Month: December 2022

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Knowledge Sharing Presentations

Tax Planning of Assets received by Succession

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Knowledge Sharing Presentations

Effective Planning on Income Tax Finance AND Succession

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Knowledge Sharing Presentations

Effective Planning on Income Tax, Finance & Succession And Practical Analysis of Income Disclosure Scheme – 2016

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Knowledge Sharing Presentations

New Age India New Investment Horizons

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NRI Services

PMS in India

India is the land of opportunities for all global investors. Naturally, NRI investors are looking towards investing in India. There are various investment options for NRIs in India. However, one investment option NRIs tend to favour is Portfolio Management Services. PMS in India is one of the most preferred investment options of the NRI. With India’s economy booming, the Indian stock market will grow and create wealth. However, investing directly in stocks is tedious due to the need for research and analysis. However, a team of professionals, including a fund manager, does the research and analysis in a PMS. 

The NRIs are already pouring billions of dollars into Indian equities every year. An NRI should invest in PMS in India to take advantage of the upcoming economic boom. An NRI can trust the fund manager’s expertise in a PMS to generate superior returns. Finally, investing in PMS in India can help NRIs take advantage of the favourable tax treatment often available. Investing in a PMS in India enables NRIs to diversify their investment portfolio and earn higher returns. 

How can an NRI Invest in a PMS in India?

An NRI must go through the Portfolio Investment Scheme (PIS) route to invest in PMS in India. Portfolio Investment Scheme (PIS) is a scheme that allows NRIs to invest in the Indian stock market through a designated bank account. PIS will enable NRIs to invest in various financial instruments, such as equities, debt instruments, and mutual funds, subject to specific regulatory guidelines and restrictions.
Under the PIS, NRIs have to open a PIS account with an Indian bank in India and deposit foreign currency. The NRI can then use these funds to buy securities in the Indian stock market. The bank acts as an intermediary between the NRI investor and the Indian stock exchange, allowing NRIs to invest in Indian securities without opening a local trading account.
PIS offers NRIs several benefits, such as the ability to invest in a wide range of securities, easy access to funds, and professional management of their investments. It also allows NRIs to diversify their investment portfolio and capitalize on the growth potential of the Indian economy.

Why Should an NRI Invest in PMS in India?

  • Diversification: Investing in a PMS in India can provide an NRI with additional diversification in their investment portfolio. By investing in a PMS, they can gain exposure to a broader range of asset classes and investment opportunities in India. A PMS also has many categories like large cap, mid cap, small cap, multi-cap, etc.
  • Professional management: Professional Fund Managers with years of experience in the Indian Financial Markets manage PMS investments. Therefore an investment in PMS in India would enable the NRI to take advantage of the professional fund manager’s expertise for their investment. 
  • High potential returns: The Indian economy has strong growth potential, and investing in a PMS can allow NRIs to capitalize on this growth. The PMS is the right investment option for an NRI willing to take advantage of the upcoming economic growth of India. 
  • Rupee Appreciation: NRIs who invest in a PMS in India can benefit from the potential appreciation of the rupee against their home currency. This can help them increase their returns and better achieve their financial goals. 

Key Benefits of Portfolio Management Services Over Mutual Funds:

  1. Lesser Restrictions: Compared to mutual funds, Portfolio Management Services have fewer restrictions. Mutual funds in India are supposed to follow the sectoral cap restrictions based on the nature of the underlying scheme. Whereas for PMS in India, there are no such strict rules for sectoral caps while investing. This enables the PMS to invest more appropriately in various sectors as per the prevailing economic situation. 
  2. Unaffected By Inflows & Outflows: Another critical feature of a PMS in India is that it is unaffected by the inflows & outflows of the scheme. Whereas in mutual funds, every investor’s value is affected by the inflows and outflows in the scheme. In a PMS in India, the NRI’s investment is held in their Demat accounts and hence remains unaffected by the inflows and outflows of the scheme.
  3. Taxation Benefits: The notional gains made on a mutual funds investment of a US-based NRI is taxable in the united states. However, no such tax is charged on the notional gains made on an NRI’s PMS investment in India. Therefore it is beneficial for an NRI to invest in a PMS in India.

