{"id":20482,"date":"2026-10-28T09:55:11","date_gmt":"2026-10-28T09:55:11","guid":{"rendered":"https:\/\/navia.co.in\/blog\/?p=20482"},"modified":"2026-10-30T06:59:59","modified_gmt":"2026-10-30T06:59:59","slug":"sebis-push-for-online-nri-account-opening-whats-changing-and-how-navia-makes-it-easy","status":"publish","type":"post","link":"https:\/\/navia.co.in\/blog\/sebis-push-for-online-nri-account-opening-whats-changing-and-how-navia-makes-it-easy\/","title":{"rendered":"SEBI&#8217;s Push for Online NRI Account Opening: What&#8217;s Changing and How Navia Makes It Easy"},"content":{"rendered":"<style>@import url(\"https:\/\/fonts.googleapis.com\/css2?family=Sora:wght@600;700;800&family=Manrope:wght@400;500;600;700&display=swap\");.nv-blog,.nv-blog p,.nv-blog li,.nv-blog span,.nv-blog div,.nv-blog td,.nv-blog th{font-family:Manrope,system-ui,sans-serif}.nv-blog h2,.nv-blog h3{font-family:Sora,sans-serif !important}.nv-blog a{color:#223872;text-decoration:none;font-weight:700}.nv-blog a:hover{color:#ED4D37}.nv-blog summary::-webkit-details-marker{display:none}.nv-blog details[open] .nv-chev{transform:rotate(180deg)}.nv-blog table th,.nv-blog table td{border:0}<\/style>\n<div class=\"nv-blog\" style=\"margin:0 !important;padding:0 !important;font-family:Manrope,system-ui,sans-serif;color:#1B2133;-webkit-font-smoothing:antialiased\">\n<div style=\"background:#FFFFFF;margin:0 !important;padding:0 !important\"><main style=\"max-width:1180px;margin:0 auto !important;padding:0 24px !important\"><\/p>\n<div style=\"margin:0 !important;padding:0 0 72px !important\">\n<article style=\"min-width:0;max-width:760px;margin:0 auto !important;padding:0 !important\">\n<div style=\"display:flex;flex-direction:column;gap:18px;font-size:17px;line-height:1.75;color:#2A3145;text-wrap:pretty\">\n<p style=\"margin:0\">For years, opening a <a href=\"https:\/\/navia.co.in\/nri?utm_source=navia_blog&amp;utm_medium=interlink&amp;utm_campaign=sebi-online-nri-account-opening-digital-kyc&amp;utm_content=nri-demat-account\" style=\"color:#223872;text-decoration:none;font-weight:700\">Demat Account for NRI<\/a> investors has meant printing forms, getting copies attested abroad and couriering documents to India. Resident investors, meanwhile, open accounts in minutes with Aadhaar e-sign.<\/p>\n<p style=\"margin:0\">That gap may finally close. In August 2026, SEBI released a consultation paper proposing fully digital onboarding for NRIs, OCIs and foreign nationals living abroad. Here is what the proposal says, when it is likely to apply, and how Navia keeps NRI account opening as simple as possible until then.<\/p>\n<\/div>\n<section id=\"quick-answer\" aria-labelledby=\"qa-h\" style=\"margin-top:24px !important;background:#EEF1F8;border-radius:14px;padding:26px 28px;display:flex;flex-direction:column;gap:12px\">\n<h2 id=\"qa-h\" style=\"margin:0;font-family:Sora,sans-serif;font-size:13px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:#223872\">Quick answer<\/h2>\n<p style=\"margin:0;font-size:17px;line-height:1.7;color:#1B2133;text-wrap:pretty\">SEBI\u2019s consultation paper of 14 August 2026 proposes that <strong>NRIs in FATF-compliant countries can complete KYC online from abroad<\/strong>, using e-signatures and video verification. Comments closed on 4 September 2026 and the final circular is awaited. <strong>The draft says the rules would apply 30 days after the circular is issued.<\/strong> Until then, first-time NRI onboarding still needs physical documents, and Navia\u2019s NRI desk handles most of the work for you.<\/p>\n<\/section>\n<div style=\"margin-top:20px\">\n<aside aria-label=\"Open an account\" style=\"margin:8px 0;background:#0E1430;border-radius:16px;padding:26px 28px;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:18px\">\n<div style=\"flex:1 1 300px;display:flex;flex-direction:column;gap:6px\">\n<div style=\"margin:0 !important;font-family:Sora,sans-serif;font-size:20px;line-height:1.35;color:#FFFFFF;font-weight:700\">Opening an NRI Demat Account?<\/div>\n<div style=\"margin:0 !important;font-size:15px;line-height:1.6;color:#C9D1E6\">Navia\u2019s NRI desk guides you from checklist to activation, with a single courier from abroad.<\/div>\n<\/div>\n<p><a href=\"https:\/\/navia.co.in\/nri?utm_source=navia_blog&amp;utm_medium=interlink&amp;utm_campaign=sebi-online-nri-account-opening-digital-kyc&amp;utm_content=open-nri-account-top\" style=\"background:#ED4D37;color:#FFFFFF;font-weight:700;font-size:15px;padding:13px 22px;border-radius:10px;white-space:nowrap;text-decoration:none\">Open NRI Account \u2192<\/a><\/aside>\n<\/div>\n<section id=\"key-takeaways\" aria-labelledby=\"kt-h\" style=\"margin-top:20px;border:1px solid #E3E6EF;border-radius:14px;padding:26px 28px\">\n<h2 id=\"kt-h\" style=\"margin:0 0 14px;font-family:Sora,sans-serif;font-size:20px;font-weight:700;color:#223872\">Key takeaways<\/h2>\n<div style=\"font-size:16px;line-height:1.6\">\n<div style=\"margin:0 !important;padding:0 !important;display:flex;flex-direction:column;gap:10px\">\n<div style=\"display:flex;gap:12px;margin:0 !important;padding:0 !important\"><span style=\"flex:none;width:7px;height:7px;margin-top:11px;background:#ED4D37;border-radius:2px\"><\/span><span>Today, digital onboarding of a new NRI client is allowed only when the client is located in India.<\/span><\/div>\n<div style=\"display:flex;gap:12px;margin:0 !important;padding:0 !important\"><span style=\"flex:none;width:7px;height:7px;margin-top:11px;background:#ED4D37;border-radius:2px\"><\/span><span>Since 10 December 2025, existing NRI clients can complete re-KYC digitally from abroad.<\/span><\/div>\n<div style=\"display:flex;gap:12px;margin:0 !important;padding:0 !important\"><span style=\"flex:none;width:7px;height:7px;margin-top:11px;background:#ED4D37;border-radius:2px\"><\/span><span>SEBI\u2019s 14 August 2026 consultation paper proposes e-signatures, video verification and portable KYC for NRIs in FATF-compliant countries.<\/span><\/div>\n<div style=\"display:flex;gap:12px;margin:0 !important;padding:0 !important\"><span style=\"flex:none;width:7px;height:7px;margin-top:11px;background:#ED4D37;border-radius:2px\"><\/span><span>Comments closed on 4 September 2026; the final circular is awaited and would apply 30 days after issue, as per the draft.