KYC Verified
All projects and buyers pass through strict KYC and compliance checks.
NRI Buyer Hub
Everything international buyers need to confidently invest in India—from documentation to taxation, virtual tours, and legal guidance.
NRI Desk – Your Trusted Partner
Richman Estate operates a dedicated NRI Desk offering personalised, end-to-end assistance for overseas buyers. Our team provides time-zone friendly support, verified listings, documentation assistance, and a concierge-level experience for clients across the UAE, UK, USA, Canada, Australia, and Singapore.
Concierge Support
- Dedicated relationship manager
- 24/7 WhatsApp & email support
- Time-zone aligned communication
- Priority access to premium inventory
International buyers receive a dedicated relationship manager who coordinates property selection, documentation, site visits, virtual tours, and builder meetings. Our NRI desk works across global time zones, ensuring seamless communication whether you are in Dubai, Toronto, London, or Sydney.
Verified & Curated Inventory
- RERA-registered projects
- Builder background checks
- Verified layouts, floor plans & pricing
- High-ROI units & premium towers
- Only properties with clean title & approvals
We partner only with top developers whose projects meet strict due-diligence parameters. Every listing displayed to NRI buyers is hand-verified for project approvals, title documentation, pricing accuracy, and construction progress.
Zero Brokerage
Richman Estate charges absolutely zero brokerage to NRI buyers. All payments are transferred directly to the builder, ensuring complete transparency.
Secure, Transparent Process
We follow strict digital security standards for handling POA documents, passports, financial proof, and KYC papers. All shared documents are encrypted and never shared without explicit client consent. Every stage of the transaction — from booking to handover — is fully transparent and documented.
Documentation Guide – POA & KYC Requirements
NRIs must complete KYC, identity verification, and Power of Attorney execution for most property transactions in India. Richman Estate simplifies the entire document workflow through a detailed, secure, and globally compliant process—ensuring every NRI buyer experiences transparency, accuracy, and stress-free documentation.
Secure Digital Documentation
Encrypted storage and controlled sharing of all sensitive documentation.
Global Attestation Support
Guidance for notarisation, apostille and consulate attestation.
Identity & KYC Documents Required
- Passport (Mandatory) A valid passport is essential for identity verification.
- OCI / PIO Card Confirms overseas residency/citizenship status.
- PAN Card Mandatory for all property-related transactions.
- Overseas Address Proof Bank statements / utility bills reflecting current residence.
- Passport-size Photos Required for KYC and registration records.
These documents verify identity under Indian and global KYC laws and ensure FEMA compliance.
Power of Attorney (POA)
POA allows NRIs to authorize a representative to sign and register documents in India.
1
Drafting POA
A clear legal document detailing rights granted.
2
Notarisation Abroad
POA notarised in your foreign country.
3
Apostille/Consulate
Based on Hague Convention requirements.
4
Registration in India
Final registration at Sub-Registrar office.
Always appoint a trustworthy POA holder and store notarised copies securely.
Financial / Banking Documentation
- NRE / NRO StatementsUsed for remittance & loan processing.
- Loan Eligibility PapersSalary slips, ITR, credit reports.
- FEMA ComplianceEnsures RBI-compliant fund movement.
- Form 15CA / 15CBRequired for overseas repatriation.
These documents ensure safe, legally compliant property transactions for NRIs.
Taxation & Investment Guide for NRIs
Before investing in Indian real estate, NRIs must understand key tax rules—TDS deductions, capital gains taxation, rental income taxation, and repatriation laws. Richman Estate provides clear guidance to help international buyers make informed financial decisions.
TDS & Capital Gains
- 1% TDS on eligible property purchases TDS must be deducted on property purchases above the prescribed threshold, as per prevailing income tax rules.
- Long-term capital gains (LTCG) Applies when the property is held for more than 24 months before sale; taxed at a special LTCG rate.
- Short-term capital gains (STCG) If sold within 24 months, gains are added to total income and taxed as per applicable tax slab.
- Indexation benefits Indexed cost of acquisition reduces taxable gains significantly for long-term holdings.
