Croatia Visa for Indians 2026: Types, Fees, Process & Requirements

Croatia offers several visa categories for Indian nationals. Since Croatia is a full Schengen member, the main distinction is between short-stay (C-Type, up to 90 days) and long-stay (D-Type, over 90 days).

If visiting multiple Schengen countries, apply at the consulate where you spend the most nights. If tied, apply at your first point of entry into the Schengen zone. This is the Schengen main destination rule and it applies to every Schengen country including Croatia.

Schengen Tourist Visa (C-Type) — Most Common

This is the standard visa for Indian travelers visiting Croatia for tourism, sightseeing, or short family visits. Croatia offers diverse tourism — from the medieval walls of Dubrovnik and Diocletian's Palace in Split to the turquoise lakes of Plitvice and island hopping across the Adriatic. For tourism-specific requirements, see our Croatia tourist visa guide.

Duration: Maximum 90 days in any 180-day period

Validity: Single, double, or multiple entry (up to 5 years for frequent travelers)

Processing: Standard 15-30 calendar days

Schengen Business Visa (C-Type)

For Indian professionals traveling to Croatia for business meetings, trade fairs, conferences, or corporate training. Croatia's growing economy, particularly in IT, tourism, shipbuilding, and pharmaceuticals, attracts Indian business travelers to cities like Zagreb, Split, and Rijeka. For complete business visa details, check the Croatia business visa guide.

Duration: Maximum 90 days in any 180-day period

Processing: 15-30 calendar days

Key documents for business travelers:

• Invitation letter from Croatian company (on company letterhead, with contact details and purpose)
• Employer NOC / leave approval letter on company letterhead
• Proof of business relationship (previous correspondence, contracts, trade history)
• Conference or trade fair registration confirmation (if applicable)
• Company registration documents (for self-employed applicants)

Business traveler tip: If you have previously traveled to Schengen countries on business visas, mention this in your cover letter. Previous Schengen compliance significantly strengthens your application. Croatia being a newer Schengen member means the consulate values applicants with proven track records.

Student Visa (D-Type)

Croatia is an emerging study destination for Indian students, particularly for programs in tourism and hospitality management, maritime studies, medicine (University of Zagreb, University of Split), and international relations. Tuition fees in Croatia are significantly lower than in Western Europe — typically EUR 3,000-8,000 per year for bachelor's programs.

Key documents for students:

• Acceptance letter from a Croatian educational institution
• Proof of tuition payment or scholarship
• Proof of sufficient funds for living expenses (EUR 5,000-6,000 per year minimum)
• Health insurance valid in Croatia
• Academic transcripts and certificates
• Language proficiency proof (Croatian or English, depending on program)

The Croatia student visa allows part-time work (up to 20 hours per week) during studies. Apply at least 8-12 weeks before your program starts, as student visa processing can take longer during peak season (June-September).

Work Visa (D-Type)

For Indian professionals with employment at a Croatian company. Your Croatian employer must obtain a work permit approval from the Croatian Employment Service (HZZ) before you can apply for the visa. Required documents include the employment contract, work permit, employer registration documents, and proof of qualifications.

Croatia's digital nomad visa program (distinct from the standard work visa) has also gained popularity since 2021. It allows remote workers to reside in Croatia for up to 12 months without paying Croatian income tax, requiring proof of remote work with a non-Croatian employer and minimum monthly income of EUR 2,540.

Family Reunification Visa (D-Type)

For joining family members legally resident in Croatia: spouse reunification, parents joining adult children, or minor children joining parents. The sponsor in Croatia must provide proof of adequate income, accommodation, and health insurance. Required documents include proof of family relationship (marriage certificate, birth certificate), the sponsor's residence permit, and proof of accommodation.

Airport Transit Visa (A-Type)

Required for Indian passport holders connecting through Croatian airports (Zagreb, Dubrovnik, Split) to a non-Schengen destination, without entering the Schengen area. Exemptions apply if you hold a valid Schengen visa, residence permit, or visa from certain countries.

Official Consular Fees

INR figures approximate; confirm exact EUR-to-INR rate at the time of payment.

VFS Global Service Charges

Total Estimated Costs Per Applicant

All visa fees are non-refundable regardless of the application outcome. Fees are payable at the VFS center by cash, debit card, or credit card. UPI payments are accepted at select VFS centers. Since Croatia uses EUR, the visa fee is fixed in EUR and converted to INR at the prevailing exchange rate, which may vary slightly from the approximations above.

