EquitiesIndia.com
Intermediate6 steps · ~3 hours

The NRI Investor

Invest in India from anywhere in the world — compliantly.

Non-resident Indians who want to invest in Indian equities and mutual funds while navigating FEMA rules, NRI banking accounts, and cross-border tax obligations.

  1. 1

    Understand which bank accounts NRIs need — NRE for repatriable rupee savings, NRO for Indian income, FCNR for foreign currency deposits — and how to open them.

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  2. 2

    Learn the FEMA rules on moving money out of India — LRS limits, permissible remittances, Form 15CA/CB requirements, and what cannot be repatriated.

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  3. 3

    Navigate India's tax treaties with 90+ countries — how to claim treaty benefits on dividends, capital gains, and interest income to avoid paying tax twice.

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  4. 4

    Complete tax treatment for NRI equity and mutual fund investments — TDS rates, LTCG/STCG rules, and how to file your ITR as a non-resident.

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  5. 5

    Long-term capital gains rules as they apply to NRI portfolios — the 12-month holding threshold, TDS deduction by the broker, and the refund process for excess TDS.

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  6. 6

    Know the default 20% TDS rate on dividends paid to NRIs, how DTAA can reduce this, and when to submit a Form 15G/15H equivalent to minimise withholding.

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