Most NRIs leave India in search of better education, jobs, and a higher standard of living.

But one thing they don’t leave behind is investing in India.

Why?

Because India continues to offer attractive returns, tax benefits, and a growing economy that NRIs want to be a part of.

If you are an NRI living abroad but looking to grow your wealth back home, Ambition Finserve offers several professional NRI investment services in Jodhpur and India to help you.

But before you start, let’s understand:

Who is Considered an NRI?

Before we talk about investments, let’s clear the basics.

According to Indian law, you are considered an NRI (Non-Resident Indian) if:

●    You live outside India for more than 182 days in a financial year.

●    You have gone abroad for employment, education, or business purposes.

●    You hold an Indian passport but have settled overseas.

So, if you fall under any of these categories, you are eligible.

What Asset Classes Can NRIs Invest In?

NRIs can invest in almost all the popular asset classes that resident Indians can.

Here’s what you can include in your portfolio:

1. Mutual Funds

●    NRIs can invest in both equity and debt mutual funds in India.

●    They can use NRE (Non-Resident External) or NRO (Non-Resident Ordinary) bank accounts to invest.

●    Investments can be made through lump sum or they can opt for an SIP investment for NRIs in Udaipur, as per your preference.

2. Equity (Stocks)

●    NRIs can invest directly in Indian stock markets through a Portfolio Investment Scheme (PIS) account.

●    A Demat and trading account with an authorized broker is required.

●    They can buy shares of listed companies, just like resident investors.

3. Fixed Deposits (FDs)

●    NRIs can open NRE or NRO FDs in Indian banks.

●    NRE FDs offer tax-free interest in India, making them very attractive.

●    NRO FDs are taxable but can be useful for managing income earned in India.

4. Real Estate

●    NRIs can buy residential or commercial properties in India.

●    However, they are not allowed to buy agricultural land, farmhouses, or plantations.

●    They can also earn rental income and repatriate it abroad (subject to tax compliance).

5. Bonds and Government Securities

●    NRIs can invest in government bonds, PSU bonds, and corporate bonds.

●    Some bonds are specifically issued for NRIs, offering attractive interest rates.

6. National Pension System (NPS)

●    NRIs between 18-60 years can invest in NPS.

●    It helps in retirement planning and offers tax benefits under Section 80C.

Conclusion

For NRIs, investing in India is more than just growing wealth – it is a way to stay connected with their roots and participate in the country’s growth story.

From mutual funds to real estate, NRIs have a wide range of opportunities.

Yes, the rules are slightly different, but with proper support from professionals, the process becomes simple and hassle-free.