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No PIO/OCI Card
We recommend you apply for an Overseas Citizen of India (OCI) card as soon as possible. Details are available at http://boi.gov.in/content/overseas-citizen-india-oci-cardholder or http://www.mea.gov.in/oci-related-matters.htm
If you do not have a PIO/ OCI card you would qualify to open an NRI account subject fulfilling any of the following conditions
Besides, spouse of foreign origin of a citizen of India or spouse of foreign origin of an Overseas Citizen of India Cardholder and whose marriage has been registered and subsisted for a continuous period of not less than two years immediately preceding the presentation of the application is also eligible for registration as OCI cardholder.
However, no person, who or either of whose parents or grandparents or great grandparents is or had been a citizen of Pakistan, Bangladesh or such other country as the Central Government may, by notification in the Official Gazette, specify, shall be eligible for registration as an Overseas Citizen of India Cardholder.
In most cases a copy of current/ expired/ surrendered Indian passport would need to be provided to satisfy any of the points above