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Disclaimer: # The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. All plans listed here are of insurance companies’ funds.

NRI Investment Plans in India

NRI Investment Plans in India offer a gateway for Non-Resident Indians to leverage the country’s dynamic economic landscape. These financial products are tailored to help NRIs grow their wealth, generate passive income, and diversify their global investment portfolios. With the Indian government introducing more avenues for overseas Indians to participate in the domestic market, the NRI investment plan 2025 offers an exciting opportunity to explore these options.

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Written By: Lakshit Mahajan

Lakshit Mahajan Business Unit Head - NRI Investment

Mr. Lakshit Mahajan is a Business Unit Head of Savings NRI at Policybazaar with 8 years of experience, having graduated from the International Management Institute, New Delhi. Lakshit has vast knowledge and understanding of insurance with his previous stints with Max Life and HDFC Life. He is adept at managing NRI customers from the GCC, USA, UK, UAE, Australia, Singapore, etc. looking to invest in India, providing invaluable advice to individuals and helping them meet their long term financial goals.

Reviewed By: Vivek Jain

Vivek Jain Head of Savings business

Mr. Vivek Jain is the Business Unit Head for Investment Business at Policybazaar.com. A graduate of the prestigious IIM Calcutta he brings over a decade of invaluable experience to his current role. In his capacity as Business Unit Head, he has been a driving force behind the success of Policybazaar's Investment business. Mr. Jain is recognized for his instrumental role in product innovation within the Savings/Investment domain. His leadership and expertise have been pivotal in scaling up the Investment business, underscoring his significant contributions to Policybazaar.com's growth and success.

The Indian Government is opening more doors for NRIs (Non-Resident Indians) to invest in their home country and is coming up with multiple options so that NRIs can diversify their global portfolio.

In this article, you will understand different NRI investment options that can be considered while planning to Invest in India.

India's Performace vs Other Countries' Performance on CAGR Basis

Indian markets have been the top performing markets over long-term as compared to any other economy
Country	Sep'14	Sep'19	Sep'24	5 Yr Return	10 Yr Return
India (NIFTY)	8,180	11,695	26,277	17.6%	12.4%
India (SENSEX)	27,355	39,441	85,978	16.9%	12.1%
USA (S&P 500)	2,019	3,022	5,767	13.8%	11.1%
Germany (DAX PERFORMANCE)	9,891	12,494	19,492	9.3%	7.0%
UAE (Dubai Financial Market)	5,193	2,952	4,527	8.9%	-1.4%
Canada (TSX Composite Index)	15,685	16,947	24,107	7.3%	4.4%
Bahrain (Bahrain All Share)	1,479	1,551	2,061	5.8%	3.4%
Australia (S&P/ASX200)	5,673	6,776	8,286	4.1%	3.9%
Oman (MSM 30)	7,551	4,035	4,798	3.5%	-4.4%
Emerging Markets (MSCI EM)	1,104	1,029	1,185	2.9%	0.7%
Singapore (STI SGX)	3,357	3,217	3,653	2.6%	0.8%
UK (FTSE 100)	6,905	7,441	8,381	2.4%	2.0%
China (Shanghai Composite)	2,365	3,043	3,386	2.2%	3.7%
Qatar (QSI)	14,351	10,595	10,625	0.1%	-3.0%

Best Investment Options for NRIs in India

Here are some of the best investments for NRI in India:

