November 24, by parsha 92 Comments. More and more Indians living abroad are turning homeward to park their surplus money. An NRI is spoilt for choices when it comes to NRI investment options in India , both in the long-term and the short-term sections. An NRI can invest in India through two different routes: Also, an NRI investment opportunity will specify whether it can be repatriated or not.

Repatriation refers to a condition when the amount can be transferred to the source. Some of the investment options are government securities, treasury bills, mutual funds, bonds issued by PSU, certificate of deposits, perpetual bonds, stocks, ETF, money market mutual funds, real estate property, company deposits and more. But for money to be parked for short term or long-term investments, an NRI needs to have any one of three following types of banks accounts:.

Difference between NRE and NRO account. Apart from opening a fixed deposit FCNR or NRE accounts, here are some investment opportunities that an NRI can consider for short term and long term growth. An NPS account can only be opened by individuals, and not jointly. After the initial form is submitted, a Permanent Retirement Account Number PRAN is allotted.

Thereafter, the transaction may be made online. Investments in NPS can only be done by a Citizen of India living in India or an NRI who holds an Indian citizenship. If at any point, an NRI gives up his citizenship, the account is closed. The minimum contribution being Rs in Tier-1 accounts , NPS offers many opportunities for flexible investment options with a range of funds to choose from.

However, it is mandatory to invest 40 percent of the investment in annuity scheme on a regular retirement. Investors have the right to choose the type of investment they make, be it government securities, equity related or other fixed income options.

These contribution are eligible for a tax deduction of up to Rs 1,50,, along with the contributions to other schemes. An additional deduction of Rs 50, is specifically allowed for the contributions towards NPS under section 80CCD 1B. Also, any lump sum amount or annual receipts withdraw from an NPS are treated as taxable income.

The image below shows the latest data available on the rate of return on NPS schemes of various banks:.

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Also, the interest on NRE fixed deposits and FCNR accounts is tax free in India. The rate of return on FCNR accounts differs according to the currency you deposit. You can also open an NRO FD account, but the interest earned cannot be repatriated and taxable at source.

The interest rate for an FCNR account depends on the currency. Becoming an NRI — 9 Things to do before becoming NRI. It has a maturity of not less than 7 days and not more than 1 year. CDs are much like time deposits, except they tend to be more liquid.

NRIs can also subscribe to CDs but only on a repatriable basis. The rate on return is generally higher than for bank fixed deposits and this sis common NRI investment option used by many of my friends. But I prefer fixed deposits and PPF instead. Such bonds can be issued by a company or government institutions seeking long-term investments.

Perpetual bonds are also issued by banks under Tier-1 capital. In March , banks offered coupon rates between 9. Introduction to Bonds, coupons and types of bonds. Debt funds basically invest in fixed income securities, which include government securities, treasury bills, corporate bonds, money market instruments and more.

The one major advantage with debt mutual funds is that it is managed by experienced fund managers. Also, these are fairly liquid. You can withdraw money as and when you want and you will receive the same in your bank account in about business days. These funds provide safety of capital. While returns are low, given the safety of capital, they are preferred over equity mutual funds in the short term.

For mid-term, investing in hybrid funds is advisable, which includes both debt and equity investments. Best performing ELSS funds for tax saving.

Tax on investments by NRIs is taxed much like it is for Indian residents. Tax is deducted at Source TDS for NRIs. TDS is deducted at a flat rate, irrespective of income. Also, tax on capital gains will be deducted at the time of maturity. As you can see, there are lot of NRI investment options for long term and short term. Considering interest rates are near zero in most developed countries ,you must consider safe options back in India.

I'm Parani Dharan and my passion includes investing, finance, Gaming. May 24, at 1: My primary intention is to invest only, but after retirement life, i wana live in foreigh with family.

May 29, at 6: This will ensure you have sufficient liquidity in case of an emergency , long term equity and debt mutual funds or balanced funds and long term assured savings insurance plans.

This mix will ensure that you have exposure to certain fixed yield generating instruments as well as high yield equity instruments. May 23, at 6: Request only NRIs to share their details. April 24, at 9: I am in Indian citizen residing in Dubai. Appreciate if you can suggest any investment plan which will fetch me a monthly income of INR after retirement. April 25, at 5: We understand that you were looking out for some good investment opportunities in India that can give you assured returns..

Do let us know if you are still looking out for good opportunities.

April 3, at 9: We are starting a broadcast list on WhatsApp for different long term savings and investment plans along with insurance products. Name — Age — Location — Profile — Are you planning to invest in these instruments — Proposed quantum of investments —.

