1. What are some of the benefits of NRI investment in India?

There are several benefits of NRI investment in India. Some of these include portfolio diversification, retirement planning, wealth accumulation, education funding, tax benefits, and more.

2. Can an Australia-based NRI invest in the stock market in India?

Yes, an Australia-based NRI may invest in the stock market in India in the primary and secondary capital markets using the Portfolio Investment Scheme (PIS). The scheme allows NRIs to obtain debentures or shares of companies via the Indian stock exchange.

3. What are some of the popular investment options for NRIs in 2025?

There are a variety of investment options for NRIs in 2025. Some of these include Life Insurance plans, direct equity, mutual funds and so on. To avail life insurance coverage, you could add ULIPs or other traditional life insurance plans to your portfolio.

Investment Plans for NRIs in Australia: Tax-Friendly & High-Potential

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Talking of NRI investment plans, you get plenty of choices. From life insurance plans to mutual funds to equity shares the investment pool for NRIs in Australia is quite diverse. In case you wish to opt for financial protection for you & your loved ones, there are quite a few life insurance plans that you can opt for. However, with so many choices, it is natural to feel overwhelmed at the very start. Therefore, make sure to understand your financial goals and risk profile and choose an investment plan accordingly. Here are some popular investment plans for NRIs that might be worth exploring.

NRI investment options
1. Direct Equity
  
  NRIs invest in the Indian stock market directly for higher returns associated with risk over the long term. NRI investors can purchase the shares of a company listed on the National Stock Exchange, Bombay Stock Exchange or both.
2. Mutual Funds
  
  NRIs can also invest in mutual fund options, which extend to equity, debt, or hybrid fund investments and are managed by professional asset managers. Investment in mutual funds for NRIs can be more convenient and profitable over the long term.
3. Real Estate
  
  NRIs can also invest in commercial and residential real estate properties in India and get higher returns in the long term. Investment in real estate is considered one of the best investment options for NRIs.
4. National Pension Scheme
  
  The NPS is a long-term retirement savings scheme which allows individuals to contribute regularly towards their retirement savings while they are employed. It is regulated by the Pension Fund Regulatory and Development Authority (PFRDA) and is one of the best investment options for NRIs planning their retirement in India.
NRI investment options with low risks
1. Savings/ Endowment Insurance Plans
  
  NRIs looking for investment options in India with low risk can consider investing in savings or endowment insurance policies, which offer the dual benefits of life insurance coverage for the entire tenure of the policy and a savings element. The plans provide a death benefit if the life assured passes away during the policy tenure. This helps the family meet the financial loss suffered and meet its financial goals. On the other hand, if the life assured survives the policy tenure, a maturity benefit is paid. This benefit creates a savings corpus that allows policyholders to plan for their financial goals. Persons of Indian Origin (PIOs) and Overseas Citizens of India (OCI) can buy life insurance to ensure their loved ones stay financially secure Endowment assurance plans can also be offered as child plans or pension plans, which help you plan for specific goals.
2. Money-back Insurance Plans
  
  Money-back insurance plans are like endowment plans but with a difference. Under these plans, the sum assured is usually paid in the form of instalments at specified intervals during the policy tenure. This payment is called the money-back benefit, and it creates liquidity under the policy. The death benefit remains undisturbed and is paid in full, irrespective of the money-back benefits paid under the plan. On maturity, the remaining sum assured is paid. Money-back plans might be offered as participating plans, which earn a bonus. The bonus additions help enhance the benefits of the policy and create a good corpus for your financial goals.
3. Fixed Deposit
  
  NRIs can also park their funds in fixed deposits to earn from interest. Fixed Deposit is an ideal for conservative investors. NRIs can choose to invest in NRO Fixed Deposit accounts, NRE Fixed Deposit accounts or Foreign Currency Non-Resident (FCNR) Fixed Deposit.
4. Public Provident Fund (PPF)
  
  PPF is a long-term savings scheme backed by the Indian government that offers fixed, guaranteed returns higher than regular savings accounts and tax benefits. NRIs planning for long-term financial goals such as their retirement or their children's education can benefit from accumulation in PPF. The NRIs cannot open new PPF accounts but can continue their existing PPF accounts until maturity if any.
5. Money Market Instruments
  
  Money Market Instruments are short-term financial instruments such as Commercial Papers, Treasury Bills, etc., involving lower risk and high liquidity. NRIs are to invest in these securities on a repatriable or non-repatriable basis.
6. Perpetual or PSU (Public Sector Undertaking) Bonds
  
  Perpetual bonds are bonds which cannot be redeemed but offer steady interest pay-outs. They do not have a fixed maturity date but offer regular returns. PSU Bonds are bonds issued by Government enterprises offering fixed rates of interest and involve low risk. These bonds generally have a long-term maturity period.
7. Sovereign Gold Bonds (SGBs)
  
  SGBs are government securities denominated in grams of gold. These bonds are a substitute for holding physical gold. The value of the SGBs is linked to the price of gold, and the cash benefit can be redeemed after the specified fixed tenure
NRI investment options for High Net Worth Individuals (HNIs) in India
1. Portfolio Management Services (PMS)
  
  Portfolio Management Services is a professional financial management service offered by professional portfolio managers to HNIs. They manage the investment portfolio of the clients under the research team’s guidance. Portfolio management services can be related to stocks, debt, and other securities.
2. Alternative Investment Funds
  
  AIFs are investment vehicles which collect funds from investors to invest the amounts in different asset classes such as private equity, real estate, hedge funds, etc. It is considered one of the best investment options for potential high returns.
3. Start-ups
  
  NRIs can invest in early-stage companies with innovative business models and high growth potential to increase their returns. Investing in start-ups is a good option for HNI NRIs to gain from the growth of these start-ups.
4. Fractional Ownership of Commercial Real Estate (CRE)
  
  Fractional ownership of CRE allows HNI investors to invest in high-value commercial properties with a limited amount of investment. It enables them to own a property partly and invest in India’s real estate sector.
5. Infrastructure Investment Trust (INVITs)
  
  INVITs are investment vehicles which provide NRIs with an option to invest in developing infrastructure projects in India

The investment plan for NRI ensures security, diversification, tax advantages, and long-term growth. Choosing the best investment for NRI helps balance protection, wealth creation, and global financial stability.

Wealth Creation Over Time

Through disciplined contributions in ULIP Plans, saving plans, or long-term retirement plans, NRIs can build a strong corpus. An investment plan for NRI enables steady wealth creation and future-ready financial security.

Financial Security for Family

Suitable investment plans for NRIs growth can provide life insurance coverage along-with creating a corpus for your goals. For instance, endowment, money-back plans, or ULIPs can help in securing your family’s financial needs while building a corpus for your goals. Retirement Planning Made Easier

Retirement-oriented investment plans can help you create a long-term corpus for your golden years.. You can accumulate a steady corpus for post-retirement life, ensuring independence and comfort

Access to Global Markets

NRIs investing in India gain exposure to the Indian market while also having the opportunity to diversify across global geographies. This enables them to balance the stability of local investments with the growth potential of international markets.

Protection Against Currency Fluctuations

The investment plan for NRI helps hedge against currency risks. By investing earnings from Australia into plans such as saving plans and other investment options, you can hedge against exchange rate movements.

Legacy & Estate Planning

The best investment for NRIs provides options for wealth creation and seamless transfers. With life insurance-backed savings plans or retirement plans, you can nominate your family member and ensure seamless legacy and estate planning for future generations.