25 Carat Wealth Buy Future Income Today Get Started
International Investment Desk

Global expertise. Indian roots.

Investing in India from abroad is less about picking funds and more about getting the structure right — the account type, the repatriation route, the tax treaty. We handle that part, so your portfolio stays compliant and your gains stay yours.

Speak to the NRI desk arrow_forward Model your investment
Accounts Decoded

NRE or NRO — the choice sets everything else

Which account the money sits in determines whether you can take it home, and how much tax it attracts on the way.

currency_exchange

NRE Account

Non-Resident External. For foreign earnings remitted into India and held in rupees.

  • check_circleFully repatriableBoth principal and interest can be moved back out without a cap.
  • check_circleInterest exempt in IndiaNRE interest is not taxable in India, though your country of residence may tax it.
  • check_circleInvestments stay repatriableMutual funds bought from NRE funds retain repatriable status.
  • infoCurrency risk sits with youBalances are held in rupees, so exchange rate movement affects the value on the way out.
account_balance

NRO Account

Non-Resident Ordinary. For income arising within India — rent, dividends, pension, or the proceeds of assets held here.

  • infoRepatriation is cappedUp to USD 1 million per financial year, subject to documentation.
  • warningInterest is taxableNRO interest is taxed in India and subject to TDS at the applicable rate.
  • infoForms 15CA / 15CB applyRepatriation needs a chartered accountant's certification.
  • check_circleNecessary, not optionalIndian-source income legally must route through an NRO account.
Regulatory Framework

FEMA, decoded

The Foreign Exchange Management Act governs every rupee an NRI moves in or out of India. Most compliance problems we see are not deliberate — they come from a residency change nobody reported. Here is what actually matters.

NRIs can invest in Indian equities through the Portfolio Investment Scheme (PIS). An individual NRI's holding cannot exceed 5% of a company's paid-up capital, and aggregate NRI holding is capped at 10% — raisable to 24% by a shareholder resolution, subject to sectoral limits. Mutual funds are outside PIS and are considerably simpler.
Investments made on a repatriable basis — that is, funded from an NRE account or by inward remittance — allow both principal and capital gains to be taken out of India after applicable taxes. Investments funded from an NRO account are non-repatriable beyond the USD 1 million annual limit. The account you buy from decides this, permanently, so it is worth getting right at the outset.
When your residential status changes, FEMA requires you to inform your bank and financial institutions promptly so resident accounts can be re-designated to NRO or NRE — and converted back if you return. Continuing to operate a resident savings account after becoming an NRI is a common and entirely avoidable breach.
NRI KYC needs a PAN card, passport, visa or residence permit, overseas address proof and an FATCA declaration. Most fund houses now accept video-based verification, which removes the need to be physically present in India. We handle the paperwork end to end and tell you upfront which fund houses currently accept investors from your country of residence — a small number do not accept US and Canada-based NRIs.
verified_user

Full transparency

AMFI registered under ARN-172683. Every transaction is documented, every commission disclosed, and every scheme document shared before you invest — not after.

Certification

Authorised Mutual Fund Distributor

Padmashini Pathak · ARN-172683

language

Taxed once, not twice

India has double taxation avoidance agreements with more than 90 countries. Using them properly is a documentation exercise, and we do it with you.

Tax Position

Optimised, and above board

Tax should not be the reason you avoid investing in India — but it should absolutely shape how you do it. We coordinate with your chartered accountant so the plan works on both sides of the border.

  • check_circleTDS managementTax deducted at source on NRO income and on capital gains is tracked, reconciled and reclaimed where excess has been withheld.
  • check_circleCapital gains planningHolding periods are managed so equity and debt gains fall under the intended short- or long-term treatment.
  • check_circleDTAA benefitsTax residency certificates and Form 10F are arranged so treaty rates actually apply instead of the default rate.
  • check_circleRepatriation paperworkForms 15CA and 15CB coordinated with your CA ahead of the remittance, not during it.

Tax treatment depends on your individual circumstances and the law in your country of residence, and both may change. This is general information, not tax advice — please confirm your position with a qualified tax professional.

The NRI advantage

language

Across time zones

Clients in the UAE, USA, Singapore, UK and Australia. Calls scheduled to your working day, not ours.

lock

Documented, always

Every instruction confirmed in writing. Statements and capital gains reports delivered without being asked.

support_agent

One advisor

You deal with the person who built your plan and understands the residency questions behind it.

Investing in India from abroad?

Book a confidential 30-minute call. Bring your account structure and your questions — we will tell you what needs fixing before anything is invested.

Speak to the NRI desk Email us
chatTalk to us