How Can We Help You?

Ashutosh Financial Services is a professional financial company. We have been serving the NRI’s requirements for 20+ years. Our team consists of professionals with years of experience in handling the intricacies of an NRI investment. We have a custom process for an NRI’s PMS investment in India. Our custom process will ensure a simple and streamlined investment process for the NRI. 

At Ashutosh Financial Services, we put utmost importance on Preliminary Discussion. In the preliminary discussion, we discuss your investment objectives and expected returns. We modify your investment objectives based on your risk appetite to protect your investment. We also collect your basic details to work up your risk profile. Risk profiling helps us in selecting the ideal PMS for your investment. 

All this data and the necessary details are then given to our in-house Research & Department. This department will select the ideal scheme for your PMS investment in India. It considers your investment objectives, expected returns, and risk appetite before finalizing a PMS. Moreover, our in-house research and analysis department also tracks and monitors the performance of all the PMS in India. We also track every PMS fund manager’s investing style and pick the one that suits your investment objectives perfectly. 
Once the Research & Analysis Department selects the PMS, we shall approach you with all the necessary documents. We shall also discuss your investment’s tax implications and ways you can legally save taxes. We also assign a relationship manager to guide you through the entire process. The said relationship manager will assist you even with your further needs. 

At Ashutosh Financial Services, we review your investments periodically. With it, we try to ensure that your scheme performs as per your objectives. If the current scheme underperforms, we shall inform you about the need to change the scheme. The timely changing of the scheme will ensure that your investment objectives are satisfied.

At Ashutosh Financial Services, we provide you with quality & unbiased services for all your needs. We provide a wide range of NRI services like NRI Investments, NRI Insurance, & NRI Banking. We also provide various NRI Income Tax Compliance Services through our separate tax department. In our bid to provide one-stop financial services to the NRIs, we provide the NRIs with Foreign Tax Compliance Services.

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NRI Services

Can NRI Buy Property In India?

Yes, an NRI / OCI can buy properties in India. The purchase and sale of immovable assets in India by non-resident Indians (NRIs) is under the purview of the Foreign Exchange Management Act (FEMA) and is administered by the Reserve Bank of India (RBI). An NRI is an Indian citizen who is a resident outside India, according to FEMA. An OCI (overseas citizen of India) is a Non-Indian citizen who or whose parents or grandparents were born in India. NRIs & OCIs are treated the same for investment in real estate. Therefore we will address them as NRIs going forward.

Should an NRI Buy Property In India?

All NRIs know that India is one of the fastest-growing economies in the world. Its Real Estate Sector contributes around 10% to the country’s GDP. With the Indian government looking to spend billions of dollars more on developing infrastructure, the growth of the Indian Real Estate Sector is not stopping. Investment in the real estate sector is one of the safest options for investment for an NRI in India.

However, a shift is being seen in NRI investments in India. The NRIs now prefer investment in financial assets to physical assets. We at Ashutosh Financial Services also believe that an NRI should prefer investing in Finance Assets over Physical Assets to get the maximum returns on their investments. Below are the reasons why an NRI should choose Financial Assets (Mutual Funds, Portfolio Management Services, Fixed Deposits, etc.) Over Physical Assets (Land, Residential Property, Commercial Property): 

