Many Indians living in Australia want to stay connected to their homeland, and the Overseas Citizen of India (OCI) card is the key to making that happen.
Think of the OCI as your special pass to a deeper Indian experience. With this card, you can travel to India without a visa, own property and businesses, and even attend top-notch educational institutions.
The best part? You can keep your Australian citizenship!
But you might be wondering, “Am I eligible? How do I apply? Is it worth it?”
No worries!
This blog is here to guide you through everything you need to know about the OCI, so you can make a smart decision. We’ll cover:
- What is an OCI Card?
- Benefits of an OCI Card
- Process of applying for OCI Card
- Top FAQs related to OCI Card
What Is an OCI Card?
The Overseas Citizen of India (OCI) card isn’t a magic passport to Indian citizenship, but it’s pretty close to a golden key!
It’s a special document that opens a world of benefits for Indian-born people, but let’s be clear: it doesn’t replace your Australian citizenship.
Think of it as a special visa on steroids, granting you lifelong privileges in your homeland without compromising your Aussie identity.
Now after knowing the basics, let’s understand the benefits of OCI cards.
What Are The Top Benefits Of an OCI Card?
Here are some of the top benefits if you have an OCI card.
1 Visa-free travel, forever
Forget the long visa queues and say goodbye to airport hassles! With an OCI card, you can jump on a plane to India any time you desire a taste of home, for as long as you want.
You don’t have to run for extensions or worry about expiry dates.
2 Business and property ownership
The OCI card lets you own a business in India, invest in real estate, or even manage your ancestral property without any restrictions.
It’s your chance to build your legacy and contribute to India’s booming economy.
3 Education
Do you have kids eager to learn at India’s top universities?
The OCI card opens doors to esteemed educational institutions, allowing them to pursue their academic dreams without sacrificing their Indian heritage.
4 Banking convenience
With an OCI card, you can easily open a bank account in India, making money matters hassle-free and allowing you to manage your Indian finances with ease.
This ensures seamless transactions and financial accessibility whenever you need it.
5 Stay longer in India
Forget the 180-day limit!
The OCI card allows you to stay in India for as long as you want, without any irritating registration requirements. This allows you to enjoy culture and reconnect with family.
After we have reviewed the top benefits, the following is a checklist guide that can help you handle the OCI card process.
OCI Card Process – Your Comprehensive Guide
Who can apply for OCI Card registration?
Anyone who was a citizen of India on or after 26.01.1950, or eligible at that time, can apply.
Spouses of Indian citizens or OCI Cardholders with a registered marriage of over two years are eligible, subject to security clearance.
Can a spouse of an eligible person apply for OCI?
Yes, if eligible in their own right.
A foreign-origin spouse, married for over two years to an Indian citizen or OCI Cardholder, can apply with prior security clearance.
Can minor children apply for OCI?
Yes, unless their parents or grandparents were citizens of specified countries. Children must meet eligibility criteria.
How to apply for OCI and where to find forms?
Apply online at https://ociservices.gov.in. Forms and applications are submitted through the online system.
What documents are needed for the application?
Proof of present citizenship, evidence of address, a copy of any long-duration visa, proof of Indian origin, and documents establishing relationships, depending on the category.
What documents are needed for minors applying for OCI?
- Birth certificate
- Marriage certificate of the parents
- Copy of Indian passport or domicile certificate
- Proof of parents’ Indian citizenship
What documents are needed for spouses of foreign origin?
- Registered marriage certificate
- Spouse’s Indian passport or domicile certificate
- OCI Card
- Declaration of responsibility in case of divorce or separation
What is the application fee for OCI registration?
(a) For applications submitted abroad: US $275 or equivalent in local currency via Demand Draft.
(b) For applications submitted in India: Rs. 15,000 via Demand Draft in favour of “Pay and Accounts Officer (Secretariat), Ministry of Home Affairs,” payable at New Delhi.
What are the photo specifications for the application?
The photo should be square, minimum 51×51 mm, with 80% face coverage.
Plain light-coloured background, no border, front view of the head and shoulders.
Image dimensions: 200×200 pixels (min) to 900×900 pixels (max), JPEG/JPG format, max size 200 KB.
Is a hard copy of the application required?
No hard copies/printouts are needed.
Only bring original supporting documents to the Indian Mission/Post/FRRO for prior verification.
Where should original documents be submitted for verification?
Submit original documents to the Indian Mission/Post based on citizenship or, if residing in India, to the FRRO concerned.
Specific FRRO offices are designated for different states/UTs.
Is a personal interview required at the Indian Mission/FRRO?