January 9, at 4: Hi , you have very good knowledge in terms of financial investment for NRI. I am planning to invest on long term basis. Kindly add up email and keep me update on best investment opportunities. March 25, at 6: January 9, at I am working in Qatar. I would like to know the tax rules if a business associate transfers amount For. December 27, at 7: I am an NRI and have invested in fixed deposits at SBI and Axis. With interest rates declining, could you please suggest other investment options and also the name of the schemes..

December 4, at 9: I am in Usa from last 3 years but not having nri account. I sent monthly forex to my parents as family maintenance. I visited to india many times for a short visit and tried to open a nri account but because of our Indian bank lack of service And asking for so many documents which is lengthy process I was.

It able to open a account so far? Can you please advise on opening nri account? Also I have continuous investment as sip in india so please advise. December 12, at 4: Opening NRI Account in USA is very easy.

December 2, at 5: Being an NRI, I would like to get all updates regarding investments like the ones you are responding to. Kindly add my email address to your database as it will be helpful for me to plan my finances accordingly. November 29, at 3: November 29, at 5: No this is not the right time to put in bank deposit as interest rate has gone down. December 17, at 3: January 11, at 3: If you return back, I suggest you must sek help of a good Financial Advisory firm or trusted FA individual.

Please do solicit brands sellers and brokers, but do take advise from neutral brokers better who will charge for service but offer better options. If you are continuing as an NRI and would maintain your status, then FD is good bet as no Tax for safe investment,. But if you want these saving to take care of your rest of journey in india, then prudent planning is must and all option like appropriate percentage of investment in shares, FD, Bonds, Mutual Funds, Liquid Mutual funds, property commercial others must be evaluated.

Also, acting as a Angel investor for new business concept as investor is also a good bet. January 12, at November 21, at 2: November 27, at 2: November 13, at 8: October 29, at I wish to have your advise on getting a survival monthly income of Rs. September 27, at 3: Hi, I returned to India some months ago after being in US for 20 plus years.

I also hold a US Passport. I would like to know some good financial planner who can advise me how to invest. I have a couple of bank officers who are keen i should invest in the schemes that they think are good but i have a feeling they may be biased. Any advise from you is greatly welcome. November 24, at 3: September 26, at 6: Hi, I need your advise on investment option considering my situation as below.

Outstanding loan of 54 Lacs for a period of 23yrs property 2. NRI since 3yrs 3. New born child 4. Also is it necessary to file ITR, as I do not have any income in India since 3yrs, not even through property for now. Not much investment data to advise on. No need to file ITR since no income in India but ideal to file one. Like Most NRIs you must be earning interest on savings account or have fixed deposits. September 11, at I am an Indian working in Qatar. I have my deposits in India from the my previous employer in INR thru fund transfers from gulf.

I recently moved to Kuwait in just 3 months from my previous employer I have a considerable amount of funds Rs. Which i earned in Qatar. My question , I want to know how safe are my funds deposited in DB India?

I fixed my hard earned money for 5 years on a quarterly interest payout. I am aware of the on going Deutsche bank crisis and would like to seek your advise on investing more funds.

September 21, at 5: Split your deposits in to parts and keep in different best performing public sector banks in India. September 21, at 7: Thanks for your advise. But i would like to know how safe are the funds which i have already deposited in DB India? If such a thing happen, will there be an involvement of other banks and will merger and acquisition happen? September 28, at 3: Only 1 Lakh per account would be assured by Indian Govt if bank fails or get bankrupt or merge with other bank.

August 17, at 1: I am looking for investment in india for long term. I am nri and holding OCI overseas citizen of India status.

September 5, at 3: August 16, at Hi, very informative article. I am 28 years old and I am searching for good investment options. I just came to know about peer to peer lending as an emerging platform in India and wanted your views on that. July 22, at 1: I have my deposits in India from the my previous employer in INR and have shifted abroad 1 yr back. If I want to invest only that money in Gold bonds or equity, shall I still be still ruled by NRI rules.

I have not transferred any of my earning in forex to India. Logically , I should be allowed to invest my previous earnings in India freely. You can invest that amount in India, but ensure that you must update your KYC status as NRI. Better invest in diversified multi cap mutual funds in 6 to 10 years view. Return s are tax free after 1 year. July 21, at 4: Your article is very informative. I am a NRI who recently relocated to India.

I am yet to convert my accounts to Resident status. I wanted some advice on the possible investments I should do to get tax benefits before I change my accounts to Resident status. What happens to my NRE FDs that are maturing at different periods of time in future. July 21, at 8: Hi Vijay, I have the same question. NRE deposits maturities can be routed to RFC account and from then the interest earned could be taxable. July 3, at I am Sunny from Australia, I have NRI accounts with 3 banks and invested around 1 crore in FDs from last 3 years.

