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Investments in India for NRIs – N.D. Savla & Associates

For Non-Resident Indians (NRIs), India continues to be one of the most attractive investment destinations, offering opportunities in real estate, mutual funds, equities, startups, and deposits. However, every NRI investment must comply with FEMA regulations, RBI guidelines, and Indian tax laws. At N.D. Savla & Associates, we provide complete NRI investment advisory in India, ensuring that your investments are structured legally, tax-efficiently, and aligned with long-term financial goals.

Overview

NRIs can invest in a variety of avenues in India, but the rules differ depending on whether the funds are routed through NRE, NRO, or FCNR accounts. While opportunities are wide-ranging, compliance with FEMA, RBI reporting, and taxation provisions is essential. Our role is to guide you through the process end-to-end.

Features

  • Advisory on NRI property purchase in India (residential or commercial)

  • Guidance for mutual fund investments and stock market participation

  • Support for NRI deposits (NRE, NRO, and FCNR)

  • Structuring startup and private equity investments under FEMA rules

  • Tax planning on investment income (capital gains, dividends, interest)

  • Assistance with RBI approvals and reporting for eligible investments

Documents Required

  • Passport & Visa copies

  • PAN card

  • NRE/NRO/FCNR bank account details

  • KYC documents (address & ID proof)

  • Property purchase/sale agreements (if real estate)

  • Investment agreements / share certificates (if equity or startup)

  • FEMA declaration forms (if applicable)

Procedure

  • Investor Profiling – Assess goals, risk appetite, and residency status.

  • Eligibility Check – Verify permissible investment categories under FEMA.

  • Account Setup – Open/activate NRE, NRO, or FCNR account for transactions.

  • KYC & Documentation – Complete necessary banking and regulatory KYC.

  • Execution – Carry out property registration, mutual fund subscription, or equity investment.

  • Compliance Filing – Submit FEMA declarations and RBI filings (where applicable).

  • Ongoing Monitoring – Track returns, taxation, and repatriation eligibility.

Why This Matters

While India offers high-return opportunities, NRI investments in India without proper compliance may attract penalties or limit repatriation of funds. With N.D. Savla & Associates, you receive trusted guidance on every step of the process — from choosing the right investment to ensuring FEMA and tax compliance.