For non-resident buyers
Buying in India from the UAE, Singapore, the UK or Australia.
Non-resident Indians and OCI cardholders may generally buy residential and commercial property in India under FEMA; agricultural land, farmhouses and plantation property are restricted. Fine Acers confirms eligibility per project, payments route through NRE or NRO accounts, and Indian tax applies to Indian income. As of October 2026.
A working primer for NRI and OCI buyers: FEMA, repatriation and payment routing in the plain language we use on calls. It is orientation, not advice; your bank and adviser confirm your own position.
Regulatory baseline
FEMA: what a non-resident can own.
NRIs and OCI cardholders 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 product type.
- Resort units. Residential units inside a branded resort; each project page states its eligibility position.
- Farm villas and plots. Product-specific; the project page states where legal confirmation is pending, and the desk confirms before any booking.
- Foreign nationals without OCI. Generally cannot purchase immovable property in India; the exceptions are narrow.
Eligibility by project
- KAMAH Wellness Resort, JawaiNRI purchase confirmed
- KAMAH Wellness Resort, CoorgNRI purchase confirmed
- Wyndham Grand JaipurNRI purchase confirmed
- Dolce UdaipurNRI purchase confirmed
- Dolce GoaNRI purchase confirmed
- AME AshwemNRI purchase confirmed
- KAMAH Wellness Farm Villas, GoaConfirmation pending
- KAMAH Wellness Farm Villas, JawaiConfirmation pending
- Paliem PlotsConfirmation pending
How money moves
Payment routing for non-resident buyers.
From your country
Inward remittance in foreign currency through standard banking channels. Funds land in India in rupees at the prevailing rate.
Through an NRE or NRO account
An NRE account holds overseas earnings and is generally repatriable; an NRO account holds India-arising income. The right route depends on the source of funds, your residency and your bank.
Out of India later
Income is generally credited to an NRO account and may be repatriated subject to FEMA limits and documentation. Sale proceeds follow the repatriation rules prevailing at the time; your authorised-dealer bank sets the paperwork.
Tax, in outline
India side
Income from Indian property is taxable in India regardless of where you live, with tax deducted at source at the applicable non-resident rate. On purchase, state stamp duty and registration charges apply. On sale, capital gains tax applies at the rate and with the indexation rules in force in the year of sale.
Your country of residence
Your home country applies its own rules. Some levy no personal income tax; others tax worldwide income but may credit the Indian tax under their double-taxation agreement with India. Fine Acers does not give tax advice; your adviser confirms your personal position, and we provide the documentation trail your accountant needs at both ends.
FEMA, payment routing and tax, in outline
Non-resident buyers: the questions we hear most.
Can NRIs and OCI cardholders buy?
Generally yes. Under FEMA, NRIs and OCI cardholders may acquire residential and commercial property in India, subject to the property’s legal classification; agricultural land, plantation property and farmhouses are restricted. Eligibility is confirmed separately for each project and product type, and each project page states where that confirmation is pending.
Should I pay from an NRE account, an NRO account, or remit directly?
All three routes are used under FEMA. Principal routed through an NRE account or by direct inward remittance generally remains repatriable; NRO funds may be used with repatriation subject to the prevailing ceiling. The right choice depends on where the money sits and on your home-country position: your bank and tax adviser confirm it.
Can I repatriate income and sale proceeds?
Income from Indian property 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 authorised-dealer bank sets out the documentation it requires; independent advice is recommended.
How is the income taxed?
Income from property in India is taxable in India, with tax deducted at source at the applicable non-resident rate. Your country of residence then applies its own rules, which may credit the Indian tax under a double-taxation agreement. Your adviser confirms your personal position; Fine Acers does not give tax advice.
Can I complete the purchase from abroad?
Yes. KYC completes remotely, payments move through normal banking channels, and signing is handled on a visit or through an attested power of attorney prepared in your country of residence. Fine Acers has contact points in Dubai, Singapore, London and Sydney alongside the India offices.
Your corridor
An office in your time zone.
- From the UAE and the GulfDubai, Office 2018, Park Lane, Business Bay · +971 50 346 0478
- From Singapore and Asia-PacificSingapore, Fine Acers International Pte. Ltd., 60 Paya Lebar Road, #06-28 Paya Lebar Square, Singapore 409051 · +65 8801 0844
- From the United Kingdom and EuropeLondon, 214 High Street · +44 7466 456685
- From Australia and New ZealandSydney, Glenmore Park · +61 414 801 634
Signing can be handled on a visit or through an attested power of attorney prepared in your country; KYC completes remotely.
Ask for the non-resident brief.
FEMA, routing and the tax outline for your country of residence, in writing, from an advisor who works that corridor.
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