PNB Bank (FEX-112) Account opening form for Non-Residents Indians (Single and Joint) Saving Fund/Current Account/ Fixed Deposits from Download

Ashwani Kumar — Fri, 29 May 2026 11:43:50 +0000

Based on the provided Punjab National Bank Account Opening Form for Non-Resident Individuals (Part-II), here are the key points you need to know:

1. Supported Account Types

NRE (Non-Resident External): Saving Bank, Current Account, or Fixed Deposits (AOF.pdf p. 4).
NRO (Non-Resident Ordinary): Saving Bank, Current Account, or Fixed Deposits (AOF.pdf p. 4).
FCNR (B) (Foreign Currency Non-Resident Bank): Fixed Deposits where you must explicitly specify the foreign currency type and tenure (AOF.pdf p. 4).

Maturity Handling for FCNR (B): You can select Auto Renewal (for either Principal & Interest or Principal only) or opt to have funds automatically transferred to another account, issued as a cheque, or issued as a Demand Draft (DD) (AOF.pdf p. 4).
Conversion Facility: Offers a dedicated section to formally request the conversion of your existing resident accounts into NRO status and automatically hotlist linked resident international debit cards (AOF.pdf p. 5).

Proof of Identity: Passport containing name, date of birth, photo, signature, place of issue, and expiry date (AOF.pdf p. 8).
Proof of NRI Status: Valid Visa/Work Permit, Job Contract, Continuous Discharge Certificate (CDC), or recent shipping company salary slip (AOF.pdf p. 8).
Proof of PIO/OCI Status: PIO/OCI Card, marriage certificate proving Indian origin of the spouse, or passports of parents/grandparents (AOF.pdf p. 8).
Address Requirements: Distinct document proofs must be furnished for both an Indian address (e.g., Aadhaar, Voter ID, Driving License) and an Overseas address (e.g., foreign utility bills, overseas bank statements, or driving license issued abroad) (AOF.pdf p. 8).

Tax Identification: Submission of a Permanent Account Number (PAN) is required. If a PAN is not available, Form 60 must be filled out (AOF.pdf p. 2).
Annexure I (FATCA/CRS Self-Certification): Mandatory if you hold tax residency outside of India (including the United States) (AOF.pdf pp. 2, 10). You must disclose your foreign Tax Identification Number (TIN) (AOF.pdf p. 10).
Mandatory Updates: You are legally bound to inform the bank of any changes to your tax residency or non-resident status within 30 days (AOF.pdf p. 6).

Modes of Operation: Can be operated as Self, Either or Survivor, Former or Survivor, Anyone or Survivor, or Jointly Operated (AOF.pdf p. 5).
Non-Commercial Restriction: Savings accounts must strictly be used for non-business and non-commercial transactions, failing which the bank can unilaterally freeze or close the account (AOF.pdf p. 6).
Threshold Violations: The bank sets an account-level financial threshold limit based on your declared annual income. If a self-declared threshold is breached, further credits are blocked until physical proof of income is provided (AOF.pdf p. 6).
Non-Face-to-Face Accounts: If you are not physically visiting a PNB branch to open the account, your documents must be attested by an authorized PNB foreign official, a Notary Public, or the Indian Embassy/High Commission (AOF.pdf p. 8).