Complete NRI Guide

NRI Property Guide India 2026

Videsh mein hain aur India mein ghar kharidna chahte hain? FEMA, loans, POA, tax — sab yahan.

 
₹2.8Cr+
Avg NRI Property Value
12%
NRI Share of Total Buyers
20%
TDS Rate (seller NRI)
Loan
80%
Max Loan Funding
NRI Buying Journey — 6 Steps
Research & Plan
FEMA rules samjho, budget decide karo, India mein trusted person identify karo.
SevaScore for Builders Check
800+ builder choose karo. EstateSeva pe free check karo. RERA verify karo.
AI
AI Advisor Consult
Locality, price, builder — sab AI Advisor se free mein poochho.
Loan
Home Loan Apply
SBI/HDFC NRI branch ya online. Documents: Passport, Visa, Salary abroad, Bank statements 6 months.
Legal Verification
Lawyer se title deed, EC, NOC verify karwao. POA banwao.
Registration & Possession
India trip plan karo ya POA holder se register karwao. EstateSeva Site Visit tool use karo.
Country-Wise NRI Guide
UAE/Dubai
Most active NRI buyers. Tax-free savings = India property easy hai.
Tip: No tax on India property income if NRE account use karo.
USA
High income, $ earning. NRI loan available. Need good CA.
Tip: FBAR reporting required for NRO accounts above $10K.
UK
Pound strong. London NRIs prefer NCR, Bengaluru, Mumbai.
Tip: DTAA (Double Tax Avoidance) ke under India-UK treaty.
Singapore
IT professionals. Bengaluru most popular choice.
Tip: Remittance easy via NEFT/RTGS from Singapore banks.
Canada
Growing community. Prefer Pune, Bengaluru for investment.
Tip: Need TRC (Tax Residency Certificate) for DTAA benefits.
Australia
Melbourne, Sydney se NCR mein investment popular.
Tip: ATO declaration required. CA guidance recommended.
Frequently Asked Questions
Haan — residential aur commercial dono. Agricultural land, farmhouse, plantation property allow nahi hai. RBI ki general permission ke under aata hai.
NRE (Non-Resident External) ya NRO (Non-Resident Ordinary) account se. Direct foreign currency transfer NRE se allowed hai.
Seller NRI ho to buyer 20-30% TDS kaatega. Buyer NRI ho to builder ko 1% TDS dena hoga seller ka.
Haan — SBI, HDFC, ICICI sab NRI home loan dete hain. Income proof abroad ka chahiye. Max 80% funding.
NRE account se purchase ka paisa fully repatriable hai. NRO se partially. Form 15CA/15CB CA se banwana hoga.
Haan valid hai — India mein trusted person ko POA de sakte ho. Notarized aur apostilled hona chahiye abroad se.
AI

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FEMA rules, loan eligibility, city choice — AI Advisor sab batayega. Remote buying bhi possible hai.

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