NRI Financial Services
 
An NRI can operate either on NRE (Repatriable) or on NRO (Non Repatriable) or on both NRE & NRO status.

A. In case of NRE Status

- To open NRE A/c. (with designated branch of a bank) - Normal - for all dealings excluding portfolio
   Investment.
- To open NRE A/c. - PIS (Portfolio Investment Service) exclusively for Portfolio Investment.
- To obtain RBI approval thru the above bank (RPI) for buy cum sale thru Stock Exchanges.
- To have a DEMAT A/c. in NRE Status.
- Report all purchases to RBI thru above bank within 24 hrs.
- To pay by NRE (PIS) cheque to broker for each contract.
- Report all sales to RBI thru above bank within 24 hrs.
- Deposit cheque for sales proceeds in NRE (PIS) A/c.

(Based on the above records, bank will calculate and deduct Short Term Capital Gain Tax @ 10% on gain if
any - Long Term Capital Gain Tax being abolished from Financial Year 2004/05 - and credit net proceeds to PIS A/c).

B. In case of NRO Status

- To open NRO A/c. (with designated branch of a bank) - Normal - for all dealings excluding portfolio
  Investment.
- To open NRO A/c. - PIS (Portfolio Investment Service) exclusively for Portfolio Investment.
- To obtain RBI approval thru the above bank (NRI) for buy cum sale thru Stock Exchanges.
- To have a DEMAT A/c. in NRO Status.
- Report all purchases to RBI thru above bank within 24 hrs.
- To pay by NRO (PIS) cheque to broker for each contract.
- Report all sales to RBI thru above bank within 24 hrs.
- Deposit cheque for sales proceeds in NRO (PIS) A/c.

(Based on the above records, bank will calculate and deduct Short Term Capital Gain Tax @ 10% on gain if any - Long Term Capital Gain Tax being abolished from Financial Year 2004/05 - and credit net proceeds to PIS A/c).

(VIOLATION OF ABOVE ATTRACTS PENALITY UNDER FEMA)
22/07/04

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