Looking for the best investment options for NRI in India? Then GEPL Capital is the one for you. We put NRIs as a priority. We offer various NRI investment opportunities in India for NRIs. NRI investment is all about finding an opportunity and investing it in India.
An ideal plan of investment for NRIs enables complete financial securities and huge returns. Secondary market equity shares, public new issues or shares, mutual funds via inward remittance or via CNR/NRE/NRO accounts, bank deposits and NRO domestic funds, relationship concerns, and bonds, as well as immovable property, are all good choices for NRIs.GEPL Capital enables an easy investment process for NRIs.
India has turned into a magnificent investment destination for Non-Resident Indians and persons of Indian descent.
India is a growing economy and with the change in regulations, NRI’s are permitted to invest in instruments such as equities and mutual funds. We at GEPL CAPITAL, a financial services firm in the business for over a decade offer investment advisory and options catered to NRIs. We are growing to be a one-stop investment avenue offering investment products and services from Equities, Mutual Funds, Insurance, Commodities, Bonds, and Currency trading.
In this one, we will show you how an NRI can invest in India. And, what are the investment options for NRI in India? So, NEI investment options depend on an NRI’s investment goals, risk appetite, and expectations of returns. The ideal is to create a portfolio of different asset classes that complement each other and reach your goals. Here are some of the best investment options for NRIs. Let’s take a closer look at each one of them to understand their unique benefits.
Fixed Deposits, also called FDs, are traditional products popular amongst NRIs. If you are looking for a relatively risk-free investment option giving average returns, FDs make for great NRI investment options. We normally suggest only AAA's highest-rated corporate FD. You can start investing in FDs through NRO accounts. The rate of interest depends on the corporate, deposit amount, and tenure of the deposit.
Returns in the stock market have historically been far higher than debt products. Good equity portfolios make for great investment plans for NRIs. Any NRI who has a Portfolio Investment Scheme (PIS account), an NRE/NRO account, a Demat account, and a trading account can invest in the Indian stock market.
Note: Equity markets can be volatile and you should do your due diligence before you invest.
YES! As an NRI, you can invest directly in mutual fund schemes. Mutual Funds (MFs) can be an important part of investment plans for NRIs. Mutual Funds offer a wide range of investment options, from debt, equity as well as a hybrid segment. You have to carefully choose schemes that can deliver good returns.
To invest, you need an NRE or NRO account as you can only invest in Indian rupees. The returns depend on the type of fund you have invested in, like debt, equity or hybrid. You are liable to pay capital gains on the returns you earn from mutual funds which are normally deducted as TDS.
Government Securities or G-Sec are a low-risk investment option backed by the government of India. They are issued in the form of treasury bills (T-bills) which have maturity from 7 days to a maximum of 364 days and bonds, whose maturity ranges from a year onwards. These bonds may have fixed interest rates that are determined based on market-related changes. Since these are backed by the government of India, there is no risk of default if you hold it to maturity. However, it carries market risk, and prices change as per supply demand.
It is always said that where the heart is there should invest, and that’s probably why many NRIs choose to invest a part of their income in India.
Our company is headquartered in Mumbai and we have over 26 owned branches and 150+ partners across India. Our strategic tie-up with BANK OF INDIA to offer online trading to their customers has further increased our reach.
We realize that being an NRI your requirements are distinctive, that we at GEPL Capital offer you a bouquet of products and services to suit your needs.
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India is a booming economy with a vast array of investment opportunities for growth. We at GEPL Capital, carefully select and identify the investment avenues with maximum returns for Indian investors across the globe. For Indians residing in various countries across, GEPL Capital offers numerous financial instruments to grow your money securely. Some of the investment opportunities available to NRIs include:
For an NRI to start investing in financial instruments in India, he/she will first need to open the following accounts.
GEPL makes this step extremely easy by offering these services seamlessly at our branch office. To open these accounts, simply visit the nearest GEPL contact point and take the forms. Fill them with all the relevant details and submit them with the required documents. The accounts will be operational within 7 days if the forms and documents being approved.
Required documents include:
Yes. The provisions of DTAA override the general provisions of the tax law of a country. If there is a DTAA between India and the country in which NRI resides, the NRI has an option of choosing to be taxed either by the provisions of DTAA or the provisions of the Indian Income Tax Act, whichever is more beneficial. As regards procedure, each designated bank branch has its own process and documentation to be followed for availing benefit under DTAA of respective countries. These documents are for a specific period only and have to be executed every financial year with the designated bank to continue enjoying benefits.
DTAA is a bilateral agreement between Governments of two different countries for avoidance of double taxation and for prevention of fiscal evasion. Double taxation occurs when taxing jurisdiction overlap and a transaction, asset or income is subject to taxation in both jurisdictions. The purpose of DTAA is to avoid such double taxation to the extent agreed upon. In effect, the respective jurisdiction is so identified that a particular income is taxed in one country only or, in case it is taxed in both the countries, suitable relief is provided in one country to mitigate the hardship caused by taxation in another jurisdiction.
Yes. A certificate in prescribed format, mentioning details of the transaction and the tax deducted, will be issued by designated bank branch or fund house, as the case may be. As per current law, this certificate is issued on quarterly basis.
Yes. The tax on capital gains at applicable rates is deducted at source (withholding tax). The tax is calculated on the amount of gain (sell price - buy price). There will be no TDS in case of loss. In the case of Shares, the tax will be deducted by designated bank branch where PIS account is held. In the case of Mutual Fund, the tax will be deducted by the respective fund house.
The dividend income is exempt in the hands of the investor. However, respective Company or Fund House is charged with dividend distribution tax. The rates of taxation are as follows (Note 3): Asset Class Tax on Dividend Income(Payable by Investor) Dividend Distribution Tax(Payable by Company / Fund House) Equity Shares Nil 15% Mutual Funds Equity Nil Nil
Yes. The tax, at applicable rates, is deducted at source by fund house prior to crediting sale proceeds in the bank account.
If the investment is made on repatriation basis, the redemption proceeds along with dividend income can be repatriated outside India. If the investment is made on non-repatriation basis, the redemption proceeds cannot be repatriated outside India. However, dividend income qualifies for full repatriation.
Yes. Nomination is allowed. An NRI can nominate either a Resident Indian or an NRI for his investments. Nomination can also be changed after investments are made by an application in prescribed format to the AMC.
The following table summarises the applicable tax rates (Note 1): The following table summarises the applicable tax rates (Note 1):
Yes. As per the current Indian Income Tax Law, tax is payable on gains arising from sale of shares/units of mutual fund. Depending on the tenure of investment in shares, these gains are classified into: Short Term: If the holding period is 1 year or less, the resultant gain from sale of shares/units is termed as Short Term Capital Gains. Long Term: If the holding period is more than 1 year, the resultant gain from sale of shares/units is termed as Long Term Capital Gains.