Well, my point mainly related to the fact that when a NRI became a foreign citizen, s/he automatically lost the right to own property in India or access to banking. Since 2002 all you need is to produce a PIO/OCI card and you are good to go. Comparing the ease with which I opened a bank account and became owner of various intangibles last year to the troubles we had in the 80s and 90s with my mother trying to do normal things at banks and in matters relating to property (in spite of showing a valid residence permit and documentation etc) its night and day.