  1. Liquidity: Physical assets like land, residential or commercial property are generally considered ill-liquid assets. On the other hand, financial assets like mutual funds, portfolio management services, and fixed deposits are easily sellable at the click of a button. Another key difference is that to sell land; an NRI must find a buyer, agree to a specific price and then recieve the sale proceeds. On the other hand, in financial assets like mutual funds or fixed deposits, an NRI can receive the entire funds back in their bank account in a week. Further, there is also a lot of unaccounted money involved in transacting in real estate which can become cumbersome for an NRI to manage.
  2. Returns: Everyone knows that the long-term returns of financial instruments like mutual funds and portfolio management services will outperform the returns of physical assets like land, residential property, commercial property, etc. The case of India is no different in this regard. The returns of Indian financial assets have consistently beaten the returns of physical assets over the last three decades.
  3. Management of Assets: Physical assets demand resources for management, upkeep, and security to maintain an asset properly. On the other hand, modern financial assets are professionally managed and require no time or resource devotion from you. Managing physical assets is time and money-consuming, whereas financial assets do not need either. 
  4. Correlation To Economic Growth: The Returns of physical assets decreases when the economy grows. It happens because when the economy grows, infrastructure grows too, and people tend to live in distant locations with the growth of infrastructure. Distant locations are areas that are away from the center of the city. As people shift to distant locations, there is a significant increase in the supply of real estate, which reduces the returns on a real estate investment. However, the returns of financial assets are in line with economic growth. The returns from financial assets rise with broader economic growth. The higher the economic growth, the higher the returns from the financial assets.
  5. Next Generation: The next generation NRIs are not intending to relocate to India or visit India frequently. Moreover, since NRIs do not intend to use the property, it does not make much sense for them to own real estate assets. Moreover, visiting India to manage the assets can also be a challenging task for them. 

Types of Properties an NRI can buy in India:

NRIs can buy property in India as long as they comply with the FEMA and RBI guidelines. There are no restrictions on the number of properties an NRI can buy in India. There are various types of properties that an NRI can buy in India. An NRI can buy any residential or commercial property in India. However, an NRI cannot purchase any agricultural land, farmhouse, or plantation property in India. 
The RBI releases various directives from time to time on the properties an NRI can buy in India. These directives help the NRIs abide by the laws while buying properties in India. .As per the directives, NRIs cannot engage in real estate business in India, i.e. dealing in regular buying and selling of land within short intervals in greater volumes. It is important to note that an NRI need not disclose to the RBI all the properties they purchased in India. in India. These directives help the NRIs abide by the laws while buying properties in India. .As per the directives, NRIs cannot engage in real estate business in India, i.e. dealing in regular buying and selling of land within short intervals in greater volumes. It is important to note that an NRI need not disclose to the RBI all the properties they purchased in India.

How Can an NRI Buy & Sell Properties In India?

An NRI can buy residential and commercial properties in India without any restrictions. NRIs can pay either through standard banking channels by remittance from a foreign bank account or use their NRE/NRO account balances. NRIs cannot pay for properties using traveller’s cheques or foreign currency in India. Many NRIs are investing in the Indian property markets due to the depreciating rupee. A depreciating rupee would enable the NRIs to generate abnormal returns due to exchange rate fluctuations.

It is advisable for NRIs to buy properties in India either through remittances from abroad or through an NRE account. This would enable an NRI to easily repatriate the sale proceeds of the property outside India after paying appropriate taxes. However, in the case of residential house properties, the repatriation of funds is restricted to the sale of a maximum of two properties. Repatriation beyond that will have to be done under the 1 million US dollar repatriation scheme of RBI.

Documents Needed By The NRIs To Buy Property In India:

An NRI can buy property in India by using the following documents: 

  1. Passport or OCI Card
  2. Pan Card
  3. Power Of Attorney (In case the NRI is unable to come to India to complete the purchase)
  4. Utility Bills (For proof of current residence) 
  5. Passport Size Photo. 

Can an NRI Buy Property In India Without Coming To India?

Yes, an NRI can buy property in India without coming to India through a Power Of Attorney (POA). An NRI can give their friends or relatives a POA to complete the purchasing process in India. An NRI can create a custom POA to give specific rights to the representative buying property on their behalf. A POA would ensure that an NRI can buy a property in India without coming to India. 

