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

The Basics

Who is an NRI?

Under the Foreign Exchange Management Act (FEMA), 1999, a Non-Resident Indian is a person residing outside India who is either an Indian citizen or a Person of Indian Origin (PIO).

Broadly, residency is determined by how long you stay in India in a financial year and the purpose of that stay. Indian citizens who go abroad for employment, business, or an uncertain duration are treated as non-residents. Getting your residency status right matters — it decides which accounts you use and how you're taxed.

Note: "Non-resident" is a broad category. NRIs, OCI/PIO cardholders and foreign nationals of Indian origin each have slightly different rules — we help you identify exactly where you fit.

NRIAn Indian citizen residing outside India, based on FEMA residency conditions.
PIOA Person of Indian Origin holding a foreign passport, with an Indian lineage link.
OCIOverseas Citizen of India — foreign nationals of Indian origin registered under the OCI scheme.
Residency TestDetermined by days of stay in India and the intent/purpose of that stay in a financial year.

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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