Unit Linked Insurance Plans
- Best investment for NRI in India that offer both insurance and investment benefits.
- Suitable for moderate to high-risk investors.
- Premiums divided into insurance and investment portions.
- 5-year lock-in period for future savings.
- Partial withdrawals allowed after lock-in period.
- Tax exemptions under Section 80C and 10(10D) of Income Tax Act^.
- Easy fund switching.
- Flexibility to redirect future premiums.
- Guaranteed sum assured in case of untimely death.
- Long-term benefits with high returns.
- These functionalities are available online, allowing NRIs to manage their investments seamlessly from anywhere across the globe.
^Disclaimer: ^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year, and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
Retirement Plans
- Financial strategies to save for post-retirement years.
- Best investment for NRI in India that ensures stable income and meets future financial needs.
- Helps in systematic contributions during working years.
- Growth through interest or market-linked returns.
- Options include pension plans, government schemes (NPS, EPF), and private savings plans.
- Specific plans for NRIs to secure future and participate in India's financial markets.
Child Plans
- The best NRI investment plans in India for children. Secure their future and meet their long-term goals with a plan that combines multiple benefits.
- Triple Benefits of a Child Plan:
  - Life Cover: In case of your untimely death, your child receives a lump sum amount as life cover.
  - Future Premium Waiver: The insurer pays all future premiums, ensuring the policy remains active.
  - Maturity Benefit: At the end of the policy term, your child receives a maturity benefit to support major milestones like education or marriage.
- Additional Advantages:
  - Combines insurance and investment benefits.
  - Insurance provides financial protection.
  - Investment component accumulates funds for your child’s future needs.
  - Monthly payouts to manage immediate financial requirements..
Capital Guarantee Solution Plans
- Secure investment option for NRIs seeking stable returns.
- NRI investment in India that safeguards principal from economic downturns.
- Portion of investment allocated to debt for capital protection.
- Remaining portion is invested in equity market through equity funds.
- Along with financial growth it offers insurance coverage as well, these plans provide a life insurance component, offering financial protection to your family in case of unforeseen events.
- Upon maturity, investors receive total investment amount plus market-linked returns.
Guaranteed Returns Traditional Plans
- These plans are a popular choice for NRIs seeking stability, offering predetermined returns that remain unaffected by market fluctuations.
- Alongside guaranteed returns, these plans provide life insurance coverage, ensuring financial security for your loved ones in case of unforeseen events.
- Ideal for NRIs looking for stable growth and the dual benefits of protection and savings.
National Pension Scheme
- Voluntary, long-term retirement savings initiative.
- Best Investment Plan for NRI in India 2025 that encourages systematic savings for post-retirement security.
- NRIs aged 18-60 can invest in the mandatory Tier-I NPS account.
- Contributions can be made from NRE or NRO accounts. Minimum annual contribution is Rs. 6,000.
- Tax benefits under Section 80CCD(1B), potential for market-linked returns, and a pension after retirement.
Fixed Deposits
- Popular low-risk investment option.
- Offers guaranteed returns at a fixed interest rate.
- Ideal for NRIs seeking stable income.
Gold
- Significant value appreciation in recent years.
- Available in physical, ETF, and digital forms.
- It has offered an average historical annual return of 10%* since 1971.
- Serves as a reliable inflation hedge.
- Culturally and economically relevant investment choice.
*Disclaimer: Past performance is not indicative of future results. Returns may vary based on market conditions.
Real Estate
- NRI investment in India offering long-term returns and growth potential.
- Real estate prices have increased significantly over time.
- NRIs can use NRE, NRO, and FCNR accounts for real estate transactions.
Mutual Funds
- Pool money from multiple investors.
- Professionally managed by fund managers.
- Invest in a diversified portfolio of stocks, bonds, or other securities.
- Offer an opportunity for NRI investment in India.
Equity Investments
- Direct investment in stocks of publicly listed companies.
- Can be made through PIS accounts, mutual funds, or ETFs.
- Higher potential returns but also higher risk due to market volatility.
- Adherence to RBI and FEMA regulations is important.
- Long-term investment horizon recommended for maximum returns.
Stock Market Investments
- Enable NRIs to participate in India's economic growth.
- Provide opportunities to buy and sell shares, ETFs, and other securities.
- Requires a PIS account linked to an NRE or NRO account.
- Offer potential for high returns but also involve market risks.
Initial Public Offerings (IPOs)
- Allow NRIs to invest in newly listed Indian companies.
- Can be made through a PIS account using NRE or NRO funds.
- Offer diversification and potential growth opportunities.
- Require adherence to RBI and FEMA regulations.

NRI Investment Buying Guide

Reasons Why Non-Resident Indians (NRIs) Should Invest

How, Why & When Should NRIs Start Investing?