Core Documents (Mandatory for All Visa Types)

• Valid Passport — Issued within last 10 years, valid 3+ months beyond planned departure from Schengen, minimum 2 blank pages
• Visa Application Form — Completed and signed via the official Croatia visa application portal (crovisa.mvep.hr)
• Two Passport-Sized Photos — 35mm x 45mm, white background, 80% face coverage, taken within last 6 months
• Travel Medical Insurance — Minimum EUR 30,000 coverage (approx Rs. 27 lakhs), valid across all Schengen countries, covering entire stay
• Round-Trip Flight Itinerary — Confirmed reservation (do NOT purchase tickets before visa approval)
• Proof of Accommodation — Hotel bookings for entire stay OR invitation letter from Croatian host (overena pozivnica — certified invitation)
• Proof of Financial Means — Bank statements (last 3-6 months), IT returns (2 years), salary slips (3 months)
• Cover Letter — Explaining purpose of visit, itinerary, and ties to India
• Proof of Civil Status — Marriage certificate, birth certificate of children (if applicable)

Croatia-Specific Documents

Documents for Long-Stay Visas (D-Type)

• Birth certificate (translated into English or Croatian and apostilled)
• Police clearance certificate
• Medical certificate from approved panel doctor (for certain categories)
• Proof of sufficient funds for entire stay (EUR 800-1,000/month minimum)
• Motivation letter explaining purpose of extended stay

Indian Banking Nuances

Your bank statement format matters. Here is what works with major Indian banks:

Key banking rules:

• Get statements printed within 7 days of your appointment — older statements may be rejected
• Highlight salary credits with a yellow marker so the case officer can spot them instantly
• Submit statements from all accounts you maintain — multiple accounts show complete financial picture
• Fixed deposit receipts work as proof of assets but do not replace liquid funds in savings account
• For self-employed applicants: submit current account business statements alongside savings account

Step 1: Determine Your Visa Type

Identify whether you need a Schengen short-stay visa (C-Type) for trips under 90 days or a National Long-Stay visa (D-Type) for stays exceeding 90 days. If you plan to visit Croatia as part of a multi-country European trip, ensure Croatia is your main destination (most days spent there) or your first point of entry into Schengen. Use the EU Schengen calculator to verify your day count.

Step 2: Complete Online Application

1. Visit the official Croatia visa application portal at crovisa.mvep.hr (available in English)
2. Fill the online application form — ensure all details match your passport exactly
3. Note the application reference number
4. Print and sign the completed form

Step 3: Book Appointment at VFS Global

1. Visit VFS Global Croatia website: https://visa.vfsglobal.com/ind/en/hrv/
2. Select your nearest VFS center (see VFS Centers section below)
3. Pick an available date and time (slots fill 2-3 weeks in advance during peak season)
4. Pay the VFS service fee online
5. Print the appointment confirmation letter

Appointment availability varies. Since Croatia joined Schengen only in 2023, application volumes from India are lower than for France or Italy, which can work in your favor — slots are often more readily available. However, during peak season (April-September), book at least 3-4 weeks ahead.

Step 4: Prepare Your Document Set

Organize documents in this order:

1. Signed visa application form
2. Passport + copies of previous Schengen visas
3. Photographs (2 copies, as per Schengen specifications)
4. Travel medical insurance certificate
5. Flight itinerary (round-trip)
6. Proof of accommodation or certified invitation (overena pozivnica)
7. Cover letter
8. Bank statements (last 3 months)
9. Income tax returns (last 2 assessment years)
10. Salary slips (last 3 months)
11. Employer NOC or leave approval letter
12. Marriage certificate / birth certificates (if applicable)
13. Previous passports (if any)
14. Aadhaar card copy (for identity verification)
15. Additional Croatia-specific documents (ferry bookings, island itinerary if applicable)

Step 5: Attend Appointment at VFS Center

1. Arrive 15 minutes before your appointment time
2. Carry ALL original documents with A4 photocopies — do not staple documents
3. Submit documents in the order specified above
4. Provide biometrics — digital photograph and 10 fingerprints (for Schengen visa)
5. Pay the visa fee in cash or card
6. Collect the acknowledgment receipt with tracking number

Step 6: Track Your Application

Use the VFS Global tracking portal with your reference number. You will receive SMS and email updates on your application status. Average processing takes 15-30 days for straightforward tourist applications.

