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Opening Bank Account in India for Nepali Citizen

by John Bhatt
78 comments 11674 views
Today, I am going to tell you some different thing. This is not related to Technology but it is related to your Social Life. As a known fact, most of Nepalese People are working in India in various industries including from home workers to Higher Level Management of private companies.

Some of us are here to earn some money, some are studying and some people are used to India and started their own business. We need to send money to Nepal for our relatives (home) or for friends, This is a normal procedure and task.

You just need to have some of the documents. Documents required for opening an account are as below:

  1. Passport or VISA Issued by Nepal Government.
  2. Citizenship card issued by Any District of Nepal
  3. Proof of Address (In India).
  4. Passport Size Photographs.

Details of the documents.

  1. Citizenship Card: Below is attached a sample Citizen ship card.
    Nepali Citizenship
  2. Proof of Address: You need to submit a valid address proof while asked by Bank. Such, Address proof includes, Rent Aggrement between your House Owner and you. Telephone or Electricity Bill in your name,  Employment Letter issued by a Valid Company, and other documents as per Satisfaction to Officer who is responsible for opening an Account.
  3. Photographs: 3-4 Passport size Photographs taken in recent time.
  4. VISA or Passport: If you have VISA or PASSPORT issued by Nepal Government, you need not to have Citizenship card.

Steps to open an account.

If you do have Passport or VISA.
Just go to Nearest Branch of Any Bank. Fill the Form and submit your documents as mentioned above. Deposit minimum amount for your account as per instruction of officer.
This Amount is INR 500.00 for Rural Areas and INR 1000.00 for Semi Urban, Urban and Metro regions of Government Sector Banks like, State Bank of India, Punjab National Bank, etc.
While this amount is INR 2500.00 for Rural Area, INR 5000.00 for Semi Urban and INR 10000.00for Urban and Metros of Private Sector Bank like, ICICI Bank, HDFC Bank, Axix Bank etc.

If you do not have Passport or VISA.
You need to attest your Citizenship card in case you do not have Any International ID Card (VISA or PASSPORT). Citizenship card is taken as National ID Proof.

Steps to Attest your Citizenship Card.

The one and only authority to attest your Citizenship card is the Embassy of Nepal. Embassy of Nepal is located in Central New Delhi and Map is below Embedded.

If you are going through Metro,Nearest Metro is Mandi House Metro. Office is closed on Saturday and Sunday. Go and write an Application for attesting your Citizenship.

Sample of Application

Write application in above format and submit with your Original Citizenship card, Photocopy of Citizenship card and submit. Once you submitted the document and application, It will be attested and notified to you within 30 minutes (may take longer).
You need to pay INR 125.00 and they will give you a Letter on Letter Head of Embassy of Nepal with their stamp.
A Sample is attached below.

To,
The Ambassador,
Nepal Embassy, New Delhi,

Subject: Verification of Citizenship Card

Dear Sir,

I am, …………………….., resident of  Nepal having permanent address of, …………… village, ………….. VDC, ward No. ……… , District ………………………., Zone …………………
I am working/studing in India and need to open an Bank Account. You are requested to kindly attest and issue an ID proof. My Original Citizenship card is attached herewith.

Sincerely,
………………….
……………………… (Local Address)

Opening Bank Account in India for Nepali Citizen 2
Now, you just need to go to bank, Submit your Letter from Embassy, photocopy of Citizenship, Address Proof and photographs.

Congratulations, if you followed these steps, you will surely get an Account opened with your ID Proofs from your own Nation. Don’t support fake agents that promise to make you Voter ID Card, Rasan Card or any other Indian Identity Proof.

This is illegal. Hope we are able to guide you through the procedure of opening bank account in India for Nepali.

[Note: Due to updates regulations & guidelines, Aadhaar linking is mandatory. We have been in talks with RBI, UIDAI, and other regularities and waiting for their feedback.]

78 comments

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78 comments

Anonymous February 15, 2013 - 11:28 AM

A big thanks from this fellow nepali…i have been trying to open bank account in India past few weeks but unable due to document proofs. This helped a lot!!!

John February 15, 2013 - 11:33 AM

Thanks friend.

It is great to hear that. Keep reading.

Anonymous May 12, 2013 - 11:27 AM

if he/she did not have a citizenship card?