<\/span><\/div>\n<div style=\"display:flex;gap:12px;margin:0 !important;padding:0 !important\"><span style=\"flex:none;width:7px;height:7px;margin-top:11px;background:#ED4D37;border-radius:2px\"><\/span><span>Navia\u2019s online registration, document checklist and scan-first review keep NRI account opening as close to paperless as current rules allow.<\/span><\/div>\n<\/div>\n<\/div>\n<\/section>\n<nav aria-label=\"Table of contents\" style=\"margin-top:20px;background:#F6F7FB;border-radius:14px;padding:22px 24px\">\n<p style=\"margin:0 0 10px;font-family:Sora,sans-serif;font-size:13px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:#223872\">In this article<\/p>\n<ol style=\"margin:0;padding-left:20px;display:flex;flex-direction:column;gap:8px;font-size:15px;line-height:1.45\">\n<li><a href=\"#why-paper\" style=\"color:#1B2133;text-decoration:none;font-weight:700\">Why NRI Account Opening Has Been Paper-Heavy So Far<\/a><\/li>\n<li><a href=\"#sebi-buzz\" style=\"color:#1B2133;text-decoration:none;font-weight:700\">The SEBI Buzz: What Has Changed and What Is Proposed<\/a><\/li>\n<li><a href=\"#when\" style=\"color:#1B2133;text-decoration:none;font-weight:700\">When Will Online NRI Account Opening Actually Start?<\/a><\/li>\n<li><a href=\"#navia-today\" style=\"color:#1B2133;text-decoration:none;font-weight:700\">How Navia Makes NRI Account Opening Easy Today<\/a><\/li>\n<li><a href=\"#why-navia\" style=\"color:#1B2133;text-decoration:none;font-weight:700\">Why Choose Navia for Your NRI Demat Account?<\/a><\/li>\n<li><a href=\"#conclusion\" style=\"color:#1B2133;text-decoration:none;font-weight:700\">Conclusion<\/a><\/li>\n<li><a href=\"#faq\" style=\"color:#1B2133;text-decoration:none;font-weight:700\">Frequently Asked Questions<\/a><\/li>\n<\/ol>\n<\/nav>\n<div style=\"display:flex;flex-direction:column;gap:18px;font-size:17px;line-height:1.75;color:#2A3145;text-wrap:pretty\">\n<h2 id=\"why-paper\" style=\"margin:40px 0 0;font-family:Sora,sans-serif;font-size:clamp(23px,2.6vw,28px);font-weight:700;line-height:1.3;color:#223872;scroll-margin-top:24px\">Why NRI Account Opening Has Been Paper-Heavy So Far<\/h2>\n<p style=\"margin:0\">The hurdle is one rule in SEBI\u2019s KYC Master Circular. <strong>Digital onboarding of a non-resident client is allowed only when the client\u2019s location is in India at the time of onboarding<\/strong>, checked through GPS coordinates.<\/p>\n<p style=\"margin:0\">So an NRI living in Dubai, London or Singapore cannot use the e-sign, DigiLocker and video verification route that residents use. Instead, they follow the physical route:<\/p>\n<div style=\"margin:0 !important;padding:0 !important;display:flex;flex-direction:column;gap:10px\">\n<div style=\"display:flex;gap:12px;margin:0 !important;padding:0 !important\"><span style=\"flex:none;width:7px;height:7px;margin-top:11px;background:#ED4D37;border-radius:2px\"><\/span><span>Fill and sign the KYC form by hand<\/span><\/div>\n<div style=\"display:flex;gap:12px;margin:0 !important;padding:0 !important\"><span style=\"flex:none;width:7px;height:7px;margin-top:11px;background:#ED4D37;border-radius:2px\"><\/span><span>Get copies of passport, visa and address proof certified by an overseas branch of an Indian bank, a notary, a magistrate or the Indian Embassy\/Consulate<\/span><\/div>\n<div style=\"display:flex;gap:12px;margin:0 !important;padding:0 !important\"><span style=\"flex:none;width:7px;height:7px;margin-top:11px;background:#ED4D37;border-radius:2px\"><\/span><span>Courier the signed form and certified copies to the broker in India<\/span><\/div>\n<div style=\"display:flex;gap:12px;margin:0 !important;padding:0 !important\"><span style=\"flex:none;width:7px;height:7px;margin-top:11px;background:#ED4D37;border-radius:2px\"><\/span><span>Wait for the broker to verify the originals and upload the record to the KRA<\/span><\/div>\n<\/div>\n<figure style=\"margin:8px 0 !important;padding:0 !important;display:flex;flex-direction:column;gap:10px\">\n<div style=\"width:100%;aspect-ratio:1200\/675;border-radius:14px;overflow:hidden;background:#F4F6FB\"><img 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\" alt=\"The physical KYC route for NRIs today: sign by hand, certify copies, courier to India, wait for KRA upload\" loading=\"lazy\" decoding=\"async\" style=\"display:block;width:100%;height:100%;object-fit:cover;margin:0 !important\"><\/div><figcaption style=\"font-size:13px;line-height:1.5;color:#5A6378;margin:0 !important\">The four-step physical route NRIs follow today.<\/figcaption><\/figure>\n<p style=\"margin:0\">Each step adds days, courier costs and the risk of a document being rejected for a missing signature.<\/p>\n<h2 id=\"sebi-buzz\" style=\"margin:40px 0 0;font-family:Sora,sans-serif;font-size:clamp(23px,2.6vw,28px);font-weight:700;line-height:1.3;color:#223872;scroll-margin-top:24px\">The SEBI Buzz: What Has Changed and What Is Proposed<\/h2>\n<p style=\"margin:0\">SEBI has been easing NRI KYC in stages. One change is already in force; the bigger one is still a proposal.<\/p>\n<h3 style=\"margin:16px 0 0;font-family:Sora,sans-serif;font-size:19px;font-weight:700;line-height:1.4;color:#1B2133\">Already in force: Re-KYC from abroad (December 2025)<\/h3>\n<p style=\"margin:0\">On 10 December 2025, SEBI issued <a href=\"https:\/\/www.sebi.gov.in\/sebi_data\/attachdocs\/dec-2025\/1765366958310.pdf\" target=\"_blank\" rel=\"noopener\" style=\"color:#223872;text-decoration:none;font-weight:700\">a circular<\/a> removing the \u201cmust be in India\u201d condition for existing NRI clients doing re-KYC or KYC modification digitally. Geo-tagging still applies, but the GPS location only has to match the country in the client\u2019s address proof. <strong>This relief does not cover first-time account opening.