Step 7: Collect Your Passport

Once a decision is made, collect your passport from the VFS center or opt for courier delivery (Rs. 500 extra). If approved, verify the visa sticker details (dates, entries, validity) before leaving the center.

Source: VFS Global Croatia Precondition Document (February 2025). Applicants must apply at the center corresponding to their state of residence. In case of application submission through VFS, the applicant may be called to the Embassy for a personal interview if required.

Apply at least 6-8 weeks before your planned travel date. During peak season (April-September), processing times may extend. Since Croatia is a newer Schengen member, some consular procedures may take slightly longer than veteran Schengen countries, so err on the side of applying early.

Compare visa guides: France | Germany | Italy | Spain | Netherlands | Greece

Croatia's advantage: Based on our experience processing Croatia visa applications, Croatia receives significantly fewer Indian applications than major Schengen countries like France or Italy, which means faster appointment availability and potentially quicker processing. Croatia is also 20-30% cheaper than Western European Schengen countries for accommodation, dining, and activities. As the newest Schengen member (joined January 2023), procedures are still maturing, but this also means less bureaucratic friction compared to countries with decades of Schengen bureaucracy.

Verdict: Croatia vs Italy — Which should you choose?

For first-time Schengen travelers, Italy is the more popular choice with higher application volumes and more standardized procedures. However, if your travel plan includes island hopping (Croatia has 1,244 islands vs Italy's limited island infrastructure for Schengen visa purposes), Game of Thrones tourism, or budget-conscious Mediterranean travel, Croatia is the better option — 20-30% cheaper, fewer crowds (except Dubrovnik in July-August), and faster VFS appointment availability. For business travelers, the choice depends on your industry: Italy for fashion, food, and design; Croatia for tourism, IT, and shipbuilding. For students, Italy has more established university partnerships with India, but Croatia offers significantly lower tuition fees (EUR 3,000-8,000/year vs Italy's EUR 5,000-20,000/year).

Best Time to Apply

Since Croatia joined Schengen only in January 2023, your previous Schengen biometrics (from France, Germany, Italy, etc.) are valid if collected within the last 59 months. You do not need to provide fresh biometrics for Croatia if your previous Schengen biometrics are still valid.

The Croatian consulate requires clear evidence that you can financially cover your stay. The minimum threshold is EUR 70 per day for short stays (approximately Rs. 6,300 per day) if you do not have a Letter of Guarantee. If you have a certified Letter of Guarantee (overena pozivnica) from a Croatian host or proof of a paid tourist package, the requirement drops to EUR 30 per day (approximately Rs. 2,700 per day). For a 10-day trip without a guarantee, you need to show access to approximately Rs. 63,000 minimum, but higher balances improve approval chances.

Source: Regulation on Visa Regime (Official Gazette No. 92/2021), Article 9; EU Practical Handbook, Annex 25.

Accepted proof:

For sponsored trips: If a Croatian resident provides a certified invitation (overena pozivnica), they certify they can accommodate you. With a Letter of Guarantee, the financial requirement drops to EUR 30/day instead of EUR 70/day.

Financial Documentation (Most Critical)

The number one rejection reason for Indian Schengen applicants is insufficient or poorly documented financial proof. Here is what works:

• Consistent salary credits over 3-6 months matter more than a large balance on one day
• Highlight salary credits with a yellow marker on printed statements
• IT returns must match bank statements — cross-check that declared income aligns with bank credits
• Multiple accounts are fine — submit all of them for a complete picture
• FD receipts supplement but do not replace savings account liquid funds

Common Rejection Reasons and How to Fix Them

Croatia-Specific Rejection Patterns

Croatia's newer Schengen status creates some unique patterns:

• Strict document verification: Croatian consular staff may scrutinize documents more carefully than veteran Schengen countries, since their procedures are still maturing
• Island itinerary gaps: If your itinerary includes Croatian islands, the consulate expects specific ferry bookings, not just a general plan
• Overena pozivnica delays: If staying with a host, ensure the certified invitation is obtained well in advance — the police verification process can take 1-2 weeks

The Incomplete Itinerary Pattern

This is the most damaging Croatia-specific refusal pattern. When the consulate sees a vague itinerary (e.g., "island hopping in Dalmatia" or "exploring Croatia") without specific ferry bookings, island accommodation, or day-by-day plans, they flag the application for insufficient travel purpose.

