Why does it Make Sense to Invest in Indian Markets?

Emerging as one of the fastest-growing economies in the world

Robust and competitive markets

Regulated and transparent transactions

NRI Investment

NRI Investment Services
As one of the world’s fastest-growing economies, India offers the best investment options for NRIs. There are a wide range of investment opportunities across a variety of asset classes. With investment opportunities ranging from equity, fixed income, real estate, and more, India has continued to stand out as an attractive investment destination.

Individuals looking for the best investment in India for NRIs can explore investment opportunities in Indian capital markets from various investment avenues such as India dedicated Mutual Funds Schemes, Portfolio Investment Schemes, and other eligible securities. Investment offerings under NRI services should be customized to the individual’s risk profile and investment objectives. To understand asset class behavior, the offering must be further backed by a strong research team and a dedicated service delivery team. A transaction-based investment management approach or the asset advisory approach offered by wealth management firms in a specific country can meet these needs.

Who is an NRI?

A person who stays abroad for more than 182 days in a given financial year is considered an NRI and is eligible for our NRI services.

How to get started?
We have an online counselling and account activation process to make it easy for NRIs to get started with their investment journey in India. Looking for NRI services? Get in touch with us.

Reasons why NRIs should invest in India?
There are many investment options for NRIs in India. NRIs can create their portfolio by investing in different options. Below are some reasons why NRI should invest in India

Prepare for retirement

Since NRIs live in foreign countries, they would have little idea about their retirement needs and investment options for retirement. They need an advisor to help them invest in the right instruments for retirement.

Good Returns:
NRI wealth management services ensure that the wealth is not only protected, but that NRIs receive a good return on their capital by participating in the growth of the Indian Economy as it grows to be the third largest economy. (Source: IMF)

Build financial assets
NRIs with surplus cash can build financial assets as per their needs, – residential or commercial property.

Why do NRIs need financial advisors?

If you are looking for investment options for NRIs in India, you will find many such options. How do you know which are the best options for you? There are many other complex questions in front of NRI investors when they plan to invest in India. Let us look at some reasons why they should opt for a financial advisor:

Taxation
Tax planning for NRIs is a task in itself, as taxation gets complicated for NRIs. You will have to deal with local taxation rules and then have to align with Indian taxation for NRI. For example, when you invest in a mutual fund, is the taxation rule the same as for Indian residents or different? You need to know how mutual fund taxation for NRIs work.

Investment
If you invest on your own as NRI, you may not know if there are any portfolio investment schemes for NRIs. A financial advisor can help you invest in such schemes apart from traditional investment schemes.

Tax filing
Knowing taxation is one thing, and filing taxation is another. Financial advisors have expertise in income tax filing for NRIs, and for this reason, you must opt for their services.
Right Horizons has years of experience helping NRIs find the best NRI investment options in India. We have supported tax planning for NRIs for almost a decade.

Problems faced by NRIs while Investing in India

• Investment Restrictions
• Minimal Diversification
• Digital Assets
• Unawareness of Legal Rights
• Double Taxation/Tax Avoidance
• Delay in Process
• Lack of Professional Advice
• Financial Discrimination

Solutions for Investing in India by NRIs

In India, NRIs/PIOs can invest in two ways which are as follows;

• Repatriation Basis
• Non-Repatriation Basis

Financial Consulting

Financial Advice for NRI

Being a non-resident Indian comes with its own set of financial challenges and opportunities. Financial advisors can help you make the most of your NRI status. We understand the complexity of an NRI investment portfolio. We curate customized and comprehensive solutions for NRI. We have an in-depth understanding of NRI requirements and follow a transparent and professional approach to addressing them.

Our team of financial advisors offer expert advice on tax planning, insurance, and investments. An NRI has investments in India and abroad.

If you invest on your own as NRI, you may not know if there are any portfolio investment schemes for NRIs. A financial advisor can help you invest in such schemes apart from traditional investment schemes.

