🌍NRI Property Services

Invest in India
From Anywhere in the World

Dedicated concierge for NRI buyers

From property search to possession — we handle everything while you stay abroad. FEMA compliant, fully remote, completely trusted.

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✓ FEMA Compliant✓ RBI Approved Process✓ End-to-End Support
The Opportunity

Why Indian Real Estate
in 2025

A decade of consistent growth, a rising rupee, and world-class infrastructure — India is the NRI investment story of this generation.

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Strong Capital Appreciation

Premium residential markets in fast-growing cities have historically appreciated as infrastructure follows demand. The infrastructure push — metro expansions, IT corridors, and airport developments — continues to drive micro-market premiums.

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Rental Income Potential

Demand from India's rapidly expanding professional workforce means premium properties in technology corridors are in steady rental demand. A well-chosen apartment in a technology corridor can help cover your EMI.

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Emotional Connection to Home

For most NRIs, buying in India is more than an investment — it's a connection to roots, a retirement plan, and a legacy for children. Nilay360 ensures that when you finally return, the home waiting for you is everything you imagined from thousands of miles away.

Simple Process

Your NRI Property
Journey

Six steps. Zero stress. Complete from abroad.

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1

Free Consultation

30-minute video call with a dedicated NRI advisor to understand your goals, budget, and timeline.

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2

Property Shortlisting

We curate 8–12 verified properties matching your criteria, complete with legal status and pricing data.

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3

Virtual Site Tours

Live video tours conducted by our ground team. Walk through properties in real time from your living room.

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4

Legal Due Diligence

Full title search, RERA check, encumbrance certificate review and builder credential verification.

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5

Documentation & Registration

POA drafting, consulate attestation, stamp duty and full registration managed end-to-end.

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6

Possession & Management

Handover inspection, snagging report, and optional property management or rental setup.

Legal Framework

FEMA Compliance
Made Simple

The Foreign Exchange Management Act governs NRI property ownership. Here's everything you need to know.

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Who Can Buy

  • NRIs with valid Indian passport and foreign residency
  • PIOs (Person of Indian Origin) with foreign passport
  • OCI (Overseas Citizen of India) cardholders
  • No restrictions on number of properties owned
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What You Can Buy

  • Residential properties — flats, villas, plots
  • Commercial properties — offices, shops, warehouses
  • Under-construction and ready-to-move properties
  • Agricultural land, farmhouses: NOT permitted
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Repatriation Rules

  • Proceeds from sale can be repatriated via NRE account
  • Up to USD 1 million per financial year allowed
  • Capital gains must be reinvested for full TDS exemption
  • DTAA treaties reduce double taxation in 90+ countries
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Tax Implications

  • TDS at 30% deducted by buyer on property sale proceeds
  • Capital gains tax: 20% LTCG with indexation after 2 years
  • Section 54 exemption if reinvested in another property
  • Annual rental income taxed; claim benefit under DTAA

This is a general guide. Always consult a qualified CA and legal advisor for your specific situation. Nilay360 can connect you with trusted professionals.

Financing

NRI Home Loan
Options

POPULAR
HDFC

HDFC NRI Loans

Interest Rate

8.70% – 9.85%

Max Loan

₹10 Crore

Tenure

Up to 25 years

  • ✓ Up to 80% of property value
  • ✓ Doorstep service abroad
  • ✓ Balance transfer facility
  • ✓ Pre-approved in 48 hours
SBI

SBI NRI Home Loans

Interest Rate

8.50% – 9.65%

Max Loan

₹15 Crore

Tenure

Up to 30 years

  • ✓ Lowest rates in market
  • ✓ No prepayment penalty
  • ✓ Joint loan with resident
  • ✓ PMAY benefit eligible
ICICI

ICICI NRI Loans

Interest Rate

8.75% – 10.05%

Max Loan

₹8 Crore

Tenure

Up to 20 years

  • ✓ Fast online processing
  • ✓ Video KYC available
  • ✓ Forex lock-in option
  • ✓ Dedicated NRI desk
Calculate Your NRI EMI
What We Do

Services We
Offer

🎥

Virtual Property Tours

HD live video walkthroughs conducted by our ground team on WhatsApp or Zoom. See the actual property, neighbourhood streets, and building amenities — not just photos.

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Legal Due Diligence

Comprehensive title search, RERA verification, encumbrance certificate review, builder track record check, and legal clearance report before you commit a single rupee.

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Power of Attorney Assistance

We draft your POA, guide you through consulate attestation or apostille (depending on your country), and ensure your representative is briefed for every step.

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Property Management

After possession, we manage your property — regular inspections, maintenance coordination, utility payments, and condition reports with photos, delivered to you remotely.

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Rental Management

Tenant sourcing, police verification, lease agreement drafting, rent collection, and monthly remittance to your NRE account. Full rental management from abroad.

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Resale Assistance

When it's time to sell, our resale team handles valuation, listing, buyer qualification, negotiation, and registration — ensuring you get the best price with zero hassle.

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Free Consultation

Book Your NRI
Consultation

🌏

Free 30-Minute
NRI Advisory Call

Talk to a dedicated NRI property advisor. No obligation, no pressure — just expert guidance tailored to your goals, budget, and country of residence.

  • FEMA eligibility assessment
  • Personalised property shortlist
  • Home loan eligibility check
  • NRI tax impact briefing
  • POA and documentation roadmap
  • Repatriation planning

We're available in your timezone

IST, GST, EST, PST, BST, SGT — our NRI advisors are available 7 days a week via Zoom, Google Meet, or WhatsApp Video.

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Free consultation · No obligation · Response within 4 hours

Common Questions

NRI Property
FAQs

Yes. NRIs (Non-Resident Indians), PIOs (Persons of Indian Origin), and OCI cardholders can freely purchase residential and commercial property in India under FEMA regulations. There is no limit on the number of properties an NRI can own. Agricultural land, plantation property, and farmhouses are the only exceptions.

Key documents include: valid Indian passport (or foreign passport with OCI/PIO card), PAN card (mandatory for transactions above ₹5 lakhs), overseas address proof, NRE/NRO bank account details, Form 60 if PAN is not available, and a POA if buying remotely. Our team provides a complete documentation checklist tailored to your country of residence.

Yes. Most major Indian banks — including SBI, HDFC, ICICI, and Axis — offer dedicated NRI home loan products. Eligibility is based on your overseas income, credit history, and property value. Loan amounts range up to ₹10 crore with tenures of 5–25 years. EMI repayments must come from your NRE or NRO account.

Rental income earned in India is subject to TDS at 30% (deducted by the tenant). However, India has Double Taxation Avoidance Agreements (DTAA) with over 90 countries, which means you may be able to claim credit for the tax paid in India against your overseas tax liability. We work with tax advisors to help you optimise your tax position.

A Power of Attorney (POA) is a legal document authorising a trusted person in India to act on your behalf for property transactions. While not mandatory, it is highly recommended for NRIs who cannot travel to India for registration and documentation. We assist with POA drafting, attestation at your local Indian consulate, and apostille where applicable.

No. FEMA regulations explicitly prohibit NRIs from purchasing agricultural land, plantation property, and farmhouses in India. This restriction applies regardless of how long you have been an NRI or your country of residence. If you inherit agricultural land, you may hold it but cannot purchase additional agricultural land.

Your Dream Home in India
Is One Call Away

Wherever you are — Dubai, California, London, or beyond — our NRI advisory team is ready to help you find, evaluate, and manage your Indian property. Let's talk.

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