly — digital re-KYC from abroad is now possible, but requires geo-tagging and video verification.

What We Handle

What We Handle — End to End

You send us what you have. We tell you what’s missing, what needs updating, and we handle it from there.

Document Review & Preparation

We assess what you have, identify gaps, and prepare everything specific to your country and the products you're investing in.

PAN & KYC Coordination

New PAN applications, NRI status updates, name corrections, upgrading from "Registered" to "Validated" — we manage the process with the relevant agencies.

FATCA/CRS Declarations

We prepare the forms correctly, explain the reporting implications for your specific country, and file them with each institution that needs them.

Bank Account Setup

We recommend the right bank — private or nationalised — based on your needs and coordinate the NRE/NRO account opening, including the remote process.

Insurance Documentation

NRI questionnaire, VMER medical scheduling, NACH mandate, Non-Face-to-Face declarations — we ensure your application is complete before submission.

Ongoing Compliance

KYC status changes, SEBI updates, re-KYC requirements, FEMA notifications — we monitor and proactively reach out when something needs your attention.

Common Questions

Frequently Asked Questions

Questions NRIs Ask About Documentation & Compliance
No. NRIs are exempt from the Aadhaar requirement. You can complete KYC using your passport, OCI card, or PIO card. However, if you have Aadhaar and can link it to your PAN, it simplifies future KYC validation. SEBI has extended the relaxation for NRIs with “KYC Registered” status until April 30, 2026.
Yes, for most products. Mutual fund KYC supports online video verification. Insurance supports the Non-Face-to-Face process. Bank account opening depends on the bank — some offer fully remote onboarding. We guide you to banks that support remote opening from your specific country.
No — documents in languages other than English must be translated by a certified translator before submission. This applies to utility bills, bank statements, lease agreements, and employer letters.
With everything in order: mutual fund KYC takes 7–10 business days, bank account opening takes 2–4 weeks, and insurance applications can be processed in 1–2 weeks. The most common cause of delays is incomplete or mismatched documents — which is exactly what we help you avoid.
Yes. When your status changes to NRI, you must update your KYC, convert bank accounts to NRE/NRO, and submit fresh FATCA/CRS declarations. If you don’t, SIPs may be stopped and redemptions delayed. Your investments remain intact — but the accounts must reflect your current status.

Ready to Get Your Documentation Sorted?

Tell us where you are and what you’re looking to do. We’ll map your exact requirements and handle everything from there.

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  • The information on this page is for educational purposes only and does not constitute financial, tax, or legal advice. Regulations, documentation requirements, and tax rates mentioned are current as of 2026 and are subject to change. Please consult a qualified professional for advice specific to your situation. Mutual fund investments are subject to market risks — read all scheme-related documents carefully before investing.