diff --git a/components/grid-visualizer/src/data/account-types.ts b/components/grid-visualizer/src/data/account-types.ts
index a23a639f..ee1f0ed7 100644
--- a/components/grid-visualizer/src/data/account-types.ts
+++ b/components/grid-visualizer/src/data/account-types.ts
@@ -54,7 +54,11 @@ export const accountTypeSpecs: Record<string, AccountTypeSpec> = {
   INR_ACCOUNT: {
     accountType: 'INR_ACCOUNT',
     fields: [
-      { name: 'vpa', example: 'customer@okbank' },
+      { name: 'vpa', example: 'customer@okbank', description: 'For UPI' },
+      { name: 'accountNumber', example: '000111222333', description: 'For NEFT/RTGS' },
+      { name: 'ifsc', example: 'HDFC0001234', description: 'For NEFT/RTGS' },
+      { name: 'rail', example: 'NEFT', description: 'NEFT or RTGS' },
+      { name: 'bankName', example: 'HDFC Bank', description: 'Optional' },
     ],
     beneficiaryRequired: true,
   },
@@ -328,7 +332,8 @@ export const accountTypeSpecs: Record<string, AccountTypeSpec> = {
     accountType: 'GTQ_ACCOUNT',
     fields: [
       { name: 'accountNumber', example: '1234567890' },
-      { name: 'phoneNumber', example: '+50212345678' },
+      { name: 'bankAccountType', example: 'CHECKING', description: 'CHECKING or SAVINGS' },
+      { name: 'bankName', example: 'Example Bank' },
     ],
     beneficiaryRequired: true,
   },
@@ -345,6 +350,7 @@ export const accountTypeSpecs: Record<string, AccountTypeSpec> = {
       { name: 'accountNumber', example: '1234567890' },
       { name: 'branchCode', example: '12345', description: '5-digit branch code' },
       { name: 'bankAccountType', example: 'CHECKING', description: 'CHECKING or SAVINGS' },
+      { name: 'bankName', example: 'Example Bank' },
     ],
     beneficiaryRequired: true,
   },
diff --git a/components/grid-visualizer/src/data/currencies.ts b/components/grid-visualizer/src/data/currencies.ts
index 5b7ed99d..5aff7d5a 100644
--- a/components/grid-visualizer/src/data/currencies.ts
+++ b/components/grid-visualizer/src/data/currencies.ts
@@ -70,9 +70,9 @@ export const currencies: FiatCurrency[] = [
     name: 'Indian Rupee',
     countryCode: 'in',
     accountType: 'INR_ACCOUNT',
-    accountLabel: 'UPI',
+    accountLabel: 'UPI / Bank Account',
     instantRails: ['UPI'],
-    allRails: ['UPI'],
+    allRails: ['UPI', 'NEFT', 'RTGS'],
     examplePerson: { fullName: 'Priya Sharma', nationality: 'IN' },
   },
   {
diff --git a/mintlify/snippets/country-support.mdx b/mintlify/snippets/country-support.mdx
index 13f979fc..84900cfc 100644
--- a/mintlify/snippets/country-support.mdx
+++ b/mintlify/snippets/country-support.mdx
@@ -40,7 +40,7 @@ import { FeatureCard, FeatureCardGrid, FeatureCardList, FeatureCardContainer } f
 | 🇭🇹 Haiti | HT | `Bank Transfer` |
 | 🇭🇺 Hungary | HU | `SEPA` `SEPA Instant` |
 | 🇮🇸 Iceland | IS | `SEPA` `SEPA Instant` |
-| 🇮🇳 India | IN | `UPI` |
+| 🇮🇳 India | IN | `UPI` `NEFT` `RTGS` |
 | 🇮🇩 Indonesia | ID | `Bank Transfer` |
 | 🇮🇪 Ireland | IE | `SEPA` `SEPA Instant` |
 | 🇮🇹 Italy | IT | `SEPA` `SEPA Instant` |
diff --git a/mintlify/snippets/external-accounts.mdx b/mintlify/snippets/external-accounts.mdx
index 16fb671e..2db11bc8 100644
--- a/mintlify/snippets/external-accounts.mdx
+++ b/mintlify/snippets/external-accounts.mdx
@@ -401,7 +401,11 @@ curl -X POST 'https://api.lightspark.com/grid/2025-10-13/customers/external-acco
 </Tab>
 
