Zerodha NRI Account: How to Open & Charges

Key takeaways
 

• Zerodha offers NRE, NRO, PIS, and Non-PIS account routes for NRI trading and investment, and each suits a different type of income and repatriation needs.
   
• The right Zerodha NRI account route directly affects your charges, required documents, and how smoothly you can move your funds.
   
• NRIs can invest smoothly in India once they select the correct account type and complete the basic documentation.

Are you an NRI planning to invest in India but unsure which Zerodha NRI account fits your income and repatriation needs?

Zerodha offers clear routes for NRIs to trade in India through NRE, NRO, PIS, and Non-PIS structures, each designed to keep investing simple and compliant. These options help NRIs choose the right setup based on how they earn income, move funds abroad, and meet RBI investment regulations.

When I opened my Zerodha NRI account last year, I realised how important it was to choose the right route because it directly affected charges, documents, and repatriation.

This blog explains each Zerodha NRI account type, its features, benefits, and interest and charges so you can make an informed choice without confusion.

Zerodha NRI Accounts 

Is NRE–PIS the best option, or is NRO–Non-PIS more practical? This section helps you choose the best Zerodha NRI route.

Zerodha offers different NRI account setups to match how you earn, repatriate, and invest your money, and the following tables clearly show each type along with its main features and benefits.

The NRE–PIS account suits NRIs who want to invest in India using foreign earnings while keeping full repatriation, and the table below explains its type, features, and benefits clearly.

This structure makes the NRE–PIS route ideal for NRIs seeking smooth fund movement abroad, predictable zerodha nri account charges, and a straightforward zerodha nri account opening process supported by proper zerodha nri account opening documents.

The NRO–Non-PIS account is designed for NRIs who manage Indian income and prefer a simpler, low-paperwork trading route, as shown in the table below.
 

With easier compliance, lower zerodha nri account charges, and minimal requirements during zerodha nri account opening, the NRO–Non-PIS option becomes practical for anyone using Indian income and holding basic zerodha nri account opening documents.

How to Open a Zerodha Bank NRI Account?

Zerodha NRI account opening is now simpler and fully digital, allowing NRIs to invest in India from anywhere in the world. The steps are straightforward, and the entire Zerodha NRI account opening process guides you smoothly from email verification to final activation.

Step-by-Step Process of opening a Zerodha NRI account: 
 

1. Start your application
   Visit the signup page and verify your email address.
    
2. Choose your account type
   Select whether you want an NRO or NRE account.
    
3. Verify your mobile number
   Complete verification through the WhatsApp OTP.
    
4. Verify your PAN
   Enter your PAN details exactly as they appear in the Income Tax Database.
    
5. Make the payment
   Pay the ₹500 account opening fee.
    
6. Enter your personal details
   Fill in all required information, including your PEP status.
    
7. Link your bank account
   Add your NRE or NRO bank account details.
    
8. Upload your address proof
   Upload your notarised overseas address proof.
    
9. Complete the FATCA declaration
   Declare your tax residency countries.
    
10. Finish IPV through webcam
    Complete your In-Person Verification (IPV) using a webcam.
     
11. Upload your documents
    Submit all required documents online.

Final Step

• If you are in India, complete the e-signing using Digio.
• If you are outside India: Print, sign, and courier the documents to Zerodha.

Once everything is verified, Zerodha will activate your account within 48 hours, giving you full access to invest in Indian markets. Whether you're opening a new account or planning a Zerodha convert to NRI account, this process ensures a smooth and hassle-free start to your investment journey.

Zerodha Bank NRI Account Interest Rates and Charges

Zerodha offers a transparent fee structure for NRIs, making it easier to understand the total cost of investing from abroad. Below is a simple table that covers all important Zerodha NRI account charges you should know before starting your Zerodha NRI account opening process.

Bonus Tip: Do you know? Zerodha doesn’t pay interest on trading accounts; they’re meant only for investing and trading, not for keeping idle money.

Zerodha keeps its pricing simple and clear for NRIs to plan their investments without confusion. This blog helps NRIs compare NRE, NRO, PIS, and Non-PIS routes clearly so they can choose the right Zerodha NRI account based on income source and repatriation needs. Review the charges to understand the total cost and avoid surprises before you submit your Zerodha NRI account opening documents.

Conclusion

Zerodha makes NRI investing straightforward by offering clear account options that match how you earn and repatriate your money. 

When you choose the right structure whether NRE, NRO, PIS, or Non-PIS you trade with fewer complications and better clarity. By keeping your documents ready and understanding the charges, you complete the process smoothly and start investing with confidence.

FAQs

What is a Zerodha NRI Account?

A Zerodha NRI account is an investment account that allows NRIs to trade in shares, mutual funds, and F&O in India using NRE or NRO bank accounts. It follows RBI rules, uses simple documentation, and helps you invest easily while keeping your income and repatriation needs in order.

How do I change my existing Zerodha account to an NRI account?

You can change your resident Zerodha account to an NRI account by sending the required NRI documents to the support team. You must share your passport copy, visa or OCI, PAN, NRE/NRO bank details, and a recent proof of overseas stay (such as your India entry and exit stamps). Once they receive the documents, Zerodha updates your account category within their standard processing time.

Can I open a Demat account with Zerodha as an NRI?
Yes, you can. Zerodha allows NRIs to open a Demat account. You can start the process through the official link, and a dedicated Zerodha manager will guide you through each step of the account opening.

Do I need an NRI KYC status to open a Zerodha account as an NRI?
Yes, you do. You must update your KYC status to NRI before Zerodha can open your account. Zerodha will share the required document list once you raise a support ticket.

How should I submit my documents to Zerodha as an NRI?
You should fill in the forms, get them attested by the Indian Embassy, and first send scanned copies to Zerodha for verification. After they approve them, you can courier the originals. Staying in touch with the same Zerodha representative helps avoid confusion.