NRI Investment Opportunities in India

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NRI Investment Opportunities in India
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Index
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NRIs Investment Options
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Real-Estate Asset Vs Financial Asset
Real-Estate Asset Financial Asset
Popular NRI investment scheme Not-so-popular for NRI investment
Lots of legalities to be followed Free of legalities
Possession maintenance require physical presence Online facility eases possession and maintenance of financial transactions and docs
Time and effort consuming Online finance handling takes just few minutes
May invite black money investment No black money investment
Long-term investment Long, short, and medium investment plans
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NRI Investment in Financial Assets

• For a week, month or few days
• Bank Fixed Deposits, liquid
• Ultra Short Term Funds
• For 1 to 3 years investment
• Short Term Debt Funds
• For 4 to 7 years investment
• Combination of Debt and Equity Funds (With
  higher debt portion)
• For 8 to 14 years investment
• Combination of Debt and Equity Funds (With
  higher Equity)
• For 15 or more years investment
• Equity Funds

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Channels of Banking for NRIs (2015)
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Channels of Banking for NRIs (2015)
SR. No. Points NRE A/c NRO A/C FCNR A/C
1.  Time to open a/c After winning NRI status After or before winning NRI status After winning NRI status
2.  Can have joint a/c? Yes, but only with close relatives Yes Yes, but only with close relatives
3.  Currency nature in saving a/c Indian rupee Indian rupee Foreign currency
4. Can open current or savings a/c? Yes Yes No
  5. Can have Fixed a/c Yes Yes Yes
  6. Aim Can park saving earned abroad in INR Can park income earned from Indian asset Can keep Fixed Deposit for 5 years
7.  Income from India Cant be kept Can be kept Cant be kept
8.  Repatriation Yes Income from deposits can be repatriated only. Yes
9.  Transferability of funds to any normal Indian bank a/c Yes Yes No
10.  Income Tax on deposits interest No Yes No
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Account Conversion
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What About Interest Rates?
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