Settling-In Tips from
Staff at Crown Mumbai

What is special or unique about your city?

Welcome to Mumbai! Mumbai, formerly referred to as Bombay up until 1995, is the capital city of Maharashtra state. It lies in the South-western part of India and occupies a peninsular site originally composed of seven islands lying off the Konkan coast of Western India. It is the leading Financial Center of India, as well as a major national commercial, transportation and manufacturing hub. It also has one of the world’s largest harbour's: a broad, sheltered bay between the city and the mainland. Mumbai's cultural life reflects its ethnically diverse population. It is truly multicultural and a city where people of almost every religion can be found. Bursting with the self confidence of a maverick moneymaker and "bindass" (carefree) attitude, Mumbai is also the country's financial and commercial hub and is a principle port on the Arabian sea.

What are a newcomer's first impressions of your city?

The first impression newcomers typically have is the vibrant energy that the city exudes.There is a joi de vivre (carefree feeling) to Mumbai and its nickname is "The New York of India." What people are usually dumb struck about is the extreme differences in living styles. There are the most modern apartment blocks on one side with the nouveau rich rubbing shoulders, and on the other side in the midst of skyscrapers are the slums with extreme poverty. And yet, there is a "live and let live" outlook to the typical Mumbaikar (native Mumbaite).

Are these impressions likely to change?

Not likely. Most expatriates that experience Mumbai speak of fond memories that will last a lifetime.

What is the local language?

Being the cosmopolitan place that it is, there is no single local language. Marathi is the official language of the state. English is the business language and widely spoken and understood. Hindi, Gujurati and Urdu are also widely spoken. Here are some Hindi words and phrases that may be fun to learn as well as help you while you are here: English Hindi Hello Namaste Goodbye Namaste/tata Yes Haan ji No Nahin Right Daayen Left Baayen How much? Kitna? What time is it? Kitna baja hai? Food Khana Water Paani Thank you Shukriya / dhanyavaad Please Kripaya

How easily could I live in this city without knowing this language?

As mentioned above, English is very well understood and one can easily get on with life without knowing any of the local languages.

What are good things to remember in order to avoid offending the other residents of this city?

The predominant religion followed is Hinduism. As such, following the customs and culture followed by Hindus and not offending their sentiments will be appreciated. For example, you should remember to wash hands after touching footwear. No footwear is allowed at places of worship. Most locals would like you to keep your shoes out of the house entirely, especially in the kitchen. The following are some other tips to avoid offending the residents of Mumbai: Status is often determined by a person's age, university education and profession. It is acceptable for men and woman to wear pants. However, on more formal occasions the pants should be "dressy." Shorts are acceptable for men only when jogging. It is preferable that women who jog wear track pants but that is not mandatory. If you host a meal, keep in mind that Indians have a variety of dietary restrictions. Generally, Hindus do not eat beef, Muslims do not eat pork and many Indians are strict vegetarians. But there is no hard core rule for this. Alcohol should be avoided until you are certain that your host approves of it. Even if it is okay, do not get drunk. If you're invited to dine at somebody's house, a bouquet of flowers or a box of chocolates is the common gift to bring. It is typical for guests to arrive late regardless of what the invitation says. It is impolite to help yourself with second servings. Wait to be asked and for someone else to serve you. Be respectful when visiting holy sites, no matter what condition they are in. Smoking and drinking are prohibited in Holy Sites. Always speak in soft tones. Some sites do not allow non-believers to enter. Indians of all ethnic groups disapprove of public displays of affection between men and women and most Hindus avoid public contact between men and women. Standing tall with your hands on your hips is perceived as aggressive. Pointing with your finger is considered rude. Whistling in public is unacceptable. Never point your feet at another person as feet are considered unclean. To tip a taxi driver, simply round off the fare.

How might the local weather affect my daily life?

The weather is generally humid except for the months of December, January and early part of February. The months of April and May are hot and very humid. Rainy season in the months of June, July and August can be a test of patience as the roads are invariably jammed and commuting time can be extensive.