<\/strong><\/p>\n<h3 style=\"margin:16px 0 0;font-family:Sora,sans-serif;font-size:19px;font-weight:700;line-height:1.4;color:#1B2133\">Proposed: Fully digital onboarding for new NRI clients (August 2026)<\/h3>\n<p style=\"margin:0\">On 14 August 2026, SEBI published <a href=\"https:\/\/www.sebi.gov.in\/reports-and-statistics\/reports\/aug-2026\/consultation-paper-on-review-of-know-your-client-process-for-individual-persons-resident-outside-india_103653.html\" target=\"_blank\" rel=\"noopener\" style=\"color:#223872;text-decoration:none;font-weight:700\">a consultation paper<\/a> on reviewing KYC for individual Persons Resident Outside India (PROIs): NRIs, OCIs and foreign nationals living abroad. The key proposals:<\/p>\n<figure style=\"margin:8px 0 !important;padding:0 !important;display:flex;flex-direction:column;gap:10px\">\n<div style=\"width:100%;aspect-ratio:1200\/675;border-radius:14px;overflow:hidden;background:#F4F6FB\"><img 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\" alt=\"NRI KYC today versus SEBI\u2019s August 2026 proposal\" loading=\"lazy\" decoding=\"async\" style=\"display:block;width:100%;height:100%;object-fit:cover;margin:0 !important\"><\/div><figcaption style=\"font-size:13px;line-height:1.5;color:#5A6378;margin:0 !important\">How SEBI\u2019s proposal changes each part of NRI KYC.<\/figcaption><\/figure>\n<div style=\"overflow-x:auto;border:1px solid #E3E6EF;border-radius:12px\">\n<table style=\"width:100%;min-width:560px;border-collapse:collapse;font-size:15px;line-height:1.5;margin:0 !important\">\n<caption style=\"caption-side:bottom;text-align:left;padding:10px 16px;font-size:13px;color:#5A6378;background:#F6F7FB\">SEBI consultation paper on KYC for PROIs, 14 August 2026. Proposals are subject to change until the final circular.<\/caption>\n<thead>\n<tr style=\"background:#0E1430;color:#FFFFFF;text-align:left\">\n<th scope=\"col\" style=\"padding:13px 16px;font-weight:700;border:0\">Area<\/th>\n<th scope=\"col\" style=\"padding:13px 16px;font-weight:700;border:0\">Today (NRI outside India)<\/th>\n<th scope=\"col\" style=\"padding:13px 16px;font-weight:700;border:0\">Proposed<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"border-top:1px solid #E3E6EF\">\n<th scope=\"row\" style=\"padding:12px 16px;text-align:left;font-weight:600;color:#1B2133;vertical-align:top;border:0\">Location<\/th>\n<td style=\"padding:12px 16px;vertical-align:top;border:0\">Digital route only if physically in India<\/td>\n<td style=\"padding:12px 16px;vertical-align:top;border:0\">Digital route from any FATF-compliant country<\/td>\n<\/tr>\n<tr style=\"border-top:1px solid #E3E6EF;background:#FAFBFD\">\n<th scope=\"row\" style=\"padding:12px 16px;text-align:left;font-weight:600;color:#1B2133;vertical-align:top;border:0\">KYC form<\/th>\n<td style=\"padding:12px 16px;vertical-align:top;border:0\">Signed by hand and couriered<\/td>\n<td style=\"padding:12px 16px;vertical-align:top;border:0\">Submitted online with an electronic signature<\/td>\n<\/tr>\n<tr style=\"border-top:1px solid #E3E6EF\">\n<th scope=\"row\" style=\"padding:12px 16px;text-align:left;font-weight:600;color:#1B2133;vertical-align:top;border:0\">Signature<\/th>\n<td style=\"padding:12px 16px;vertical-align:top;border:0\">Wet signature on paper<\/td>\n<td style=\"padding:12px 16px;vertical-align:top;border:0\">Cropped specimen signature, confirmed during video verification<\/td>\n<\/tr>\n<tr style=\"border-top:1px solid #E3E6EF;background:#FAFBFD\">\n<th scope=\"row\" style=\"padding:12px 16px;text-align:left;font-weight:600;color:#1B2133;vertical-align:top;border:0\">Documents<\/th>\n<td style=\"padding:12px 16px;vertical-align:top;border:0\">Certified copies by bank, notary or embassy<\/td>\n<td style=\"padding:12px 16px;vertical-align:top;border:0\">Digital submission, including DigiLocker or digital Aadhaar where available<\/td>\n<\/tr>\n<tr style=\"border-top:1px solid #E3E6EF\">\n<th scope=\"row\" style=\"padding:12px 16px;text-align:left;font-weight:600;color:#1B2133;vertical-align:top;border:0\">In-person verification<\/th>\n<td style=\"padding:12px 16px;vertical-align:top;border:0\">Physical IPV<\/td>\n<td style=\"padding:12px 16px;vertical-align:top;border:0\">Video In-Person Verification (VIPV)<\/td>\n<\/tr>\n<tr style=\"border-top:1px solid #E3E6EF;background:#FAFBFD\">\n<th scope=\"row\" style=\"padding:12px 16px;text-align:left;font-weight:600;color:#1B2133;vertical-align:top;border:0\">Portability<\/th>\n<td style=\"padding:12px 16px;vertical-align:top;border:0\">KYC often repeated with each intermediary<\/td>\n<td style=\"padding:12px 16px;vertical-align:top;border:0\">Intermediaries may rely on KYC done by other regulated entities<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p style=\"margin:0\">Video verification would come with safeguards: liveness and anti-spoofing checks, random actions by the client, live GPS coordinates, end-to-end encryption, blocking of spoofed IP addresses and concurrent audits. Clients living in FATF non-compliant countries would be excluded.<\/p>\n<p style=\"margin:0\">The push also fits a wider policy shift. The Union Budget FY2026-27 widened access to the Portfolio Investment Scheme, and a June 2026 FEMA amendment let foreign nationals invest in Indian securities without the FPI route.<\/p>\n<h2 id=\"when\" style=\"margin:40px 0 0;font-family:Sora,sans-serif;font-size:clamp(23px,2.6vw,28px);font-weight:700;line-height:1.3;color:#223872;scroll-margin-top:24px\">When Will Online NRI Account Opening Actually Start?<\/h2>\n<p style=\"margin:0\">SEBI has not fixed a date, and as of 26 October 2026 the final circular has not been issued. But the path is fairly clear.<\/p>\n<figure style=\"margin:8px 0 !important;padding:0 !important;display:flex;flex-direction:column;gap:10px\">\n<div style=\"width:100%;aspect-ratio:1200\/675;border-radius:14px;overflow:hidden;background:#F4F6FB\"><img 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\" alt=\"Timeline of SEBI\u2019s NRI KYC changes from October 2025 to the expected go-live\" loading=\"lazy\" decoding=\"async\" style=\"display:block;width:100%;height:100%;object-fit:cover;margin:0 !important\"><\/div><figcaption style=\"font-size:13px;line-height:1.5;color:#5A6378;margin:0 !important\">Milestones and status as of 26 October 2026.<\/figcaption><\/figure>\n<div style=\"overflow-x:auto;border:1px solid #E3E6EF;border-radius:12px\">\n<table style=\"width:100%;min-width:560px;border-collapse:collapse;font-size:15px;line-height:1.5;margin:0 !important\">\n<caption style=\"caption-side:bottom;text-align:left;padding:10px 16px;font-size:13px;color:#5A6378;background:#F6F7FB\">Status as of 26 October 2026.