NRI Investment Options in India: Mutual Funds, Stocks, Property & More
Complete guide to investment options available for NRIs in India
Top NRI Investment Options
Tax-free, fully repatriable
Equity/debt options available
Rental income + appreciation
High risk, high returns
NRE vs NRO Account
| Feature | NRE | NRO |
|---|---|---|
| Source of Funds | Foreign income | Indian income |
| Tax on Interest | Tax-free | Taxable (30%) |
| Repatriation | Fully repatriable | Limited |
| Joint Holder | Only NRI | NRI or resident |
Tax Implications for NRIs
NRE FD Interest
Completely tax-free
NRO FD Interest
30% TDS (plus cess)
Rental Income
30% tax rate applicable
Capital Gains
Same as residents (LTCG/STCG rates apply)
Best Strategy for Different Goals
NRE Fixed Deposits, Liquid Funds
Balanced Mutual Funds, Debt Funds
Equity Mutual Funds, Real Estate
FEMA Compliance
NRIs must comply with Foreign Exchange Management Act (FEMA) regulations:
- • Cannot invest in agricultural land or plantation property
- • Can buy residential/commercial property (up to 2 properties)
- • Must route all investments through NRE/NRO accounts
- • Repatriation limits apply on certain investments
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