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How NRIs Can Invest in India
India has become an attractive destination for NRIs looking to invest—thanks to a growing economy, a booming stock market, and competitive interest rates. But the rules around NRI investment can feel overwhelming at first. This blog will walk you through how NRIs can invest in India, what the options are, and how to get started easily.
Can NRIs Invest in India?
Can NRIs Invest in India?
Yes! NRIs are allowed to invest in various Indian assets—stocks, mutual funds, fixed deposits, real estate, and more. You just need to follow certain RBI (Reserve Bank of India) and FEMA (Foreign Exchange Management Act) regulations.
Step-by-Step: How NRIs Can Start Investing in India
Step-by-Step: How NRIs Can Start Investing in India
Step 1: Open the Right Bank Accounts
Step 1: Open the Right Bank Accounts
To invest in India as an NRI, you’ll need:
NRE (Non-Resident External) Account – For income earned outside India (fully repatriable).
NRO (Non-Resident Ordinary) Account – For income earned within India (rent, dividends, etc.).
FCNR Account – Fixed deposit in foreign currency.
Step 2: Get an NRI PAN Card
Step 2: Get an NRI PAN Card
You’ll need a PAN (Permanent Account Number) to invest in Indian stocks, mutual funds, or open Demat accounts. If you don’t have one, you can apply through your nearest Indian embassy or online via NSDL or UTIITSL.
Step 3: Open a Portfolio Investment Scheme (PIS) Account (for stock investing)
Step 3: Open a Portfolio Investment Scheme (PIS) Account (for stock investing)
If you plan to invest in Indian equities directly, you must open a PIS account through a bank approved by the RBI. This allows you to invest in Indian stock exchanges legally.
Investment Options for NRIs
Investment Options for NRIs
- Mutual Funds
NRIs can invest in mutual funds via NRE/NRO accounts.
Many AMCs (Asset Management Companies) allow online SIPs for NRIs.
Taxation differs based on fund type and holding period.
ShreeMoney can help you choose the right mutual funds based on your goals and risk profile.
2. Real Estate
2. Real Estate
NRIs can buy residential and commercial properties (not agricultural land).
Loans are available from Indian banks for property purchases.
Rental income is taxable in India but repatriable after TDS.
3. Stocks and ETFs
3. Stocks and ETFs
You can invest directly in Indian stocks via a PIS-linked Demat account.
Make sure to stay updated on capital gains taxes and STT (Securities Transaction Tax).
4. Fixed Deposits
4. Fixed Deposits
You can invest in NRE, NRO, and FCNR deposits.
NRE and FCNR deposits are tax-free in India.
NRO deposits are taxable, but returns are competitive.
What about Taxes?
What about Taxes?
NRE FD Interest – Tax-free in India.
Mutual Funds – Taxed based on asset type and duration.
Rental Income & Capital Gains – Taxable in India, with TDS applicable.
DTAA – India has Double Taxation Avoidance Agreements with 90+ countries, so you don’t pay tax twice.
📌 At ShreeMoney, we help NRIs plan their taxes smartly and legally.
Documents You'll Need
Documents You'll Need
PAN Card
Valid Passport & Visa
Overseas Address Proof
NRE/NRO Bank Details
KYC Documents for Investments
How ShreeMoney Helps NRIs
How ShreeMoney Helps NRIs
Choose the right mutual funds and investments
Understand taxation and repatriation rules
Manage paperwork and compliance remotely
Monitor and review your portfolio with expert advice
Whether you're in the US, UK, UAE, Canada, Singapore, or anywhere in the world—you can invest in India with ease and confidence. Let ShreeMoney guide you through the process with personalized financial planning tailored to your goals.
Disclaimer: This blog is for educational purposes only. Please consult a registered investment advisor or tax professional before making any financial decisions.
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