NRI
NRI bank account frozen, KYC problems or an Indian tax notice
Most NRI account freezes come from status or KYC mismatches. Tax notices usually come from data mismatches. Both are fixable with the right papers.
Answer a few questions and get your list →What the law says
FEMA rules require accounts held as a resident to be redesignated as NRO once you become non-resident. Indian tax notices from 1 April 2026 are issued under the Income-tax Act, 2025 (older years may still refer to the 1961 Act).
General information, not legal advice.
Papers that usually help
- Bank's freeze/KYC message and account statements
Shows the reason. - Passport, visa/residence permit, overseas address proof, PAN, photo (attested as the bank asks)
Standard NRI KYC set. - Written request to the bank to redesignate/unfreeze, with reference number
Starts the bank's timeline and RBI complaint route. - The tax notice and the income-tax portal "e-proceedings" page
Every reply starts here. - Annual Information Statement (AIS), Form 26AS and your filed returns
Most notices come from mismatches. - Proof of days spent in India and abroad (passport stamps, travel history)
Decides how you are taxed. - Tax residency certificate from your country of residence
Needed to claim lower tax under a tax treaty.
Questions Saboot will ask you
- What is the problem?
- Does the tax notice have a reply date?
Sources
- Reserve Bank of India — FEMA rules for NRIs
- Income Tax e-filing portal (official) — the Income-tax Act, 2025 applies from 1 Apr 2026
Common situations
- Bank froze my NRO or savings account after I moved abroad
- Convert my savings account to NRO
- Income tax notice as an NRI
- Excess TDS on my NRI income
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