For Indians earning overseas

NRI & Global Investors

Idle cash abroad earns you nothing. Put it to work in dollars — or in India — under a structure that actually fits your life.

The NRI problem

Your money is in the wrong currency for your goals

Most NRIs we meet are holding significant cash in a savings account earning close to nothing, while their real goals — a child’s education abroad, a property, eventual retirement — are priced in dollars, dirhams or pounds.

The instinct is either to leave it idle or to send everything to India and hope the rupee behaves. Neither is a plan. The right answer depends on which currency your future spending is in, and there is now a clean, regulated way to match the two.

  • Dollar goals → USD assets via GIFT City, no rupee-depreciation drag
  • India goals → NRE-routed mutual funds, fully repatriable if plans change
  • Idle Indian income → deployed through the NRO route instead of sitting still
Talk to an NRI Specialist About GIFT City
Three routes

Pick the structure that matches your currency

Most NRI portfolios we build use two of these three together.

USD-denominated

GIFT City (IFSC)

Invest in dollar-denominated funds and global equities from within India, under the IFSCA framework. Your assets grow in the same currency as your offshore liabilities — school fees, property, retirement abroad.

  • USD-denominated, no rupee-depreciation drag
  • Tax-efficient IFSC framework
  • Access to global funds and international equities
  • Fully repatriable
Fully repatriable

NRE Account Route

Invest Indian mutual funds, PMS and AIFs through an NRE account. Both the capital and the gains can be sent back abroad without limit, subject to standard documentation.

  • Principal and returns fully repatriable
  • Access to the full Indian mutual fund universe
  • SIP in INR from foreign earnings
  • No ceiling on repatriation
Income-linked

NRO Account Route

For income that arises in India — rent, dividends, an old salary account. Invest it rather than let it idle, with repatriation up to USD 1 million per financial year.

  • Deploy idle Indian income
  • Repatriable up to USD 1M per year
  • Useful for inherited or rental income
  • TDS handled with proper documentation
What we handle

The paperwork is the reason most people never start

Remote KYC & IPV

Video verification and attestation guidance for your country of residence.

Account setup

NRE/NRO and GIFT City account opening coordinated end to end.

FATCA & DTAA

Declarations prepared correctly, and coordination with your tax adviser.

Repatriation

Getting money back out, with the certificates banks actually ask for.

175+

Countries served by GIFT City

India’s IFSC is open to investors across the globe, including most GCC and ASEAN jurisdictions.

90+

DTAA treaty partners

India has double-taxation treaties with over 90 countries, which usually prevents being taxed twice.

USD 1M

NRO repatriation limit

Per financial year, per person, with the right certification — enough for most Indian-income portfolios.

Talk to us

We’ll call you in your timezone

Tell us where you’re based and roughly what you’re holding. A senior advisor who works with NRI portfolios will call you at a time that isn’t 3am where you are.

  • Currency-matched recommendation, not a product pitch
  • Clear on what is and isn’t available for US and Canada residents
  • Written summary after the call, so you can think it over
We call between 8am and 10pm your local time

Speak to an NRI specialist

Include your country so we can call at a sensible hour.

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NRI questions

The things everyone asks first

Yes. NRIs can invest in Indian mutual funds through either an NRE account (fully repatriable) or an NRO account (repatriable up to USD 1 million per financial year). A handful of AMCs restrict investors resident in the USA and Canada because of FATCA reporting obligations — we will tell you upfront which schemes are open to you based on your country of residence.
GIFT City is India’s International Financial Services Centre, regulated by IFSCA. Funds domiciled there are denominated in US dollars, so your investment is not exposed to rupee depreciation. For an NRI whose future spending is in dollars — international education, property abroad, retirement outside India — that currency match is the whole point.
India has Double Taxation Avoidance Agreements with over 90 countries. In most cases tax paid in one jurisdiction can be credited against liability in the other. The specifics depend entirely on your country of residence and your holding structure, so we work alongside your tax adviser rather than guessing. We are not tax advisers and will say so plainly.
Entirely remotely. In-Person Verification can be done over video call, and documents are attested by the Indian embassy, a notary, or an authorised overseas branch of an Indian bank. Most NRI clients complete onboarding without travelling to India.
A mutual fund SIP can start at ₹5,000 per month. GIFT City funds typically start around USD 30,000. PMS requires ₹50 Lakh and AIFs ₹1 Crore under SEBI rules. We will point you at the level that genuinely fits, not the largest ticket.
Yes. Your residency status changes and your accounts are re-designated — NRE/NRO become resident accounts — but your investments continue. We handle that transition for clients moving back, which is more common than most people expect.

AMFI-registered distributor

Mutual fund products distributed under AMFI registration, with SEBI-regulated manufacturers.

Your data stays private

TLS everywhere, no third-party trackers, no selling or sharing of your personal details.

Transparent on commissions

We tell you plainly how we are paid on anything we recommend, before you commit.

Advice, not order-taking

A named advisor who knows your file — not a call centre reading from a script.

Take the first step

Still not sure which route fits?

Send us a one-line message with your country of residence and what you’re holding. We’ll reply with a straight answer, not a brochure.

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