If you receive this refusal: Rebuild your itinerary with specific ferry bookings (Jadrolinija, Krilo, or Kapetan Luka), day-by-day hotel reservations on each island, and a cover letter explaining your travel route. Allow 4-6 weeks before reapplying.

If only the ferry bookings are missing: The fix is simpler — book specific ferry tickets (Split-Hvar, Hvar-Korcula, etc.), add island accommodation, and resubmit. Allow 2-3 weeks.

Sample Cover Letter — Tourist Visa

Use this as a starting template. Customize it with your actual details.

Date: [DD/MM/YYYY]

To,

The Visa Officer,

Embassy of Croatia / VFS Global Croatia

Subject: Application for Schengen Tourist Visa (C-Type) — [Your Name]

Dear Sir/Madam,

I am writing to apply for a Schengen tourist visa to visit Croatia from [Start Date] to [End Date] ([X] days).

PURPOSE OF VISIT:

I plan to visit Dubrovnik, Split, Hvar, and Plitvice Lakes National Park for sightseeing and cultural exploration. Croatia's medieval old towns, stunning Adriatic coastline, and national parks are the primary attractions for this trip.

ITINERARY:

• Day 1-2: Dubrovnik — Old Town walls, Fort Lovrijenac, Lokrum Island
• Day 3: Split — Diocletian's Palace, Riva promenade
• Day 4-5: Hvar — Island exploration, Stari Grad, lavender fields
• Day 6-7: Plitvice Lakes National Park — Waterfalls, boat rides, hiking
• Day 8: Zagreb — Upper Town, Museum of Broken Relationships, departure

ACCOMMODATION:

• [Hotel Name], Dubrovnik — [Dates] (Booking Ref: [XXX])
• [Hotel Name], Split — [Dates] (Booking Ref: [XXX])
• [Hotel Name], Hvar — [Dates] (Booking Ref: [XXX])

FERRY BOOKINGS:

• Split to Hvar: [Date], [Time], [Ferry Operator] (Booking Ref: [XXX])

TRAVEL INSURANCE:

I have obtained travel medical insurance with [Insurance Company Name] covering EUR 30,000 minimum across all Schengen countries for the duration of my stay.

FINANCIAL MEANS:

I am self-funding this trip. My bank statements for the last [X] months show an average balance of ₹[X] lakhs. I am currently employed as [Designation] at [Company Name] with a monthly salary of ₹[X].

TIES TO INDIA:

I have strong ties to India including:

• Permanent employment at [Company Name] (NOC attached)
• Family residing in [City] (parents/spouse/children)
• Property owned at [Address] (if applicable)

PREVIOUS TRAVEL HISTORY:

[If applicable: I have previously traveled to [Countries] on Schengen visa [Number] issued on [Date].]

I assure you that I will return to India before the expiry of my visa. All documents supporting this application are enclosed herewith.

Thank you for considering my application.

Yours faithfully,

Sample Cover Letter — Business Visa

Date: [DD/MM/YYYY]

To,

The Visa Officer,

Embassy of Croatia / VFS Global Croatia

Subject: Application for Schengen Business Visa (C-Type) — [Your Name]

Dear Sir/Madam,

I am writing to apply for a Schengen business visa to visit Croatia from [Start Date] to [End Date] ([X] days).

PURPOSE OF VISIT:

I am traveling to attend [specific event/meeting — e.g., "a technology conference in Zagreb" / "a business meeting with our Croatian partner company XYZ" / "a tourism industry summit in Split"]. The invitation from [Company Name] is attached.

ITINERARY:

• Day 1: Arrival Zagreb — meeting with [Company Name]
• Day 2: [Event/Meeting details]
• Day 3: [Event/Meeting details]
• Day 4: Departure

INVITING COMPANY:

Registered in Croatia

Contact person: [Name, Designation]

Phone: [Number] | Email: [Email]

COST BEARER:

[Company Name / Self] will bear all travel, accommodation, and living expenses during my stay.

