🌍 NRI Investing
Can NRIs Invest in India? Direct Answer
Yes — here's exactly what's allowed, what's restricted, and the account structure required.
Direct answer: Yes. NRIs can invest in mutual funds, direct equity, PMS, AIF, fixed deposits, and residential/commercial real estate. They cannot buy agricultural land, plantation property, or farmhouses. Everything routes through an NRE or NRO account.
What's Allowed
- Mutual funds — no restrictions beyond standard KYC
- Direct equity — via PIS-linked demat account
- PMS (Rs 50L minimum) and AIF (Rs 1Cr minimum)
- Fixed deposits — NRE, NRO, or FCNR
- Residential and commercial real estate
- PPF — only if the account was opened before becoming NRI; new accounts not permitted
What's Not Allowed
- Agricultural land
- Plantation property
- Farmhouses
- (Inheritance of the above is permitted — purchase is not)
The Account Structure Required
| Account | Funds from | Repatriation |
|---|---|---|
| NRE | Foreign-earned income | Fully repatriable |
| NRO | India-sourced income (rent, dividends) | Capped, currently USD 1 million/year |
Full Detail
For the complete process by investment type, see our step-by-step US-to-India investing guide and full category-by-category NRI investment guide.
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⚠️ Disclaimer: Ashvamedha Finance's SEBI Research Analyst registration is currently in application. This content is educational and general in nature, not personalised investment, tax, or legal advice, and not a recommendation to buy, sell, or hold any security. Figures and rankings cited are sourced from public data as of the date noted and may change. Consult a SEBI-registered investment adviser or a qualified CA for advice specific to your situation before making any financial decision.