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@sadmom81087 They charge for issuing FIRC.

@sadmom81087 044-285-19618 (IOB inward remittance special phone number) Call on the above mentioned number to clear these doubts. I never needed e-FIRC so never asked the bank for it.

@lwoods No. Received a call from the Bank before the amount was credited to my account enquiring about the source of funds and reason for this transfer. In my case the inward remittance was due to sale of RSUs. I just gave them the info about the source of funds and reason for the transfer...

@sadmom81087 Indian Overseas Banks (IOB) has the best TT rates in the country. After opening the account you need not go to the branch for transfers. The transfers are credited to your account by the afternoon of next day.