We can constantly review and monitor your assets and advise on them. We can help you handle the transition from a Resident Indian to a Non-Resident Indian and vice versa. We have helped NRI investors construct a plan to retire in India. Our NRI clients are based out of the US, UK, Germany, Netherlands, UAE, Singapore, China, Australia, Malaysia, etc.

Financial Planning For NRI

• How will your assets be taxed in India and your resident country?


• Do you want to retire in India or abroad?


• What are the best investments for non-residents?


• Do you have enough insurance and are you covered across the globe?


• Would you like your children to study in your resident country, India, or elsewhere in the world

Tax Planning for NRI

Tax is the one question on our minds when it comes to making investment decisions. Nobody likes surprises or wants to be slapped with a penalty for an honest mistake. Does that mean an NRI should limit their investment options to the obvious ones? When an NRI work with a financial advisor in India, a world of tax-compliant opportunities opens up.

Citizenship-Based Taxation

• The number one myth about taxation: Tax rules depend on your citizenship status. The truth is that tax rules are applied based on your resident status. For instance, if you are an Indian citizen residing in the USA, you are subject to tax rules in the USA and India. Similarly, if you are a US citizen and an Indian resident, then the tax rules of both countries apply.


• Determining your resident status is crucial, especially during transition periods. As a global citizen, you want to be ahead of the curve and know which tax laws apply and how you can structure your investments.

NRI Taxation

An NRI's income in India is taxable. The taxation of income from another country depends on the agreement between the two nations. DTAA (Double Tax Avoidance Agreements) between India and other countries ensure that this income is taxed only once.

An NRI may pay higher TDS on their investments but may be subjected to lower tax rates. For example, the TDS on capital gains from equity mutual funds is 30% but capital gains themselves are taxed at 15% (short-term capital gains) and 10% (long-term capital gains).
A common misconception is that an NRI need not file tax returns in India because there's no income to declare. Hiring a financial adviser could guide you towards the right tax decisions.

Investment Strategy

What's the number one factor that drives an NRI's investment decisions? The exchange rates. Most NRI investors believe that they get the best outcomes if they get the best currency conversion rates. However, financial mapping delivers the best outcomes by looking at the bigger picture. What matters more than the exchange rate is the structure of your global asset allocation. Knowing what percentage of your assets should be in each asset class and each country is essential. Working towards that target guarantees more holistic outcomes for your financial wellbeing.

Investments For NRI in India

NRI's can choose between real estate, equity shares, mutual funds, and fixed deposits. Countries like the US have restrictive rules on investing outside the country for tax residents. Whereas other countries may be more liberal. Some general rules may apply to NRIs, but their resident and tax status determine the most suitable products. Here’s a quick reckoner on the advantages and disadvantages of the different asset classes.

A financial adviser can help NRIs make the most use of the:
Non-Resident (Ordinary) Rupee Account – NRO Account
Non-Resident (External) Rupee Account – NRE Account
Foreign Currency Non-Resident (Bank) Account – FCNR (B) Account

Insurance Planning For NRI

• The most common insurance product in an NRI portfolio is a ULIP. ULIPs are expensive products. Unit-Linked Insurance Plans deliver modest returns and insufficient insurance. Non-resident Indians need to rethink their risk management strategies. Most NRIs don't know the financial value of their lives despite having financial dependents in India and abroad.
• Financial risk manifests in many forms. A layoff or pay cut in a foreign country can be more stressful. Healthcare systems vary significantly across the world. NRIs need to plan their insurance policies to receive worldwide coverage against the biggest financial risks.

Children's Education

Most NRIs migrate in search of a better future for themselves and their children. An NRI based out of the middle east may aspire to send their children to the US or UK for higher studies. This adds a new dimension to their global asset allocation. The Wealth planning process makes you cognizant of inflation rates, prepares you for currency movements, and sets saving targets for your children's future needs.