Resident account treatment for foreign nationals allows resident rupee accounts while tourists may use NRO accounts with repatriation conditions. Foreign nationals resident in India are treated as holders of resident Rupee accounts and may open and maintain such accounts on par with other residents. AD-Category I banks may remit proceeds on closure if funds are received from abroad, repatriable, or otherwise permissible. Foreign tourists may open NRO accounts for up to six months, credit them with remitted funds or sale proceeds of foreign exchange, use them for local payments, and convert balances into foreign currency on departure if conditions on duration and sources of funds are met; otherwise repatriation requires application to the regional regulatory office.