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NRI Mutual Fund Distribution · FEMA Compliant

Your money should work
in India, even when
you don't live here.

Creating Edge Beyond Behaviour

AMFI-registered Mutual Fund Distributor helping NRIs across UAE, USA, UK, Canada and beyond invest in Indian mutual funds — fully remote, fully compliant, fully managed.

📹 Schedule a Video Call 💬 WhatsApp Us
Available IST mornings & evenings — suited for UAE / UK / US / Singapore schedules
NRI Quick Facts
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Can NRIs invest in Indian mutual funds?Yes — permitted under FEMA regulations
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Which account to use?NRE (repatriable) or NRO (India income)
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Do I need to visit India?No — video KYC, paperless onboarding
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OCI / PIO card holders?Eligible to invest — same process
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Can I repatriate returns?NRE account investments — fully repatriable
Who can invest:
NRI with NRE / NRO account OCI Card Holders PIO Card Holders Indians working abroad
Simple Process

Start Investing from Anywhere in 5 Steps

100% remote. No India visit needed. No documents to post.

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Video Call Consultation

Schedule a call in your timezone. We understand your goals and India investment needs.

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Video KYC & CKYC

SEBI-approved video verification. Passport + overseas address proof. All remote.

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NRE / NRO Account Linking

We link your existing NRE or NRO account for investment and redemption.

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Fund Selection & SIP Setup

Goal-wise mutual fund plan. SIP registered via BSE Star MF — fully paperless.

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Ongoing Remote Management

Portfolio reviews, rebalancing, WhatsApp updates — we handle everything.

Why NRIs Invest in India

Your India Financial Goals

Whether planning to return or building a lasting India portfolio — we work with you on a strategy for every goal.

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Retire in India

Build an INR corpus abroad. A Systematic Withdrawal Plan (SWP) can provide structured monthly income when you return home.

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Support Family Back Home

Replace ad-hoc remittances with a systematic SWP — structured and reliable monthly income for parents or dependents.

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Real Estate Down Payment

Save systematically in mutual funds, then redeem when ready to buy. Invest at your own pace, no timing pressure.

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INR Portfolio Diversification

Hedge currency risk by investing in India equity mutual funds. Past performance is not indicative of future returns.

Account Guide

NRE vs NRO — Which Account to Invest From?

The most common NRI question. Here's a simple factual comparison. Consult your bank for account-specific terms.

Feature
🟢 NRE Account
🟡 NRO Account
Source of Funds
Foreign earnings remitted to India
India-sourced income (rent, dividends)
Currency
INR (converted from foreign currency)
INR only
Repatriation
✓ Fully repatriable
⚠ Limited (up to USD 1M/year)
Taxable in India?
Interest exempt from India income tax
Taxable in India
TDS on MF Redemptions
✓ Applicable (DTAA benefit may be claimable)
✓ Applicable (DTAA benefit may be claimable)
Best For
Investing foreign earnings in India
Managing India-earned income
General Guidance
✓ Often preferred for foreign income investments
Use for India-sourced income investments
General information only. Account-specific terms, tax treatment and repatriation limits are subject to RBI/FEMA regulations and may vary. Please consult your bank and CA.
Tax Basics

NRI Taxation on Mutual Fund Redemptions

Key tax facts for NRI investors as per current regulations. Always consult your CA for personalised guidance.

📈 Equity Mutual Funds (TDS on Redemption)

Short-term gain (<1 yr)20% TDS
Long-term gain (>1 yr, above ₹1.25L)12.5% TDS
Surcharge + cessMay apply
DTAA Benefit: If India has a tax treaty with your country of residence (e.g. UAE, USA, UK, Canada), you may be able to claim credit for India TDS against your home country tax. Your CA can guide you on eligibility.

💼 Debt / Hybrid Mutual Funds (TDS)

All gains30% TDS (as income)
Surcharge + cessMay apply
DTAA treaty benefitMay be claimable
Note: TDS is deducted at source by the AMC. Your CA can file an ITR in India to claim refunds if your actual tax liability is lower than the TDS deducted.
⚠ Important: Tax rates shown are indicative and based on current Finance Act provisions. Rates, exemption limits, and surcharges are subject to change by the Government of India. This is general information only and does not constitute tax advice. Please consult a qualified Chartered Accountant for your specific tax position. Subject to FEMA regulations and applicable tax laws.
Why Choose Us

Why NRIs Choose FinovestEdge

Built specifically to serve NRI clients as thoughtfully as our local families in Haryana.

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A Trusted Local Distributor in India

Physically based in Panipat, Haryana — we understand Indian market conditions and your family's financial context.

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Video Call + WhatsApp Support

IST mornings and evenings to suit Gulf, UK and US time zones. WhatsApp for quick questions and portfolio updates anytime.

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FEMA Guidelines Followed

Every step follows applicable FEMA and SEBI guidelines. All documentation maintained and available for your records.

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Regular Portfolio Updates

Monthly WhatsApp summaries, annual review calls, and proactive communication during significant market movements.

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Fully Paperless Onboarding

Video KYC, digital SIP mandate, e-sign — everything completed online. No India visit required, no physical documents to post.

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Goal-Based Approach

We map every mutual fund recommendation to your specific India goals — retirement, education, family support, or real estate planning.

