Get Started
Get Started
Eligible NRIs can invest in Indian investment products subject to applicable FEMA, KYC and product-specific requirements.
Your account structure should reflect the flow: Foreign income → India remittance → investment → income/gains → future repatriation.
Singapore's treatment is important because gains from the sale of shares and other financial instruments are generally viewed as personal investment gains and are generally not taxable as capital gains in Singapore.
IRAS also states that foreign-sourced income received in Singapore by individuals is generally exempt, subject to specific conditions and exceptions. Singapore tax residency affects the overall tax treatment, and IRAS provides specific residency tests and rules.
However, Indian tax can still apply to Indian-source investment income and gains.
Indian tax rules continue to apply to Indian-source investment income and capital gains, regardless of Singapore's domestic tax treatment.
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.
Review the investment source, account type and FEMA/RBI rules before planning remittances.
He is 35 and wants to build his India-based wealth while starting early on his child's education and retirement planning.
XYZ has to plan for two big goals at the same time: his child's education (14 years away) and his retirement (25 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 Singapore 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.
Assuming Singapore's generally favourable investment-tax treatment eliminates Indian tax
Ignoring currency movement
Not reviewing NRE/NRO structure
Not checking Indian TDS
Not reviewing existing investments
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.
No. Singapore's favourable domestic tax treatment of capital gains does not exempt you from Indian tax rules, which can still apply to Indian-source investment income and gains.
Yes. Singapore tax residency affects your overall tax treatment under IRAS rules, and should be considered alongside Indian tax rules when planning your investments.
Share a few details and our team will help you plan your India-linked investments from Singapore.
Your request has been received. Our team will get in touch shortly.