Thanks ham4u, very good information, i came to Doha in Feb'08, for all these months i had my salary spent on setting up home and family, now i can start sending money to my hometown Blore, while coming here i had opened an NRI account with Corpration Bank with zero balance and here an account with HSBC. have not yet enquired with HSBC, as per ur answer HSBC is not there in ur list of direct banking. So shall open an NRI account with HSBC Blore from here with GPA which i have already given to my relative. Thanks once again.