How Can We Help You?

At Ashutosh Financial Services Private Limited, we have assisted the NRIs with their real estate requirements for over 20 years. We also support the NRIs in relevant tax compliance and procedural compliance relating to property buying in India. Our team specializes in creating Power Of Attorney (POA) for NRIs. 
We thoroughly discuss with the NRIs their requirements for buying property in India. After this, we inform the NRIs regarding the procedures and compliance they must adhere to. We also discuss with NRIs how they should route their funds and which bank accounts they should use to get the maximum benefit. Our team would additionally suggest the NRIs various ways in which they can save tax while buying property in India. 
We also help the NRIs draft a Power Of Attorney (POA). Our team would discuss with the NRIs the power they wish to give their representative. Our team also helps the NRIs in both drafting and notarizing the POA. We will also assist the NRIs in drafting the POA, keeping in mind their objectives.
Apart from providing the above-mentioned financial services to the NRIs, we also offer NRI Banking, NRI Investment, NRI Insurance, NRI Income Tax & Foreign Tax Compliance Services. We are a one-stop professional financial services provider company. We aim to provide the NRIs with quality financial services for all their Investment needs.
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NRI Services

NRI Investment Options in India-Fixed Income Options.

India is uniquely placed in today’s geo-political environment. With the highest number of young people, a robust startup ecosystem, and a proactive government willing to provide all the opportunities, India is finally unlocking its growth story. India is uniquely poised to grow in an environment wherein the other major economies of the world are starring at a slowdown. On top of this, the government has launched several measures that would transform the Indian economy into a behemoth. All the above factors make India the most attractive NRI Investment option. However, the key problem lies in the fact that there are multiple NRI Investment Options in India for the NRI.

NRI Investment Options in India can be divided into 1) NRI Investment Options in India – Equity Oriented Instruments & 2) NRI Investment Options in India – Fixed Income Instruments. As India is still a developing country, various fixed-income instruments are available for an NRIs investment. A lot of NRIs generally invest in Indian for the sole purpose of earning stable and secure returns. The below-mentioned fixed-income instruments offer fixed & guaranteed returns on the NRI’s investment. The prospect of fixed and guaranteed returns offers the NRIs better insight regarding their future plans.

 

Here are a few fixed NRI Investment Options in India:

1) Corporate Fixed Deposits

An NRI can invest in corporate fixed deposits to get assured/guaranteed returns. In India, banks and non-banking financial companies can issue fixed deposits. The fixed deposits issued by banks are called fixed deposits, whereas the fixed deposits issued by NBFCs are called corporate fixed deposits. An NRI has to invest a lumpsum into a corporate fixed. At the time of investing, based on the interest rate of the fixed deposits, the NRI can easily calculate the amount he will receive at maturity.
Corporate Fixed Deposits are issued by giant corporations with a stable financial background. These companies have played a vital role in India’s growth since its independence. At Ashutosh Financial Services, we suggest corporate fixed deposits of companies like Bajaj Finance, Mahindra Finance, HDFC, etc. These are giant companies with very stable financial backgrounds. These companies have consistently given fixed returns on all their deposits over the last decade.

2) Guaranteed Returns Insurance Plans

The most appealing fixed-income investment option for NRIs in India is a Guaranteed Returns Insurance Plan. As an NRI Investment Option in India, the Guaranteed Returns Insurance plan offers the NRI the dual benefit of investment & insurance. In this plan, an NRI has to invest or pay the premium for a certain number of years, after which the NRI gets a fixed/guaranteed return. The return of a guaranteed return insurance plan is entirely tax-free, making it one of the most attractive NRI investment options in India.

We all know that life is uncertain, and investment is paramount to a stable life. A Guaranteed Returns Insurance Plan helps the NRI satisfy the above requirements. As an NRI Investment Option in India, it offers the NRI complete safety as the return is guaranteed and carries an insurance cover for any unforeseen contingency.

