Invest

Updated : Aug 11, 2026

NRI investment in India gets a GIFT City route: What the Wealth Company’s new fund offers

NRIs and other eligible overseas investors can now access India’s mutual fund market through The Wealth Company’s new US-dollar-denominated GIFT City fund. The Category III AIF offers a professionally managed route across Indian mutual funds and ETFs without requiring investors to select schemes individually.

FCNR(B) deposits allow NRIs to hold fixed deposits in designated foreign currencies such as the US dollar, pound sterling and euro.

Updated : Aug 7, 2026

HDFC Bank, ICICI Bank raise FCNR(B) deposit rates to 6.25%: What it means for NRI investors

HDFC Bank and ICICI Bank have raised interest rates on select FCNR(B) fixed deposits to 6.25% after the government eased hedging costs for banks. The move offers NRIs higher tax-efficient returns while helping lenders attract more foreign currency deposits.

In its June monetary policy measures, the RBI announced that it would bear the foreign exchange hedging cost under a special swap facility and removed the ceiling on FCNR(B) deposit interest rates until September 30, 2026.

Updated : Aug 6, 2026

Should NRIs split their savings between FCNR(B) and NRE Deposits? Here's how a mix can balance returns, currency risk

The RBI's temporary relaxation for NRI deposits has revived interest in FCNR(B) and NRE fixed deposits. But the right strategy may not be choosing one over the other—it could be investing in both.

According to SEBI, introducing a DR framework for REITs and InvITs would create an additional investment option for foreign investors.

Updated : Aug 4, 2026

SEBI proposes Depository Receipts for REITs, listed InvITs to widen foreign investor access

In a consultation paper released on Tuesday, the regulator said the proposal would enable REITs and publicly listed InvITs to issue foreign currency-denominated Depository Receipts in permissible overseas jurisdictions.

Private sector banks attracted the highest inflows overall, with outstanding FCNR(B) deposits rising from $14.95 billion to $25.68 billion, an increase of about $10.73 billion.

Updated : Aug 4, 2026

HSBC tops FCNR(B) mobilisation under RBI swap window; SBI, ICICI among biggest gainers

HSBC has emerged as the largest mobiliser of FCNR(B) deposits under the RBI's concessional swap window, raising more than $6 billion since the scheme opened in June. SBI and ICICI Bank followed closely, highlighting strong NRI participation as banks continue to tap foreign currency deposits.

According to the Remittor Annual NRI Wealth Report 2026, nearly 46.4% of NRI property owners plan to sell immediately, while another 26.2% intend to exit within the next six months.

Updated : Jul 30, 2026

Sabeer Bhatia's 20-year wait for luxury apartment sparks debate on India's real estate

Hotmail co-founder Sabeer Bhatia has reignited concerns over delays in India's real estate sector after revealing that an ultra-luxury apartment he booked in 2012 is now expected to be delivered only in 2032. His remarks come as a new report shows a growing number of NRIs are planning to sell their Indian properties and move the proceeds overseas.

Nearly 89% of properties entering the sale pipeline are residential, most of them purchased during the 2010–2019 property boom.

Updated : Jul 29, 2026

Nearly half of NRIs plan to diversify property investments in India. What's driving the shift?

Indian homes are no longer just a fallback option for many NRIs. A growing number of NRIs are rethinking their property investments in India, with nearly half planning to diversify their holdings. Instead of holding real estate indefinitely, many are monetising assets to fund overseas investments, retirement plans and other financial commitments.

SBI Research projects India's balance of payments will post a surplus of more than $50 billion in FY27, supported by FCNR(B) deposits, remittances, FDI and portfolio inflows.

Updated : Jul 27, 2026

The $70-billion NRI bet: Can FCNR(B) deposits buy India enough time to defend the rupee?

SBI Research estimates that FCNR(B) deposits could reach $65-70 billion under the RBI's special mobilisation scheme, providing a major boost to India's external finances. But despite record NRI inflows, the report warns that sustained rupee depreciation remains a concern and calls for stronger forex intervention by the central bank.

While the FCNR(B) deposit rate is fixed for three to five years, the borrowing cost may not be fixed unless explicitly stated in the loan agreement.

Updated : Jul 16, 2026

'Zero-risk' 16% returns in dollars? Why experts say NRIs should read the fine print first

A leveraged FCNR(B) deposit scheme promising "zero-risk" returns of up to 16% in US dollars is drawing attention among NRIs. While the structure is RBI-backed, wealth experts say investors should understand the leverage, tax, liquidity and policy risks before signing up.

Unlike conventional FDs, FCNR(B) deposits allow NRIs to hold savings in foreign currencies such as the US dollar, pound sterling, euro, Japanese yen, Australian dollar and Canadian dollar.

Updated : Jul 14, 2026

NRIs rushing to lock in 7% dollar returns? Here's how FCNR deposits compare with NRE, NRO FDs

A special RBI window has made FCNR(B) deposits one of the most attractive fixed-income options for NRIs, with some banks offering over 7% returns in US dollar terms. Here's how FCNR deposits compare with NRE and NRO deposits—and which option suits your needs.