 <Tab title="India">
-**UPI**
+**UPI, NEFT, or RTGS**
+
+India supports three payment rails: UPI (instant), NEFT (near-real-time), and RTGS (real-time for large transfers).
+
+**UPI:**
 
 ```bash cURL
 curl -X POST 'https://api.lightspark.com/grid/2025-10-13/customers/external-accounts' \
@@ -413,6 +417,40 @@ curl -X POST 'https://api.lightspark.com/grid/2025-10-13/customers/external-acco
     "accountInfo": {
       "accountType": "INR_ACCOUNT",
       "vpa": "user@okbank",
+      "paymentRails": ["UPI"],
+      "beneficiary": {
+        "beneficiaryType": "INDIVIDUAL",
+        "fullName": "Priya Sharma",
+        "birthDate": "1991-05-14",
+        "nationality": "IN",
+        "address": {
+          "line1": "123 MG Road",
+          "city": "Mumbai",
+          "state": "Maharashtra",
+          "postalCode": "400001",
+          "country": "IN"
+        }
+      }
+    }
+  }'
+```
+
+**NEFT/RTGS (Bank Transfer):**
+
+```bash cURL
+curl -X POST 'https://api.lightspark.com/grid/2025-10-13/customers/external-accounts' \
+  -H 'Authorization: Basic $GRID_CLIENT_ID:$GRID_CLIENT_SECRET' \
+  -H 'Content-Type: application/json' \
+  -d '{
+    "currency": "INR",
+    "platformAccountId": "in_neft_001",
+    "accountInfo": {
+      "accountType": "INR_ACCOUNT",
+      "accountNumber": "000111222333",
+      "ifsc": "HDFC0001234",
+      "rail": "NEFT",
+      "bankName": "HDFC Bank",
+      "paymentRails": ["NEFT"],
       "beneficiary": {
         "beneficiaryType": "INDIVIDUAL",
         "fullName": "Priya Sharma",
@@ -430,6 +468,9 @@ curl -X POST 'https://api.lightspark.com/grid/2025-10-13/customers/external-acco
   }'
 ```
 
+<Note>
+  UPI requires `vpa` (Virtual Payment Address). NEFT/RTGS requires `accountNumber` (9-18 digits), `ifsc` (11-character bank branch code), and `rail` (NEFT or RTGS).
+</Note>
 </Tab>
 
 <Tab title="Nigeria">
diff --git a/samples/kotlin/src/main/kotlin/com/grid/sample/routes/ExternalAccounts.kt b/samples/kotlin/src/main/kotlin/com/grid/sample/routes/ExternalAccounts.kt
index ecdcba3f..471bf675 100644
--- a/samples/kotlin/src/main/kotlin/com/grid/sample/routes/ExternalAccounts.kt
+++ b/samples/kotlin/src/main/kotlin/com/grid/sample/routes/ExternalAccounts.kt
@@ -116,8 +116,14 @@ private fun buildAccountInfo(accountType: String, accountInfo: JsonNode): Extern
         "INR_ACCOUNT" -> {
             val info = InrExternalAccountCreateInfo.builder()
                 .accountType(InrExternalAccountCreateInfo.AccountType.INR_ACCOUNT)
-                .vpa(accountInfo.requireText("vpa"))
                 .beneficiary(buildInrBeneficiary(beneficiaryNode))
+                .apply {
+                    accountInfo.optText("vpa")?.let { vpa(it) }
+                    accountInfo.optText("accountNumber")?.let { accountNumber(it) }
+                    accountInfo.optText("ifsc")?.let { ifsc(it) }
+                    accountInfo.optText("rail")?.let { rail(it) }
+                    accountInfo.optText("bankName")?.let { bankName(it) }
+                }
                 .build()
             ExternalAccountCreate.AccountInfo.ofInrAccount(info)
         }