Why Invest in INDIA ?

India has positioned itself as one of the world's fastest-growing economies. With a flourishing economy and a substantial population, India is now attracting investments in various sectors from all around the globe. This presentation aims to elucidate the factors contributing to India's appeal as a favored destination for global investments.

$5T

4th Largest
Economy

$125B+

Annual
Remittances

7%

Annual
GDP Growth

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guide

NRI investment options in India:

A complete guide

Whether you are aiming for high returns in equity markets or prioritising safety with fixed deposits and bonds, it's crucial for NRIs to understand the tax implications, risk factors, and regulatory requirements before investing.

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Reasons Why NRIs Should Invest in India

To Prepare for Their Retirement

Getting ready for old age is important, especially for NRIs living abroad. Investing in various platforms, including NRI investment options in India, ensures financial security during retirement.

To Get Good Returns

Investing wisely today can lead to substantial returns in the future. NRIs can explore NRI investment options in India for potential growth, with careful consideration of risk and profit.

Money for The Family

NRI investments in India can serve as a financial safety net for families back home, providing extra support during times of need.

To Build Financial Assets and Portfolio

Exploring NRI investment options in India enables the growth of financial assets, such as purchasing property for rental income or collateral for loans, contributing to long-term financial stability.

FAQs

Yes, Non Resident Indians (NRI) and Persons of Indian Origin (PIO) can invest in Indian Mutual Funds on a full repatriation as well as non-repatriation basis. NRIs need to fulfill all KYC and regulatory requirements before investing in Mutual Funds.

A few countries such as US and Canada have restricted investments by NRIs in Mutual Funds without relevant disclosures. Some AMCs do not accept mutual fund applications from NRIs in Canada and the USA.

Yes, NRIs can invest through SIP.

Yes, NRI can opt for both Growth & Dividend options while investing in Mutual Funds in India.

The redemption proceeds received in NRE/FCNR A/c can be repatriated. But it can not be repatriated from NRO A/c.

NRIs can choose from three major types of accounts. As an NRI in India, you can open an NRE (Non-Resident External) Account, NRO (Non-Resident Ordinary) Account and FCNR (Foreign Currency Non-Resident) Deposit Account.

An NRE(Non-Resident External) Account is a rupee-denominated account that NRIs can open. They can use the NRE account to deposit their foreign currency earnings. The advantage of an NRE account is that it has high liquidity and allows for full repatriation of funds from the account to the NRI's country of residence when required.

An NRE account can be opened by an NRI, Person of Indian Origin(PIO) or a person who has become a non-resident under FEMA.

No.

FCNR stands for Foreign Currency Non Resident Account. This is a kind of fixed deposit account opened for depositing income earned overseas. The account is held in foreign currency. The account can be opened by Non-Resident Indians (NRI) and Overseas Corporate Bodies (OCB).

A Non-Resident Ordinary (NRO) Account is a popular way for many Non-Resident Indians (NRIs) to manage their deposits or income earned in India such as dividends, pension, rent, etc. This account allows you to receive funds in either Indian or foreign currency.

The Foreign Exchange Management Act (FEMA) is legislation which regulates the inflow and outflow of foreign exchange. The Central Government of India formulated the same to encourage external payments and across the border trades in India.

i. NRIs need to open NRE, NRO or FCNR A/c with Indian Bank. ii. NRIs need to submit a Mutual Fund Application along with the KYC Documents. iii. KYC documents include latest Photo, attested photocopy of Pancard, Passport, Address proof of Outside India and Bank Statement. iv. NRI investors can select a POA holder to invest in his/her behalf. Signature of Investor and POA holder should be present in the document.

i. NRI investors need to complete the KYC process along with investment proposals. ii. If payment is made by a Cheque or Demand Draft then Foreign inward remittance certificate or letter from the bank is required. iii. At the time of Redemption TDS is applicable as per highest tax bracket and remaining sale procedure gets credit in Bank A/c. If the investment is non-repatriable investment then proceeds get credited to NRO A/c only. iv. NRI can submit an income tax return and get a refund of the excess TDS amount paid.

i. Equity Taxation - 15% on short term and 10% on long term above Rs 1lakh without any indexation. ii. From FY 2023-24 Capital Gain in All Mutual Funds having equity exposure less than 35% will be taxed as per applicable slabs, irrespective of the holding period & no indexation benefit will be available on the long-term capital gain.

For Equity oriented Mutual Fund TDS is deducted 10% for LTCG and 15% for STCG. Other than equity mutual funds TDS rate is 30% in both STCG & LTCG.

Any Individual, inclusive of NRI, if total Income exceeds 2.5 lakhs need to submit income tax return in India.

India has Double Taxation Avoidance Agreement (DTAA) with more than 90 countries across the globe. So if NRI residing in a country which has signed DTAA with India, investors can avoid double taxation.

Resident and Ordinarily Resident in India(ROR). Resident but not Ordinarily Resident in India(RNOR). Non Resident (NRI).

An HUF can become NRI provided all the members of coparceners become NRI.

For determining whether HUF is a Resident or not, the residential status of its 'Karta' for the relevant previous year is of no relevance.

Yes, NRI can Invest in ELSS Mutual Fund to get eligible for Sec 80C deductions of Rs 1.5 Lakhs.

i. Life insurance premium payment. ii. Children's tuition fee payment. iii. Principal repayments on loan to purchase house property. iv. Unit-Linked Insurance Plan (ULIP). v. Investments in ELSS

i. Investment in Public Provident Fund (PPF). ii. Investments in National Savings Certificates (NSCs) iii. Post office 5-year deposit scheme. iv. Senior Citizen Savings Scheme (SCSS)

Interest earned in NRE & FCNR A/c is tax free but interest in NRO A/c is fully taxable in India. Interest in NRO A/c is subject to TDS without any threshold limit.

NRIs are people who are Indian citizens but residing abroad. On the other hand, PIOs are people who are foreign citizens(Other than Bangladesh or Pakistan) but once held an Indian passport. If they were born abroad to Indian parents or parents who once held an Indian passport, they would qualify for PIO status, but not for NRI status.

An Individual is said to be Resident in India in any previous Year if he satisfies any one of the following basic conditions. Basic Conditions: A. He was in India in the previous year for a period of 182 days or more. B. Stays in India for at least 365 days during 4 preceding years and 60 days or more in the relevant financial year. Beside the basic conditions there are two additional conditions. Additional Conditions: He has been Resident in India for at least two out of the ten previous years preceding the relevant previous year. He has been in India for at least 730 days in all during the seven previous years preceding the relevant previous year

If an Individual satisfies any one basic condition for being resident but does not satisfy two additional conditions, he is said to be Not-Ordinary Resident.

If the Individual does not satisfy none of the Basic conditions to become Resident he is said to be Non Resident Indian. Additional conditions are irrelevant.

An Indian Citizen, who is not liable to pay tax in any other country by reason of his domicile or residence and total income exceeding 15lakh other than foreign income shall be deemed to be Resident of India.

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