NRI Investment Plans in India

NRI Investment Plans

NRIs can open Non-Resident External (NRE) and Non-Resident Ordinary (NRO) accounts to manage income earned abroad and repatriate funds to India.

Banks offer NRI fixed deposits with attractive interest rates and flexible tenure options, providing a safe investment avenue.

 NRIs can invest in Indian mutual funds through the Portfolio Investment Scheme (PIS) route, offering diversification across equity, debt, and hybrid funds.

 NRIs can invest in residential and commercial properties in India, either for personal use or as a long-term investment for rental income or capital appreciation.

 Insurance companies offer NRI-specific life insurance and health insurance plans, providing financial protection and coverage benefits while living abroad.

Non-Resident Indians (NRIs) have a variety of investment options in India that offer attractive returns, tax benefits, and diversification opportunities. Investing in India allows NRIs to benefit from the country’s growing economy and financial markets. Here are some of the popular and beneficial investment options for NRI

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some popular NRI investment plans and their benefits:

Fixed Deposits (FDs)

Safe Investment: Fixed returns with low risk.

Tax-Free: Interest earned on NRE FDs is tax-free in India.

Currency Risk Mitigation: NRE FDs are held in INR, protecting against currency fluctuations for NRIs with regular remittances.

Mutual Funds

Potential for High Returns: Especially in equity funds over the long term.

Liquidity: Easy to redeem units as per needs.

Tax Efficiency: Long-term capital gains on equity mutual funds are tax-free up to a certain limit.

Real Estate

Tangible Asset: Physical ownership of property.

Long-Term Growth: Real estate typically appreciates over the long term.

Rental Yield: Source of regular income

Public Provident Fund (PPF)

Safe Investment: Backed by the government.

Tax Benefits: Interest earned and maturity proceeds are tax-free.

Compounding: Benefits from the power of compounding over the long term.

National Pension System (NPS)

Tax Efficiency: Tax benefits under Section 80C and additional benefits under Section 80CCD(1B).

Flexible Contributions: Option to choose investment amount and frequency.

Annuity: Option to receive a regular pension post-retirement.

Bonds and Debentures

Corporate Bonds: Issued by companies for a fixed tenure with fixed returns.

Government Bonds: Sovereign securities with assured returns.