NRI › NRI bank account or tax notice
Convert my savings account to NRO
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? Need to convert a resident account to NRO/NRE
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
- Bank froze my NRO or savings account after I moved abroad
- Income tax notice as an NRI
- Excess TDS on my NRI income
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