FinovestEdge (Finovestedge Distribution Private Limited) · AMFI-registered Mutual Fund Distributor · ARN-342847
Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing.

Our Credentials

Regulated, Verified & Accountable

Every credential and process listed here is documented, regulatory and verifiable.

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AMFI-Registered Distributor

Registered with the Association of Mutual Funds in India. ARN details are verifiable on the AMFI website at any time.

ARN-342847
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SEBI Compliant Operations

All distribution activities follow SEBI Mutual Funds Regulations, the AMFI Code of Conduct, and applicable FEMA guidelines for NRI investments.

Fully Regulated
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Paperless & Secure Onboarding

We use SEBI-approved Video KYC (V-KYC), CKYC, BSE Star MF for SIP registration, and CAMS / KFintech for portfolio servicing.

SEBI-Approved Process
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NRI-Specific Service Model

Dedicated onboarding flow for NRIs — NRE/NRO account linking, overseas KYC documents, DTAA guidance, and timezone-suited communication.

NRI-Ready
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Grievance Redressal

Any investor complaint can be escalated to SEBI SCORES (scores.sebi.gov.in), SmartODR, or the AMFI helpline. All complaint records maintained as required.

SEBI SCORES Registered
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Backed by Established Infrastructure

Operations powered by Wealth Elite backoffice (RedVision Technologies), integrated with BSE Star MF, CAMS, and KFintech RTA.

Industry Infrastructure
Common Questions

NRI Investment FAQs

Can NRIs legally invest in Indian mutual funds?+
Yes. NRIs are permitted to invest in Indian mutual funds under FEMA (Foreign Exchange Management Act). The investment must be made through an NRE or NRO bank account. This is a fully legal, RBI-compliant process. Mutual fund investments are subject to market risks — please read all scheme-related documents carefully before investing.
Do I need to be physically present in India to start investing?+
No. The entire process — KYC, account linking, SIP registration — can be completed remotely via video call. We use SEBI-approved Video KYC (V-KYC), which is accepted by all major AMCs and RTAs for NRI investors.
What documents do I need as an NRI investor?+
You will typically need: (1) Valid Indian Passport, (2) Overseas address proof — utility bill or overseas bank statement, (3) NRE or NRO account details, (4) PAN card (we can guide you on how to apply if you don't have one), (5) A recent photograph — all captured during video KYC. Document requirements may vary by AMC.
Which is better — NRE or NRO account for mutual fund investments?+
For most NRIs investing foreign income, the NRE account is generally preferred. Redemption proceeds from NRE-linked investments are fully repatriable, and NRE account interest is exempt from Indian income tax. NRO accounts are more suitable for India-sourced income. Please consult your bank and CA for personalised guidance on which account suits your situation.
Will I be taxed twice — in India and in my country of residence?+
India has Double Taxation Avoidance Agreements (DTAA) with UAE, USA, UK, Canada, Singapore, Australia and many other countries. Under DTAA provisions, you may be able to claim credit for India TDS against your home country tax. The exact benefit depends on your country of residence and tax status — your local CA can help you claim the applicable treaty benefit.
Can I redeem my investments and transfer money back abroad?+
Yes. Redemption proceeds from NRE-account-linked investments are fully repatriable — they are credited to your NRE account and can be transferred abroad freely. NRO-account redemption proceeds are repatriable up to USD 1 million per financial year, subject to applicable taxes and RBI regulations in force at the time of repatriation.
What happens to my India investments if I return to India permanently?+
When you become a Resident Indian (RI), your NRE/NRO accounts are converted to resident accounts as per RBI guidelines, and your mutual fund folio residential status is updated accordingly. We will guide you through this transition so your investments continue without disruption.
How do I track my India portfolio from abroad?+
You can access your portfolio via the Wealth Elite client portal (accessible worldwide), CAMS and KFintech investor portals, and AMFI's NAV portal. We also provide periodic portfolio summaries via WhatsApp and conduct annual review calls at a time that suits your timezone.
Are OCI and PIO card holders eligible to invest in Indian mutual funds?+
Yes. OCI (Overseas Citizen of India) card holders can generally invest in Indian mutual funds on the same basis as NRIs. PIO (Person of Indian Origin) card holders with a valid PIO card are also generally eligible. The same NRE/NRO account-based process applies. Eligibility is subject to FEMA regulations and individual AMC policies.
Are there any restrictions for NRIs from the USA or Canada?+
Some AMCs have historically restricted investments from USA/Canada-based NRIs due to FATCA and reporting requirements. However, several AMCs do accept investments from these geographies with appropriate declarations. We will guide you on which AMCs are open to your country of residence at the time of onboarding.
Start Today

Your India portfolio
is waiting for you.

Schedule a 30-minute onboarding call. We'll walk you through the NRE/NRO process, FEMA requirements, and how to get started with your India investment journey.

📹 Schedule Onboarding Call 💬 WhatsApp Us Now
🇦🇪 🇺🇸 🇬🇧 🇨🇦 🇦🇺 🇸🇬 Available for NRI clients in UAE · USA · UK · Canada · Australia · Singapore & Gulf

AMFI-Registered Mutual Fund Distributor · ARN-342847 · SEBI Compliant · FEMA Compliant
Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing.
Subject to FEMA regulations and applicable tax laws. Tax rates are indicative; please consult your CA for personalised guidance.