John Bhatt May 12, 2013 - 11:42 AM

Then there is no luck.

Only if Embassy provide you the Letter but they do not accept Photocopy or Scan Copy.

John Bhatt September 9, 2013 - 7:46 AM

Hello Sanjay,

Where do you live in India. If you are near Delhi, go to Nepal Embassy as on above map. Submit your Original Citizenship card and get letter. Then go to Bank and meet Bank Manager, show the letter.

Refer to RBI KYC Guidelines at http://rbi.org.in/scripts/FAQView.aspx?Id=82 and rear Point No. (vi) in first section.

I may help you more if you completed above steps and still unable to open an account. Reply with Bank Detail where you visited.

Arbind Bhagat October 12, 2013 - 7:44 PM

Hi JOHN BHATT,
I do have my valid passport from Nepal. I visited several bank here in New Delhi, but none of them are accepting my passport. They say that they will need an Indian ID document.

Please advise.

Thanks,
Arbind

John Bhatt October 12, 2013 - 7:55 PM

Hello Arbind!

Please name any of Bank name you visited or Just write me the name of bank where you want to open an account. I will give you the Contact Details of the Manager and Nodal officers in case they deny to open.

Thanks for visit.

John Bhatt

Anonymous November 7, 2013 - 3:43 PM

i tried to at the branches of bank of india and sbi and syndicate bank with my passport and notarized rent agreement.(not court registered). but they straightly denied.and further told that there was no way to open my account in their branch until and unless i have any indian documents like voter id , indian license, which is impossible as i am a neplese citizen.
and the irony is that prior to me some of my nepalese friends had opened their savings accounts,in the same branch, but my bad i couldn’t .
i have a bank account with sbi bank but in gurgaon branch and now i have changed my address so i am unable to make any modifications in that account and to transfer the account i need to provide kyc documents to other branch which they dont accept,
our embassy doesnt help in this matter,
i tried to make a registered rent agreement but that is tough and costly and the landlord doesnt readily agree,.
so it is all messed up. i am surprised that despite having valud documents in this 21st century opening a bank account is tough in india.
maybe the private banks will but the qab is very high minimum 10000 and i cant afford that much as i am a student.
so if u have any effective idea or suggestion or if u could help please suggest.

John Bhatt November 9, 2013 - 6:32 AM

If you are in Delhi and bank is Syndicate, here is Contact of Nodal Officer. Speak to him directly and tell your problem.

Delhi – Sri S.K. Takkar – General Manager – 011 – 23382593/23381352 (O) – 9810803404 (M) 9968309160 – [email protected] – SyndicateBank, Regional Office, No.6, Bhagwandas Road, Delhi – 110001.”
For other reason, here is contact list of Nodal Officers of Syndicate Bank, http://syndicatebank.in/downloads/Bkg-Ombud-Nodal-List.XLS

Pankaj April 18, 2014 - 1:21 PM

Thanks for the information. I was collecting information to open a bank account here at India. Now will collect address proof and employment letter and will proceed accordingly.

John Bhatt April 18, 2014 - 2:04 PM

Thanks for reading Pankaj. Hope this article helped you in some manner.

Amar June 14, 2014 - 7:28 AM

Can a nepali citizen enter in a registered partnership with an Indian

Sarif Cuncheury August 15, 2014 - 12:21 PM

Thanks for this information .. now i am here in Kuwait and planning to come india and start some restaurant business but all i need is Bank account so main kaise khata khol sakta hun india main … mere pass kuwait ka Visa passport and nepali Nagrita hai… ? mujhe delhi jana jaruri hain ya maine kahi suna hai Pin card and adhar card se ban sakta hai kuch dadaal log kam karte haina paise se … is it true …? pls help me [email protected]

John Bhatt August 15, 2014 - 2:07 PM

Thanks for reading. If you have PAN Card and Aadhar Card issued by Indian Authority, you do not need to attest your Citizenship certificate from Embassy, but If you only have PAN card, it is not considered as ID card for bank purpose. Using agents you can get PAN card but not Aadhar card, but as this is illegal, you are not advised to follow Agents. If you have passport issued by Nepal Govt, you can get Bank account on behalf of that by submitting additional a valid Address proof certificate. To get aadhar no you have to submit proof of Identity and residence in that area. Revert if required.

