What this actually involves
Many non-resident Indians want to keep a share of their savings in India — for family here, for a property later, or for an eventual return. The investment itself is straightforward; it is the account structure, tax residency declarations and repatriation rules that cause most of the confusion.
We help NRIs invest in Indian mutual fund schemes through NRE or NRO accounts, complete the KYC and FATCA declarations that fund houses require, and understand upfront which route allows the money to be sent back abroad and which does not.
Whether you are in the Gulf, East Africa, the UK, the US or Canada, the paperwork can be completed remotely. A few schemes and fund houses do restrict investors resident in the US and Canada, and we will tell you which before you begin rather than after.
What this includes
- NRE and NRO routes explained, including repatriation implications
- NRI KYC, FATCA and CRS declarations with the fund houses
- Scheme availability check for US and Canada resident investors
- SIP setup from an NRE or NRO account
- TDS position on redemption explained before you invest
- Coordination with a family member or mandate holder in India where needed
Who it suits
- NRIs who want to keep part of their savings invested in India
- Those supporting parents or family in Surat and looking to invest locally
- NRIs holding rental or interest income in an NRO account
- Returning NRIs who need to reorganise holdings before moving back
The four steps
Confirm status
Residential status under FEMA decides which account and which route apply.
Open the route
Investment is made from an NRE account for repatriable holdings, or an NRO account otherwise.
Complete declarations
NRI KYC, FATCA and CRS forms submitted to the fund houses.
Invest and track
Transactions and statements handled remotely, with someone reachable in Indian hours.
Frequently asked
You may also need
Ready to take the next step?
Talk to us about your goals and we will walk you through the options in plain language — no pressure, no jargon.