NRI Explains : Important things to do as an NRI | NRE vs NRO | Demat | Investments | Taxes
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- Опубликовано: 13 апр 2025
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Who is an NRI?
As per Income tax act, to determine whether you're a resident or non-resident in India for a financial year:
Stayed in India for 182 days or more during the financial year, OR
Stayed in India for 60 days during the financial year and 365 days in the preceding 4 years.
Exceptions to the 60-day rule include being an Indian citizen working abroad or visiting India as a PIO or Indian citizen. In such cases, you're considered a resident if you've stayed in India for 182 days or more. If you don't meet any of these conditions, you're a non-resident.
Banking
NRE Account: For parking foreign earnings in India. Funds fully repatriable, tax-free interest.
NRO Account: For managing Indian income. Repatriation subject to restrictions, taxable interest.
FCNR Account: For depositing foreign currencies. Fully repatriable, tax-free interest.
Demat
NRI Demat Account with PIS:
For NRIs investing with the intention of repatriating funds.
Requires a designated PIS bank account.
Transactions subject to RBI limits and approval.
NRI Demat Account without PIS:
For NRIs investing without the intention of repatriation.
No need for a separate PIS bank account.
Investments and earnings remain non-repatriable.
Insurance
Can NRIs obtain insurance in India?
Yes, they can.
2. Who is eligible?
Temporary NRIs, OCI holders, and PIOs.
3. Why should they consider insurance in India?
Protection against income loss for their families
Coverage for outstanding loans or debts
Cost-effective plans
Convenient video telemedical checks
50% cheaper than international plans
exit plans for NRIs uncertain about retirement or future needs
-GST waiver of 18%
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Stock Market, Mutual Funds, Investments, Personal Finance, Make Money Online
NRI Explains : Must Do Issues | NRE vs NRO | NRI Demat | Stocks & Mutual Fund | Insurance | Taxation
NRI Demat Account PIS vs Non-PIS
NRI Banking : NRO vs NRE vs FCNR
NRI Taxation
NRI Term Insurance
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Need promo code
Dd
Two months before I took term insurance this one correct or not how to check bro
NRI term plan not available for African nri's, please help
Please create one community for NRI
Yes
Yes, That would be much appreciated 🙏
Yes plz,
Yes,
👍
நான் கடந்த ஒரு வருடத்திற்கு மேலாக தங்களுடைய காணொளிகளை பார்த்து வருகிறேன். அனைவருக்கும் முதலில் குறைகள் தான் தோன்றும். இதுவரை சிறிய குறையை கூட தங்கள் காணொளிகளில் காண முடியவில்லை. தங்களின் காணொளிகள் எப்பொழுது ஏராளமான தகவல்களுடன் இருக்கின்றன. அனைத்து நிறைகளையம் வேறொரு நேரத்தில் பட்டியலிடுகிறேன். NRI பற்றிய காணொளிகளை தொடர்ந்து வெளியிடுமாறு வேண்டுகிறேன். தங்களின் சேவை தொடர வாழ்த்துக்கள்.
Bro I am from Germany … I am investing in mutual and stock and following you Video. As you said is true because there are no enough Videos about NRI in Tamil. Thank you for your video …. And reallly I need more video about NRI investment in India
Please my humble request to consider making video for NRI investment which will be more usefull for peaple like me ….. I love you bro for this content …
Me too from Germany and looking for NRI investment options.
Also me from Germany looking for NRI investment
Hi bro, did you convert your resident account to nri account. I mean your demat. ? How did the process go. Can you please let me know. Or one should sell the portfolio in resident account and start with nri demat account.
Wow right time... I was searching for this video to understand the conversion and at right time it released... thanks ..very useful... please try to create separate channel and post NRI related videos...
1. I'm not sure whether SSY investment allowed to continue or not?
2.If we have any existing LIC policy or SSY before NRI then what it will happen ?