John Bhatt August 15, 2014 - 2:08 PM

Hi Amar, Sorry for delayed reply. I think it is legal because as per INDO-NEPAL aggrement, we can live and start own business on each others country.

John Bhatt August 23, 2014 - 12:02 PM

Process of getting an Aadhar Card depends upon the documents you have and locality where you reside in India. You can get Aadhar Card by submitting your existing ID proof documents because it is not proof of Nationality, it is just proof of Identity.

Please go through list of Documents required by RBI regulations which is governing body of Indian Banks at RBI official website here http://www.rbi.org.in/scripts/FAQView.aspx?Id=82.

Good Luck.

saurabrathi September 19, 2014 - 10:54 AM

Hy i am citizen of nepal and have passport and nepali citizenship currently i m working in a company in vadodara i want to open a bank account to get deposited my salary.Any of the is not accepting nepal document and demanding for pan card or such plz guide me what i can do.

John Bhatt September 20, 2014 - 8:50 AM

Hi Saurabrathi,

Please share the Bank name and branch you visited. Also Do you have any Address proof here. This includes Rent Aggrement, if company provided, Company ID card and letter written that you live at their address.

John Bhatt January 5, 2015 - 7:49 PM

Hi Prem,
Electricity bills and gas connection bills are rarely available with any Nepalese in india. As you say, bank has also started questioning about Rent agreement.

You can check with banks that are nearby village area, those might accept normal rent agreement. Else you have to go with Rent agreement issued from court which costs a lot.
I will talk to some banks and post if there is any alternative documents.

Prem January 4, 2015 - 9:18 PM

Thanks, Prithvi/John for this post.. quite informative, I must say… but recently the banks have started refusing electricity bill or gas connection bill as the address proof in India… forget even the rent agreement…. the only documents they now accept are driver’s licence, ration card, voter’s ID, or Indian passport… any idea how to circumvent these issues?

Thanks…

Binod January 15, 2015 - 9:46 AM

Hi john,
if we are living in other part of india ,in that case how we can reach out to the embassy?..can we drop a mail for that with attached all documents.

pragyan Basnet March 27, 2015 - 5:18 PM

I have account in SBI and i opened it when i was student and now i have started doing business and i have to go to india once a year for it. My SBI mastro card is there so i am using same for the transaction till date. Can you make me aware that if we have already an account and if i need to do something like renew card or something and i have to permanent adress of india as i am back to Nepal but still i want this account will there be any effect until and unless i am using it and there is also minimum balance maintained. Do you have ideas in this. I will be happy if you make me aware

John Bhatt March 29, 2015 - 10:43 PM

Hi, you may request card on branch instead of address. I think SBI can arrange for delivery at any branch you desired.

Aashish March 31, 2015 - 10:46 AM

What if,if he hadn’t have proof of address in INDIA

John Bhatt March 31, 2015 - 12:21 PM

Well Aashish, Then there might be some problem. You need at least 1 local address proof. Read the KYC Documents required as per RBI Guidelines.
http://rbi.org.in/scripts/FAQView.aspx?Id=82
Thanks for reading and contacting.

roshan rajkarnikar April 15, 2015 - 9:45 AM

What would be the process for attesting my citizen ship card?? And will I get my original copy back from the embassy?? Will that be sufficient for opening an account in bank??

John Bhatt April 15, 2015 - 12:32 PM

Hi Roshan, You have asked 3 questions, here are your answers.
1) I have mentioned steps for Attesting just above the embedded MAP.
2) You will get your original back. They just get the copy for verifying and you will get Card back as it was. No remarks, No stamps.
3) Due to recent change in KYC, some friends have reported difficulty while opening account. Now Banks are also asking for Address Proof that is valid to new KYC norms. Eg. Aadhar Card, Rent Agreement from Court etc.
If you are in Delhi or nearby area, please contact me directly using phone number in header of website.
Thanks for reading. Best of Luck.

dhirendra May 14, 2015 - 11:33 AM

Hi john
Iam working here in gurgaon and ihave bank account at corporation bank but bank not provide me passbook n cheque book iam receiving my selery by my debet card so iwant to open account at sbi bank n i do not have any ligal document iam staying with my reletivis who working in gvrnt of hr and they have gvrnt flat.