However at the moment Interest rates are going down, could you please suggest me if any alternate best options for me. Recently I got baby who is 7 months old at the moment. July 2, at 9: Hello Parsha , I am an NRI planning to settle back home by I have my savings invested in real estate and the rest was in NRE FDs.

The FD rates are declining constantly and for sure will not be a wise investment for returns as well as to fight the inflation. Basically the savings need to be grown at a pace which can fight the inflation and should also give a decent return for the day to day while back home with no income. Thinking of mutual funds instead of FD and re investing a portion after the expenses to move on once retired and settled back.

Any advises would be highly appreciated. Many thanks in advance. June 29, at 3: Very good post and appreciate your knowledge sharing. I seek your suggestion for my query, please share your expertise thoughts My Query: Best way of investing lump sum money which can yield good interest for long term.

Even if tax is payed and final output might be with good interest, then also please suggest. July 1, at 5: Should be decent returns in 5 years. Note that some other may return better than balanced funds but I guggest you stick to balanced funds. You can check below for best balanced funds.

June 25, at 3: Like to do monthly interest basis investment in India with no hassles and tax free. I am Australian Citizen but having a OCI as well. July 17, at 9: If you want a fixed monthly income, then go for systematic withdrawal plan after 1 year. June 22, at 8: Hi Parsha, I have a couple of questions: I have opened 6 FDs Senior Citizen under my parents name in India with ICICI bank and the interest is paid quarterly to my parents account.

If interest is really good but taxable and I need to file for IT returns, please let me know as well. The trend is down for next 3 years hopefully. Better to continue ir shift to MIP.

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Both returns and principal willl be tax free. Yes better to file ITR in year of redemption. June 16, at 6: I am an indian citizen residing in middle east, due to the uncertainty want to plan investments upto 5 yr period. June 11, at 4: I am a Hong kong citizen At the same time, I am holder of OCI OVERSEAS CITIZEN OF INDIA.

What are the best options to Invest in India. Investment period 1 to 5 years. June 8, at 5: Hi Parsha, I am Australian citizen but Indian by origin. I need some advice regarding investment options in India for upto 1. Is there any better way to contact you? June 5, at 6: Would I then be needed to file IT returns. Everywhere I have read says this income in supposedly TAX FREE. But in some articles the rider is put that such income should be below for an NRI in a year.

May 24, at 6: I am a NRI in Middle East.

Last year I hv invested 3L in a smart pension scheme of Axis max life for a tenor of 10 years with yearly premium of 3L. What is ur opinion on this? I am aged 50 now. Currently I am planing to discontinue the same and withdraw the invested funds. I invested this due to a pressure from one of my relative who was working with Max life that time. Now he is no more with them and went to US for better life.

Should I continue or take back? How far it feasible? June 1, at 2: Please tell name of Exact plan. Better to woithdraw if not satisfied. You should not have invested in first place due to pressure from relative. If possible close this plan.

Based on the past returns you can expect 55 to 80 lakh tax free returns after 10 years. May 19, at 7: Kindly provide suitable guidance. Short term liquidity is not possible without capital loss if present. May 11, at 7: May 18, at 6: I do remember sending you a reply. Dear Parsha, Am working in the middle east. A middle class family. I requested you to advice me for the best investment schemes in India for the future.

I mean due to the lack of job security here in the middle east I have to plan accordingly. April 29, at 6: Presently staying in middle east since last 2 years. I have NRE account. I wish to invest the amount accumulated in my NRE account. With present situation of market and my job is not secure, could you please advice me for investing the money for very short time maximum span of 3 months.

As it goes further, I can plan further investment with this small interval due to uncertainty of job. So that in unfortunate event of job loss, I can liquidate the money immediately. May 1, at April 19, at 6: Basically, I am a foreign citizen but willing to save and invest in India due to Indian origin. Could you please suggest me the saving schemes for retirement and other investment options available in India for me.

April 5, at 3: What is the highest interest rate and which bank is offering. I want the interest to be tax free and paid quarterly into my account. April 23, at 7: October 22, at We have a proposal for investment in a mechanical engineering company as a silent partner.

However, you can visit office or site for work progress in periodical basis and we will send you the daily or weekly accounts reports. I am looking for people especially from Kerala NRI. Currently our parent company have 10 CR Engineering project in hand. Return on every project will be subjected on project execution. Scammers please dont waste the time. March 31, at 6: I have a investment property back in india, I want to sell it and take the funds to Australia.

How much is the tax? April 2, at 7: Repatriation can be done if you have NRE account and subject to USD 1 million limit. Note that, Property should not be inherited from person residing abroad. March 26, at Just to clarify, It is not tax free deposit. It is tax saving deposit under 80C. No NRI not eligible under 80C for tax saving FD.