Banks are currently offering approximately 5.5% to 7% on US dollar FCNR(B) deposits.

Updated : Jul 9, 2026

Why NRIs are rushing to lock in FCNR deposits before RBI's September 30 deadline

RBI's special FCNR(B) deposit window has sparked strong interest among Non-Resident Indians (NRIs), with banks offering up to 7% interest on US dollar deposits. Dharmendra Maurya, Founder of Rupeeflo, said higher returns, tax benefits and the September 30, 2026 deadline are prompting NRIs to act quickly.

Lengthy onboarding timelines can hurt investment activity, with experts estimating that 60-75% of potential customers drop off as delays weaken their intent to invest.

Updated : Jul 2, 2026

Nithin Kamath on NRI investing: Why a 60-day onboarding process is hurting participation

Opening an NRI bank and investment account in India has traditionally taken up to 60 days, often causing potential investors to abandon the process midway. Zerodha Founder Nithin Kamath believes reducing onboarding to 24 hours could significantly boost NRI participation in Indian financial products such as FCNR deposits, stocks and mutual funds.

The study found that women accounted for 7.3% of all NRI investors as of June 2026, up from 4.3% a year earlier.

Updated : Jun 30, 2026

Why Indian women abroad are investing more from the West than the Gulf

Indian women living overseas are participating in cross-border investing in record numbers, with female investor participation rising nearly 70% over the past year. However, the trend is far more pronounced in Western countries than in the Gulf, highlighting how migration patterns and financial independence shape investment behaviour.

Money sent by an NRI to specified relatives, including parents, spouse, children and certain other close family members, is fully exempt from tax under the Income-tax Act.

Updated : Jun 27, 2026

NRI sending money to India? A simple mistake can trigger I-T notice. Here are the rules you should know

Sending money to India is generally straightforward for NRIs, but failing to follow tax and FEMA rules or maintain proper documentation can invite unwanted scrutiny. Here's what NRIs need to know about tax-free gifts, remittance limits, RBI regulations and the right bank accounts before transferring funds.

Even though fresh inflows weakened, outstanding FCNR(B) balances rose from $33.08 billion in April 2025 to $33.92 billion in April 2026.

Updated : Jun 24, 2026

Will RBI's recent FCNR push revive NRI dollar flows after April data showed a slowdown?

The RBI's recent measures have pushed FCNR(B) deposit rates to as high as 7%, offering NRIs one of the most attractive dollar-denominated fixed-income opportunities in years. However, RBI data for April 2026 showed that NRI dollar deposit inflows had already begun losing momentum before the central bank stepped in.

Many overseas Indians say the salary differential between India and the United States often keeps pushing their return plans further into the future, even after achieving significant financial milestones.

Updated : Jun 22, 2026

Green Card limbo: Indian techie asks if ₹6 crore is enough to quit work and return home

Discussions among H-1B visa holders and Green Card applicants have highlighted growing concerns around job security, immigration uncertainty and the financial trade-offs between staying in the US and returning to India.

Unlike NRE deposits, which are maintained in Indian rupees, FCNR(B) deposits are denominated in foreign currencies such as the US dollar, pound sterling, euro and Japanese yen.

Updated : Jun 12, 2026

FCNR(B) vs NRE vs US Fixed Deposits: Which option makes more sense for NRIs?

Indian banks have raised FCNR(B) deposit rates to as high as 7% following the RBI's special swap window, giving NRIs more options for parking their savings. But how do these dollar deposits stack up against rupee-denominated NRE deposits and fixed-income products in the US?

The report covered more than 8,300 NRIs across the UAE, Saudi Arabia, Qatar, Kuwait, Oman, and Bahrain.

Updated : May 7, 2026

Are Indian equities replacing real estate as the top wealth choice for Gulf NRIs now?

Indian expatriates across the Gulf are increasingly moving away from traditional real estate investments and turning towards Indian equities and mutual funds as their preferred long-term wealth creation strategy. A new Equirus Wealth report suggests this shift is no longer cyclical but structural.

Mauritius joins the golden visa race, expects 100 high-net-worth individuals annually

Updated : May 6, 2026

Mauritius launches golden visa for HNIs, asks for $1 million investment within 12 months

These golden visa holders would be encouraged to invest across sectors, including fintech, artificial intelligence, biotechnology and renewable energy

Experts say Dubai stands out for its business-friendly environment and connectivity, while Greece is emerging as a strategic lifestyle destination.

Updated : Apr 14, 2026

Is Greece the new Dubai? Why HNI Indians are shifting their investments

Wealthy Indians are increasingly looking beyond traditional hubs like Dubai as they diversify global investments. Greece is emerging as a compelling option, driven by its Golden Visa programme, lower entry costs, and EU access. However, experts say this is less a shift and more a strategic expansion across geographies.

Healthcare drain in the US forces NRI couple’s return — why NRIs need Indian insurance

Updated : Nov 26, 2025

'$1.6k for insurance, yet $14k extra spent in US': Expert warns why NRIs need Indian health policies

In an insightful post on X, the expert revealed the story of an NRI couple who, after living in the US for 17 years, returned to India due to the overwhelming burden of healthcare costs.