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The Growth Story

Why Invest in India Now?

India's real estate sector is a key beneficiary of the country's rapid economic expansion and infrastructure overhaul.

Strong EeeeEconomic Growth

India's real GDP is projected to grow 6.3% - 6.8% annually. Rising private consumption (highest in two decades) fuels demand for premium housing.

Infrastructure Boom

National highways expanded by 60%. Metro networks now span 20+ cities (1,011 km). New airports (like Navi Mumbai) are unlocking new realty hotspots.

Capital Appreciation

With urbanization and "Smart City" initiatives, property values in Tier-1 cities are seeing steady appreciation, offering lucrative ROI for long-term investors.

Knowledge Bank

NRI Investment Guide

Step-by-Step Buying Guide

  • Identify Property: NRIs can buy residential and commercial properties (excluding agricultural land/farmhouses).
  • Financing: Funds must come from inward remittances (NRE/FCNR accounts) or NRO accounts. Home loans are available for NRIs.
  • Power of Attorney (PoA): If you cannot travel, a specific PoA can be executed to a trusted person in India for registration.
  • Registration: Pay stamp duty and registration charges. The sale deed must be registered with the local Sub-Registrar.

FEMA & Legal Guidelines

Under the Foreign Exchange Management Act (FEMA) and RBI guidelines:

Who can buy? NRIs (Non-Resident Indians) and PIOs (Persons of Indian Origin) / OCIs (Overseas Citizens of India) do not require special RBI permission to buy immovable property (residential/commercial).

Lease vs License:

  • Lease: Transfer of right to enjoy property for a defined time. Requires stamping and registration.
  • Leave & License: Right to use premises for a limited duration without interest in the property. Also requires registration in many states like Maharashtra.

Taxes & Repatriation

Capital Gains Tax (CGT):

  • Long Term (LTCG): If held for >2 years. Taxed at ~20% (with indexation). Exemptions available under Section 54 if reinvested.
  • Short Term (STCG): If held for <2 years. Taxed as per income slab.

Repatriation of Funds:

NRIs can repatriate the sale proceeds of up to USD 1 Million per financial year, provided taxes are paid and the property was purchased as per FEMA guidelines.

Required Documents

  • Passport & Visa/OCI Card
  • PAN Card (Mandatory)
  • Address Proof (Overseas & India)
  • Passport Size Photographs
  • NRE/NRO Account Details
  • Power of Attorney (if applicable)

Frequently Asked Questions

No. Under the general permission, NRIs and PIOs cannot purchase agricultural land, plantation property, or farmhouses in India. Such properties can only be inherited or received as a gift from a resident Indian.

It is not mandatory if you are present in India for the registration. However, if you cannot travel, a Specific Power of Attorney (PoA) is highly recommended to authorize a trusted person to complete the formalities on your behalf.

Yes, RBI permits banks and housing finance companies to grant loans to NRIs for buying residential property. The loan amount can be up to 80% of the property value, subject to income eligibility.
Get in Touch

Start Your Investment Journey

Our dedicated NRI desk provides end-to-end support, from property selection to legal due diligence and post-purchase management.

Email Us

nri.desk@eliteproinfra.com

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+91 9968686868

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