Investment Advisory

Enjoy the relaxation in Tax benefits in India:

“ India has an DTAA with many nations. If an NRI based in the US makes short-term capital gains from equity investments in India, he pays 15% tax. However, the rate for such gains is 30% in the US. The investor will need to pay tax only for the difference in rate. This means he gets a deduction on the tax paid in India from his tax payable in the US.”

The Double Tax Avoidance Agreement (DTAA) or Tax Treaty is essentially bilateral agreements entered into between two countries, in our case, between India and another foreign state. The basic objective is to avoid taxation of income in both the countries . Currently India has comprehensive DTAA or Tax Treaty with a number of countries. Therefor,the NRI will be spared from paying tax twice.

For NRI Investors ,most US-registered mutual fund companies which have India operations do not accept investments from Indians living in the US as they are bound by the cap on the number of non-resident investors they can take.

As NRI, if you want to take advantage of the high growth back home, you can do so by investing in stocks and mutual funds by following some simple steps. Integrity Investment & Wealth Advisory Services can help you in your Investment decisions.

How to Start Investing in India?

Step-1: Who's an NRI?

  • An individual is treated as a Resident in India in any previous year, if he/she was in India:
  • for at least 182 days in that year or
  • for at least 365 days during a period of 4 years, preceding that year and at least 60 days in that year.

Fulfilling KYC guidelines for NRIs

  • Submission of passport copy is mandatory.
  • Overseas address
KYC for NRIs Who's an NRI?
Submission of passport copy is mandatory. A person who has been in India for 182 days or more during a financial year and 365 days or more during the preceding four financial years qualifies as a resident of India.
Overseas address NRIs can continue to enjoy non-resident status in India if their presence in the country is more than 60 days but less than 182 days in a financial year, even if their stay in India during the past four financial years is 365 days or more. A person, who has been deputed overseas for more than 6 months, also qualifies for non-resident status.

Step-2: Open NRE/NRO /FCNR Account

Step-3: Start Investing

NRI earnings from investments in India is taxed at the rate given below:
Short-term Capital Gains Tax 15% As per tax slab
Long-term Capital Gains Tax Nil 10% without indexation, 20% with indexation
Dividend Distribution Tax Nil 25% on liquid funds, 12.5% on other debt funds
Total NRI investment should not go beyond 10% of the paid-up capital of a company.

We have emerged as the industry leaders in providing NRI services to our clients that are highly dependable and efficient. Our NRI services are as follows:

  • Investor opens an NRE account with the funds repatriated into India
  • Investor defines his investment goals
  • We design a mutual fund portfolio based on invest objectives
  • We monitor the performance and progress of portfolio on continuous basis and refine strategy if required and carry out portfolio rebalancing
  • We provide regular update of the portfolio to the investor