I have one question regarding the photo. The cgisf website says
"...You must also submit TOTAL THREE (3) PASSPORT SIZE PHOTOGRAPHS IN COLOR FOR EACH APPLICANT with LIGHT BACKGROUND. THE PHOTOGRAPH MUST SHOW FULL FRONT VIEW OF THE PERSON’S HEAD AND SHOULDERS. Each photograph should be of (SIZE 2" inches X 2" inches) ..."
Who takes photos of that size and also with non-white background? So far that I have taken any passport photos they are all based on white background.
Photos same as (or similar to) US passport type are fine to send. They are not very fussy about photos. You can even take them at home with your digital camera and print them at Costco or Walgreen's, etc. - so long as they 'look like' the examples in http://www.cgisf.org/oc/oci_instructions.html and http://ociindia.nic.in/ociindia/ICAO-Photo.pdf you should be fine.
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