March 4, at Helped me a lot in planning my investment. I have a question. Could please give further info? February 9, at 4: February 9, at 6: The post then served its purpose if it helped you Amit. January 13, at 7: January 19, at 4: Your email address will not be published. Yes, add me to your mailing list. Notify me of follow-up comments by email.

Notify me of new posts by email. LIKE US ON FACEBOOK.. NEVER MISS A NEW POST.. Enter your email address:. About Contact Us Privacy Policy Disclaimer. Smart Money Goal YOUR GUIDE TO BETTER MONEY DECISIONS. Share this on WhatsApp. Comments jay says May 24, at 1: The exact mix of investment can be determined basis your specific need.

Hello Maya, We understand that you were looking out for some good investment opportunities in India that can give you assured returns.. Hi Maya, We understand that you were looking out for some good investment opportunities in India. Dear All, We are starting a broadcast list on WhatsApp for different long term savings and investment plans along with insurance products. Hello Dev, I understand that you were looking out for some good investment opportunities in India.

Dear Sir, I am working in Qatar.

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Are such type of transfers legally accepted into india? Dutta, I understand that you were looking out for some good investment opportunities in India. Also they follow up on phone and guide you filling the forms. Please visit their website NRI section and provide your cell number and they will call you back.

I work with ICICI and can help you with it. If you are continuing as an NRI and would maintain your status, then FD is good bet as no Tax for safe investment, But if you want these saving to take care of your rest of journey in india, then prudent planning is must and all option like appropriate percentage of investment in shares, FD, Bonds, Mutual Funds, Liquid Mutual funds, property commercial others must be evaluated. CAN YOU NAME SOME TRUSTFULL Financial Advisory firm or trusted FA individual in india.

Are US based NRIs allowed to invest in MF in India? Hi Anoop Yes, but governed by FATCA regulations. Only some mutual funds allow direct investments. Could you guide me the list of FUNDs to be chosen? Hi Murugesan Franklin Balanced, Reliance Tax Saver and HDFC Balanced funds are good to start with. Hi Krishna Not much investment data to advise on.

Make sure to route your money only through NRE accounts.

HDFC Mutual Fund > Systematic Investment Options

Parsha, I am an Indian working in Qatar. Dear Sir, Thanks for your advise. Hereafter i will certainly initiate fixed deposits across public sector banks in India. Look forward to hearing from you soon, Best regards, Venkat. Better to reply on some good Public bank like sbi et and major private bank like ICICI etc.

Parani, I am looking for investment in india for long term. I am planning to invest 25 lakh rupees in lump sum for next 5 years. Please suggest best options. You can invest in Balance mutual funds. Hi Amit Risky platform as of now. No personal investments in that area. Hi Sachit No, your status is changed to NRI.

So NRI rules apply. Dear Parsha, Your article is very informative. Hoping to hear from you soon. Hi Parsha, I am Sunny from Australia, I have NRI accounts with 3 banks and invested around 1 crore in FDs from last 3 years.

You can look at balance funds or corporate bond funds based on your risk profile. Hi Parsha, Very good post and appreciate your knowledge sharing.

Once again thanks for your valuable time. You can check below for best balanced funds http: Hi Parsha, Like to do monthly interest basis investment in India with no hassles and tax free. Hi Rohan 1 INterest rate fluctuation cant be predicted. Can i have your personal email id to discuss further. Parsha, I am a Hong kong citizen At the same time, I am holder of OCI OVERSEAS CITIZEN OF INDIA.

Await your reply by email. HI Hitesh Better to contact a financial advisor for your need. Liquid funds must suit for 1. Hi Michael Any FD interest from your NRE account is tax free whatever is amount of interest. Pasha I am a NRI in Middle East. Hi Joseph Please tell name of Exact plan. Parsha I posted my email below and could you please contact through email for some advice.

Hi Prakash I do remember sending you a reply. My email address is there for your valuable advice. Thanking you in advance Regards. Please advice on this. Hi Parsha, Thanks for the information article. It provided the basic information. Hi Monty Try PNB or BOB NRE Fixed Deposits. Dear Sir, We have a proposal for investment in a mechanical engineering company as a silent partner.

Hi Sunil Repatriation can be done if you have NRE account and subject to USD 1 million limit. I want to know whether the tax free fixed deposit for 5 years under 80cc is eligible for NRI,s. Hi Anjli Just to clarify, It is not tax free deposit. Hi hari Please check below http: Thanks Parsha, Its very useful information.. Leave a Reply Cancel reply Your email address will not be published. Enter your email address: New Posts Delivered by FeedBurner.

Send to Email Address Your Name Your Email Address document. Sorry, your blog cannot share posts by email. No TDS on long-term gains long term: