NRI Investment Process

NRIs are welcomed for all types of investments in India. We describe the process of investment.

There are 3 parts of Investment Process


Pre Investment Process

Before NRI can make investment.


Investment Process

Developing investments options.

Post Investment Process

Client needs to maintain records.

Pre Investment Process

This is a onetime process required to be carried out before NRIs can start investing in India. Here there are 3 steps of process. In 1st step, NRI is required to obtain Permanent Account Number popularly known as PAN card from Income-tax Authorities. In 2nd step, NRI is required to open NRO, NRO – PIS, NRE, and NRE –PIS accounts with the designated bank. NRO accounts are meant for funds that are belonging to the NRI and lying in India. It may be inherited fund or earned earlier. NRE accounts are meant for funds to be brought from outside India. Funds in NRE category are repatriable. 3rd step is registration as a client through KYC process. Once NRI carries out this process, he/she is ready for any kind of investment in India.

Once this pre-investment process is complete, one can invest at his/her will simply through phone/e-mail and other means of communications. In this era of technology, client interface is easy.

Investment Process

This is the process of deployment of fund. Here, NRI is required to develop options for investment, evaluate them and select set of investment based on his perceptions, preferences and risk profile. This is also a process of asset allocation. Investment companies like CONCEPT can be of good help in developing alternatives and selection.

Post Investment Process

This is a process to be taken up after the investment is made. It comprises of a) keeping proper records, b) review and restructuring – monitoring of investment and c) filing of incometax returns. There are professionals available for assisting in this process.