NRI Investment and Taxation Advisory

NRI Investment Plans

India has become one of the most important and fastest-growing economies globally. Therefore, it provides plenty of investment opportunities for the resident Indians and the NRIs. The Indian market is known for its diverse investment options such as equities, mutual funds, fixed deposits, and debt funds, and many more options that offers a promising avenue for wealth creation. NRI's can easily invest just by following guidelines set by the Reserve Bank of India (RBI) and the Securities and Exchange Board of India (SEBI) under the Foreign Exchange Management Act (FEMA). There are a lot of NRI investment options in India.

As an NRI you can invest in a wide range of assets in India, including equities, fixed income investments, mutual funds, Fixed Deposits (FDs), real estate, gold investments, Alternative Investment Funds (AIFs), and government backed securities. NRIs can diversify their investment portfolio to align with their risk tolerance and financial objectives.

Why Investing in India is Best Option?

Stonge Economic Growth

According to World Bank data, the key economic indicators, such as the GDP, inflation rate, etc., have proven to be better in the last few years. Having established such strong fundamentals is a boost to the Indian economy.

Streamlined markets and Regulated Processes-

The Government has taken several measures to streamline the financial markets and the related processes to make the investment procedures simple, hassle-free and less time-consuming.

Technological Advancement, increased awareness about Financial Investments

Favorable Demographics

India is considered to have one of the youngest populations in the world, with an average age of 29. The young population with fewer family financial commitments will have a higher disposable income. Therefore, they are highly likely to spend on their needs and wants, making them active customers for a wide range of retail businesses. It will increase the revenue for the companies and their corresponding stock prices.

Wide range of investment options.

GIFT City Investment Options-New Investment Avenue for NRI'S

We are empaneled with many AMCs for products related to GIFT City. Gift City funds are mutual funds launched by AMCs in the Gift City. They operate under the regulations of International Financial Services Centre Authority (IFSCA). Gift City funds are denominated in multiple currencies, allowing NRIs and OCIs from different parts of the world to invest in them without any hassle.

GIFT CITY-

Gujarat International Finance Tec-City also called GIFT City, is a central business district under construction in the Gandhinagar district as suburb city of Ahmedabad in Ahmedabad Metropolitan Region in Gujarat, India. It is India's first operational greenfield smart city and international financial services center, which the Government of Gujarat promoted as a greenfield project. In 2020 GIFT IFSC bagged 10th place in Finance Industry and top rank in emerging financial centers in the Index

Core Purpose:

Designed to be India's first operational smart city and international financial services center (IFSC)
Aims to compete with global financial hubs like Singapore, Dubai, and London

Investment Opportunities in Gift City for NRIs

The Gift City offers several investment opportunities for NRIs and OCIs as listed below.

Alternative Investment Funds (AIFs): AIFs set up in the Gift City offer exposure to several asset classes, including equities, debt securities, private equity, real estate and venture capital investments.

The minimum investment for an AIF is USD 150,000.
Real Estate Investment Trust (REIT): The Gift City IFSC exchange has listed REITs, which gives easy access to the Indian real estate market at a low cost.
Offshore banking and deposits: Banks and financial institutions established in the Gift City offer offshore banking deposits and foreign currency term deposits. NRIs can invest in them in various currencies and earn competitive interest rates.
Global Bonds and equities: Through the Gift City IFSC exchange, NRIs and OCIs can get access to global bonds and equities.

Benefits Of Investing in Gift City for NRIs

Hassel free investment: Gift City funds are denominated in major global currencies, allowing you to invest in them with ease. Also invested funds can be repatriated fully.
Diversified Investments: Gift City Funds invest in global securities across multiple currencies also offer the right amount of diversification hedging the risk in the portfolio.
Tax benefits: Gift City funds offer significant tax benefits, including exemptions and incentives, which can enhance investment returns as they operate in tax-friendly jurisdictions. Interest income earned from money lent out to IFSC units is completely tax-free. There will be no additional indirect taxes like GST, securities transaction tax, commodities transaction tax, and stamp duty for transactions done on IFSC exchanges
Investor protection: FSCA serves as the unified regulator for the International Financial Services Centre (IFSC) at GIFT City. Gift City funds operate under international financial standards. Hence, they ensure strong investor protection metrics are in place.
Professional management: These funds are managed by experienced fund managers who possess the knowledge and expertise to select securities for the portfolio.

As a conclusion, Gift City funds are a compelling investment opportunity for NRIs and OCIs which help to diversify portfolio and maximize returns. However, it is important to consider the inherent risks involved in investing, goals of investing and tax implications before investing in them.

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