{"id":2017,"date":"2019-01-30T07:29:00","date_gmt":"2019-01-30T07:29:00","guid":{"rendered":"https:\/\/www.testserver.eminenture.co.in\/test\/services2nri-new\/blog\/?p=2017"},"modified":"2024-08-13T12:01:11","modified_gmt":"2024-08-13T12:01:11","slug":"best-nri-investment-options-india-2019","status":"publish","type":"post","link":"https:\/\/www.services2nri.com\/blog\/best-nri-investment-options-india-2019\/","title":{"rendered":"Best NRI Investment Options in India in 2019"},"content":{"rendered":"\n<p>India is turning into a profitable ground in terms of NRI investment. The government has been improvising several legislations and rules to attract investment by NRIs in India in 2019. Here are a few options that are going to stretch to the heights of popularity as the best investment option.<\/p>\n\n\n\n<!--more-->\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>NRE account investment:<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Can open with minimum amount<\/li>\n\n\n\n<li>Can have joint holding, like your spouse or children<\/li>\n\n\n\n<li>NRE deposits are tax free in India as they are not counted in your taxable income<\/li>\n\n\n\n<li>Higher rate of returns on account deposits, i.e. more than 10%<\/li>\n\n\n\n<li>Highly secure and risk-free investment plan for NRIs<\/li>\n\n\n\n<li>Easily &amp; freely repatriate or move funds, including interest and principal amount<\/li>\n\n\n\n<li>Unique accessibility advantages, like shopping globally, booking air tickets online<\/li>\n\n\n\n<li>Can pay bills within the country<\/li>\n<\/ul>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Mutual funds investment:<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Open NRO\/ NRE\/ FCNR account, besides SIP account for MF investment<\/li>\n\n\n\n<li>Manageable from the country where you live in<\/li>\n\n\n\n<li>Profit making possibilities soar with the appreciation in the rupee value<\/li>\n\n\n\n<li>Can appoint a Power of Attorney to invest on your behalf<\/li>\n\n\n\n<li>Tax free mutual fund gains, if they are retained for more than a year.<\/li>\n\n\n\n<li>Tax is deducted at a source of the capital gains, if you invest the holdings for more than a year. You have to pay 10% tax at a source of long term capital gains. It turns 15% if income is sourced through a short term capital gain.<\/li>\n\n\n\n<li>Debt funds investment (made for 3 years) adds profit to the NRIs income. Presently, 20% tax is levied on its gain with indexation benefits. If excludes indexation, only 10% tax will be deducted.<\/li>\n<\/ul>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>FPI investment<\/strong>: FPI stands for foreign portfolio investors. The\u00a0<a href=\"https:\/\/www.sebi.gov.in\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>SEBI<\/strong><\/a>\u00a0or \u2018Securities and Exchange Board of India Panel\u2019 has introduced a route viz. voluntary retention route (VRR) for the NRIs investment in 2019. It aims at introducing a uniform regime for all foreign portfolio investors. What features it comprises are:<\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Indian diaspora in foreign can directly invest in the Indian companies.<\/li>\n\n\n\n<li>NRIs and OCIs can purchase mutual funds units, spend money in private equities and also use the foreign FPI route.<\/li>\n\n\n\n<li>They can invest in debentures of the Indian companies and government securities, like treasury bills.<\/li>\n\n\n\n<li>They can retain a minimum required percentage of the long term investment in debt for the period of their choice.<\/li>\n\n\n\n<li>This investment is free from the macro-prudential and other regulatory prescriptions that are applicable FPIs in debt markets.<\/li>\n\n\n\n<li>The Reserve Bank of India will stipulate the amount of investment in India.<\/li>\n\n\n\n<li>The NRIs shall have to retain that amount for at least three years.<\/li>\n\n\n\n<li>The investor can participate in any currency and interest rate derivative instrument, OTC or exchanged traded to protect their interest rate or currency risk.<\/li>\n<\/ul>\n\n\n\n<ol start=\"4\" class=\"wp-block-list\">\n<li><strong>Real-Estate investment<\/strong>: There are many factors that make the real-estate an attractive option for NRI investment.<\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Rental income through a property will be an additional source since the prices have been revised a lot in the previous years.<\/li>\n\n\n\n<li>Rather than investing in the Tier 1 cities, the NRI community is tilted to the Tier 2 and Tier 3 cities. It\u2019s just because of the infrastructure development via property investment is gaining momentum rapidly in India.<\/li>\n\n\n\n<li>The return on property investment is relatively higher if you invest in the commercial property.<\/li>\n\n\n\n<li>The weak value of rupees gives dollar-holders strength. The NRIs can invest minimally to\u00a0<a href=\"https:\/\/www.services2nri.com\/Buying-SellingAssistance\"><strong>buy the property<\/strong><\/a>. The discouraged value of the Indian currency enables them to buy more pieces of land.<\/li>\n\n\n\n<li>The regulatory norms have introduced more transparency and added accountability on the part of the real-estate development agencies while complying with RERA.<\/li>\n<\/ul>\n\n\n\n<ol start=\"5\" class=\"wp-block-list\">\n<li><strong>National Pension Scheme:\u00a0<\/strong>This is a valid investment option for those who have retained Indian citizenship. They can opt for it if they want to re-locate in India after retirement.<\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>It offers leverages in the tax as it follows EET (Exempt-Exempt-Tax) layout.<\/li>\n\n\n\n<li>The non-residents can attract good returns.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>India is turning into a profitable ground in terms of NRI investment. The government has been improvising several legislations and rules to attract investment by NRIs in India in 2019. Here are a few options that are going to stretch to the heights of popularity as the best investment option.<\/p>\n","protected":false},"author":1,"featured_media":2020,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[40,67,88,104,106,114,132,157,261,263],"class_list":["post-2017","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nri-investment","tag-best-investment-plans-for-nris","tag-easy-investment-for-nri","tag-how-to-invest-money","tag-investment-in-india","tag-investment-options-in-india","tag-learn-how-to-invest","tag-nri-can-invest-in-nps","tag-nri-planning-for-investment","tag-where-to-invest-money","tag-why-nri-invest-nps"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Best NRI Investment Options in India in 2019<\/title>\n<meta name=\"description\" content=\"The investment options for NRIs in 2019 are huge in number. 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