Repatriability of NRI deposit accounts determines permissible transfers and withdrawal rights across account types. FCNR(B), NRE and NRO accounts differ by currency, permissible account types and repatriability: FCNR(B) are foreign currency term deposits; NRE and NRO are rupee accounts with savings, current and deposit options. Joint accounts and nominations are allowed. FCNR(B) and NRE balances are repatriable; NRO balances are not freely repatriable except for current income and limited bonafide transfers subject to prescribed conditions. Interest rates and deposit tenors vary with bank discretion and applicable caps.