NRI › NRI bank account or tax notice
Bank froze my NRO or savings account after I moved abroad
What usually matters in this situation, and the papers to keep ready before you meet an advocate or free legal aid (call 15100).
Make my own list — free, 2 minutesYour situation
- What is the problem? Account frozen / debit-blocked
Do these now
- Written request to the bank to redesignate/unfreeze, with reference number
Starts the bank's timeline and RBI complaint route. Where: Bank NRI desk email.
Papers to gather
- Bank's freeze/KYC message and account statements
Shows the reason. Where: Email, net banking. - Passport, visa/residence permit, overseas address proof, PAN, photo (attested as the bank asks)
Standard NRI KYC set. Where: Your documents; consulate/notary attestation if required.
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.
Similar situations
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
The full guide: NRI bank account frozen, KYC problems or an Indian tax notice · All situations