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, tax efficiency, payment routing — answered in the plain language we use during discovery calls.
Regulatory baseline
FEMA — what an NRI can own.
Under the Foreign Exchange Management Act (FEMA), an NRI can own residential and commercial property in India without restriction, except for agricultural land, farmhouses, and plantation property. The branded resort residences Fine Acers builds fall comfortably inside the allowed categories.
- Residential and commercial — fully permitted.
- Agricultural land / farmhouse / plantation — not permitted for NRIs.
- Number of properties — no cap on residential / commercial.
How money moves
Payment routing for NRI buyers.
Through an NRE / NRO account
Most buyers route purchase funds through an NRE (Non-Resident External) account — fully repatriable. Some prefer NRO (Non-Resident Ordinary) for tax-efficiency reasons; the right choice depends on your home-country tax residency.
Out of India later
Rental income flows to an NRO account by default and is repatriable up to certain annual limits under FEMA. Capital proceeds on resale follow standard repatriation rules. Bank-level documentation is straightforward; we manage the legal layer with our advisors.
Tax treatment
Tax — India and home country.
India side
Rental income from Indian property is taxable in India regardless of investor residency. Standard deductions apply (municipal tax, 30% standard deduction, interest on borrowed capital). TDS at applicable NRI rate on rental income unless a lower certificate is obtained.
Home country
Most jurisdictions (UAE, Singapore, UK, Australia) have a double-taxation avoidance agreement (DTAA) with India. India-paid tax is creditable against home- country tax on the same income. Net effective rate is usually lower than headline.
Common questions
NRI investor FAQ.
Do I need a power of attorney to buy a property in India remotely?
Yes — either an attested power of attorney granted to a local representative, or personal travel for signing. Fine Acers can recommend trusted legal counsel for the POA drafting + attestation in your country of residence.
Can I take a home loan in India for an NRI purchase?
Yes. Indian banks lend to NRIs for residential property purchases. Loan-to-value ratios and rates are competitive. Repayments must originate from NRE / NRO funds or through inward remittance.
What if I sell the property after a few years?
Standard property capital gains rules apply. Long-term capital gains (held > 2 years) are taxed at 20% with indexation benefit. Repatriation of sale proceeds follows FEMA repatriation rules; an authorised dealer bank handles the paperwork.
How do the "assured returns" work for tax purposes?
Assured returns from Fine Acers are treated as rental income from the residential property, taxable as such in India. Standard deductions apply. We provide a complete tax-ready breakdown each financial year.
Take the next step
NRI investor brief.
A custom brief covering the specific FEMA, tax, and repatriation framing for your country of residence, sent by an NRI-experienced advisor in approximately 60 seconds.