Is there anything else I should know about the overall character of your city or its people?

People are quite friendly, although more so to Expats because of a sense of curiosity. They frequently go all out to help.

Useful Links

India Ministry of Tourism www.tourisminindia.com http://www.maharashtratourism.gov.in/ http://www.maharashtra.gov.in/

 

As a foreign resident, what is my status in your country?

Your status in India depends on your country of citizenship, the length of your stay within India, and the type of visa or permit you have been issued. To enter India, visitors must have a valid passport. No matter what your nationality, you should have a valid visa obtained from an Indian embassy or consulate.

What kinds of visas are available?

Tourist Visa - Tourist visas can be valid for 15 days, three months or six months This is for tourists and is valid for a period of up to 180 days only. It cannot be extended and cannot be converted to another visa. Business Visa - Business visas may be issued for up to five years with a multiple-entry provision. If you are coming to Mumbai on temporary business (lasting between one month to a few months) this is the visa to apply for. This is usually valid for a short duration and you cannot be accompanied by family. Employment Visa - Foreign nationals who wish to work in India on employment assignments must apply for a Multiple Entry Employment Visa and obtain a residential permit from the Foreigners Regional Registration Office (3rd Floor, Special Branch Building, Badruddin Tayabji Lane, Behind Street Xavier's College, Mumbai 400 001, Tel: +91 22 2262 1169). With this visa, you can be accompanied by your spouse and family. Further, the foreigners who enter India with a visa valid for more than 180 days are required to register with the nearest Foreigners Registration officer within two weeks of their arrival even if they do not plan to stay for more than half a year. Registration is required only once during the visa's validity. You may leave the country and re-enter as many times as you desire provided the visa is for multiple entries. However you are required to surrender your registration certificate at the time of your final departure from India. Spouse or Dependant Visa - This visa is for your spouse and other accompanying family members. Anyone holding this visa cannot be employed in the country. If your spouse is interested in working in the country, he/she should apply for his/her own employment visa.

What is required to obtain these visas?

Applying for a visa is a relatively straightforward process. However, it is very important to check that you are applying for the correct visa, as it is not possible to change your visa type once you are in the country. Applying for a visa should be done at the country of origin or the country of where last employed. Furthermore, one should always apply for a multiple-entry visa. This is needed in case of any travel outside of India is undertaken by the employee during the period of assignment in India. Besides other documents, the following documents are required for visa application: Three passport size photographs Copy of the passport Employment letter from the company, Visa Invite Letter, Letter of Guarantee (if applying for 'E' Employment Visa) The process of applying and obtaining a visa can take up to five to seven business days so be sure to plan ahead.

Are spouses permitted and/or likely to find work?

Spouses are not allowed to find gainful employment while on a dependant visa. If they are interested in working, they will need an employment visa of their own.

What are the main forms of identification and how does a newcomer obtain them?

A foreign national arriving in India with the appropriate visa and intending to stay for more than 180 days in the country is required to register with the Foreigner's Regional Registration Office (FRRO). Registration must be completed within 14 days of arrival, failing to do so will result in a fine of US$30 per person. FRRO requires the following documents: Four coloured passport-size photographs A copy of both passport and visa Three copies of Registration application forms Terms and conditions of employment Letter of employment from the company Request Letter Letter of undertaking Certificate of Incorporation Copy of passport of the Company Authorised signatory (signing the Request & Undertaking letters) The residence permit is usually received on the same working day.

Are there any other important permits I must obtain, or places where I must register right away?

If you follow the visa and permit requirements above, you should be fine

What items should I avoid bringing into the country?

The following items should not be brought into the country: liquor drugs firearms pornographic material

Is there anything else I should know about entering and remaining in the country legally?

There is a mandatory ten-year sentence for possession of even small quantity of drugs.

Useful Links

Consular Passport and Visa Division of India www.passport.nic.in Consulate General of the United States in Mumbai, India http://mumbai.usconsulate.gov/

 

What is the local currency?

