FEMA, POA, NRI loans, tax — all in plain English. Free on request.
FEMA rules
NRI home loans
POA template
Tax implications
Repatriation
Buyer checklist
FAQs
Frequently Asked Questions
Everything NRIs ask before investing in Indian real estate
NRIs can buy residential and commercial property under FEMA regulations. Agricultural land, farmhouses, and plantation properties cannot be purchased directly — only inherited or gifted.
The buyer must deduct TDS at 20% (plus surcharge & cess) on long-term capital gains and 30% on short-term gains. A lower TDS certificate under Section 197 can reduce this if applicable.
No. With a Power of Attorney (POA), the entire process — site visits (virtual), documentation, registration, and possession — can be handled remotely by PNH.
Valid passport, OCI/PIO card (if applicable), PAN card, NRE/NRO bank account details, address proof abroad, and passport-size photographs. PNH assists with document preparation.
Yes. Most Indian banks (SBI, HDFC, ICICI) offer NRI home loans up to 80% LTV. Loan eligibility is based on overseas income, and repayment can be done via NRE/NRO accounts.
Sale proceeds of up to two residential properties can be repatriated under FEMA, subject to conditions — the property must have been held for 3+ years, purchased through legitimate banking channels, and taxes must be fully paid.
Double Taxation Avoidance Agreement prevents you from being taxed on the same income in both India and your country of residence. India has DTAA with 90+ countries including the US, UK, UAE, Canada, and Australia.
Every NRI-listed property undergoes RERA verification, title clearance, encumbrance check, builder track record review, and legal compliance audit. We share a detailed verification report before you commit.