3) Fixed Maturity Plans

Another fixed-income NRI investment option in India is – The fixed Maturity Plan. As the name suggests, a fixed maturity plan offers an NRI a fixed sum of money on maturity. Generally, in this type of plan, the maturity amount is pre-fixed at the time of investment. In this plan, an NRI has to pay the premium (investment) for a fixed number of years and receive a fixed amount on maturity.
The corpus received by the NRI on maturity is entirely tax-free. Moreover, since the maturity amount is fixed at the time of investment, the NRI will get a fixed return in the long term regardless of economic fluctuations.

4) Pension Plan

A pension plan is a type of plan that offers an NRI fixed long-term income post-retirement. As an NRI Investment option in India, it secures the NRI’s future and assists the NRI with any post-retirement contingencies. A pension plan can be specially curated to offer various monthly & lumpsum payments to ensure that an NRI has an independent life.
As an NRI investment Option in India, an adequately set pension plan is a must if an NRI is looking to settle/retire in India. A pension plan provides a guaranteed sum of money as per the agreement made while investing. Since it offers guaranteed returns, the NRI can have a stable and secure retired life without any worries.

How Can We Help You?

Ashutosh Financial Services has been serving the needs and requirements of the NRIs for over 20 years. We are a professional financial company that provides a wide range of NRI Services. Our aim is to simplify the NRI investment process and provide quality & unbiased advice to the NRIs. We have separate departments for providing different NRI services to the NRIs. Our team consists of qualified professionals who have years of experience of handling NRI Investments.

At Ashutosh Financial Services we offer the NRIs a variety of options relating to fixed-income instruments. We also suggest the NRIs legal ways to save taxes both pre & post investment. Ashutosh Financial Services has a presence in India’s key financial cities like Mumbai, Ahmedabad, and Rajkot. We have state-of-the-art offices in all these 3 cities. We also have a robust digital infrastructure for online services. 

As a financial services provider company, we provide a wide array of NRI services like NRI Investment, NRI Insurance, NRI Income Tax Compliance, and NRI Foreign Tax Compliance services. We keep ourselves updated with all the recent updates on the rules and regulations regarding NRI Investment Options in India. We follow a process driven approach to provide quality services to the NRIs.

Below are the key USPs that make us one of the best NRI services provider in India:
1) Dedicated Relationship Manager: At Ashutosh Financial Services, we assign you a dedicated relationship manager right from our first meeting. The said relationship manager will assist you throughout your process of investing. The relationship manager would be your one-point contact for your current and future needs with Ashutosh Financial Services. Even after completing the investment process, the relationship manager will be available for all your future investment needs.
2) Dedicated & In-House Research & Analysis Department: Another key feature that enables us to provide efficient and quality NRI services is our dedicated in-house research and analysis department. Helmed by qualified and professional members, it tracks the performance of all the NRI Investment Options in India. The research & analysis team, based on the information provided about you, will carefully select the best investment scheme for your investment.

Our Simplified & Efficient Process For Your Investment is as under:

1) Preliminary Discussion: It is the most important part of the process. In this, we will have a detailed discussion with you regarding your investment objectives, expected returns, duration of investment, etc. We also collect your basic details to work up your risk profile.

2) Risk Profiling: Risk profiling is the process through which we assess how much risk you should ideally take to achieve your investment objectives. Risk profiling enables us to pick the right investment option based on your expectations while keeping your investments as risk-free as possible.

3) Research & Analysis: Based on the data collected after preliminary discussion and risk profiling, the research and analysis department will pick the right investment scheme for you. The research & analysis team will compare various schemes and pick the best one for your investment.
4) Investment Process: Once the schemes are finalized, we will approach you again with the necessary investment documents and a detailed plan for achieving your investment goals. We will also discuss the taxation aspect of your investment.