TIES TO INDIA:

I am employed as [Designation] at [Company Name] since [Year]. My employer has granted leave for this trip (NOC attached). I have previously visited [Country] on Schengen visa [Number].

I assure you of my return to India. All supporting documents are enclosed.

Yours faithfully,

Worried about rejection? Our visa consultants review your documents before submission and help you avoid common mistakes.

Check Your Eligibility — Free Assessment

Based on our work with Indian applicants for Croatia visas, here are patterns we observe:

Common Rejection Patterns:

• Bank statements showing sudden large deposits 2-3 weeks before application (signals borrowed funds)
• Vague itinerary for island-hopping trips without specific ferry bookings or island accommodation
• Overena pozivnica obtained too late or with incomplete police verification
• Mismatch between stated income on application form and actual bank statement credits

Processing Trends:

• Croatia visa processing is generally faster than France or Germany due to lower application volumes from India
• Applications with complete documentation and clear travel purpose are often processed within 15-18 days
• Complex cases (first-time applicants with no travel history) may take 25-35 days

Seasonal Demand Patterns:

• Peak applications March-June for summer travel (July-August)
• Game of Thrones tourism spikes in Dubrovnik-related applications during spring
• Student visa applications cluster in May-June for September intake
• Off-peak season (October-February) sees faster processing and easier VFS appointment availability

Frequently Missing Documents:

• Ferry bookings for island-hopping itineraries (Croatia-specific)
• Overena pozivnica police verification receipt
• Company registration documents for self-employed business travelers
• Previous Schengen visa copies (even if expired — shows travel history)

For Schengen Short-Stay Visa Holders (up to 90 days)

Keep these documents handy at all times:

• Your passport with the visa sticker
• Travel insurance certificate (digital or printed)
• Return flight ticket (you may be asked for it at immigration)
• Proof of accommodation (hotel booking or host address)

Tourist Registration ("Prijava Boravka"): Croatian law requires your accommodation host (hotel, hostel, or private host) to register your arrival with the local tourist board or police within 24-48 hours of check-in. You do not need to do this yourself — your host handles it. However, ensure they give you a registration confirmation slip. You may be asked for this if stopped by police.

Croatian immigration officers at Dubrovnik Airport, Split Airport, and Zagreb Airport are generally friendly but thorough. Be prepared to explain your itinerary, accommodation details, and planned activities. If arriving by ferry from Italy (Ancona-Split or Bari-Dubrovnik routes), immigration checks happen at the port before disembarkation.

For Long-Stay Visa Holders (over 90 days)

Register your residence with the local police station (Policijska uprava) within 3 days of arrival:

1. Visit the local police station in your city of residence
2. Submit your passport, visa, proof of accommodation, and proof of health insurance
3. Receive a boraviste certificate (residence registration)
4. Apply for a residence permit if staying beyond your visa validity

Getting a Croatian SIM Card

Buy a SIM at the airport arrival terminal. You need your passport for registration — this is a legal requirement. A1's prepaid tourist SIM (EUR 15 for 15 days, 15GB) is popular for short stays.

Opening a Bank Account (Long-Stay Holders)

1. Choose a bank: Zagrebacka Banka (UniCredit), Privredna Banka Zagreb (PBZ, Intesa Sanpaolo), Erste Bank, Raiffeisen Bank, or Revolut
2. Required documents: Passport, visa, proof of address, OIB (Croatian tax identification number)
3. OIB: Apply at the local tax office (Porezna uprava) — you need this for everything in Croatia
4. Processing time: 1-2 weeks for traditional banks, 24 hours for online banks

Q1: Which consulate do I apply at if visiting multiple Schengen countries including Croatia?

Apply at the consulate of the country where you spend the most nights. If you spend equal nights in multiple Schengen countries, apply at the consulate of your first point of entry into the Schengen zone. For example, if you fly Mumbai → Zagreb (3 nights) → Paris (3 nights) → Rome (3 nights), apply at the Croatian consulate since Zagreb is your first entry point. This is the Schengen main destination rule and it applies uniformly across all 27 Schengen member states.

Q2: What is the Croatia visa fee for Indians in 2026?

