This document summarizes the key details about NR(E)RA and FCNR(B) accounts, including what they are, who can open them, and the rules around providing advances against deposits in these accounts. NR(E)RA accounts can be opened by NRIs and are maintained in Indian rupees, while FCNR(B) accounts are fixed deposits that can be maintained in foreign currency by NRIs and PIOs. Banks can provide advances in India or overseas to the account holders or third parties against security of deposits in these accounts, subject to certain conditions and limits that have changed over time.