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Home / NRI & Global Services / NRI Property Purchase
Last updated: 2 October 2026
Buying a flat, house or office in India from abroad? The payment route, the TDS you deduct and the paperwork you keep decide how smoothly you can rent, sell or repatriate later. Our team plans the purchase with you and coordinates the paperwork end to end.
NRIs and OCIs can buy residential and commercial property in India without RBI approval. They cannot buy agricultural land, plantations or farmhouses.
Payment must come through banking channels — an inward remittance from abroad, or your NRE, FCNR(B) or NRO account. Traveller’s cheques and foreign currency notes are not allowed. Paying from NRE, FCNR or an inward remittance matters later: sale proceeds of up to two residential properties bought in foreign exchange can be repatriated up to the amount paid.
TDS on the purchase is the buyer’s responsibility:
Stamp duty and registration charges are set by each state. If you cannot be present, registration can be done through a power of attorney executed abroad and attested or apostilled.
Based on RBI rules under FEMA and the Income-tax Act, 2025. Last updated: 27 September 2026.
Residential and commercial property; no RBI approval needed
Agricultural land, plantations and farmhouses
Payment by inward remittance or NRE / FCNR / NRO — no cash or foreign currency notes
When buying from a resident seller for ₹50 lakh or more
TDS base when buying from an NRI seller, unless a lower certificate is given
Residential properties bought in foreign exchange whose sale proceeds can later be repatriated
Problems usually show up years later — at resale or repatriation.
Paying from NRO when you will want to repatriate later, or without bank records of the payment.
A buyer who does not deduct or deposit TDS is liable for the tax, with interest and penalty.
Encumbrances, missing approvals or unregistered agreements found after money is paid.
A purchase links to your future sale, your return and your investments.
Selling later — TDS, capital gains and remittance.
Moving money between India and abroad.
Other investments for NRIs in India.
Report rent and gains each year.
We confirm what you can buy and plan the payment route.
Title and document checks through an independent advocate.
Payments scheduled from the right account, with bank records kept.
We work out, deduct and deposit the TDS on your behalf and issue the certificate.
Registration in person or through a power of attorney executed abroad.
Mutation in municipal records and a purchase file kept for resale and repatriation.
Keep the purchase file safe — it is what makes a later sale and repatriation straightforward.
Bank records of foreign-exchange payments decide how much can be repatriated on sale.
Rent is taxable in India; tenants must deduct TDS on rent paid to an NRI.
Keep municipal records and property tax up to date in your name.
TDS, capital gains and remittance rules apply — see our property sale service.
Share your query and our team will reply during business hours.
Yes. NRIs and OCIs can buy residential and commercial property in India without RBI approval, paying through banking channels.
No. NRIs and OCIs cannot buy agricultural land, plantations or farmhouses, though they can inherit them.
Yes. When buying from a resident seller for ₹50 lakh or more, deduct 1% TDS. When buying from an NRI seller, deduct TDS on the full price at the non-resident rates, unless the seller provides a lower deduction certificate.
Yes. Indian banks and housing finance companies lend to NRIs; the loan is repaid from NRE, NRO or FCNR accounts or by remittance from abroad.
Yes. Registration can be done through a power of attorney signed abroad and attested or apostilled, in line with the state’s rules.
ACS – Director, Expertvuw Management Pvt Ltd
Purchase cases are coordinated by Expertvuw’s team. Title and legal due diligence are carried out by independent advocates, and registration takes place before the state registration authority.