Investment Options for NRIs/OCIs in India

In India, non-resident Indians can take advantage of the country's dynamic economy through NRI investment options. These plans are designed to help NRIs grow their wealth, earn passive income, and diversify their international investment portfolios. The Indian government is opening up more channels for foreign Indians to engage in the domestic market. So, if you are an NRI and want to invest in India and are looking for the best investment options in India for NRIs, then this post is for you. In this blog, we will shed light on the NRI investment options in India, the required documents, and many others. So, stay tuned with us.

Best Options for NRIs to Invest in India

Below, we mentioned some of the finest NRI investment options in India and their benefits. 

Unit Linked Insurance Plans

When we talk about the best investment for NRIs in India, it offers both insurance and investment benefits.

• Good for high-risk investors to moderate.

• Premiums are split into insurance and investment.

• Offers a 5-year lock-in period for future savings.

• After the lock-in period, NRIs can enjoy partial withdrawals.

• Tax exemptions under Section 80C and 10(10D) of the Income Tax Act.

• Switch funds with ease.

• Flexible to reconnect with future premiums.

• A guaranteed sum is assured in case of untimely death.

• High returns and long-term benefits.

Non-resident Indians can avail of all the benefits of Unit Linked Insurance plans online and manage their investments from anywhere across the globe.

Retirement Plans

Another best investment option for NRIs in India is to take a retirement plan and secure their old age.

• Financial strategies to save for post-retirement years.

• It is one of the greatest investments for NRIs in India that offers stable income and meets future financial needs.

• During working years, retirement plans help NRIs make systematic contributions.

• Get interest or market-linked returns and enjoy your growth.

• By choosing this option to invest in India, NRIs will get pension plans, private savings plans, and government schemes (NPS, EPF).

• NRIs can secure their future and participate in India's financial markets.

• Enjoy a Tax-Free Pension

Child Plans

Everyone, whether they are a citizen of India or a Non-resident Indian, wants to secure their child's future, and child plans are the best investment option in India. It secures the future and meets its long-term goals with various benefits.

Triple Benefits of a Child Plan:

There are 3 major benefits of choosing child pans, which are as follows:

• Life Cover: The child plan offers a lump sum amount as life cover to the child if their parents die untimely.

• Future Premium Waiver: The insurer has to pay all the future premiums, that make sure that the policy remains active.

• Maturity Benefit: At last, if you have a child plan, then your children will get a maturity benefit that supports education or marriage.

Child Plan Additional Advantages:

There are some more advantages to choosing a child plan for NRIs to invest in India.

• Child plan combines investment and insurance benefits.

• This insurance offers financial protection.

• It accumulates funds for the NRI’s child’s future needs.

• Offers Monthly payouts by which NRIs can manage immediate financial requirements.

• High Return Funds to Secure Your Child's Future.

Capital Guarantee Solution Plans

• If you are a non-resident Indian seeking a secure investment with stable returns, then choose capital guarantee plans.

• It is one of the nicest safeguards for economic downturns in India.

• A small part of an investment is issued to debt for capital protection.

• The remaining part of the investment is allocated to the equity market through equity funds.

• Apart from the financial growth, it offers a life insurance component and financial protection to your family in case of unforeseen events.

• When plans become mature, investors will get the total investment amount plus returns on market standards.

Guaranteed Returns Traditional Plans

• This Plan is for those Non-Resident Indians who are looking for stability. It offers predetermined returns that remain unchanged after market fluctuations.

• Alongside guaranteed returns, these plans provide life insurance coverage, ensuring financial security for your loved ones in case of unforeseen events.

• The guaranteed returns of traditional plans if the best option for investment for NRIs in India. By investing in this plan, non-resident Indians will achieve stable growth and the dual benefits of protection and savings.

National Pension Scheme

• National Pension System For NRI offers a Long-term retirement savings initiative.

• Best Investment Plan for NRI in India 2025 that uplifts planned savings after retirement.

• If you are an NRI and your age is between 18 and 60 years, then you can invest in the mandatory Tier-I NPS account.

• NRE and NRO Accounts have to make annual contributions that can be in Rs 6000.

• Tax benefits under Section 80CCD(1B), potential for market-linked returns, and a pension after retirement.