John Bhatt April 15, 2015 - 12:32 PM

Hi Roshan, You have asked 3 questions, here are your answers.
1) I have mentioned steps for Attesting just above the embedded MAP.
2) You will get your original back. They just get the copy for verifying and you will get Card back as it was. No remarks, No stamps.
3) Due to recent change in KYC, some friends have reported difficulty while opening account. Now Banks are also asking for Address Proof that is valid to new KYC norms. Eg. Aadhar Card, Rent Agreement from Court etc.
If you are in Delhi or nearby area, please contact me directly using phone number in header of website.
Thanks for reading. Best of Luck.

Roshan April 15, 2015 - 3:11 PM

Okay thanks for the info. I’ll contact you.

Anees Tamrakar May 19, 2015 - 12:51 PM

Hi. I have a bank account with PNB-shimla, i want to open an account with a bank in Delhi, Can i use the bank statement of my PNB account to open a new account here at Delhi without having to submit a letter from the embassy?

John Bhatt June 12, 2015 - 1:16 PM

Sorry Ayush Barnawal, I never tried to search that part because I feel very proud on being citizen of Nepal.

By the way, you can consult with local authorities like Sarpanch or similar and get Voter ID arranged during Election time. You can also go illegal way by choosing Agents which can make documents for you with some charge. Please visit http://indiancitizenshiponline.nic.in/ic_generalinstruction.pdf for complete guidelines on Indian Citizen ship.

Thanks for reading and posting, All the Best.

Ayush Barnawal June 14, 2015 - 6:30 PM

Hello John,

I m waiting for your mail…

Rajesh George July 12, 2015 - 7:41 PM

Hi, I’m Rajesh, and I am in South India. Could you put me on to any reputable and conscientious employment agency in Nepal through whom I can give jobs in India to those who need it, after the disruption caused by the earthquake? My mail Id is [email protected]

Anonymous December 4, 2016 - 11:08 AM

I am also an nepalese student studying in india. Can u share how u opened ur account here?

John Bhatt May 25, 2015 - 2:20 PM

If you already have an account, you need not to get Letter. But you need to submit an Address proof verifying the local address nearby the branch where you want to get an account.

Ayush Barnawal June 11, 2015 - 8:35 PM

Hello, John..
I’m from Nepal.Currently Pursuing my B.Tech. from Allahabad,India.Did my 12th(Intermediate) in 2012 also from India.Now I want to apply for Indian citizenship. M also having a Bank Account @ SBI(Student account).Can you please tell me the entire Procedure of it? I searched nearly everywhere but didn’t got the appropriate Solution. Would Highly appreciate your positive response.
Thanx in Advance.

John Bhatt June 12, 2015 - 5:21 PM

Hi,
I will write a separate mail to on this concern tomorrow.

Ayush Barnawal June 12, 2015 - 10:44 PM

Well.. I too feel proud for that.. But the problem is I have to continue in India after my Graduation.. And Joining any IT Firm demands Nationality. I have gone through your Profile & website which says you are too working in an IT Firm. So being an NRI won’t make difference in getting a job as compared to Non-NRI’s. Can you Share your Experience(How you got your job being an Non-NRI) & help me out on this..
And Thankyou brother for your so quick Respone..

Kritesh Bhatt August 13, 2015 - 12:44 PM

Hey John. I want to open an account in a Private Sector Bank like ICICI or AXIS. I went to a branch of ICICI and they told me they accept PAN card, Voter ID card, Passport, DL, Aadhar Card as ID PROOF and Voter, Passport, DL, Aadhar as ADDRESS PROOF.

I told them I am a nepali citizen and have a passport with me. But they themselves look clueless what to say.

However they told me to get a PAN card at least.

So i was wondering where can I get PAN (legal way)? I know of a friend who knows an agent that could arrange a pan card. Do you know of anyone who has made a pan card via agent?

I know it is not entirely legal, but you gotta do what you gotta do right?

John Bhatt August 13, 2015 - 1:19 PM

Hi Kritesh,
Thanks for reading and sharing your experience. PAN card can be treated as ID card, as you said it is entirely not legal but you can take help of any agent. Generally they take 300-500 INR and can help you getting PAN card. But ensure to go with a permanent address agent like Photocopy shop etc to avoid tension.
Exactly as you said, most (96%) of bank staff are unaware about the procedure of openin