Investing in India as a Non-Resident Indian

Overview

Non-Resident Indians have access to a range of Indian investments, including certain mutual funds, subject to eligibility, KYC and banking requirements. The route you use can affect how easily funds can be repatriated and how returns are taxed.

We help NRI families understand the practical steps, the questions to settle with banks and tax professionals, and how Indian investments connect to long-term goals such as education, retirement or a future return to India.

What clients typically look for

• Clarity on account types and documentation for NRI investing
• Understanding of repatriation of funds and any limits that apply
• Awareness of how Indian and overseas tax rules may interact
• Long-term planning for family goals across countries

Key considerations and risks

• Eligibility and requirements depend on your residency status and country of residence
• Some fund houses place restrictions on investors from certain jurisdictions
• Repatriation depends on the account and investment route used
• Tax treatment in India and in your country of residence can differ and should be reviewed with qualified professionals
• Regulations change, so information should be verified at the time of investing
• Currency movements can affect outcomes when measured in your home currency

How the conversation works

1. Establish your status

   We confirm residency status and the documents typically required.

2. Clarify the account route

   We explain how banking and investment accounts are commonly structured for NRIs.

3. Match investments to goals

   We relate eligible options to your goals, horizon and risk comfort.

4. Review with professionals

   We encourage coordination with tax advisers in India and abroad before you invest.

Frequently asked questions