NRI mutual fund KYC and the FATCA/CRS declaration

NRI KYC asks for a little more than a resident's, because your address and your tax residency are both abroad. In practice you should expect to provide:

• PAN card.
• Passport (and, where relevant, visa or proof of NRI/OCI status).
• Overseas address proof — a document showing where you actually live abroad, in addition to any Indian address.
• In-person or video verification — identity is confirmed either in person or through a video KYC process, so a live check of you against your documents is part of it.
• Your NRE or NRO bank account details.
• A FATCA/CRS self-declaration, stating your country or countries of tax residence and your tax identification number there. This is mandatory. It is how the fund house meets its cross-border reporting duties, and an application will not complete without it.

For US and Canada residents on the offline route, the same information is captured on physical forms rather than a portal — the requirements do not change, only the channel does. We prepare the correct forms for your case so the application is right the first time rather than bouncing back.

If you’re in the USA or Canada, the offline route is explained in investing from the USA or Canada.