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Countries/India/India Property Investment

India · Property

India Property Investment.
Indian real estate for NRIs and OCIs — done within RBI rules.

Indian property is regulated by FEMA and RBI rules that materially restrict who can buy what. NRIs, OCIs and PIOs have broad access; non-Indian foreign nationals face material restrictions.

Private consultationSee the process

What it is

The full picture, in plain language.

India property investment covers residential, commercial and plotted-development real estate — primarily for NRIs and OCIs returning capital to India or building an Indian portfolio.

Who it's for

Designed for these situations.

NRIs and OCIs

Building an Indian residential or commercial portfolio.

Families repatriating to India

Acquiring a principal residence and ancillary properties.

GIFT City unit holders

Where the structure permits Indian real-estate exposure.

Long-term family planning

Inter-generational asset accumulation in India.

Benefits

What the right structure delivers.

Strong long-term appreciation

Top-tier cities have outperformed inflation materially over 20-year cycles.

Rental yields

Commercial 7-9% gross; residential 2-3% (capital-appreciation-driven).

Currency strategy

INR exposure as part of a diversified family balance sheet.

RBI permissions in place

NRI/OCI clear path; non-Indian foreign nationals restricted.

Repatriation framework

Sale proceeds repatriable subject to caps and conditions.

Loan availability

NRI mortgages widely available from Indian banks.

The process

Step by step — nothing hidden, nothing skipped.

  1. 01

    Brief & FEMA check

    Week 1

    Eligibility, structure (personal, NRI HUF, company), financing.

  2. 02

    Sourcing

    2-6 weeks

    Primary and secondary market, off-market via local brokers.

  3. 03

    Due diligence

    2-4 weeks

    Title due diligence (most variable item in Indian property), RERA verification, encumbrance certificate.

  4. 04

    Agreement & registration

    2-3 weeks

    Sale agreement, stamp duty, registration.

  5. 05

    Financing & inflow

    4-8 weeks

    NRE/NRO inflow, NRI mortgage if relevant.

  6. 06

    Lettings or occupation

    Ongoing

    Lease deed, tax compliance on rental.

Timeline

What a typical engagement looks like.

  • Weeks 1-4

    Brief, sourcing, due diligence.

  • Weeks 4-8

    Agreement, stamp duty, registration.

  • Weeks 8-12

    Handover, fit-out, lettings.

Documents required

The evidence pack we will ask for.

  • Passport & visa

    OCI / NRI proof essential.

  • PAN card

    Required for transaction.

  • NRE/NRO bank statements

    For funding.

  • Source of funds

    FEMA/PMLA-compliant documentation.

Costs & fees

What you should budget for.

Stamp duty varies by state. Title due diligence is the most consequential cost line.

  • Stamp duty (state-dependent)

    4% - 8%

    Maharashtra ~5-6%, Karnataka ~5-7%, Delhi ~4-6%.

  • Registration fee

    ~1%

  • Legal & due diligence

    INR 75,000 - 500,000+

  • Brokerage

    1-2%

  • Morifar advisory fee

    From INR 300,000

FAQs

Questions we are asked, and the honest answers.

Can NRIs buy?+

Yes — residential and commercial. Agricultural land, plantations and farmhouses are restricted.

Can non-Indian foreign nationals buy?+

Generally no, without specific RBI permission. Restrictions apply.

Are sale proceeds repatriable?+

Yes, subject to caps (currently USD 1m per FY) and conditions.

What is RERA?+

Real Estate Regulation Act — mandatory registration of projects; check RERA registration before any off-plan commitment.

Common mistakes

What we see go wrong — so it doesn't happen to you.

Weak title due diligence

The single biggest risk in Indian property. Always commission proper legal title due diligence.

Ignoring RERA

Off-plan without RERA registration is high-risk.

Wrong account for inflow

NRE vs NRO has tax and repatriation consequences.

Missing TDS on purchase

TDS at 1% (resident sellers) or higher (NRI sellers) must be deducted.

Explain like I'm 10

The simplest version of the whole thing.

Buying property in India has rules about who can buy and how money comes in. We make sure the title is real, the paperwork is right, and the money moves through the correct kind of bank account.

Related services

Private consultation

Discuss india property investment with the team.

A confidential first conversation — no obligation, no sales pitch. We listen, map your situation, and tell you honestly whether and how we can help.

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