<\/caption>\n<thead>\n<tr style=\"background:#0E1430;color:#FFFFFF;text-align:left\">\n<th scope=\"col\" style=\"padding:13px 16px;font-weight:700;border:0\">Date<\/th>\n<th scope=\"col\" style=\"padding:13px 16px;font-weight:700;border:0\">Milestone<\/th>\n<th scope=\"col\" style=\"padding:13px 16px;font-weight:700;border:0\">Status<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"border-top:1px solid #E3E6EF\">\n<th scope=\"row\" style=\"padding:12px 16px;text-align:left;font-weight:600;color:#1B2133;vertical-align:top;border:0\">23 Oct 2025<\/th>\n<td style=\"padding:12px 16px;vertical-align:top;border:0\">Draft circular on re-KYC geo-tagging relief<\/td>\n<td style=\"padding:12px 16px;vertical-align:top;border:0\"><span style=\"display:inline-block;padding:3px 10px;border-radius:999px;background:#EEF1F8;color:#223872;font-size:13px;font-weight:700;white-space:nowrap\">Done<\/span><\/td>\n<\/tr>\n<tr style=\"border-top:1px solid #E3E6EF;background:#FAFBFD\">\n<th scope=\"row\" style=\"padding:12px 16px;text-align:left;font-weight:600;color:#1B2133;vertical-align:top;border:0\">10 Dec 2025<\/th>\n<td style=\"padding:12px 16px;vertical-align:top;border:0\">Final re-KYC circular for existing NRI clients<\/td>\n<td style=\"padding:12px 16px;vertical-align:top;border:0\"><span style=\"display:inline-block;padding:3px 10px;border-radius:999px;background:#E6F4EA;color:#1E6B3A;font-size:13px;font-weight:700;white-space:nowrap\">In force<\/span><\/td>\n<\/tr>\n<tr style=\"border-top:1px solid #E3E6EF\">\n<th scope=\"row\" style=\"padding:12px 16px;text-align:left;font-weight:600;color:#1B2133;vertical-align:top;border:0\">14 Aug 2026<\/th>\n<td style=\"padding:12px 16px;vertical-align:top;border:0\">Consultation paper on digital onboarding for new PROI clients<\/td>\n<td style=\"padding:12px 16px;vertical-align:top;border:0\"><span style=\"display:inline-block;padding:3px 10px;border-radius:999px;background:#EEF1F8;color:#223872;font-size:13px;font-weight:700;white-space:nowrap\">Done<\/span><\/td>\n<\/tr>\n<tr style=\"border-top:1px solid #E3E6EF;background:#FAFBFD\">\n<th scope=\"row\" style=\"padding:12px 16px;text-align:left;font-weight:600;color:#1B2133;vertical-align:top;border:0\">4 Sep 2026<\/th>\n<td style=\"padding:12px 16px;vertical-align:top;border:0\">Last date for public comments<\/td>\n<td style=\"padding:12px 16px;vertical-align:top;border:0\"><span style=\"display:inline-block;padding:3px 10px;border-radius:999px;background:#EEF1F8;color:#223872;font-size:13px;font-weight:700;white-space:nowrap\">Closed<\/span><\/td>\n<\/tr>\n<tr style=\"border-top:1px solid #E3E6EF\">\n<th scope=\"row\" style=\"padding:12px 16px;text-align:left;font-weight:600;color:#1B2133;vertical-align:top;border:0\">Awaited<\/th>\n<td style=\"padding:12px 16px;vertical-align:top;border:0\">Final SEBI circular on digital onboarding<\/td>\n<td style=\"padding:12px 16px;vertical-align:top;border:0\"><span style=\"display:inline-block;padding:3px 10px;border-radius:999px;background:#FDF2F0;color:#B23A28;font-size:13px;font-weight:700;white-space:nowrap\">Pending<\/span><\/td>\n<\/tr>\n<tr style=\"border-top:1px solid #E3E6EF;background:#FAFBFD\">\n<th scope=\"row\" style=\"padding:12px 16px;text-align:left;font-weight:600;color:#1B2133;vertical-align:top;border:0\">Circular + 30 days<\/th>\n<td style=\"padding:12px 16px;vertical-align:top;border:0\">New rules apply, as per the draft<\/td>\n<td style=\"padding:12px 16px;vertical-align:top;border:0\"><span style=\"display:inline-block;padding:3px 10px;border-radius:999px;background:#FDF2F0;color:#B23A28;font-size:13px;font-weight:700;white-space:nowrap\">Pending<\/span><\/td>\n<\/tr>\n<tr style=\"border-top:1px solid #E3E6EF\">\n<th scope=\"row\" style=\"padding:12px 16px;text-align:left;font-weight:600;color:#1B2133;vertical-align:top;border:0\">After that<\/th>\n<td style=\"padding:12px 16px;vertical-align:top;border:0\">Brokers build and launch video KYC systems<\/td>\n<td style=\"padding:12px 16px;vertical-align:top;border:0\"><span style=\"display:inline-block;padding:3px 10px;border-radius:999px;background:#FDF2F0;color:#B23A28;font-size:13px;font-weight:700;white-space:nowrap\">Pending<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p style=\"margin:0\">The re-KYC relief went from draft to final circular in about seven weeks. If SEBI moves at a similar pace, the final circular could arrive in the coming months. Brokers will then need time to build and test compliant video verification systems, so a realistic window for fully online NRI account opening is <strong>early to mid-2027<\/strong>. This is an estimate, not a SEBI timeline.<\/p>\n<p style=\"margin:0\">Navia will update NRI clients as soon as the final circular is issued and the new process is live.<\/p>\n<h2 id=\"navia-today\" style=\"margin:40px 0 0;font-family:Sora,sans-serif;font-size:clamp(23px,2.6vw,28px);font-weight:700;line-height:1.3;color:#223872;scroll-margin-top:24px\">How Navia Makes NRI Account Opening Easy Today<\/h2>\n<p style=\"margin:0\">Until SEBI\u2019s new rules take effect, some physical paperwork is unavoidable for first-time NRI onboarding. Navia\u2019s approach is to move everything else online and make the paper part a one-time, right-first-time step.<\/p>\n<h3 style=\"margin:16px 0 0;font-family:Sora,sans-serif;font-size:19px;font-weight:700;line-height:1.4;color:#1B2133\">Step-by-Step: Opening Your NRI Demat Account with Navia<\/h3>\n<figure style=\"margin:8px 0 !important;padding:0 !important;display:flex;flex-direction:column;gap:10px\">\n<div style=\"width:100%;aspect-ratio:1200\/675;border-radius:14px;overflow:hidden;background:#F4F6FB\"><img 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\" alt=\"Six steps to open an NRI Demat Account with Navia: scan first, courier once\" loading=\"lazy\" decoding=\"async\" style=\"display:block;width:100%;height:100%;object-fit:cover;margin:0 !important\"><\/div><figcaption style=\"font-size:13px;line-height:1.5;color:#5A6378;margin:0 !important\">Navia\u2019s scan-first, courier-once process.