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Australian-based NRIs can invest in eligible Indian investments subject to FEMA, KYC and product-specific requirements.
The account should be selected based on: source of funds, Indian income, investment type, and repatriation requirement.
Australian tax residency is critical.
The ATO states that Australian tax residents are generally taxed on worldwide income, and foreign income may need to be declared in Australia. Foreign tax paid may in some cases qualify for a foreign income tax offset.
Capital gains on overseas assets can also have Australian tax implications for Australian tax residents.
Indian tax may apply to Indian investment gains and income. Double-taxation relief may be available depending on the applicable India–Australia treaty and individual circumstances.
AUD → INR → investment → INR → AUD
Exchange-rate movements can materially affect the eventual value in Australian dollars.
NRI investment rules, taxation, FEMA/RBI regulations and repatriation requirements may change from time to time. The information provided is for general educational purposes and may not reflect the latest changes.
Please consider your individual circumstances and applicable laws before making any financial or tax-related decision.
RBI/FEMA rules determine whether and how investment proceeds can be repatriated to Australia.
He is 39 and wants to continue building wealth in India while preparing for his child's education and his retirement.
XYZ has to plan for two big goals at the same time: his child's education (9 years away) and his retirement (21 years), while keeping his family protected. What each goal will cost, and how much to set aside for it every year, depends on inflation, his tax position in Australia and India, and how much market ups and downs he is comfortable with.
Your income, investments and goals may be completely different from XYZ's. A goal-based review shows what your own goals may need and how your existing investments fit in.
Illustration only. XYZ is a hypothetical profile and no returns are assumed or promised. Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
Ignoring Australian worldwide-income taxation
Not tracking INR/AUD conversion
Assuming Indian tax is the only tax
Not reviewing investments after becoming an Australian tax resident
Ignoring repatriation planning
Your Country. Your Goals. Your India Investments.
Your country of residence, tax residency, income, existing investments and financial goals.
Your Indian investments, NRE/NRO structure, insurance and existing financial commitments.
Create an investment and financial strategy based on your goals, time horizon and risk profile.
Implement eligible investment solutions based on your requirements and applicable regulations.
Review your portfolio as your income, residence, family, tax position and goals change.
Your India investment plan connects to more than one topic. Explore related pages:
Guidance for NRIs in other countries:
Eligible NRIs can invest subject to applicable regulations, KYC, fund-house eligibility and country-specific restrictions.
Yes, eligible NRIs can use SIPs subject to KYC, banking, AMC and applicable regulatory requirements.
NRE and NRO accounts serve different purposes. The appropriate account depends on the source of funds, Indian income and repatriation requirements.
Potentially, but repatriation depends on the investment type, source of funds, account, taxes and applicable FEMA/RBI rules. RBI rules provide different treatment for repatriation and non-repatriation investments.
Indian tax may apply depending on the investment, income/gain and applicable tax rules.
It may. This depends on your tax residency and local laws. Countries such as the US, UK, Canada and Australia have significant rules around foreign income, assets and reporting.
Australian tax residents are generally taxed on worldwide income, which can include Indian investment income and gains. This should be reviewed with an Australian tax professional based on your residency status.
In some cases, foreign tax paid may qualify for a foreign income tax offset in Australia, subject to eligibility and applicable rules. This should be confirmed with a qualified tax advisor.
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