NRI Investment Options in India-Fixed Income Options.

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. 

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