<\/figcaption><\/figure>\n<div style=\"border:1px solid #E3E6EF;border-radius:14px;overflow:hidden;margin:0 !important;padding:0 !important\">\n<div style=\"display:flex;gap:16px;padding:16px 20px;margin:0 !important;\"><span style=\"flex:none;width:32px;height:32px;border-radius:9px;background:#0E1430;color:#FFFFFF;font-family:Sora,sans-serif;font-weight:700;font-size:14px;display:flex;align-items:center;justify-content:center\">1<\/span><\/p>\n<p style=\"margin:0;padding-top:2px\"><strong style=\"color:#1B2133\">Register online in minutes:<\/strong> On <a href=\"https:\/\/navia.co.in\/nri?utm_source=navia_blog&amp;utm_medium=interlink&amp;utm_campaign=sebi-online-nri-account-opening-digital-kyc&amp;utm_content=nri-page-register\" style=\"color:#223872;text-decoration:none;font-weight:700\">Navia\u2019s NRI page<\/a>, choose your account type (NRO Equity &amp; F&amp;O, NRO Equity, NRE Equity or Foreign National), enter your PAN and date of birth, and your existing KRA details are fetched automatically.<\/p>\n<\/div>\n<div style=\"display:flex;gap:16px;padding:16px 20px;margin:0 !important;border-top:1px solid #E3E6EF\"><span style=\"flex:none;width:32px;height:32px;border-radius:9px;background:#0E1430;color:#FFFFFF;font-family:Sora,sans-serif;font-weight:700;font-size:14px;display:flex;align-items:center;justify-content:center\">2<\/span><\/p>\n<p style=\"margin:0;padding-top:2px\"><strong style=\"color:#1B2133\">Get a personalised checklist:<\/strong> Navia\u2019s NRI desk shares a precise document list for your country of residence and account type, so you prepare only what applies to you.<\/p>\n<\/div>\n<div style=\"display:flex;gap:16px;padding:16px 20px;margin:0 !important;border-top:1px solid #E3E6EF\"><span style=\"flex:none;width:32px;height:32px;border-radius:9px;background:#0E1430;color:#FFFFFF;font-family:Sora,sans-serif;font-weight:700;font-size:14px;display:flex;align-items:center;justify-content:center\">3<\/span><\/p>\n<p style=\"margin:0;padding-top:2px\"><strong style=\"color:#1B2133\">Email scanned copies first:<\/strong> Send scans of your forms and documents. The NRI team checks them and points out corrections before anything is posted.<\/p>\n<\/div>\n<div style=\"display:flex;gap:16px;padding:16px 20px;margin:0 !important;border-top:1px solid #E3E6EF\"><span style=\"flex:none;width:32px;height:32px;border-radius:9px;background:#0E1430;color:#FFFFFF;font-family:Sora,sans-serif;font-weight:700;font-size:14px;display:flex;align-items:center;justify-content:center\">4<\/span><\/p>\n<p style=\"margin:0;padding-top:2px\"><strong style=\"color:#1B2133\">Courier once:<\/strong> Only after the scans are approved do you courier the signed originals, which avoids repeat shipments from abroad.<\/p>\n<\/div>\n<div style=\"display:flex;gap:16px;padding:16px 20px;margin:0 !important;border-top:1px solid #E3E6EF\"><span style=\"flex:none;width:32px;height:32px;border-radius:9px;background:#0E1430;color:#FFFFFF;font-family:Sora,sans-serif;font-weight:700;font-size:14px;display:flex;align-items:center;justify-content:center\">5<\/span><\/p>\n<p style=\"margin:0;padding-top:2px\"><strong style=\"color:#1B2133\">Navia handles the rest:<\/strong> The team processes the KRA upload and regulatory steps, and keeps you updated until your account is active.<\/p>\n<\/div>\n<div style=\"display:flex;gap:16px;padding:16px 20px;margin:0 !important;border-top:1px solid #E3E6EF\"><span style=\"flex:none;width:32px;height:32px;border-radius:9px;background:#0E1430;color:#FFFFFF;font-family:Sora,sans-serif;font-weight:700;font-size:14px;display:flex;align-items:center;justify-content:center\">6<\/span><\/p>\n<p style=\"margin:0;padding-top:2px\"><strong style=\"color:#1B2133\">Go fully online after activation:<\/strong> From then on, you invest, add funds, track holdings and manage your account entirely online from any country.<\/p>\n<\/div>\n<\/div>\n<h3 style=\"margin:16px 0 0;font-family:Sora,sans-serif;font-size:19px;font-weight:700;line-height:1.4;color:#1B2133\">What Is Already Paperless at Navia<\/h3>\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,260px),1fr));gap:12px;margin:4px 0\">\n<div style=\"border:1px solid #E3E6EF;border-radius:14px;padding:16px 18px;display:flex;flex-direction:column;gap:6px;background:#FFFFFF\">\n<div style=\"margin:0 !important;padding:0 !important;font-family:Sora,sans-serif;font-size:16px;line-height:1.4;color:#14204A;font-weight:700\">KYC reuse<\/div>\n<div style=\"margin:0 !important;padding:0 !important;font-size:15px;line-height:1.55;color:#3B4050\">If you are already KYC-registered with a KRA, your details are pulled in, so you do not repeat the full KYC.<\/div>\n<\/div>\n<div style=\"border:1px solid #E3E6EF;border-radius:14px;padding:16px 18px;display:flex;flex-direction:column;gap:6px;background:#FFFFFF\">\n<div style=\"margin:0 !important;padding:0 !important;font-family:Sora,sans-serif;font-size:16px;line-height:1.4;color:#14204A;font-weight:700\">Re-KYC from abroad<\/div>\n<div style=\"margin:0 !important;padding:0 !important;font-size:15px;line-height:1.55;color:#3B4050\">Following SEBI\u2019s December 2025 circular, existing NRI clients can update KYC details digitally without travelling to India.<\/div>\n<\/div>\n<div style=\"border:1px solid #E3E6EF;border-radius:14px;padding:16px 18px;display:flex;flex-direction:column;gap:6px;background:#FFFFFF\">\n<div style=\"margin:0 !important;padding:0 !important;font-family:Sora,sans-serif;font-size:16px;line-height:1.4;color:#14204A;font-weight:700\">F&amp;O activation by email<\/div>\n<div style=\"margin:0 !important;padding:0 !important;font-size:15px;line-height:1.55;color:#3B4050\">Existing NRO clients enable derivatives by emailing <a href=\"mailto:nrihelpdesk@navia.co.in\" style=\"color:#223872;text-decoration:none;font-weight:700\">nrihelpdesk@navia.co.in<\/a> with income proof, activated within one working day.