3.Additionally, what are the brokerage charges for NRI in Zerodha.
4.For local money transfer to other Indian SB account whether we can use NRE to do direct money transfer or better, first transfer to NRO and then to other SB accounts?
5.If tax detected directly at source, then do we still need to file ITR and if so then, do we need to use ITR2 form?
6.What are the implication of not converting to NRI NRO?
7.How about existing LIC insurance policy ? Anything to intimate them?
These are the few question which I have doubts. Please clarify and it will be helpful.
Thanks and your videos are very useful and the way you explain is very short and straightforward.
Well-written queries. I have the same doubts.
I am upvoting for a separate NRI channel. Thanks for your efforts.
Good idea to have an NRI general/ finance series!! Covering retirement plans, asset management as an NRI, insurance covering international coverage, wealth management in India, returning back to India, privileges for NRI kids to study in India, medical tourism, other related topics.
Please create an NRI playlist.. Thanks a lot. Keep up your good work..
Interested in more NRI investment options in India, do and don’t etc. Also talk about “stop loss” feature and best practices for long term investors . Been following you for a while now, feeling so useful. Thanks.
I am delighted that you have created this video. I have been anticipating someone to produce this type of video.
Please create a separate playlist for all the NRI Account brother. Good job
Thank you, really useful video. Being a NRI, I always find difficulties to find videos in Tamil for many details. As a follower of your videos, requesting you to start making videos related to NRI investing as well. I would like to know more about below two topics, thanks in advance.
1. Deductible Health Insurance
2. ITR Filing must for NRI??
3. FD in NRE vs FCNR?
4. NPS investment
சிறந்த விளக்கம், சகோதரரே! இந்த வீடியோ மிகவும் தேவையானதும் விழிப்புணர்வை ஏற்படுத்துவதும் ஆகும். எங்களுக்கு இதை பகிர்ந்ததற்கு நன்றி. நான் 9 வருடங்களாக துபாயில் வேலை செய்து கொண்டிருக்கிறேன், ஆனால் நீங்கள் விளக்கியதை நான் இதுவரை செய்யவில்லை. என்னுடைய முதல் முன்னுரிமை இதை செய்வதே!
Very good explanation, brother! This video is much needed and raises important awareness. Thank you for sharing it with us. I've been working in Dubai for 9 years, but I haven't done what you explained. My first priority now is to do this.
Post a video regarding how to open demant account for NRI.
Post more videos regarding investment and saving for NRI
This would be really appreciatable
Create a NRI Channel
Very useful video brother... waiting for this long period 🎉🎉❤
Woww. Worth content. Infact this is the first video in Tamil who clearly talk about NRI d-account and trading options. Thanks for the content, really it worth it.
The Most awaited NRI content, we all requested last week and you did it ♥♥♥♥♥
Great video. This has lot of different topics that can be discussed separately. Also, Keep a separate channel for NRI and U.S. stocks analysis
Hi
Actually my brother(incidentally a NRI too) suggested your channel to me. Really appreciate watching your videos that are insightful. Thank you very much. We are all in for NRI channel.
This video is highly appreciated. Many thanks.
Please make more videos on NRI
1. How to convert resident demat account to NRI demat account in Zerodha?
2. Mutual funds investments for NRI- is SOA route better or demat route better?
On of the Excellent explanation about NRIs Pros & cons ever covered in you tube videos. Hats off bro.
Very clearly explained. I’m working in Singapore for 5 years now. It was very painful to get it done one by one as you mentioned. Also for the TDS deducted at source while filing ITR we can claim. Like resident Indians income of NRI in India is also not taxable upto first 5L. And for stocks no taxes upto 1L LTCG. So please file ITR regularly and claim the TDS. Thank you.