The Indian monetary unit is the Rupee (Rs. or INR), which can be divided into 100 Paise.

What denominations does it come in?

1,000, 500, 100, 50, 20, 10, 5 and 1 Rupees. Coins come in denominations of Rupees 10, 5, 2, 1 and Paise 50, and 25.

What is the best way to exchange currency?

The best way is to go through a licensed moneychanger. Most banks and larger hotels offer this facility. Avoid using Airport or Hotel to exchange larger amounts as the exchange rates provided are generally lower compared to a dedicated foreign exchange agency.

What are commonly-used forms of payment for everyday purchases (such as groceries)?

Cash is the most commonly-used forms of payment for everyday purchases. You will find that smaller establishments only accept cash so it is recommended to always carry a small sum of cash at all times.

Will I be able to use my credit card around town? If not, list when I’ll need cash.

Many businesses do accept major credit cards, debit cards and cash. However, some businesses will add the bank charge to the bill if paid by credit card. Smaller shops, markets and some other business types only accept cash so it is recommended to always carry a small sum of cash at all times.

By what method are bills (such as rent and utilities) paid?

Bills can be paid by check, but many utilities (like telephone or electricity bills) can also be paid on-line. Credit cards can now be used to pay utility bills on-line on some dedicated websites. Additionally, one can set up an electronic collection system, which allows the billing company to directly debit your bank account for that amount..

What are the requirements for opening a bank account? At what stage of the settling-in process should I open it?

Crown Mumbai recommends the QA22 account for expatriates, as this is the most viable option. Currently, the QA22 account allows the account holder to bank in funds in local currency (INR) as well as in foreign currency, but withdrawals are only possible in local currency. Repatriation of funds out of India (in foreign currency) at the time of closure may be limited (varies by bank), but withdrawal of all account funds in local currency (INR) can be done at any time. The following is a list of documents required for a QA22 bank account application: Completed Form QA 22. Each bank will have their respective forms for the QA22 account. The employee needs to complete all information and meet personally with the bank official for an interview before the application will be accepted. Declaration of (overseas) sources of credit into account Two recent passport-size photos. Letter of employment from the local office of your company. Copy of valid passport and Employment visa (E-type) Most banks insist on an average quarterly balance of INR 10,000.

Will foreign residents be able to find banking services in their native languages?

You will be able to find banking material in English or Hindi only.

Are there any restrictions on services for those who are new to your country?

The only exception would be regarding an overseas money transfer. Transfers up to 80% of your annual salary abroad are allowed. However, only with an employment visa can you open a bank account that would make international transfers possible.

What are typical banking hours?

Typically, banks are open from 9:30am to 5:30pm on weekdays, and 9:30am to 1:00pm on Saturday. Sunday is the weekly holiday and most banks are closed. However, many banks have one or more of their branches open on Sundays for the convenience of working people.

Are automatic teller machines (ATMs) available around the clock?

Yes, ATMs machines are available 24 hours a day, 7 days a week and can be found all around the city.

Is there any other money information that might help me?

The Indian numeric system is similar to the Western decimal system, although Indians use the terms Lakhs and Crores to describe certain large numbers. A Lakh is equal to 100 thousand and a Crore is equal to 10 million. Even when writing numbers this uniquely Indian system is used. 100,000 is 1 Lakh and 10,000,000 is one Crore. Be aware: If you are handed a grubby note, insist on having it exchanged for a newer one, since others might refuse accepting it from you, and counterfeit bills are common. Have a big supply of small bills as most stores don't carry sufficient change.

Useful Links

Universal Currency Converter http://www.oanda.com http://www.xe.com Banks in New Delhi: ABN AMRO Bank: http://www.abnamro.co.in Bank of America: https://www.bankofamerica.com/ American Express Bank: http://www.americanexpress.com/india HSBC Bank: http://www.hsbc.co.in Scotia Bank: http://www.scotiabank.com/ Deutsche Bank: http://www.db.com/india CitiBank: http://www.online.citibank.co.in HDFC Bank: https://www.hdfcbank.com/

 

What are the top factors to keep in mind when searching for a place to live in your city?