<\/div>\n<\/div>\n<div style=\"border:1px solid #E3E6EF;border-radius:14px;padding:16px 18px;display:flex;flex-direction:column;gap:6px;background:#FFFFFF\">\n<div style=\"margin:0 !important;padding:0 !important;font-family:Sora,sans-serif;font-size:16px;line-height:1.4;color:#14204A;font-weight:700\">Online fund transfer<\/div>\n<div style=\"margin:0 !important;padding:0 !important;font-size:15px;line-height:1.55;color:#3B4050\">NRO accounts can be funded online through the payment gateway.<\/div>\n<\/div>\n<div style=\"border:1px solid #E3E6EF;border-radius:14px;padding:16px 18px;display:flex;flex-direction:column;gap:6px;background:#FFFFFF\">\n<div style=\"margin:0 !important;padding:0 !important;font-family:Sora,sans-serif;font-size:16px;line-height:1.4;color:#14204A;font-weight:700\">RI to NRI conversion without closure<\/div>\n<div style=\"margin:0 !important;padding:0 !important;font-size:15px;line-height:1.55;color:#3B4050\">Investors who move abroad can convert their existing account instead of opening a new one. See our guide on <a href=\"https:\/\/navia.co.in\/blog\/what-happens-to-your-existing-ri-demat-account-after-becoming-an-nri\/?utm_source=navia_blog&amp;utm_medium=interlink&amp;utm_campaign=sebi-online-nri-account-opening-digital-kyc&amp;utm_content=ri-to-nri-demat-guide\" style=\"color:#223872;text-decoration:none;font-weight:700\">what happens to your RI Demat Account after becoming an NRI<\/a>.<\/div>\n<\/div>\n<div style=\"border:1px solid #E3E6EF;border-radius:14px;padding:16px 18px;display:flex;flex-direction:column;gap:6px;background:#FFFFFF\">\n<div style=\"margin:0 !important;padding:0 !important;font-family:Sora,sans-serif;font-size:16px;line-height:1.4;color:#14204A;font-weight:700\">Tax filing help<\/div>\n<div style=\"margin:0 !important;padding:0 !important;font-size:15px;line-height:1.55;color:#3B4050\">Navia assists NRI clients with filing their Indian Income Tax Returns.<\/div>\n<\/div>\n<\/div>\n<h2 id=\"why-navia\" style=\"margin:40px 0 0;font-family:Sora,sans-serif;font-size:clamp(23px,2.6vw,28px);font-weight:700;line-height:1.3;color:#223872;scroll-margin-top:24px\">Why Choose Navia for Your NRI Demat Account?<\/h2>\n<p style=\"margin:0\">Whether you open your account today or after the new rules go live, Navia keeps the experience simple and low-cost. Here\u2019s why NRIs choose Navia:<\/p>\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,260px),1fr));gap:12px;margin:4px 0\">\n<div style=\"border:1px solid #E3E6EF;border-radius:14px;padding:16px 18px;display:flex;flex-direction:column;gap:6px;background:#FFFFFF\">\n<div style=\"margin:0 !important;padding:0 !important;font-family:Sora,sans-serif;font-size:16px;line-height:1.4;color:#14204A;font-weight:700\">Dedicated NRI Desk<\/div>\n<div style=\"margin:0 !important;padding:0 !important;font-size:15px;line-height:1.55;color:#3B4050\">One-to-one support across time zones, from choosing the right account to activation.<\/div>\n<\/div>\n<div style=\"border:1px solid #E3E6EF;border-radius:14px;padding:16px 18px;display:flex;flex-direction:column;gap:6px;background:#FFFFFF\">\n<div style=\"margin:0 !important;padding:0 !important;font-family:Sora,sans-serif;font-size:16px;line-height:1.4;color:#14204A;font-weight:700\">All NRI Account Types<\/div>\n<div style=\"margin:0 !important;padding:0 !important;font-size:15px;line-height:1.55;color:#3B4050\">NRE, NRO and Foreign National accounts, with guided <a href=\"https:\/\/navia.co.in\/nri?utm_source=navia_blog&amp;utm_medium=interlink&amp;utm_campaign=sebi-online-nri-account-opening-digital-kyc&amp;utm_content=pis-non-pis\" style=\"color:#223872;text-decoration:none;font-weight:700\">PIS or non-PIS<\/a> setup.<\/div>\n<\/div>\n<div style=\"border:1px solid #E3E6EF;border-radius:14px;padding:16px 18px;display:flex;flex-direction:column;gap:6px;background:#FFFFFF\">\n<div style=\"margin:0 !important;padding:0 !important;font-family:Sora,sans-serif;font-size:16px;line-height:1.4;color:#14204A;font-weight:700\">No PIS Needed for NRO<\/div>\n<div style=\"margin:0 !important;padding:0 !important;font-size:15px;line-height:1.55;color:#3B4050\">Link any NRO savings account and avoid PIS transaction charges.<\/div>\n<\/div>\n<div style=\"border:1px solid #E3E6EF;border-radius:14px;padding:16px 18px;display:flex;flex-direction:column;gap:6px;background:#FFFFFF\">\n<div style=\"margin:0 !important;padding:0 !important;font-family:Sora,sans-serif;font-size:16px;line-height:1.4;color:#14204A;font-weight:700\">NRO F&amp;O Trading<\/div>\n<div style=\"margin:0 !important;padding:0 !important;font-size:15px;line-height:1.55;color:#3B4050\">Trade futures and options on the NRO route, with leverage, intraday and MTF available.<\/div>\n<\/div>\n<div style=\"border:1px solid #E3E6EF;border-radius:14px;padding:16px 18px;display:flex;flex-direction:column;gap:6px;background:#FFFFFF\">\n<div style=\"margin:0 !important;padding:0 !important;font-family:Sora,sans-serif;font-size:16px;line-height:1.4;color:#14204A;font-weight:700\">TDS at Zero Cost<\/div>\n<div style=\"margin:0 !important;padding:0 !important;font-size:15px;line-height:1.55;color:#3B4050\">Navia deducts TDS on NRO trades at no extra charge.<\/div>\n<\/div>\n<div style=\"border:1px solid #E3E6EF;border-radius:14px;padding:16px 18px;display:flex;flex-direction:column;gap:6px;background:#FFFFFF\">\n<div style=\"margin:0 !important;padding:0 !important;font-family:Sora,sans-serif;font-size:16px;line-height:1.4;color:#14204A;font-weight:700\">Wide Product Access<\/div>\n<div style=\"margin:0 !important;padding:0 !important;font-size:15px;line-height:1.55;color:#3B4050\">Equity, F&amp;O, mutual funds, IPOs, ESOP\/ESPS and fund remittance support.<\/div>\n<\/div>\n<div style=\"border:1px solid #E3E6EF;border-radius:14px;padding:16px 18px;display:flex;flex-direction:column;gap:6px;background:#FFFFFF\">\n<div style=\"margin:0 !important;padding:0 !important;font-family:Sora,sans-serif;font-size:16px;line-height:1.4;color:#14204A;font-weight:700\">Ready for Digital KYC<\/div>\n<div style=\"margin:0 !important;padding:0 !important;font-size:15px;line-height:1.55;color:#3B4050\">Navia will roll out the new online onboarding as soon as SEBI\u2019s final framework allows.