How to claim tax returns. How to claim TDS
@@chitrachakaravarthy File taxes. All TDS deducted can be seen from your bank statement. Use a professional’s help to file taxes or u can use Quicko.
amazing video, But (1) what if resident savings to NRO or NRE account conversion is delayed by 5 years due to lack of info by an NRI. (2) Money was transferred from abroad to India. (3) the resident savings is continued using for transactions within India for all these years, Will there be a penalty ? There is no clear answer for these and many students are still continuing on without the knowledge. Please make a video on this.
Excellent clarification bro! Please continue to provide NRI specific Content.
Taxes on dividends will differ for NRO & NFE account, which is missed in the video. However, it's good information. Keep it up.
Incredible n comprehensive video Boosan your insights n clear concise n elegant !! Thanks a lot for making this video !!
Very informative👏🏻 Would like to have an NRI series. Not many videos are available on this topic.
@Boosan, More info on NRI would really help many folks. If possible, please consider opening new channel for NRIs.
This is one of the best videos I have seen on tube. Please continue the nri series.
It's very useful for every NRI, please continue to add investment plan videos for NIR
You are doing a great job and creating financial literacy among Tamil people. Extremely important and fruitful content Boosan. Please create more content on this topic.
I have spent lot of hours going through many forums to understand the topics you have covered in this videos but your explanation is super helpful as always crisp and to the point. Keep up the good work bro 🤝🏻.
As an NRI i am looking forward to join a community or channel to watch your quality content.
Indeed it took me days and weeks of work to go through articles and forums to understand them clearly when I started out as well, I can clearly understand you.
Simple and clear explanation … keep going … good services to Tamil NRIs
its very useful, beginner in investments as NRI. Expecting More video, Thanks for your time
Thanks bro👍. That was a Clear Explination. Would like to see more on the NRI Restrictions part and if is there any way to overcome it. Cheers 👍
Wow. Very useful...answered many questions that I had in mind. Would be great if can hv specific detailed video bro! Thanks
Thanks Bro for this initiative on content for NRIs. It would be a good idea to have a separate series or channel for NRIs.
Good video Boosan. Would be very helpful if you can add more NRI specific content.
First of all Thanks for sharing so much information🎉 . As you said it is too much information in 17 mins video 😊.
Series or channel is appreciable
Great topic and much awaited content. Please create a separate community or content so many like me can benefit.
Yes bro, Excellent video, pls create separate community.❤
NRE - investments, pis, non pois,
எந்த brokerage app, அதனோட charges என்ன என்ன,
NRI charges - RI charges comparison.
Tds இத பத்தி விளக்குங்கள்
Really good info.. yes NRI info about finance and financial planning is very limited. Appreciate your idea and sharing value info
One Channel for NRI investing would be great! I love your content Boosan!
I was waiting for long.. thank you so much for this video thalaiva
Yes bro, Tell us about NRI investment schemes and tax benefits in a weekly video.
Please continue , lot of NRIs need this info
Wonderful information..
Most sought after
Great insights..
Please do more.
Especially taxation on mutual funds.
Very crystal clear explanation bro.. the way you are delivering your content is simply superb..i am seeing your video for thr 1st time.. immediately i have subscribed.. All the very best..
Please Post More videos on NRI , almost all the NRI's looking forward to save and keep their hard earned wealth under their control
Good Job
Thanks for sharing, Good information Bro. I vote for NRI community channels or more NRI videos. Thanks
Am hearing yours for first time, very simple spoken and informative,thank you, please put more videos
As an NRI, I would request you to make more videos about this topic.
Yes, it would be great if we have a separate community specifically for NRI since it will be helpful to clarify lot of queries or concerns
This video help us a lot and please continue more nri videos
Great information. Please create community for NRI.
Very useful. Clear explanations. Please continue this. Thanks
NRIs can trade in the F&O segment through an NRO account. A Custodial Participant (CP) code is required to trade in the F&O. Zerodha has tied up with Orbis to help NRI clients receive a CP code. But once CP is created, cannot do any other stocks buy / sell, cannot invest mutual funds in NRO.