How to Choose the Best Investment Plans for NRI in India?
- Define short and long-term financial objectives.
- Choose plans matching your risk tolerance.
- Spread investments across various asset classes.
- Consult financial experts.
- Track and adjust your portfolio.
Why Non-Resident Indians (NRIs) Should Invest in India?

Here are some reasons why NRIs should invest in India:
- Benefit from India’s fast-growing economy.
- Enjoy higher returns than global markets.
- To prepare for a stable post-retirement life.
- Favourable exchange rates boost returns.
- NRIs can explore NRI investment options in India for potential growth, with careful consideration of risk and profit.
- NRI investments in India can serve as a financial safety net for families back home.
When Should NRIs Start Investing?
- Start early to benefit from compounding and long-term growth.
- Once financially stable, allocate surplus income for investments.
- Begin investing when clear financial objectives are defined.
- Leverage opportunities during market dips or favourable exchange rates.
- Start as early as possible to build a sufficient retirement corpus.
- Invest when seeking tax-saving opportunities under Indian laws

Documents Required for NRIs to Invest in India 2025

To invest in India as an NRI, you must have the following document:

Be a Non-Resident Indian (NRI): You must meet the definition of an NRI as per the Government of India.
Have a Valid Passport and Visa: You must have a valid passport and visa to establish your NRI status.
Open an NRE or NRO Account: You need to open a Non-Resident External (NRE) or Non-Resident Ordinary (NRO) bank account in India to facilitate your investments.
Obtain a Permanent Account Number (PAN): Mandatory for all investments. If unavailable, submit a Declaration in lieu of a PAN card, stating non-residency for tax purposes (in the prescribed format).

Depending on the specific investment plan, additional documents may be required. Always check with the financial institution or advisor for plan-specific needs.

Wrapping it up!

Investment opportunities are growing every day due to globalisation. Non-resident Indians willing to invest their money in their home country have many more choices these days than in the past. Investing in India comes with a wide range of options, but it is advisable to understand the investment before proceeding.

Frequently Asked Questions

What types of income earned by NRIs are taxable in India?

NRIs are required to pay taxes on any income generated within India. This includes returns on investments, rental income from real estate, and both long-term and short-term capital gains arising from the sale of assets in the country.

How is tax residency determined for an individual?

The responsibility of determining tax residency lies with the individual, who should consult their Chartered Accountant or personal tax advisor. This determination is made by answering specific questions included in the payout form, which will then guide the application of TDS (Tax Deducted at Source). It is essential to establish tax residency to claim benefits under the relevant Double Taxation Avoidance Agreement (DTAA).

What is DTAA, and who can benefit from it?

DTAA, or the Double Taxation Avoidance Agreement, is a treaty between two countries aimed at preventing the same income from being taxed in both nations. India has comprehensive DTAAs with over 90 countries. To claim DTAA benefits, an individual must be a resident of the other country involved in the agreement with India. Additionally, certain documents must be provided to qualify for these benefits, and some DTAAs may impose further conditions for eligibility.

What documents are required to claim DTAA benefits as a non-resident?

To claim DTAA benefits, non-residents must submit:

Mandatory: Tax Residency Certificate (TRC) and Form 10F.
Optional: PAN card, passport, and visa copies (if available).

Without TRC and Form 10F, TDS will be applied as per Indian tax laws. These documents must be provided for each policy proceeds request.

†Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. The sorting is based on past 10 years’ fund performance (Fund Data Source: Value Research). For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
*Past 10 Year annualised returns as on 01-01-2025
*All savings plans are provided by the insurer as per the IRDAI approved insurance plan. Tax benefit is subject to changes in tax laws. Standard T&C Apply
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
#The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 2 Cr. is for a 30 year old healthy individual investing Rs 18,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: 1,06,79,507 @ CAGR 4%; 2,12,15,817 @ CAGR 8%. All plans listed here are of insurance companies’ funds. *Tax benefits and savings are subject to changes in tax laws. All plans listed here are of insurance companies’ funds.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
**Returns are based on past 10 years' fund performance data (Fund Data Source: Value Research).