<\/div>\n<\/div>\n<div style=\"border:1px solid #E3E6EF;border-radius:14px;padding:16px 18px;display:flex;flex-direction:column;gap:6px;background:#FFFFFF\">\n<div style=\"margin:0 !important;padding:0 !important;font-family:Sora,sans-serif;font-size:16px;line-height:1.4;color:#14204A;font-weight:700\">Trust and Experience<\/div>\n<div style=\"margin:0 !important;padding:0 !important;font-size:15px;line-height:1.55;color:#3B4050\">A SEBI-registered broker and NSE member since 1994.<\/div>\n<\/div>\n<\/div>\n<p style=\"margin:0\">For more details, visit <a href=\"https:\/\/navia.co.in\/nri?utm_source=navia_blog&amp;utm_medium=interlink&amp;utm_campaign=sebi-online-nri-account-opening-digital-kyc&amp;utm_content=nri-demat-account-page\" style=\"color:#223872;text-decoration:none;font-weight:700\">Navia\u2019s NRI Demat Account Page<\/a>.<\/p>\n<div aria-label=\"Watch video\" style=\"border:1px solid #E3E6EF;border-radius:14px;padding:18px 22px;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:14px\"><span style=\"flex:1 1 300px;font-size:16px;line-height:1.6\">Managing your Indian investments from abroad can be tricky. Watch our video to see how the Navia app simplifies NRI financial management.<\/span><a href=\"https:\/\/www.youtube.com\/watch?v=Nzmf7Bx6lLs\" target=\"_blank\" rel=\"noopener\" style=\"text-decoration:none;font-weight:700;display:flex;align-items:center;gap:8px;background:#14204A;color:#FFFFFF;padding:11px 18px;border-radius:10px;font-size:15px;white-space:nowrap\"><svg viewBox=\"0 0 24 24\" fill=\"#FFFFFF\" aria-hidden=\"true\"><path d=\"M6 4l14 8-14 8z\"><\/path><\/svg>Watch Video<\/a><\/div>\n<h2 id=\"conclusion\" style=\"margin:40px 0 0;font-family:Sora,sans-serif;font-size:clamp(23px,2.6vw,28px);font-weight:700;line-height:1.3;color:#223872;scroll-margin-top:24px\">Conclusion<\/h2>\n<p style=\"margin:0\">SEBI\u2019s August 2026 proposal is the biggest step yet towards letting NRIs open an Indian Demat Account entirely online from abroad. Until the final circular is issued and brokers go live, first-time onboarding still involves some paperwork. With Navia\u2019s NRI desk, online registration and scan-first review, that paperwork is reduced to a single, well-guided courier, and everything after activation is fully online.<\/p>\n<p><a href=\"https:\/\/navia.co.in\/nri?utm_source=navia_blog&amp;utm_medium=interlink&amp;utm_campaign=sebi-online-nri-account-opening-digital-kyc&amp;utm_content=cta-banner\" aria-label=\"Open your NRI Demat Account with Navia\" style=\"display:block !important;margin:8px 0 !important;padding:0 !important;border-radius:16px;overflow:hidden;line-height:0\"><img 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alt=\"Open your NRI Demat Account with Navia. Courier just once.\" loading=\"lazy\" decoding=\"async\" style=\"display:block;width:100%;height:auto;margin:0 !important\"><\/a><\/p>\n<p style=\"margin:0;font-size:14px;line-height:1.6;color:#5A6378;font-style:italic\">Educational content, not investment or tax advice. Confirm your residential status and tax position with a qualified adviser.<\/p>\n<div aria-label=\"Feedback\" style=\"margin:32px 0 0 !important;padding:0 !important;text-align:center\">\n<p style=\"margin:0 0 8px;text-align:center;font-size:22px;line-height:1.4;color:#1B2133;font-weight:700;font-family:inherit\"><strong style=\"font-weight:700\">Did you find this article helpful?<\/strong><\/p>\n<p style=\"margin:0;text-align:center;font-size:19px;line-height:1.5;color:#2A3145;font-family:inherit\">Your feedback helps us write better content.<\/p>\n<div style=\"text-align:center;margin:12px 0 0 !important;padding:0 !important\"><a href=\"https:\/\/feedback.navia.co.in\/blog-feedback?utm_source=navia_blog&amp;utm_medium=&amp;utm_campaign=&amp;blog_title=SEBI-Online-NRI-Account-Opening&amp;blog_date=2026-10-28\" target=\"_blank\" rel=\"noopener\" style=\"display:inline-block !important;width:320px !important;max-width:100% !important;\"><img decoding=\"async\" src=\"https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2026\/09\/Screenshot-2026-09-23-121134.png\" alt=\"Yes, helpful or Not quite\" style=\"display:block !important;width:100% !important;max-width:320px !important;height:auto !important;border:0;\"><\/a><\/div>\n<\/div>\n<h2 id=\"faq\" style=\"margin:24px 0 0 !important;padding-top:0 !important;font-family:Sora,sans-serif;font-size:clamp(23px,2.6vw,28px);font-weight:700;line-height:1.3;color:#223872;scroll-margin-top:24px\">Frequently Asked Questions<\/h2>\n<div style=\"display:flex;flex-direction:column;gap:14px;border-top:2px solid #E6E7EE;padding-top:26px\">\n<details style=\"background:#F1F1F2;border-radius:6px;margin:0 !important;padding:0 !important\">\n<summary style=\"list-style:none;cursor:pointer;display:flex !important;justify-content:space-between;align-items:center;gap:16px;padding:12px 22px !important;margin:0 !important;min-height:0 !important;line-height:1.4 !important\"><span style=\"display:block;margin:0;padding:0;font-family:Sora,sans-serif;font-size:17px;font-weight:700;line-height:1.4;color:#1B2133;flex:1 1 auto\">Can NRIs open a Demat Account fully online today?<\/span><span aria-hidden=\"true\" style=\"flex:none;font-size:16px;line-height:1;color:#1B2133;font-weight:700\">&#9662;<\/span><\/summary>\n<p style=\"margin:0;padding:0 24px 20px;font-size:16px;line-height:1.7;color:#2A3145\">Not yet for first-time accounts. Current SEBI rules allow digital onboarding only when the client is located in India. NRIs abroad still submit signed forms and certified copies.<\/p>\n<\/details>\n<details style=\"background:#F1F1F2;border-radius:6px;margin:0 !important;padding:0 !important\">\n<summary style=\"list-style:none;cursor:pointer;display:flex !important;justify-content:space-between;align-items:center;gap:16px;padding:12px 22px !important;margin:0 !important;min-height:0 !important;line-height:1.4 !important\"><span style=\"display:block;margin:0;padding:0;font-family:Sora,sans-serif;font-size:17px;font-weight:700;line-height:1.4;color:#1B2133;flex:1 1 auto\">What has SEBI proposed for NRI account opening?<\/span><span aria-hidden=\"true\" style=\"flex:none;font-size:16px;line-height:1;color:#1B2133;font-weight:700\">&#9662;<\/span><\/summary>\n<p style=\"margin:0;padding:0 24px 20px;font-size:16px;line-height:1.7;color:#2A3145\">SEBI\u2019s 14 August 2026 consultation paper proposes that NRIs, OCIs and foreign nationals in FATF-compliant countries complete KYC online, using electronic signatures and video in-person verification.