NRI banking has moved from being a specialised service offering to a core component of India’s financial system. Greater global mobility has raised expectations that NRI customers can open, manage, and monitor Indian bank accounts remotely. The reasons are structural rather than incremental, rooted in digital readiness, regulatory consistency, and changing service expectations.

India’s position as the world’s largest recipient of remittances has long underscored the economic relevance of non-resident Indians. Engagement has moved beyond one-off remittances or property transactions. NRI customers are now using Indian banks for ongoing financial management, including savings and deposits, accessed largely through digital platforms.