When searching for a place to live, some important factors to consider are safety, location preference and individual needs. One of the major factors is the driving distance from home to work and the proximity to your children's school. Also note houses on main roads tend to be noisy (and dusty) through the day and sometimes even during the nights. Diligence needs to be exercised in making sure that the proposed housing is sufficient in terms of electricity and water supply and phone connections. Make sure there are facilities for groceries, vegetables, meats and medicines close by.

What are the most popular neighborhoods in your city for expats?

Apartments are the most common type of housing available. There are popular areas and buildings that tend to attract foreigners. Apartments are usually unfurnished although some owners may negotiate on this. Mumbai can be divided into three areas: Northern suburbs, Central Mumbai and South Mumbai. Areas included in the Northern suburbs are Powai, Juhu and Bandra; Central Mumbai is comprised of Prabhadevi and Worli; and South Mumbai includes Cuffe Parade, Breach Candy, Malabar Hill, Altamount Road, Napeansea Road, Peddar Road and Colaba.

Do expats tend to buy or rent their homes?

Typically, most expatriates prefer to rent their homes.

Typically, will I be required to pay additional money up front (such as a deposit) before moving into leased housing? If so, how much is common?

A Security Deposit is usually equivalent to 3 to 6 months of the rent paid. Rentals are either paid monthly, quarterly, half yearly or 12 months up-front in advance.There are no fixed norms and it differs from case to case.

Are utilities generally included in the price of rent, or are they extra?

Normally, utilities are additional to rental prices. Very seldom are they included in the rent.

Are there special security concerns I should be aware of in regards to my home or choice of neighborhood?

For the most part, Mumbai is a safe city, especially considering the number of people that call it home. However, as with most cities, some areas are more desirable than others. This is usually evident in the cost of the accommodation. Before deciding where to live, make sure that the house or apartment has door and window protection and a reliable alarm system. Change all locks on doors and replace with brand new ones. It is also prudent to always lock your house and car when you are not there. Also, it is recommended that you check out local police reports before deciding on an area to live. These reports provide factual information on types of crimes and how often they occur. This will most likely be a determining factor on whether you choose to live in a certain neighbourhood or not. One should be watchful that there are no drains around the house, as they can create a problem with mosquitoes.

I’m not sure if I should bring my appliances. What is the electric current, Hz and plug shape in your city?

The electric current for India is 220 volts. The electrical Hertz (Hz) is 50 hertz of power. Wall sockets are of the three round -pin variety. UK, US and Australian plugs require adaptors,while continental European round pins plugs fit the sockets. Two pin plugs also work fine. Power adaptors are available from electrical shops. Below are examples of the types of plugs that are used in India. Type C plug - Round pin attachment plug NOTE: Type C plugs can also be used with E and F  and some L receptacles.  This type of plug is very common in most "universal" adaptor sets. (Though the diagram shows a circular plug, quite often Type C plugs have a rectangular form factor, as in the photo above.) Type D plug - Round pins with ground

Do you have any other accommodation information that might help me?

The process of searching for suitable accommodation could take some time and is sometimes frustrating. Ideally, the process should be started a few weeks before the start of the assignment. A preview trip arranged through Crown Mumbai is highly recommended. It is a common practice that owners clean, paint and repair after the deal is finalized. If you opt to take a long-term lease (two to four years), you can request what you wish to be worked on. However, this practice often results in delays in moving into the house. It also might be a good idea to try and negotiate with the owner to provide as many appliances (particularly air conditioners) as possible within the premises. There are a few things one must do before taking possession of the premises. A round of thorough cleaning is a must. It would also be advisable to have the entire premises treated by the pest control company before moving in. All electrical points and appliances should be checked for functionality. Water pressure should be checked as well. Gas is supplied in cylinders or bottles through a neighbourhood dealer; it is advisable that you keep one extra cylinder on hand as backup.