<\/p>\n<\/details>\n<details style=\"background:#F1F1F2;border-radius:6px;margin:0 !important;padding:0 !important\">\n<summary style=\"list-style:none;cursor:pointer;display:flex !important;justify-content:space-between;align-items:center;gap:16px;padding:12px 22px !important;margin:0 !important;min-height:0 !important;line-height:1.4 !important\"><span style=\"display:block;margin:0;padding:0;font-family:Sora,sans-serif;font-size:17px;font-weight:700;line-height:1.4;color:#1B2133;flex:1 1 auto\">When will online NRI account opening start?<\/span><span aria-hidden=\"true\" style=\"flex:none;font-size:16px;line-height:1;color:#1B2133;font-weight:700\">&#9662;<\/span><\/summary>\n<p style=\"margin:0;padding:0 24px 20px;font-size:16px;line-height:1.7;color:#2A3145\">SEBI has not announced a date. The draft says the rules apply 30 days after the final circular. Allowing time for brokers to build video KYC systems, early to mid-2027 is a reasonable estimate.<\/p>\n<\/details>\n<details style=\"background:#F1F1F2;border-radius:6px;margin:0 !important;padding:0 !important\">\n<summary style=\"list-style:none;cursor:pointer;display:flex !important;justify-content:space-between;align-items:center;gap:16px;padding:12px 22px !important;margin:0 !important;min-height:0 !important;line-height:1.4 !important\"><span style=\"display:block;margin:0;padding:0;font-family:Sora,sans-serif;font-size:17px;font-weight:700;line-height:1.4;color:#1B2133;flex:1 1 auto\">Can existing NRI clients update KYC from abroad?<\/span><span aria-hidden=\"true\" style=\"flex:none;font-size:16px;line-height:1;color:#1B2133;font-weight:700\">&#9662;<\/span><\/summary>\n<p style=\"margin:0;padding:0 24px 20px;font-size:16px;line-height:1.7;color:#2A3145\">Yes. Since SEBI\u2019s 10 December 2025 circular, existing NRI clients can do re-KYC or KYC modification digitally without being in India.<\/p>\n<\/details>\n<details style=\"background:#F1F1F2;border-radius:6px;margin:0 !important;padding:0 !important\">\n<summary style=\"list-style:none;cursor:pointer;display:flex !important;justify-content:space-between;align-items:center;gap:16px;padding:12px 22px !important;margin:0 !important;min-height:0 !important;line-height:1.4 !important\"><span style=\"display:block;margin:0;padding:0;font-family:Sora,sans-serif;font-size:17px;font-weight:700;line-height:1.4;color:#1B2133;flex:1 1 auto\">Which NRIs will be excluded from the new digital process?<\/span><span aria-hidden=\"true\" style=\"flex:none;font-size:16px;line-height:1;color:#1B2133;font-weight:700\">&#9662;<\/span><\/summary>\n<p style=\"margin:0;padding:0 24px 20px;font-size:16px;line-height:1.7;color:#2A3145\">As proposed, investors living in FATF non-compliant countries would not be eligible for the digital route.<\/p>\n<\/details>\n<details style=\"background:#F1F1F2;border-radius:6px;margin:0 !important;padding:0 !important\">\n<summary style=\"list-style:none;cursor:pointer;display:flex !important;justify-content:space-between;align-items:center;gap:16px;padding:12px 22px !important;margin:0 !important;min-height:0 !important;line-height:1.4 !important\"><span style=\"display:block;margin:0;padding:0;font-family:Sora,sans-serif;font-size:17px;font-weight:700;line-height:1.4;color:#1B2133;flex:1 1 auto\">How does Navia reduce paperwork for NRIs now?<\/span><span aria-hidden=\"true\" style=\"flex:none;font-size:16px;line-height:1;color:#1B2133;font-weight:700\">&#9662;<\/span><\/summary>\n<p style=\"margin:0;padding:0 24px 20px;font-size:16px;line-height:1.7;color:#2A3145\">Navia offers online registration with KRA fetch, a country-specific checklist, scan-first verification before courier, and fully online account management after activation.<\/p>\n<\/details>\n<\/div>\n<footer aria-label=\"Disclaimer\" style=\"margin-top:28px;background:#F6F7FB;border-radius:12px;padding:20px 22px;display:flex;flex-direction:column;gap:10px;font-size:12.5px;line-height:1.65;color:#5A6378\">\n<p style=\"margin:0\"><strong style=\"color:#1B2133\">DISCLAIMER:<\/strong> Investments in the securities market are subject to market risks, read all the related documents carefully before investing. The securities quoted are exemplary and are not recommendatory. Brokerage will not exceed the SEBI prescribed limit. Regulatory proposals discussed here are subject to change until SEBI issues its final circular. Full disclaimer: <a href=\"https:\/\/bit.ly\/naviadisclaimer\" style=\"color:#223872;text-decoration:none;font-weight:700\">https:\/\/bit.ly\/naviadisclaimer<\/a><\/p>\n<p style=\"margin:0\">Navia Markets Ltd. &#183; SEBI Registration No. INZ000095034 &#183; NSE Member Code for CM, F&amp;O &amp; CD: 07708 &#183; BSE Clearing No. for CM, F&amp;O &amp; CD: 6341 &#183; MCX Member ID: 45345 &#183; NSDL DP ID: IN300378 &#183; CDSL DP ID: 12086500<\/p>\n<\/footer>\n<\/div>\n<\/article>\n<\/div>\n<p><\/main><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>For years, opening a Demat Account for NRI investors has meant printing forms, getting copies attested abroad and couriering documents to India. Resident investors, meanwhile, open accounts in minutes with Aadhaar e-sign. That gap may finally close. In August 2026, SEBI released a consultation paper proposing fully digital onboarding for NRIs, OCIs and foreign nationals [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":20484,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ub_ctt_via":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[251],"tags":[1315,1314,1294,1320,1316,1319,1317,1318,1321],"class_list":["post-20482","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nri","tag-demat-account-for-nri","tag-nri-account-opening-online","tag-nri-demat-account","tag-nri-kyc","tag-nro-demat-account","tag-re-kyc-for-nris","tag-sebi-consultation-paper","tag-sebi-digital-kyc","tag-video-kyc"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.1.1 - aioseo.com -->\n\t<meta name=\"description\" content=\"SEBI has proposed digital KYC for NRIs abroad. 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