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Letter to Bank to Change NRE to Normal Resident Account

A person, who was a non-resident and living in a foreign country for his job or business purposes, may leave the foreign country and come back to India to settle down here forever as a resident. He has to comply with many legal formalities of such a change.

how to change nre account to normal account letterHe will also have to apply for conversion of his NRE/NRO/FCNR bank account to normal resident account. He has to provide some documents to the bank as proof of the permanent residency in India now.

Documents viz. letter of request with declarations, KYC documents of identity and residence proof in India, duly filled in and signed resident account opening form, etc.

Do enquire with your bank for better clarification on procedure and documents requirements.

Following format of request letter is for your reference.


Date: .................

(Account-holder Name)
(Residential Address)
(Phone Number)

The Branch Manager
(Name of the Branch)
(Name of the Bank)
(Branch Address)

Sub.: Conversion of my existing NRE account to resident account

Dear Sir/Madam,

I am an existing customer of your bank. I have been holding a NRE account for the last few years. Following are the details of my account:

i) Name of account holder: ...............................
ii) NRE account number: ...................................
iii) Customer Identification Number: ..................

I would like to inform you that I have come back to India last month from my earlier resident country i.e. ................... I am going to settle down in India permanently. Therefore, I kindly request you to convert my non-resident account into a resident account.

I hereby declare and confirm that:
• I will re-designate my NRE account as a Resident account at all required places.
• I have destroyed the existing chequebook for this account and have applied for a new chequebook in the application form attached herewith.
• I will maintain the necessary average monthly balance in my re-designated resident account as may be required from time to time.
• I will close my current ISA and will apply for opening a new resident Investment Services Account.
• I will inform NSDL/CDSL about my change in residential status and will have it changed to being Resident for my account maintained with them.
• I will close the current NRE Demat and trading account and transfer the holding to a new Demat account after opening it under Resident category.
• In case, there are more than two account holders in the non-resident account and I am a joint holder in that account, then my name will be removed from that account.
• In case, I am a joint holder in any Non-resident account then my status will remain as resident Indian but the mode of operations will be changed to former or survivor.
• I am aware that existing FDs may be re-designated into resident FDs. And, it will be renewed as resident FDs on maturity.
• I am aware that my current Debit and Credit cards may be hotlisted and/or migrated to new cards to be issued to me.

I have enclosed herewith the following documents for your records and verification purposes.
(1) Resident Account Opening Form duly filled in and signed by me.
(2) KYC document - Identity proof - Self-attested copy of Passport/Aadhar/PAN.
(3) KYC document - Address proof - Self-attested copy of Aadhar/Passport/DL.
(4) TDS waiver form duly filled in and signed by me.

I hope the above information and documents will be sufficient for you to process my application. Let me know in case there is anything else required in this regard.

Kindly do the needful and oblige.

Thanking you,
Yours faithfully,

(Name of the Account-holder)

Encl.: As above

how to change nre account to normal account letter