Mandatory personal interviews are only for OCI applicants applying under section 7A(1)(d) (spouse basis). Other cases do not require a personal interview.
Will biometrics be captured during the application process?
Biometrics (fingerprints and face, if feasible) are mandatory for OCI applicants.
Abroad, applicants can give biometrics at the application stage or Immigration Check Posts on arrival in India.
In India, biometrics are captured at the application stage.
Biometrics are valid for 5 years, exempting certain age groups or those with poor fingerprints.
How to collect the OCI Cardholder registration booklet?
After approval, collect the booklet at the Indian Mission/FRRO or send an authorised person with the applicant’s passport.
If unable to travel, request collection from the present place of stay through the relevant office.
Is the ‘U’ visa sticker pasted on foreign passports?
No, the ‘U’ visa sticker for OCI Card holders on foreign passports was discontinued on January 29, 2015.
Immigration authorities don’t require its production.
What do erstwhile PIO cardholders need for OCI registration?
All PIO cardholders with valid cards as of January 9, 2015, are deemed OCI cardholders.
Advantages include a smart card, quicker immigration clearance, and access to consular services.
Apply online, upload passport and PIO card copies, pay fees, and collect the OCI card.
What are the consequences of providing incorrect information?
Providing false information results in OCI cancellation under section 7D of The Citizenship Act, 1955.
The person may be blacklisted, banning future entry into India.
How much is the time frame for OCI registration?
Typically, OCI registration booklet issuance takes around 30 days from the date of online application acknowledgment.
Is there any refund if registration is not granted?
If refused, US $250 or equivalent in local currency will be refunded, excluding the non-refundable processing fee (US $25 or Rs.1400).
Can an OCI Card Holder apply for Indian citizenship?
Yes, after five years of OCI registration, subject to meeting specified conditions.
Top FAQs Related to Overseas Citizen of India (OCI) Card
I lost my Indian passport or haven’t renewed it recently. Can I still apply for an OCI?
Yes, you can apply with your current foreign passport but must submit documentary proof of your Indian origin, such as an old Indian passport or birth certificate.
Can I vote in Indian elections with an OCI card?
No, OCI cardholders do not have voting rights in India.
Do I need to register with Indian authorities if I stay in India for more than 180 days with an OCI?
No, this requirement does not apply to OCI cardholders. You can enjoy visa-free stays for as long as you wish.
Does having an OCI affect my Australian citizenship or tax obligations in Australia?
No, the OCI card does not impact your Australian citizenship or tax obligations within Australia. However, income earned in India may be subject to Indian tax laws.
Can I inherit property in India with an OCI card?
Yes, you can inherit property under Indian laws through legal channels and documentation processes.
Can I open a bank account in India with just my OCI card?
No, you’ll need additional documents like valid ID proof, address proof, and a PAN card (Permanent Account Number) to open a bank account. Remember, each bank may have specific requirements, so check with your chosen bank beforehand.
Do I need an Aadhaar card for transactions in India with an OCI card?
While not mandatory for all transactions, an Aadhaar card can simplify access to various services like banking, mobile phone connections, and certain government schemes. Consider enrolling for one, especially if you plan to spend extended periods in India.
Can I hold an NRE (Non-Resident External) account with an OCI card?
Yes, you can open and manage NRE accounts to channel foreign earnings earned outside India, enjoying tax benefits on both principal and interest. You must consult a financial advisor for guidance on suitable account options.
Do I need to file income tax returns in India with an OCI card?
If you have taxable income in India, you are required to file income tax returns annually, similar to Indian citizens.
Can I work full-time in India with an OCI card?
Not directly. To work in India, you typically need an employment visa sponsored by an Indian company. However, you can explore freelance or consultancy work if allowed by your specific visa status and Indian regulations.
Can I set up a business in India with an OCI card?
Yes, you can invest in most sectors of the Indian economy and even establish a wholly-owned subsidiary company or joint venture. Consult legal and financial experts to understand specific regulations and compliance requirements.
CONCLUSION
The OCI card offers Australians of Indian origin a unique opportunity to solidify their connection to their homeland. While it doesn’t grant full citizenship, it opens numerous benefits like visa-free travel, business and property ownership rights, access to educational institutions, and long-term stays in India.
However, carefully considering eligibility requirements, tax implications, and residency regulations is crucial for maximising the benefits and effectively handling this dual-cultural status.
You can get more information here:
https://www.mea.gov.in/overseas-citizenship-of-india-scheme.htm
https://www.mha.gov.in/PDF_Other/BROCHURE_OCI_25042017.pdf
https://www.vfsglobal.com/one-pager/india/australia/oci/english/pdf/oci-checklist-updated-new.pdf
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