NRich — NRI Investment Desk

SIP Maadi · NRI Investment Desk

Your roots are here.
Let your wealth grow here too.

Living abroad shouldn't mean missing out on India's growth story. We help NRIs, PIOs and OCIs invest in India the right way — clear on the rules, the accounts, and the tax, so you invest with confidence and stay fully compliant.

Talk to an AdvisorExplore Options
NRE / NRORepatriable & non-repatriable
FEMAFully compliant routes
End-to-endKYC, FATCA & IPV support

Who we help

✓NRIs — Indian citizens living or working abroad
✓PIOs / OCIs — persons & overseas citizens of Indian origin
✓Returning Indians updating residency & portfolios
✓Families managing India-linked assets from overseas
No Double Taxation. Invest with Peace of Mind. India has DTAA agreements with 80+ countries so you only pay tax once — invest in India tax-efficiently with a global DTAA network.

Know Before You Grow

NRI Taxation — The Essentials

How your India investments are taxed, in plain terms. Rates reflect current rules; always confirm for your situation.

EQUITY / EQUITY MF

Capital Gains

Short-term (held < 12 months):

20%

Long-term (> 12 months): 12.5% on gains above ₹1.25 lakh/year. Applicable surcharge & cess extra.

DEBT MF

Capital Gains

For units bought on/after 1 Apr 2023:

Slab

Gains taxed at your income-tax slab rate, regardless of holding period. No indexation benefit.

TDS

Tax Deducted at Source

For NRIs, TDS applies:

At source

Tax is generally deducted before redemption proceeds are paid out — a key difference from resident investors. DTAA relief may apply.

⚠️ NRI taxation interacts with the Double Taxation Avoidance Agreement (DTAA) between India and your country of residence, which can reduce or offset tax. Rates, surcharge and cess vary by income level and are subject to change. Please consult us or a tax advisor for advice specific to your case.

Smart Tax Planning for NRIs — optimize today, prosper tomorrow. Tax efficient strategies, maximize savings, stay compliant, and expert guidance for NRIs. Personalized tax solutions, because every NRI's journey is unique.

Common Questions

NRI Investing — FAQs

Quick answers to what NRIs ask us most.

Can NRIs invest in Indian mutual funds?
Yes. NRIs can invest in Indian mutual funds on a repatriable or non-repatriable basis through their NRE/NRO accounts, subject to FEMA regulations. NRIs from the USA and Canada can invest with select FATCA-compliant AMCs only.
Do I need a new KYC after becoming an NRI?
Yes. Once your residential status changes to NRI, a fresh KYC is required, along with a FATCA declaration and in-person verification (IPV). We help you complete all of this smoothly.
What happens to my existing SIPs?
You can continue existing SIPs, but you'll need to update your residency status and NRE/NRO bank details with the AMC for future investments and redemptions.
Can I repatriate my investment proceeds?
It depends on the account and basis used. Investments made on a repatriable basis (typically via NRE) allow principal and gains to be sent abroad; NRO-based investments have annual repatriation limits subject to conditions and paperwork (e.g. Forms 15CA/15CB).
How is IPV done if I'm not in India?
NRIs visiting India can complete KYC, FATCA and IPV with a mutual fund distributor or registrar. If you're abroad, verification can often be done through authorised channels — we'll guide you on the current accepted process.

Let's Begin

Invest in India, from anywhere in the world.

Tell us where you are and what you're planning — we'll map out a compliant, goal-based path for your India investments.

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