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Non Resident Indians & Overseas Indians - Special Section


Other facilities available to Non-Resident Indians (NRIs) with follwing details are available in NRIs Handbook for Banking & Investments..

Other facilities available to NRIs are Loans from authorized dealers, relatives etc, import of gold / silver, facilities for insurance, education, visa rules etc. Further facilities given to NRIs/POIs for granting loans to residents and resident companies.

Authorised Dealers (ADs) Rupee Loans to NRIs
Loans by Indian Companies to NRI Staff
Loans by Housing Finance Institutions
Payment of Interest on Delayed Refunds
Loans Abroad against Securities Provided in India
Loans in India against Guarantees by Non Residents
Payment to Non Resident Directors
Remittance of Current Income by NRIs
Import of Gold/Silver
Incorporation of a Company & more...

Detailed information on all Investment Options for NRIs, PIOs, OCIs, OCBs are available in 6th Edition of NRIs Handbook for Banking & Investments . This report also provides updated information of all the services available to the NRIs / PIOs/ OCBs as well as Foreign Investors. It does not just give information on accounts or investment; it gives much more than that. All editions of Handbook had received great response & subscribed by NRIs, bankers, consultants across the globe from nearly 40 countries. This handbook is edited by Senior Bankers, including those who have worked in the Reserve Bank of India & Treasury of Banks.


  1. Non Resident (External) Rupee Accounts Scheme - NRE Accounts
  2. Foreign Currency (Non Resident) Account (Banks) Scheme – FCNR (B) Accounts
  3. Non Resident Ordinary Rupee (NRO) Account Scheme - NRO Accounts
  4. Non Resident (Non Repatriable) Rupee Deposit Scheme - NRNR Accounts
  5. Non Resident (Special) Rupee Account - NRSR Account


1) Foreign Direct Investment

  • Automatic Route
  • Foreign Technical Collaboration
  • Special Facilities available for Investment by NRIs

2) Investment On Non-Repatriation Basis

3) Purchase And Sale Of Securities Other Than Shares Or Convertible Debentures Of An Indian Company By NRIs And OCBs Portfolio Investments Remittance/Credit of Sale/Maturity proceeds of Shares and/or Debentures Other Facilities


  • Investment in shares in India through a stock exchange
  • Investment in other securities
  • Portfolio Investment Scheme (PIS)


  • Acquisition Of Immovable Property In India
  • Acquisition and Transfer of Property in India by an Indian Citizen resident outside India
  • Acquisition and Transfer of Property in India by a Person of Indian Origin
  • Acquisition of Immovable Property for carrying on a Permitted Activity Remittances out of Inherited Assets
  • Lifting of lock-in period for repatriation of sale proceeds of immovable property situated in India
  • Housing loan in rupees to NRIs/PIOs
  • Housing loan in rupees to a non-resident
  • Continuance of rupee loan/Overdraft to resident who becomes a person resident outside India
  • Continuance of rupee loan in the event of change in the residential status of the lender
  • Loans for repair / renovation / improvement of residential accommodation owned by them in India


Basis of Tax Liability in India

(1) Resident
(2) Resident But not Ordinarily Resident
(3) Non Resident

Special NRI quota is also provided for various land sales by Government. Special Grants and services are also provided to the NRI population to lure more and more foreign investment. All the leading banks and financial institutions have separate NRI dealing services that cover NRE, NRO bank accounts, housing loans and other home loan related products. You can also refer to the various bank websites to find out further details about the NRI investment procedures and the help available.

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