Useful Links

http://www.magicbricks.com/ http://www.mymakaan.com/ http://www.mumbaiproperties.info/

 

What types of schools do most expats in your city choose for their children?

Most Expats prefer to send their children to international (private) schools rather than local public schools. The best private schools are accredited and have waiting lists, so it is recommended that you begin your school search as soon as you arrive in the country. Contact Crown Mumbai for advice or contact your local consulate. It is also very helpful to start networking with other expatriates through groups and associations.

What are some examples of these schools?

There are 4-5 international schools of repute in Mumbai, the most popular is the American School of Bombay. There are also French and German International Schools. Each institution adheres to the curriculum favoured in its associated country and some even conduct classes in these languages. For more information contact Crown Mumbai.

Is there a lot of competition for spots in local schools?

Yes, if you decide to enroll your child in a local public school, you should also prepare early because there are many students applying and the availability is limited.

Are pre-schools also widely available (for children approx. 2 to 5 years old)?

For younger children there are numerous private play-schools and kindergartens in almost every area, some of which are run according to the Montessori method. These schools vary greatly in both fees and quality.

How are most kids transported to and from school?

In areas where school transportation is available, students travel by school bus. In areas where it is not, most parents drive their children or they form car-pools with other parents

When does the typical school year start and end?

International schools tend to run from August to June; most other schools from July to April.Please check with your child's school for a specific schedule.

Is there anything else I should know about local schools?

It is not very easy to get admitted to good schools as they have a long waiting period. It is recommended to decide on the school in which your child has to be admitted at the earliest and finalize the admissions early as switching the decisions and taking longer time to decide on the schools may result in losing the seat.

Useful Links

American School of Bombay - www.asbindia.org Ecole Mondiale World School - www.ecolemondiale.org DSB International School - http://www.dsbindia.com/

 

What are the items that I should bring with me because they’re not available (or are too expensive) where I am going?

The supermarket concept is growing and most of the leading brands are easily available. However, the traditional way to shop is by going to the local market where you should be able to find all your necessities.

Will anyone have particular trouble finding clothes that fit?

This shouldn't be a problem because clothes are available all over in a variety of sizes and shapes. Additionally, tailors are inexpensive and very good.

What grocery stores do expats in your city shop at?

All residential areas have a market where you can buy groceries. Some Expats employ domestic staff to do the shopping for them because they know their way around the local markets. Department stores sell (almost) everything, from ready-made gourmet dishes in the basements to cosmetics, clothing, furniture and other household items.Largest department stores include: · D-Mart · Big Bazaar · Star Bazaar · Spinach · Reliance Fresh · More

Where can other household items (such as cleaning materials and home furnishings) be found?

All cleaning products and furniture can be found at all local markets.

What are factors that might affect my shopping habits in this country/city?

You may sometimes not find the brands that you are used to back home. However, most well-known brands are available in Mumbai and all malls have stores that keep major international brands in stock. Some of the major shopping malls are Shoppers Stop, Globus, Infinity Mall, Inorbit Mall, Hypercity, Mega Mall, Oberoi Mall. Oberoi Mall - http://www.oberoimall.com/ Shopper Stop - http://www.shoppersstop.com/index.jsp.vr Pantaloon - http://www.pantaloon.com/index.asp Globus - http://www.globus.in/v2/default.htm Inorbit Mall - http://www.inorbit.in/ Hypercity Mall - http://www.hypercityindia.com/AboutUs_Overview.aspx

Useful Links

More Website - http://www.adityabirla.com/media/features/there_is_more.htm# Spinach - http://www.spinach.co.in/ Big Bazaar - http://bigbazaar.com/

 

IMPORTANT NOTE:
Crown Relocations has made every effort to present accurate information. However, regulations, rates and other variables are subject to change and Crown Relocations cannot accept responsibility for the errors that might result. Please contact your closest embassy or consulate for confirmation.