NRI Investment

Investments in India for an NRI holds immense potential. NRI Investment encompasses a plethora of investment vehicles that most of the people are unaware of. There is this huge range of opportunities where NRIs can invest and generate lucrative returns.

Let’s glance through the basic segregation here:

  • NRI Bank Accounts: Open an NRE, NRO or FCNR Bank Account and earn tax-free interest on your deposits (for NRE & FCNR)
  • Investment in various Asset Classes: Most of the asset classes like Mutual Funds, Stocks, Portfolio Management Services, National Pension Scheme, etc. are available for NRIs to invest money in and earn maximum profits
  • Real Estate: Real Estate is another investment tool for NRIs in India with a great return on investment (ROI)
  • Gold Investments: Gold is another investment tool in India. It is an excellent choice given the rate of growth in the prices over the years. You can choose from a variety of options such as physical gold, Gold Exchange Traded Funds (ETFs), Gold Bonds etc.
  • Insurance: Insurance is another investment tool in India, especially for NRIs. Everyone must get insurance as a part of Financial Planning

Financial Planning in India: An Approach

Mrs. Shruti Agarwal (CFA, Co-Founder of CAGRFunds) iterates: There are 3 fundamentals of Financial Planning:

She stresses on the importance of managing these three pillars of financial planning. NRI Investment in India must be targeted at either or all of these approaches. There is a need to have an emergency fund to tackle emergencies which should generally be three times of your salary. A Health Insurance to battle the risks of accidents one might encounter and Investments to multiply funds by generating better returns.

NRI Investment in India: An Outlook

Investments in India by an NRI can be looked upon as a gesture to secure the future and aim at a happy life after retirement. Most NRIs go ahead with investments with a vision to create a corpus. This fund can be for any reason suited to the NRI such as their children’s marriage, education, etc. or maybe to take a world tour.

Investments are also done in kinds, such as real estate, gold etc. Objectives can fluctuate between liquidity or greater returns on investments. The diversification that investments in India provide ranges widely in all major financial sectors. With time, NRIs have gained easy and convenient access to these opportunities and with the help of market experts, tremendous returns can be garnered.

In this category, you will find questions and articles spanning all the way around investments in India for an NRI. With the incessant growth of NRI Investment in India, it is necessary that an NRI knows about every option there is to experiment and extract benefits from.

Write to us at [email protected] for NRI Investment Advisory

Asset Coverage Ratio

Asset Coverage Ratio

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The asset coverage ratio is the numerical representation that calculates the ability of a company to repay its debts by selling or liquidating its tangible assets. The asset coverage ratio helps investors, creditors, regulatory bodies, etc. identify the financial solvency of a company. In other words, it enables investors and lenders to determine the level of risk associated with investing in a company.

Delhi-NCR is the Top Real Estate Investment Region for UAE NRIs

Delhi-NCR is the Top Real Estate Investment Region for UAE NRIs

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Delhi is full of beautiful homes and apartments. There is a tremendous variety in housing and architecture rivaling the best globally. It is also a particularly memorable city. Centuries of history engulf you here. No matter how much time you spend outside India, Delhi always has a special allure. It has a very distinctive culture and is undeniably one of the best spots on earth for variety in cuisine. All of this explains why Delhi-NCR is the top real estate investment region for UAE NRIs. Delhi, Noida, and Gurugram are top-rated locations for these NRIs.

Why NRIs Should Invest in India

Why NRIs Should Invest in India

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The Indian economy is growing exponentially. It is projected that India will be the largest growing economy in the coming years. In light of this NRIs can certainly gain from investment in India. The following are some expert opinions on how and why NRIs should invest in India. This is what Motilal Oswal and The Economic Times have to say on this subject

NRI Investment in Bonds: The Ultimate Guide 2022

NRI Investment in Bonds: The Ultimate Guide 2022

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NRI Investment in Bonds: The Indian Debt Market provides assured returns, bragging to be one of the largest in Asia. Bonds, as a form of debt securities, raise capital through investors rather than going through banking channels. The Indian Debt Market promises low risks and assured returns. There is a fixed return, known as the “coupon rate” or “interest rate” extracted from the bonds traded. In this article, we will explore the aspect of bonds being an important element in an NRI's investment portfolio helping him/her diversify the risks.

CSK Share Price | Grey Market, Pre-IPO – SBNRI

CSK Share Price | Grey Market, Pre-IPO – SBNRI

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CSK’s market cap has crossed a high of Rs. 7,600 crores, more than India Cements' market cap, and its unlisted shares are trading in the INR 210 - 225 price band.

5 Common Mistakes NRIs Make When Investing in India

5 Common Mistakes NRIs Make When Investing in India

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Considering the boom in the Indian market, many NRIs are heavily investing in India to grow their wealth. There are a host of NRI investment options in India. They can invest in stock markets, mutual funds, FDs, gold and a lot more. While some NRIs are getting the full advantage of their investment in India, due to lack of experience and expert advice, others commit mistakes that complicate things later on. Here are 5 common mistakes NRIs make when investing in India.

PINS Account: NRI Stock Trading in India

PINS Account: NRI Stock Trading in India

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PINS or Portfolio Investment (NRI) Scheme is another name for the Portfolio Investment Scheme (PIS) Account. This particular PINS Account for NRI enables them to buy and sell shares and convertible debentures of an Indian firm in a recognized stock exchange. The PINS Account is used to route all the transactions of NRIs in listed securities via a designated bank branch that is responsible for maintaining and reporting NRI Investments to the RBI.

Pravasi Pension Scheme for NRIs & Residents

Pravasi Pension Scheme for NRIs & Residents

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In April 2018, the State Government of Kerala introduced Pravasi Pension Scheme to help lower and middle-income group Keralites living outside the country. The Kerala State Government set up Pravasi Welfare Fund, the first of its kind in the country, to provide Pravasi Pension Scheme to Non-Resident Keralites (NRKs abroad) and NRKs (in India). Let’s look at the various aspects of this pension scheme.