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Home / NRI & Global Services / NRI Investment in India
Last updated: 2 October 2026
Invest in Indian shares, mutual funds, deposits or property as an NRI or OCI — through the right account, on a repatriable or non-repatriable basis, with the tax side planned from the start. Our team sets up the route and handles the paperwork with your bank.
NRIs and OCIs can invest in most Indian assets under FEMA rules. The account you invest from decides whether the money — and the gains — can later go back abroad:
Listed shares are bought through the Portfolio Investment Scheme (PIS) via your bank, within individual and aggregate limits per company. Mutual funds can be bought through NRE or NRO accounts, though residents of the USA and Canada are accepted only by some fund houses. Property — residential or commercial — is allowed; agricultural land, plantations and farmhouses cannot be bought.
Based on RBI rules under FEMA and the Income-tax Act, 2025. Last updated: 27 September 2026.
Repatriable account funded from abroad; interest is tax-free in India
For Indian income; can be sent abroad within USD 1 million per financial year after tax
Route for NRIs to buy listed shares on Indian stock exchanges
Long-term capital gains tax on listed shares above ₹1.25 lakh a year; short-term gains at 20%
NRIs and OCIs cannot buy agricultural land, plantations or farmhouses
Only some mutual fund houses accept investors resident in these countries
Most issues start with the account used, not the investment chosen.
Savings accounts and demat accounts not converted to NRO / NRI status after moving abroad.
Investing through NRO when you plan to take the money back abroad later.
Higher TDS on gains and dividends because no Tax Residency Certificate or Form 41 is on record.
Investing usually connects to repatriation, treaty relief and your yearly return.
Send investment proceeds abroad within RBI limits.
Treaty rates on dividends and interest.
Buying a flat or office in India.
Report gains and claim back excess TDS.
We look at your residency, country of residence and goals.
We recommend NRE, NRO or FCNR(B) for each type of investment.
We help complete bank, demat and fund house KYC.
Shares through PIS, mutual funds, deposits or property — each set up on the right basis.
TRC and Form 41 on record so treaty rates apply where available.
Tax return, TDS reconciliation and repatriation planning each year.
Returns on Indian investments are taxed in India first; what you can take back depends on the account.
Capital gains on Indian shares, funds and property are taxed in India, with TDS for NRIs.
Taxable in India with TDS; a lower treaty rate may apply with a TRC.
Repatriable investments and their proceeds can go back abroad.
Proceeds can be sent abroad within USD 1 million per financial year after tax.
Share your query and our team will reply during business hours.
Yes. NRIs and OCIs buy listed shares through the Portfolio Investment Scheme using a PIS-linked bank account and an NRE or NRO demat account, within the limits set for each company.
Yes, but only some fund houses accept investors resident in the USA or Canada, often with extra declarations. We check which options fit your profile.
Investments from an NRE account are repatriable. Investments from an NRO account are non-repatriable, though NRO balances can be sent abroad within USD 1 million per financial year after tax.
No. NRIs and OCIs cannot buy agricultural land, plantations or farmhouses. They can, however, inherit them.
No. Interest on NRE and FCNR(B) deposits is tax-free in India while you are a non-resident. NRO interest is taxable.
ACS – Director, Expertvuw Management Pvt Ltd
Investment set-up is handled by Expertvuw’s team with your bank and fund houses. We do not sell investment products or give buy/sell recommendations; any certificate required by law is issued by an independent qualified professional.