Invest in India's growth story from anywhere in the world, with personalized guidance from an AMFI-registered advisor.
If you're an OCI holder, PIO, or foreign citizen of Indian origin looking to invest in Indian mutual funds, we have a dedicated guide for you.
View OCI & Foreign Citizens Investment Guide →India is one of the world's fastest-growing major economies with consistent GDP growth rates. Investing in Indian mutual funds allows you to participate in this economic growth narrative from anywhere in the world.
If you earn in USD, AED, AUD, or SGD, investing in Indian rupee assets provides currency diversification to your portfolio. This hedge protects you against currency fluctuations.
You don't need to be in India to benefit from professional fund management. Experienced Indian fund managers actively manage your investments for optimal returns.
With proper planning, NRIs can build wealth efficiently while managing tax obligations in both India and their country of residence.
FundsPundit serves NRIs across the USA, UAE, Australia, Singapore, UK, Canada, and beyond. With experience managing portfolios from ₹500 monthly SIPs to investments above ₹50 crores, we understand the unique complexities of NRI investing, from FATCA compliance to multi-country tax implications.
You'll need a bank account in India to invest in mutual funds. NRE (Non-Resident External) accounts accept foreign remittances, while NRO (Non-Resident Ordinary) accounts are for local income. We guide you on which is appropriate for your situation.
We guide you through the Know Your Customer (KYC) documentation. This includes PAN, passport copy, visa/PR proof, and overseas address verification. The process is 100% digital.
Decide between SIP (Systematic Investment Plan) for regular monthly investments or lump-sum investment. We help you determine the right amount and frequency based on your goals.
We recommend specific funds tailored to your risk profile and goals. We monitor your portfolio quarterly and rebalance when needed to keep you on track.
| Feature | NRE (Non-Resident External) | NRO (Non-Resident Ordinary) |
|---|---|---|
| Deposits | Only foreign currency remittances (USD, GBP, AUD, etc.) | Both foreign and local currency deposits |
| Interest/Returns | Tax-free to NRI | Taxable in India based on income tax slab |
| Repatriation | Funds can be freely repatriated abroad | Restrictions on repatriation; limited to USD 1 million per financial year |
| Mutual Fund Investments | Recommended for new NRIs or large investments | Suitable for local income or rental income from India |
| Best For | Sending funds from abroad to invest in India | Income earned in India while working or from Indian property |
Most NRIs use NRE accounts for fresh mutual fund investments due to better repatriation benefits. We help you understand your specific situation during the consultation.
Good news: All documentation is handled online. You don't need to visit our office or a bank in person. We guide you through every step via WhatsApp, email, and video calls.
Short-Term Capital Gains (STCG) - Held < 1 year:
Long-Term Capital Gains (LTCG) - Held > 1 year:
Disclaimer: Past performance does not guarantee future results. Mutual fund investments are subject to market risks.
The mutual fund company will deduct TDS at source before paying you capital gains. However, if you file an ITR, you can claim credit for the TDS deducted.
Important: TDS rules vary based on whether you're a resident, NRI, or different residential status. We recommend consulting a qualified tax advisor for your specific situation.
India has DTAA treaties with most countries (USA, UK, Australia, UAE, Singapore, etc.). These treaties help prevent you from paying tax twice on the same income, once in India and once in your country of residence. We guide you on how to claim DTAA benefits.
Tax Disclaimer: Tax laws are subject to change. The above is for general information only and should not be construed as tax advice. Please consult a qualified tax advisor in your country of residence for your specific situation.
US-based NRIs face FATCA (Foreign Account Tax Compliance Act) compliance requirements. Some AMCs restrict investments from US residents/citizens. However, major fund houses like HDFC, ICICI, SBI, and Axis accept NRI investments from the US.
Action: We verify which AMCs accept your profile and recommend accordingly.
UAE-based NRIs have no local income tax, making mutual fund investing straightforward. You only need to manage tax compliance in India. UAE-based NRIs are typically preferred by AMCs due to fewer compliance complexities.
Advantage: Relatively hassle-free investment process with no local tax complications.
Australian residents must report foreign income including mutual fund gains. Australia has a DTAA with India, which can help reduce double taxation. You may need to include mutual fund investments in your Australian tax return.
Action: Work with a tax advisor in Australia to understand reporting requirements.
Singapore-based NRIs have a relatively straightforward process. Singapore has a DTAA with India. Foreign source income in Singapore may be tax-exempt, but you should verify with a local advisor.
Advantage: Singapore's investment-friendly policies make NRI investing relatively smooth.
The UK has a growing Indian diaspora. India and the UK have a DTAA that provides beneficial tax treatment for overseas income. The investment process is generally straightforward for UK-based NRIs, though you need to consider UK tax reporting requirements on overseas investments.
Action: Consider UK tax implications and work with a UK tax advisor for proper reporting.
Canada-based NRIs are subject to CRS (Common Reporting Standard) reporting, similar to US FATCA requirements. Some AMCs may have restrictions. However, major fund houses typically accept Canadian NRI investments. Capital gains in Canada require proper reporting.
Action: FundsPundit helps navigate compliance requirements and identify AMCs that accept Canadian NRI investors.
If you're an OCI holder, PIO, or foreign citizen of Indian origin looking to invest in Indian mutual funds, we have a dedicated guide for you.
View OCI & Foreign Citizens Investment Guide →We guide you through every document needed for NRI KYC. We explain what's required, help you gather documents, and manage submissions to the fund houses.
Our team understands NRI-specific regulations, tax implications, and AMC requirements for different countries. We help you navigate complex compliance issues.
We work around your schedule. WhatsApp conversations, email support, and video calls can be arranged at times convenient for you, regardless of your timezone.
We manage your portfolio with quarterly reviews, rebalancing recommendations, and tax optimization strategies tailored for NRIs.
Yes! We actively serve NRIs in the USA, UAE, Australia, Singapore, UK, Canada, and other countries. We handle the entire process including NRI-specific KYC, bank account setup guidance, and compliance requirements.
NRIs need an NRE/NRO bank account in India, PAN card, passport copy, and proof of overseas address. We guide you through the entire documentation process.
US and Canada-based NRIs face some restrictions as certain AMCs don't accept investments due to FATCA/CRS compliance. However, several major fund houses do accept NRI investments, and we help you identify the right options.
NRI mutual fund gains are subject to TDS (Tax Deducted at Source) in India. The rates depend on whether it's short-term or long-term gains. NRIs may also need to report these in their country of residence. We recommend consulting a tax advisor for your specific situation.
Let's talk about your investment goals and create a personalized plan.