We are a one-stop financial services provider. As an ISO-certified company, we adhere to the highest standards of professionalism in our service. At Ashutosh Financial Services, we assure you that we will provide you quality and unbiased advice for all your investments. 

Categories
NRI Services

Can NRI Invest in Mutual Funds?

Yes, an NRI can invest in mutual funds in India as long as the NRI adheres to the rules of the Foreign Exchange Management Act (FEMA). India is slowly and steadily unlocking its growth story and, in the process, creating a vast amount of wealth for all the investors investing in its growth story. India is one of the fastest-growing economies in the world. The Indian stock market is also one of the best-performing markets in the world.
India has been a constant recipient of massive FDI & FII inflows. A majority of these inflows get directly invested in Mutual Funds. Mutual Funds are one of India’s most sought out investment options for NRIs in India. Many NRIs invest in mutual funds due to their easy and simplified investment and redemption process.

How Can NRI Invest in Mutual Funds?

An NRI can invest in mutual funds. However, it is not as simple as it is for a resident Indian. There are only a few ways through which an NRI can invest in mutual funds. Below is the process of how an NRI can invest in mutual funds:

Step 1 - NRI Bank Accounts

An NRI needs to have an NRI bank account to invest in mutual funds in India. An NRI can open an NRE/NRO account with any Indian bank to do banking transactions in India. An NRE account is advisable for an NRI since it is convenient to transfer their foreign income back and forth from India. 

Step 2 - Get Your KYC Done

KYC stands for Know Your Consumer. The KYC is a form SEBI introduced for establishing customer identity, customer activities, and customer’s source of funds. SEBI purposefully designed the KYC standards to protect the financial institutions from fraud, corruption, and money laundering. 
An NRI can submit the following documents to complete their KYC process:
  1. Overseas Address Proof
  2. Indian Address Proof
  3. A Copy of The Passport
  4. Recent Photograph
  5. A Copy of The Pancard
  6. Bank Statement

Step 3 - Investment Procedure

An NRI can invest in mutual funds through a professional financial services company. An NRI can invest in mutual funds through offline and online channels. The offline method includes filling in forms and cheques, whereas the online method includes investing through net banking. 
An NRI can also invest in mutual funds by assigning a Power Of Attorney (POA) to another person. In cases where the NRI has issued a power of attorney (POA) to another individual, the said individual can invest in mutual funds on behalf of the NRI.

Why Should An NRI Invest In Mutual Funds?

Professionally Managed Funds: Mutual Funds are professionally managed, which frees the NRIs from the tedious task of stock research and analysis. Moreover, the transparency of a mutual fund scheme ensures that the NRI knows all about his investment. 

Multiple Schemes: There are various types of mutual funds – Equity, Debt, Hybrid, etc. Each type of mutual fund has its advantages and disadvantages. An NRI can choose the kind of mutual fund to invest in based on his objectives. 

Diversification Of Risk: Investing in mutual funds enables the NRIs to diversify the investment basket/portfolio. An NRI could have invested in various financial instruments in India and investing in mutual funds would diversify the NRIs overall investment portfolio.

Mutual Fund Taxation For NRIs:

As discussed earlier, NRIs can invest in mutual funds. Hence the NRIs also need to comply with the necessary taxation requirements. The NRI needs to be aware of two types of taxes – Short Term Capital Gain Tax (STCG) & Long Term Capital Gain Tax (LTCG). STCG is applicable when an NRI purchases and redeems mutual funds within one year. LTCG is applicable when an NRI redeems the mutual funds after the completion of 1 year of purchase. 
For Equity Oriented funds, the STCG tax rate is 15%, (holding period less than 1 year) whereas the LTCG tax rate is 10% without indexation benefits. For Debt Oriented funds (holding period less than 3 years), the STCG is as per the NRIs income tax slab, whereas the LTCG tax rate is 10% without indexation benefits. 
Moreover, India has entered into the DTAA (Double Tax Avoidance Agreement) with more than 90 Countries. DTAA agreement ensures that the same income cannot be taxed in 2 countries. As per this agreement, the NRI has to pay tax on the gains made on mutual funds in India only and not in the NRIs country of residence. Most NRIs can take benefit of India’s DTAA agreement with the country of their residence and invest freely in India.

