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I made sure to surrender my Indian passport before applying for my OCI card because I knew this was the rule. The process was very straightforward. I paid the fees online, uploaded all the required documents as per the checklist, and mailed in my passport as well as my naturalisation certificate. I got my surrender certificate in about three weeks, and I immediately used it to apply for my OCI card.
I handled the surrender process on behalf of my elderly father because he is not very good with modern technologies. We were asked to submit a letter of authorization along with the other documents. The most challenging part of the process was ensuring that my father's photos and signatures were done correctly. Ultimately, everything went well, and he received his surrender certificate within four weeks. Now, we will apply for his OCI card.
My wife and I applied together to surrender our Indian passports. We had to make separate applications for us and also send separate packages with individual tracking, as mentioned by VFS Global. It cost us around $150 each. The process was quite uninteresting, but we both received our certificates within three weeks.
My fiancée forgot to include a signed declaration form, which delayed the whole process for her. She received an email regarding the same issue, and she had to send the missing form separately later, which ended up adding 10 more days to the whole process. It made the process frustrating, but it was her mistake. Be sure to double-check all the paperwork before submitting it further; even a minor mistake can cause delays, which can be frustrating.
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I live in a small town, and there is no Indian consulate or embassy nearby, so I had to rely completely on courier services to surrender my Indian passport. I was a bit tense about sending my original documents via courier, but eventually everything came back safely, along with my surrender certificate, and it took only 30 days.