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I am having DEMAT account linked with my NRO account. Can I linked it with NRI account?If yes, does it charge more fees? When I tried to subscribe to IPO through online platform, I was denied. I was told that you have not subscribed for IPO!!!// Isn''''t this carzzzyyy answer? Customer service representative told that I need to sign some form and send origional hard copy to India!!. Very high charges also...Only one good thing is that now they are giving good tips ..HDFC bank interest rate on FD is now also one of the lowest. Cannot put now more money in this bank..Looking with some other bank like AXIS or Kotak if possible..