There are many options for opening a bank account but all those options are available for NRI.   Many banks in India will allow you to open almost any kind of account but this practice is illegal as per Indian Laws.  Sanjiv Gupta explains various options for NRI wanting to open bank account.  I also wrote a blog post about state bank of India few days ago.  That post also explains more details about opening a bank account in SBI.  You can read that  post on http://sanjivcpa.com/opening-nronre-account-at-sbi-fremont/.