The Schengen short-stay visa fee is EUR 90 (approx Rs. 8,100) for adults. Children under 12 are exempt from visa fees (Croatia applies the broader exemption under EU 2024/1415). VFS Global service charge of Rs. 2,500 is additional, bringing the total for an adult to approximately Rs. 10,600. Long-stay national visa (D-Type) fee is EUR 93 (approx Rs. 8,370). All fees are non-refundable.

Q3: How long does it take to get a Croatia visa from India?

Standard processing takes 15-30 calendar days for Schengen short-stay applications. Complex cases may take up to 45 calendar days (per MVEP FAQ). Long-stay national visas (D-Type) typically take 30-45 working days. During peak season (April-September), expect longer processing times. Apply at least 6-8 weeks before travel.

Q4: What is the minimum bank balance for a Croatia tourist visa?

For a 10-15 day trip, maintain a consistent balance of Rs. 2-3 lakh over the past 3 months. The minimum requirement is EUR 70 per day (approx Rs. 6,300/day) without a Letter of Guarantee, or EUR 30 per day (approx Rs. 2,700/day) with a guarantee. For a 10-day trip without a guarantee, you need to show access to approximately Rs. 63,000 minimum, but higher balances improve approval chances. Croatia is more affordable than Western Europe, so the financial threshold is lower than for France or Italy.

Q5: Is Croatia a Schengen country? When did it join?

Yes, Croatia is a full Schengen Area member since January 1, 2023. It is the 27th and newest Schengen member state. A Croatia-issued Schengen visa allows travel to all 27 Schengen countries. Croatia also adopted the Euro (EUR) on the same date, replacing the Croatian kuna (HRK).

Q6: What is an overena pozivnica and do I need one?

An overena pozivnica (certified invitation) is an official invitation document certified by the Croatian police. You need one if you plan to stay with family or friends in Croatia rather than in a hotel. Your Croatian host must obtain this from their local police station. The police verification process confirms your host's address and accommodation adequacy. Unlike France's attestation d'accueil which requires a EUR 35 fee, Croatia's certified invitation involves a police verification process that can take 1-2 weeks.

Q7: Is travel insurance mandatory for a Croatia visa?

Yes. Travel medical insurance with minimum coverage of EUR 30,000 (approx Rs. 27 lakhs) valid across all Schengen countries for your entire stay is mandatory. The insurance must cover medical emergencies, hospitalization, and repatriation. Indian insurers like ICICI Lombard, Tata AIG, and HDFC Ergo offer Schengen-compliant policies starting from Rs. 500 for a week-long trip.

Q8: Can I work in Croatia on a tourist visa?

No. A tourist visa strictly prohibits any form of paid employment. You need a specific work visa with a work permit for employment in Croatia. Croatia's Digital Nomad Visa (for remote workers with non-Croatian employers) is a separate category and not covered by a standard tourist visa.

Q9: What is the success rate of Croatia visa for Indians?

The Croatia Schengen visa approval rate for Indian applicants is approximately 72% (606 refusals out of 2,315 applications in 2024, per European Commission data). Well-prepared applications with complete documentation have higher success rates. Croatia's overall refusal rate of 19.3% is higher than the EU average of 14.8%, so thorough preparation is especially important.

Q10: How long is a Croatia visa valid for Indian citizens?

Validity depends on your travel history and application. First-time applicants typically receive single or double-entry visas valid for the specific travel dates. Frequent travelers with clean Schengen history may qualify for multiple-entry visas valid up to 5 years. Croatia follows standard Schengen validity rules.

Q11: Can I extend my Croatia tourist visa?

Extensions are only granted in exceptional circumstances such as force majeure, humanitarian reasons, or late entry. Standard tourist visits cannot be extended. You must leave the Schengen area before your visa expires.

Q12: What happens if my Croatia visa is rejected?

You can appeal the decision within 8 days of receiving the rejection notice. Appeals are filed with the Ministry of Foreign and European Affairs of Croatia. Common rejection reasons include insufficient funds, weak travel itinerary, and incomplete documentation. Address the specific rejection grounds in your appeal. Alternatively, you can reapply with corrected documentation. For more details, see our visa rejection guide.

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Disclaimer: This guide provides general information and is not a substitute for professional legal advice. Visa regulations may change without notice. Always verify with the Croatian Embassy (https://mvep.gov.hr), official visa portal (https://crovisa.mvep.hr), or VFS Global (https://visa.vfsglobal.com/ind/en/hrv/) before applying.