NRI Investing

Invest in India — From
Anywhere in the World

A fully compliant, frictionless NRI investing platform — covering NRE/NRO mutual funds, bonds, FDs, and goal planning with built-in FEMA compliance.

NRI Challenges

Why NRI Investing Remains Unnecessarily Hard

Over 32 million diaspora investors live abroad — and most struggle to invest back home because no platform was built with their specific needs in mind.

Regulatory Complexity

FEMA rules, RBI guidelines, and AMFI circulars covering NRI investments change frequently — causing banks and platforms to reject NRI applications without clear reason.

NRE vs NRO Confusion

Most platforms fail to correctly route investments to the right account type — creating repatriation issues and potential tax liabilities for the investor.

Foreign Currency Friction

Converting USD/EUR/GBP to INR and initiating investments involves multiple accounts and reconciliation delays, often 3–5 days to invest.

No Holistic View

Property back home, parental assets, NRE FDs, and mutual funds are all siloed — no unified picture of India-linked net worth.

The Platform

NRI-Native. Not NRI-Adapted.

AmaraWealth's NRI module was designed ground-up for the overseas investor — not retrofitted from a resident investor flow. Every element reflects the NRI's regulatory and financial reality.

  • Automated NRE/NRO account detection and routing at order level
  • FEMA-compliant remittance flows with full audit trail
  • Supported countries: US, UK, UAE, Singapore, Canada, Australia, and more
  • DTAA-aware tax summaries — know your home-country tax obligations clearly
  • Foreign address + passport KYC supported (no local address required)
NRI Compliance Engine
FEMA/1999 — Prohibition & Permissible transactions auto-checked at order placement
AMFI Guidelines for NRI MF investment — AMC-level restrictions respected automatically
Repatriation tracking — NRE-sourced returns flagged as freely repatriable
TDS deduction and Form 15CA/CB facilitation for large remittances
NRI Product Range

Every Product Available to NRIs — in One Place

NRE/NRO Mutual Funds

Compliant MF investments from NRE or NRO account, with AMC-specific NRI eligibility tracked automatically.

NRE/NRO Fixed Deposits

High-yield FDs from partner banks and NBFCs — full online booking, tax implications clearly shown.

Sovereign Gold Bonds

RBI SGB issuances available to qualifying NRIs — long-term gold exposure with tax-efficient returns.

Bonds & NCDs

Government securities and select corporate NCDs available to NRIs with full yield and rating transparency.

Home & Family Goals

Goal-based planning for buying property in India, supporting family, or building a retirement corpus — with NRI-specific repatriation modelling.

Tax Reporting

Annual NRI tax summary with STCG/LTCG breakdown, TDS certificates, and guidance on applicable DTAA provisions.

Onboarding

How an NRI Opens an Account

1

NRI KYC

Passport, overseas address proof, and PAN — all collected digitally. Video KYC conducted at a time convenient across time zones.

2

Account Linking

Link NRE and/or NRO bank account. The platform auto-detects account type and routes future investments accordingly.

3

Risk & Goal Setup

AI risk profiling takes country of residence, income currency, and home-country goals into account. No generic profiles.

4

Invest & Monitor

Transact from NRE/NRO account, track portfolio in INR or chosen foreign currency, set up SIPs and view repatriation status.

For Banks Serving NRIs

Power Your NRI Wealth Business
with AmaraWealth

Partner with us to deploy a fully compliant NRI wealth module inside your existing bank app — branded, white-labeled, and ready within weeks.