Non repatriation deposits by NRIs subject to conditions on account channel, permitted uses, maturity, and regulatory compliance. Acceptance of deposits on a non repatriation basis from NRIs by Indian proprietorships, firms and companies is permitted subject to conditions: companies may accept deposits privately or publicly; non banking finance companies must meet registration and credit rating requirements; deposits must be received by debit to an NRO account only and are not repatriable; interest rates and maturity limits are governed by applicable regulatory ceilings and directions; and accepted deposits are restricted from reuse for relending, agricultural/plantation activities, real estate business, or investment in entities engaged in those activities.