Investing in India, simplified for NRIs
Whether you’re in the Gulf, the US, the UK or Singapore — build and manage your India portfolio with confidence and full compliance.
NRE / NRO Investing
Invest in Indian mutual funds and bonds through NRE/NRO accounts with full repatriation clarity.
Taxation & DTAA
Understand TDS, capital-gains treatment and Double Taxation Avoidance benefits for your country.
GIFT City / IFSC
Access USD-denominated, tax-efficient global investment structures via India’s IFSC.
Remote Onboarding
Complete KYC and start investing from anywhere in the world — fully digital, fully compliant.
Which account is right for you?
The two accounts most NRIs use differ in how they’re taxed and how freely you can move money abroad. Here’s the head-to-head.
| Feature | NRE account | NRO account |
|---|---|---|
| Purpose | Park your foreign earnings in India. | Manage income earned within India — rent, pension, dividends. |
| Taxability | Interest and principal are tax-free in India. | Interest earned is taxable (subject to TDS). |
| Repatriation | Principal and interest are freely and fully transferable abroad. | Interest is fully repatriable; principal is capped at USD 1 million per financial year. |
| Joint holding | Only with another NRI. | With an NRI or a resident Indian. |
| Currency & funding | Held in INR; funded by foreign remittances or existing NRE/FCNR accounts. | Held in INR; accepts foreign remittances as well as local Indian income. |
Choose an NRE account if…
you’re sending your overseas salary or savings to India and want to be able to move that money back to your country of residence whenever you like.
Choose an NRO account if…
you have ongoing income in India — rent, a pension, dividends or existing investments — that you need to receive and manage locally.
Two things worth remembering
- FEMA rule: once your status changes to NRI, a resident savings account must be redesignated to an NRO account (or closed) — you can’t keep operating it as a resident account.
- Transfers are one-way: you can move funds from NRE to NRO, but not from NRO back to NRE — so the account you receive money into matters.
What every NRI should know before investing
A quick, plain-English primer on the things that most affect your India portfolio — the accounts you use, moving money across borders, tax, and the rules that apply where you live.
Repatriation — moving money back home
Investments made from NRE funds can be sold and remitted abroad freely, with no ceiling. From an NRO account you can repatriate up to USD 1 million per financial year, subject to tax clearance (Forms 15CA/15CB). We structure your accounts so the money you may want overseas stays repatriable.
Taxation, TDS & DTAA
Unlike resident investors, NRIs have tax deducted at source (TDS) on mutual-fund redemptions, at the applicable short- or long-term capital-gains rate. If your country of residence has a Double Taxation Avoidance Agreement (DTAA) with India, you may reduce that or claim credit when you file. We explain the treatment specific to where you live.
US & Canada residents (FATCA)
Because of FATCA and CRS reporting rules, only some Indian fund houses accept investors resident in the US and Canada — sometimes with extra declarations or physical forms. It is entirely possible: we point you to the AMCs that will onboard you and handle the additional paperwork.
When you move back to India
Once you return and become a resident again, your NRE/NRO accounts and fund folios are simply redesignated to resident status — your existing investments continue uninterrupted, with no need to redeem. We manage the status change and update your plan for resident taxation.
A remote-first process built for NRIs
- Discovery call across time zones
- Goal & residency-aware approach
- Digital, paperless onboarding
- Ongoing reviews you can join remotely
Common NRI questions we answer
- • Can I continue my SIPs after becoming an NRI?
- • How is my mutual-fund gain taxed in India and abroad?
- • NRE vs NRO — which account for which investment?
- • What happens to my investments when I return to India?
Ready to redefine your financial freedom?
India is among the world’s top saving nations. But savings alone aren’t enough — your money has to work as hard as you do, spread across asset classes so it keeps pace with inflation and protects the purchasing power of the rupee.