NRI Flagging

The NRI (Non-Resident Indian) flag is a user-level attribute that helps Saber Money correctly apply operational logic such as TDS handling. This flag must be explicitly set after user onboarding and KYC completion, and only if the user's KYC country is not India.

When to Flag a User as NRI

Flagging a user as NRI should be done at the appropriate point in the user lifecycle:

Step	Action	is_nri Flag
1	User created	`null` or `false` by default
2	KYC initiated	Cannot flag as NRI
3	KYC completed
4	If `kyc_country` ≠ India	Set `is_nri = true`
5	If `kyc_country` = India	NRI flagging not allowed

Important Rules:

You cannot flag a user as NRI before KYC is completed.
You cannot flag a user as NRI if their KYC country is India.

How to Flag a User as NRI

Once the user has completed KYC and their KYC country is not India, you can flag them as NRI using the following API call.

Sample Request (cURL)

curl --location --request PUT 'https://mudrex.com/api/v1/user/client_user' \
--header 'X-Timestamp: 1747292173' \
--header 'X-Client-Id: xxxxx' \
--header 'X-Secret-Key: xxxxx' \
--header 'X-Request-Id: 123456789876' \
--header 'X-User-Id: xxxx' \
--header 'Content-Type: application/json' \
--data '{
    "is_nri":true
}'

Why NRI Flagging Matters

Flagging users as NRI enables Saber Money to apply different compliance and taxation rules and other operations, such as TDS calculations, and ensures appropriate reporting based on the user's residency status.