NRI guides
Plain-language reading on borrowing and owning property in India from abroad.
Buying property in India as an NRI
Buying a home in India from abroad is common and, for most residential and commercial property, needs no special permission. What trips people up is not the rule itself but the detail: what you are allowed to buy, how…
NRE, NRO and FCNR accounts explained
Once you live abroad, your ordinary Indian savings account should be converted, and the bank accounts you use for property, loans and investments in India fall into three main types. They are created under the Foreign…
Power of attorney from abroad
A power of attorney (POA) lets someone in India act for you: sign a property purchase, execute loan documents, register a sale deed, or deal with a society or tax office. For most NRIs it is the single document that…
Repaying an Indian loan from overseas
Your EMI is due in rupees, in India, on the same date every month. You earn in dirhams, dollars, pounds or Singapore dollars, often on a different payday, and you may move jobs or countries during a 20-year loan…
Selling property in India: TDS and repatriation
Selling a flat or plot in India while living abroad involves three things that resident sellers do not face in the same way: the buyer must deduct tax at source on the full payment to you, your sale proceeds land in an…
Moving back to India: what changes for your loans and accounts
Returning to India after years abroad changes your status for foreign exchange purposes almost immediately, and for tax purposes over time. Your loans do not disappear, but your lender, your bank accounts and your…
This is general information, not legal or tax advice. Rules and lender policies change; check with your advisor, lender or a qualified professional before acting.