Difference Between OCI and PIO

Earlier, citizens who live outside India had the option to choose between the Person of Indian Origin (PIO) card or Overseas Citizenship of India (OCI) card. Both cards were used as a travelling document or identification document instead of a visa. 

Updated On - 06 Sep 2025
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According to the Indian Government, the cards have been merged and citizens have been asked to apply for an OCI card. Earlier, PIO cards were deemed invalid from 30 September 2019. However, certain countries have extended the deadline to 31 December 2023. 

Difference between OCI and PIO 

The main differences between OCI and PIO cards are mentioned in the table below: 

Category 

PIO 

OCI 

Fees 

Adults: Rs.15,000Children (Up to 18 years): Rs.7,500 

Re-Issuance: Rs.1,400Duplicate: Rs.5,500 

FRO/FRRO Registration 

Post 180 days 

Not needed 

Entering India 

15 years after which the card has been issued. Can stay for up to 180 days post which FRO/FRRO registration must be done. 

Individuals can enter the country at any given time. 

Validity of Visa 

15 years 

Lifetime 

Indian Visa Requirement 

Not needed 

Not needed 

Where to Apply 

CKGS Application Centre 

CKGS Application Centre 

Who can Apply 

Indian lineage individuals with foreign citizenship and passport 

Indian lineage individuals with foreign citizenship and passport 

Documents Required 

The documents that must be submitted in order to apply for an OCI card are mentioned below: 

  1. 4 passport-sized photographs. 
  2. Previous passport (Indian). 
  3. Nativity certificate must be provided in case the passport is not given. 
  4. Birth certificate. 
  5. Citizenship proof such as address proof and passport. 
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Differences Regarding Living in India 

Getting Indian Citizenship

PIO 

Cardholder must live at least seven years in the country in order to get a citizenship. 

OCI 

The OCI must surrender his/her current citizenship. Individuals can apply for citizenship five years after the registration process has been completed. He/she must have stayed in India for at least one year. 

Tax Liabilities 

PIO 

Tax must be paid in case you are earning in India.  

OCI 

Tax must be paid in case you are earning in India. 

Education

PIO 

Individuals do not have to apply for an Education Visa. 

OCI 

Individuals do not have to apply for an Education Visa. 

PIO 

An Employment Visa is not needed. However, in case individuals stay for more than 180 days, registration must be completed. 

OCI 

An Employment Visa is not needed. 

PIO 

Individuals can invest, earn, open accounts at banks, and apply for a PAN Card and driver’s license. However, individuals cannot invest in agricultural and plantation properties. 

OCI 

Individuals can invest, earn, open accounts at banks, and apply for a PAN Card and driver’s license. However, individuals cannot invest in agricultural and plantation properties. 

Employment

PIO 

Individuals do not have to apply for an Education Visa. 

OCI 

Individuals do not have to apply for an Education Visa. 

PIO 

An Employment Visa is not needed. However, in case individuals stay for more than 180 days, registration must be completed. 

OCI 

An Employment Visa is not needed. 

PIO 

Individuals can invest, earn, open accounts at banks, and apply for a PAN Card and driver’s license. However, individuals cannot invest in agricultural and plantation properties. 

OCI 

Individuals can invest, earn, open accounts at banks, and apply for a PAN Card and driver’s license. However, individuals cannot invest in agricultural and plantation properties. 

Financial and Economic Rights

PIO 

Individuals do not have to apply for an Education Visa. 

OCI 

Individuals do not have to apply for an Education Visa. 

PIO 

An Employment Visa is not needed. However, in case individuals stay for more than 180 days, registration must be completed. 

OCI 

An Employment Visa is not needed. 

PIO 

Individuals can invest, earn, open accounts at banks, and apply for a PAN Card and driver’s license. However, individuals cannot invest in agricultural and plantation properties. 

OCI 

Individuals can invest, earn, open accounts at banks, and apply for a PAN Card and driver’s license. However, individuals cannot invest in agricultural and plantation properties. 

FAQs on OCI vs PIO Cards

  • Can I vote in case I have a PIO or OCI card?

    No, you cannot vote in case you have a PO or OCI card. 

  • Can PIO or OCI cardholders invest in agricultural properties?

    No, PIO or OCI cardholders cannot invest in agricultural properties. 

  • Can a registered OCI cardholder avail OCI Miscellaneous Services?

    Yes, a registered OCI cardholder can avail OCI Miscellaneous Services. 

  • Will each person in a family need to apply for a separate OCI card?

    Yes, each person in a family will need to apply for a separate OCI card. 

  • Will each person in a family need to apply for a separate PIO card?

    Yes, each person in a family will need to apply for a separate PIO card.

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