Puneet Oberoi, founder, Excellent Investment Advisors, responds:
You have to check with your banker whether your account is repatriable. If it is a non-repatriable account, you cannot withdraw that money over there. You will have to convert your account into a repatriable NRE account and then you can easily transfer your money back. Moreover, you cant hold a normal savings bank account if you are an NRI. You have to convert all your savings accounts into NRE /NRO account .