Fixed Deposits

• Fixed deposit is one of the popular low-risk investment options.

• Investors will get guaranteed returns on fixed deposits.

• Ideal investment plan for NRIs in India who are seeking stable income.

Gold

• Gold is one of the best investment plans for Non-Resident Indians in India, and in recent years, it has reached a significant height.

• Gold is easily available in physical, ETF, and digital forms.

• By investing in gold, investors will get an average historical annual return of 10%* since 1971.

• Serves as a reliable inflation hedge.

• Culturally and economically relevant investment choice.

Real Estate

• NRI can invest in India in real estate, which offers long-term returns and potential growth.

• Prices of real estate have increased significantly over time.

• NRIs can use NRO accounts, NRE accounts, and FCNR bank accounts for real estate transactions.

Mutual Funds

• Pool money from various investors.

• Fund managers managed the funds professionally.

• NRIs can invest in various stocks, bonds, or other securities.

• It provides an opportunity for non-resident Indians to invest in India.

Equity Investments

• NRIs can directly invest in stocks of publicly listed companies.

• Can be created via PIS accounts, mutual funds, or ETFs.

• It offers high returns but also has a higher risk of market volatility.

• Following the RBI and FEMA regulations is important.

• It is a long-term investment recommended for maximum returns.

Stock Market Investments

• It allows Non-Resident Indians to partake 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)

• Enable Non-resident Indians to invest in newly listed companies in India.

• Can be made through a PIS account using NRE or NRO funds.

• Offer diversification and potential growth opportunities.

• Following the RBI and FEMA regulations is essential to NRIs.

After knowing the different NRI investment plans for Non-Resident Indians in India, we will learn how NRIs can invest in India. So, if you are an NRI and want to invest in India, then stay connected with us and check out the guide for NRIs to invest in India.

Guide for NRIs To Invest in India

In this section of the blog, we will learn the reasons why NRIs should invest in India, how to select the best investment plan, and when to start investing. So if you are an NRI and want to learn more about investing, then this section belongs to you.

Steps to Select The Best NRI Investment Options in India?

• Set financial objectives for the long and short term.

• Choose the investment plan that matches your risk tolerance.

• Spread NRI investment options across various asset classes.

• Connect with the financial experts.

• Track and adjust your portfolio.

Why Non-Resident Indians Must Invest in India?

Now we will shed light on the reasons why NRIs should choose to invest in India.

• By investing in India, you will get India’s fast-growing economy

• Get higher returns in comparison to the global markets.

• To prepare for a stable post-retirement life.

• Favourable exchange rates enhance returns.

• NRIs can explore NRI investment options in India for growth while considering the risk and profit carefully.

• NRI investment options in India can work as a financial safety.

When Can Non-Resident Indians start investing in India?

• Start early to enjoy the benefits of 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

Are you ready to invest in India as an NRI? If yes, then before that, you need to collect and submit some documents, which are as follows:

• Be a Non-Resident Indian (NRI): To invest in India, applicants must meet the definition of an NRI as per the Indian government.
• Have a Valid Passport and Visa: The applicants need to have a valid passport and visa to establish their NRI status.
• Open an NRE or NRO Account: To invest in India, candidates need to open an NRI Bank Account in India to facilitate their investments. Such as NRO bank account, NRE account, and FCNR bank account.
• Obtain a Permanent Account Number (PAN): Having a permanent account number (PAN card) is essential for all investors. On the other hand, if you don’t have a PAN card, then it is mandatory to submit a Declaration stating non-residency for tax purposes.

NRI and OCI card Holders Can Choose Visamnet to invest in India

If you looking for an NRI investment option in India, then after going through this post, you will learn various things. Above, we mentioned plenty of NRI investment options in India, such as gold, real estate, mutual funds, and many more. Apart from the investment options for non-resident Indians in India, we also make a list of required documents to invest in India for NRIs, and the steps by which NRIs can invest.

So if you are still facing any issues or seeking expert advice, then hire Visament. It is one of the best immigration service providers that assist their clients in the process of Visa, passport, NRI Certificate, OCI card, and many more. Additionally, by choosing them, you can enjoy speedy approval, 24*7 customer support, inexpensive prices, and many more.