From your country
Inward remittance in foreign currency through standard banking channels — UAE AED, Singapore SGD, UK GBP, Australia AUD all supported. Funds land in India in INR at the prevailing rate.
For NRI investors
Investing in India from the UAE, Singapore, UK, or Australia.
A working primer for non-resident investors buying branded residences with Fine Acers. FEMA, repatriation, payment routing — answered in the plain language we use during discovery calls.
Reviewed by CA Abhishek Sharma, Chartered Accountant — 24 July 2026.
Regulatory baseline
FEMA — what an NRI can own.
NRIs may generally acquire residential and commercial immovable property in India, subject to the property's legal classification and prevailing FEMA requirements. Agricultural land, farmhouses, and plantation property are restricted. Fine Acers confirms eligibility separately for each project and asset type.
- Residential and commercial — generally permitted, subject to the property's legal classification.
- Agricultural land / farmhouse / plantation — restricted for NRIs.
- Number of properties — FEMA sets no general cap for residential / commercial.
Individual project pages identify any product-specific restrictions or pending legal confirmations.
How money moves
Payment routing for NRI buyers.
Through an NRE / NRO account
An NRE (Non-Resident External) account holds overseas earnings and offers full repatriability; an NRO (Non-Resident Ordinary) account holds India-arising income. The right route depends on the source of your funds, your residency, your bank, and professional advice.
Out of India later
Rental income is generally credited to an NRO account and may be repatriated subject to FEMA limits and documentation. Capital proceeds on resale follow the repatriation rules prevailing at the time. Your bank sets out the documentation it requires; independent legal advice is recommended.
Tax treatment
Tax — India and home country.
India side
Rental income from Indian property is taxable in India regardless of investor residency. Deductions such as municipal taxes, the standard deduction, and interest on borrowed capital may apply depending on your circumstances. TDS applies at the prevailing NRI rate unless a lower-rate certificate is obtained.
Home country
Most jurisdictions (UAE, Singapore, UK, Australia) have a double-taxation avoidance agreement (DTAA) with India. India-paid tax may be creditable against home-country tax on the same income, depending on the applicable treaty and your residency position.
Common questions
NRI investor FAQ.
Do I need a power of attorney to buy a property in India remotely?
A power of attorney may be used when completing remotely; it may not be required where you attend and execute personally. Whether one is needed depends on the transaction and the documentation involved. Fine Acers can recommend legal counsel for POA drafting and attestation in your country of residence.
Can I take a home loan in India for an NRI purchase?
Financing availability depends on the project's legal classification, lender policy, investor profile, and property documentation. We can provide project documents for your preferred lender's review.
What if I sell the property after a few years?
Capital-gains treatment depends on acquisition date, residency status, and prevailing Indian tax law — confirm specifics with your tax advisor; we cover this in your private briefing. Repatriation of sale proceeds follows FEMA repatriation rules; an authorised dealer bank handles the paperwork.
How do the "assured returns" work for tax purposes?
The tax treatment of returns under a specific agreement depends on the structure of that agreement and your circumstances — take independent tax advice for your position; we cover this in your private briefing.
Take the next step
NRI investor brief.
A custom brief covering the specific FEMA, tax, and repatriation framing for your country of residence — receive it by email and WhatsApp from an NRI-experienced advisor.