How Can We Help You?

Ashutosh Financial Services Private Limited is a professional NRI services provider company. We have been assisting and serving the needs and requirements of the NRIs for over 20 years. We have happily served over 500+ NRIs with their various needs and requirements for investing in India over the last 20+ years.

NRI investments are a complicated matter as an NRI needs to adhere to various rules of the Foreign Exchange Management Act (FEMA), Income Tax, Reserve Bank Of India (RBI), etc. An NRI must comply with all the rules of various institutions to avoid unnecessary troubles.

Through our years of experience, we at Ashutosh Financial Services have created many custom processes. We have designed them specifically to simplify the entire process of NRI investments. At Ashutosh Financial Services, we have a team of experienced employees who are well-versed in an NRI investment’s intricacies.

At Ashutosh Financial Services, we follow a process-driven approach to cater to an NRI’s needs. The steps of the process are as under:
  • Preliminary Discussion: Thorough Discussion about the NRI’s objectives, needs, and requirements. We also discuss the taxation part of the investment.
  • Risk Profiling: Based on our preliminary discussion, we determine the maximum level of risk an NRI should take to attain his objectives & goals.
  • Research & Analysis: We do in-depth research and analysis of the schemes and plans where the investment needs to be made to attain the NRIs objectives. We boast of an in-house research & analysis department
  • Investment Process: After all the necessary analysis, we approach the NRI again with a detailed plan/outline of how the investment needs to be done and how the investment objectives will be attained.
  • Dedicated Relationship Manager: Every investor has a dedicated relationship manager at Ashutosh Financial Services. In the same way, an NRI investor would also have a dedicated relationship manager, who shall be the one-point contact for the NRIs future needs. The relationship manager will be available to assist the NRI with all their requirements.

Ashutosh Financial Services is a one-stop financial services provider. At Ashutosh Financial Services, we believe in providing quality and unbiased financial services to the NRIs.

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NRI Services

NRI Investment Options in India – Equity Instruments.

Everyone is aware that India will unleash its growth story and, in the process, create a vast amount of wealth for all investors. However, the real problem is deciding where to invest in India. As an NRI, you would be unaware of all the rules and regulations relating to investing in India. Moreover, there are a lot of NRI Investment Options In India for the NRIs. However, an NRI needs to know all the advantages and disadvantages of every NRI Investment Options In India before selecting one.

The Indian economy is one of the fastest-growing economies in the world and will continue to be the same over the next decade at least. Naturally, such impending growth would create loads of wealth for anyone who invests in India’s growth story. India continues to be the global bright spot for smart investments. Naturally, this makes India the perfect place for NRIs to invest their money. Moreover, India is also the preferred investment destination for the NRIs due to its motherland appeal.

The Best NRI Investment Options In India - Equity Oriented Instruments.

1) Mutual Funds

Mutual Funds are one of the most stable and safe investment options for NRIs in India. Mutual funds are one of the most preferred NRI investment options in India for NRIs. Various types of mutual funds are available for the NRI to invest in. An NRI can choose from Equity, Debt, Hybrid, or Solution Oriented Mutual Funds based on their objective and risk appetite. 

Qualified individuals professionally manage Mutual Funds. The allocation in a mutual fund is done after thorough research & analysis. Moreover, the investment in a mutual fund depends on the nature of the underlying scheme/fund’s objective. The information regarding mutual fund investment is readily available to investors to ensure greater transparency. 

2) Portfolio Management Services

Another preferred investment option for the NRIs in India is Portfolio Management Services (PMS). PMS is the ideal investment option for NRIs who prefer investing directly in stocks. A team of professional individuals with years of experience handle a PMS. PMS invests directly in stocks after thorough research and analysis. 