Thanks for the useful information bro. 🎉🎉
Anna❤, ajay here. First of all thanks for considering NRI's. I would b great if you explain about which account (either NRE or NRO) is for which investments (nifty index fund, individual stock, nasdaq 100) and its pros & cons. I addition to this, try to make a separate vedio about PIS and Non-PIS for not NRE and NRO. Thanks heeps.
Thanks bro, pls make a video on ITR for NRI ( to claim the TDS)
KEEP IT UP BRO - GOOD JOB
Thank you brother, Was quite useful expecting more videos on related topics
Good info bro. Start a NRI/OCI community
I'm an NRI and I regularly follow your videos. Will be helpful if you post NRI related content also. Thanks :)
16:25 there is a TDS exemption for Singapore NRIs under DTAA
And also applicable for some countries
this info looks new. I also in sg, need to submit any documents or by default they did not deduct TDS for Singapore NRIs
Plz Start a separate NRI session plz...we need more info like this.... Thanks for ur efforts
Hi bro, Almost since 1 week I am watching all your videos. It was super helpful. Love from London :)
Good job Boosan.. 👏
Thanks 🙏
Warm cheers 😘
Vaazhga Valamudan 🙏🎸
Excellent content and delivery. Keep posting such useful content.
Very good. Everything on the point. Great content
Need of the hour bro. Thanks a lot
Awesome! I got clarity on few things which I struggle to find out. I suggest you to provide a google or Microsoft form to post questions. It will be useful to sort the queries and address the information in the future on respective topic videos. Form can have some prefilled Choice to categorize the topic and uncovered title can go to miscellaneous. You can later add the title to the form.
Awesome content for NRIs. Thank you 👏
Most NRIs don't know how to invest in the Indiaan stock market. So I am sure there will be lots of interest. I have been based in the US, living here for the last 35 years.
Very very useful, please continue.
May we request you to make a play list for NRI in your existing channel and do atleast 1 video once a month for NRI related finances & Tips.
very useful, thanks for sharing the information
It would be great video specified for NRI. Many financial problems I'm facing
Very useful info, separate channel for NRI finance investments in India
Great content
Keep continue👍🏻
Yes bro plz do a separate play list for NRI investment.
Please explain tax waiver in India for NRI and also open NRI new community... It's very helpful videos for NRI people...
Detail to point was perfect👌👌
NRI new channel opening is best bro ❤❤
Bro, this video is really helpful for the students who went to study. We want to invest but we’re not sure what all the things we have to do before opening a demat account. You gave super detailed information. Please create a playlist for the people who live outside india and want to invest. Start a series ❤
Thanks Brother, more videos appreciated.
Thank you very much Mr.Boosan for your very insightful and informative video.! Really helps to understand the banking concepts for NRIs.! Really appreciate your efforts.! More power to you.! god bless..! ✨👏🏻👏🏻
Useful information. Keep going
Such a great content, very useful information,we need more information on these topics
Very very super crystal clarification 👌👌👌👌..
Very useful. Could you please explain about NRI Demat with non-PiS account(tagged with NRE account) limits n benefits? Happy to join your NRI community and wishing you a great success
Well explained. Do more videos on NRI series
Yes we need more videos on NRI life, health, finance and investment etc
Thanks for sharing the info bro, very informative 👍
Thank you for wonderful video. Please continue with NRI details.
Considering you are a NRI, can you please advise if investing 100% in India or split investments between India and current country? One of major problems for NRI is INR depreciation. Example , if you have converted dollar to INR for long term investment in Indian mutual funds & say if you have had 15-18% returns. Repatriation of this amount will eat up your returns (from NRE or NRO account) , TDS during redemption and most importantly INR depreciation , we will end up with 8-10% returns or even less. So it would have been good to invest in NRIs local country which can provide anywhere between 10-12% returns.
Thanks bro. It is very very useful and eyeopener video🎉
Useful vidoe bro. Please create a community for NRI.