I conducted a quick poll on Indian expat's (NRIs, OCIs or PIOs) experience of opening an NRI Bank Account with Indian banks. As per the results, 60% of 30 respondents find the account opening process painful. See the results below. While the process is quite streamlined and digital for Indian domestic residents (thanks to AADHAAR), it is still paper-based, time-consuming and painful for Indian overseas residents. ICICI Bank NRI Services is leading the pack by starting a 100% digital account opening process for US residents, but yet to do something similar for rest of the world. I am having talks with Indian banks to streamline this process.