Banking Solutions for Foreign Companies

Opening Bank Accountin India for Foreign Companies

Complete guide to opening bank account in India for foreign companies. Learn about requirements, documents needed, KYC compliance, RBI regulations, and get expert assistance for your banking needs.

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Bank Account Opening Process

1. Prepare Documents

Gather all required documents including Certificate of Incorporation, PAN, MOA, AOA, and KYC documents of directors.

2. Choose Bank

Select a bank that suits your needs. Consider factors like services, charges, minimum balance, and branch network.

3. Submit Application

Submit account opening application with all required documents. Some banks may require physical presence of directors.

4. Account Activation

Complete KYC verification and wait for account activation. Account is typically activated within 7-15 working days.

Required Documents

Certificate of Incorporation
PAN card of the company
Memorandum of Association (MOA)
Articles of Association (AOA)
Board resolution authorizing account opening
KYC documents of all directors (passport, address proof)
Registered office address proof
Beneficial ownership details
Parent company documents (if applicable)
RBI approval (for branch/liaison offices)

Frequently Asked Questions

Can foreign companies open bank accounts in India?

Yes, foreign companies can open bank accounts in India after company incorporation. They need to provide Certificate of Incorporation, PAN, MOA, AOA, board resolution, and KYC documents of directors.

What documents are required to open a bank account?

Required documents include: Certificate of Incorporation, PAN card, MOA and AOA, Board resolution authorizing account opening, KYC documents of all directors, registered office address proof, and other documents as specified by the bank.

Do foreign directors need to be physically present?

Some banks require physical presence of at least one director for account opening. However, many banks now allow account opening through video KYC or with proper documentation. Check with your bank for specific requirements.

What is the minimum balance requirement?

Minimum balance requirements vary by bank and account type. Corporate accounts typically require minimum balance ranging from ₹10,000 to ₹1,00,000. Some banks offer zero-balance accounts for startups.

How long does it take to open a bank account?

Bank account opening typically takes 7-15 working days after submission of all required documents, subject to KYC verification and bank processing. Some banks may take longer for foreign companies.

Can foreign companies open multiple bank accounts?

Yes, foreign companies can open multiple bank accounts in India. However, they must inform RBI about all bank accounts opened in India as part of compliance requirements.

What are the KYC requirements for foreign companies?

KYC requirements include: company incorporation documents, PAN, address proof, identity and address proof of all directors, beneficial ownership details, and other documents as per bank policy and RBI guidelines.

Can foreign companies get loans from Indian banks?

Yes, foreign companies can avail loans from Indian banks subject to RBI regulations and bank policies. They need to meet creditworthiness criteria and provide necessary documentation.

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