AMFI-registered Mutual Fund Distributor · ARN 348738

NRI Investing Through Mutual Funds

Non-Resident Indians can invest in Indian mutual funds from anywhere in the world. We help NRIs complete the process and keep their investments organised from abroad.

What you need

  • An NRE or NRO bank account in India. Investments from an NRE account are repatriable. For an NRO account, repatriation is subject to RBI and FEMA rules.
  • KYC with your passport, overseas address proof and PAN. Your status (NRI, OCI) must be recorded correctly.
  • FATCA/CRS declarations about your tax residency.

Things specific to NRIs

  • Some fund houses do not accept investors resident in certain countries, notably the US and Canada. We check this before you invest.
  • Tax is deducted at source when you redeem. Tax treatment depends on your residence and any tax treaty, so confirm it with a tax professional.
  • Keep your Indian bank details, address and email current so SIPs and communications are not disrupted.
  • Currency movements affect what your investment is worth in your home currency.

Mutual fund investments are subject to market risks, read all scheme related documents carefully. NRI investments are subject to FEMA, RBI, FATCA and scheme-specific rules. See Disclaimers.

Questions people ask

Can I start a SIP from abroad?

Yes, through your NRE or NRO account, once your KYC and declarations are in place.

Can I move the money back to my country?

Repatriation depends on the source account and prevailing RBI and FEMA rules. We explain these before you invest.

Do I need to visit India to invest?

Generally not. Most steps can be completed digitally or by courier, subject to each fund house's requirements.

Related reading