There are various types of Portfolio Management Services, and an NRI can choose one according to his investment objectives and risk-taking abilities. PMS is one of the ideal NRI Investment Options In India as the NRI has to invest the money and let the professional fund managers do their job.

NRI Investment Options In India - Alternate Equity-Oriented Instruments

1) Unlisted Shares

We all know India is unlocking its growth story. Similarly, there are a lot of companies in India that are yet to unlock their true potential. The startup age has brought about a lot of disruptive companies that can revolutionalize entire industries in the future. The recent frenzy in the stock markets has brought out a new NRI Investment Option In India for the NRIs – Unlisted Shares. 

Unlisted shares are equity shares that are not traded on the secondary market, that is, the stock exchanges. The unlisted shares have caught the eye of the NRIs due to the prospect of generating enormous returns. However, not all unlisted companies generate enormous returns. An NRI must do all the due diligence before investing in unlisted shares or hire a financial service provider like Ashutosh Financial Services to assist them in investing in unlisted shares.

2) Foreign Equity

As an NRI, you would know that the world’s biggest and most famous companies, like Apple, Amazon, Google, etc., are from the US markets. The US market is the world’s biggest stock market in terms of market capitalization. These companies have consistently generated good returns for all their investors. They are also among the world’s biggest wealth creator companies. However, most of the NRI investors would not have invested in these companies due to the lack of knowledge of how to invest in them or due to the price of the share of these companies. 

To solve this problem, we at Ashutosh Financial Services have created a custom product – Foreign Equity. We have created many custom portfolios of US Listed Companies in this product. Each of these portfolios has an underlying theme, and all the investments are done into companies according to the underlying theme. 

How We Help You?

Ashutosh Financial Services is a professionally managed, ISO-certified financial services provider that has assisted the NRIs in their various requirements for over 20 years. We have a team of qualified and experienced individuals who are well-versed in handling the intricacies of an NRI investment. In our bid to provide quality and efficient NRI Services, we have separate departments for all our services. 

We have our presence in 3 key cities(Mumbai, Ahmedabad, and Rajkot). We have a state-of-the-art digital and physical infrastructure. Our robust infrastructure enables us to provide offline and online service/support to the NRI for their investments. All our separate departments are helmed by dynamic individuals with years of experience handling NRI investments. 
We follow a process-driven approach that is carefully curated to ensure that all the aspects of an NRI investment are taken care of. Our process starts with- 

1) Thorough Discussion: To understand your investment objectives and risk appetite. It also enables us to collect all your basic details and prepare your risk profile.  

2) Risk Profiling: Based on the investment horizon and objectives, we try to ascertain the maximum risk you should take to achieve your investment objectives. 

3) Research & Analysis: We select the best scheme for fulfilling your investment objectives based on all the data collected. It involves comparing all the available options and choosing the best one for your investment. 

4) Investing: Once the final schemes are locked, we will approach you again with all the necessary documents and a detailed plan of how your investment objectives will be achieved. Moreover, we will also discuss the taxation part of your investment. 

Our Key USPs are:

1) Dedicated Relationship Manager: At Ashutosh Financial Services, we assign an individual to assist you in your investment process. The relationship manager would also assist you with all your future requirements. The said individual will always be available to assist you in any way you need. 

2) Dedicated Research & Analysis Department: A specialized department that tracks the performance of all the NRI Investment options in India. It is helmed by qualified and professional individuals with years of experience in handling NRI Investments. This department gives us an edge and enables us to provide you with the best investment scheme for your objectives.  

3) Periodical Review Of Investments: At Ashutosh Financial Services, we undertake a periodical review of your investments. We take up this activity to ensure that if the schemes perform differently from the expectations, we can change and replace them at the earliest to achieve your investment goals. 

At Ashutosh Financial Services, we assure you that we will provide you with the best quality and unbiased advisory services for your investment.