Capital gains taxation plays a major role in NRI investment planning. Richman Estate helps buyers calculate estimated gains and understand tax-efficient exit strategies in collaboration with tax advisors.
Tax on Rental Income
- Rental income is taxable in India Income from letting out property in India is taxable, even if it is later transferred abroad.
- Standard 30% deduction NRIs are eligible for a 30% standard deduction on net annual rental value (after municipal taxes).
- Municipal taxes deductible Municipal taxes actually paid during the year can be claimed as a deduction.
- Return filing obligation NRIs must file an Indian income tax return if rental income and other taxable income exceed the basic exemption limit.
NRIs receiving rental income must comply with Indian tax laws and ensure timely filing to avoid penalties. Our advisory team can coordinate with Chartered Accountants for compliant rental income taxation.
Repatriation Rules (Sending Funds Abroad)
- USD 1 million repatriation limit NRIs may typically repatriate up to USD 1 million per financial year from their NRO account, subject to conditions.
- Form 15CA & 15CB Repatriation generally requires submission of Form 15CA and a CA-certified Form 15CB confirming tax compliance.
- Only tax-paid, documented funds Funds eligible for repatriation must be supported by documentation and proof of applicable tax payment.
- FEMA-compliant transactions All payments and remittances must comply with FEMA and RBI guidelines on foreign exchange for NRIs.
Richman Estate assists NRI investors with compliant funds movement, documentation review and coordination with banking institutions to ensure smooth, regulation-ready repatriation.
Investment Options for NRIs
NRIs have multiple real estate investment strategies depending on risk appetite, financial goals and market outlook. Richman Estate helps structure portfolios across rental yield, appreciation and diversification.
- Under-Construction Properties Lower entry cost and higher appreciation potential, but longer possession timelines and construction risk.
- Ready-to-Move Properties Immediate use or rental income with minimal construction risk—ideal for NRIs wanting quick occupancy.
- Rental Yield Strategies Focusing on locations and asset types with strong rental demand, especially in commercial and corporate hubs.
- Capital Appreciation Focus Targeting high-growth corridors such as Dwarka Expressway, SPR, and Golf Course Extension Road in Gurugram.
NRIs should always consult certified tax and financial advisors before finalising property decisions. Richman Estate works alongside qualified professionals to ensure full FEMA and income tax compliance.
Frequently Asked Questions
Have questions about buying property in India as an NRI? Explore our most commonly asked questions before reaching out to our NRI Desk.
No. Under FEMA regulations, NRIs are allowed to purchase only residential and commercial properties. Agricultural land, farmhouses, and plantations are generally restricted and require specific government permission.
Yes. A valid PAN card is mandatory for property purchase, TDS deduction, capital gains taxation, and registration procedures. It is essential for all tax-related compliance in India.
Physical presence is not required. NRIs can register property through a legally executed Power of Attorney (POA). The POA must be drafted, notarised in the foreign country, apostilled or consulate attested, and then registered in India to be valid.
Yes. Rental income can be repatriated after paying applicable taxes, filing income tax returns, and obtaining CA-certified Forms 15CA and 15CB. Repatriation is permitted from NRO accounts as per RBI and FEMA norms.
Yes. Leading Indian banks offer NRI home loans. EMIs can be paid via NRE/NRO accounts, with flexible tenures and FEMA-compliant remittance channels. Eligibility depends on income profile, location, and credit history.
Yes. NRIs can buy both under-construction and ready-to-move properties. However, they must verify RERA registration, builder credibility, construction timelines, and the payment schedule before investing.
NRIs must pay TDS on the sale value, along with short-term or long-term capital gains tax depending on the holding period. Additional surcharges may apply for higher income slabs. Indexation benefits are available for long-term gains.
Yes, NRIs can purchase property jointly with resident Indians or other NRIs, as long as all co-owners are legally eligible and the property is not agricultural. FEMA guidelines and documentation norms must be followed by all parties.
Absolutely. NRIs are fully allowed to rent out their properties in India. Rental income is taxable in India, but can be repatriated after tax payment and filing the necessary forms from an NRO account.
No. There is no specific cap on the number of residential or commercial properties an NRI can own in India, subject to compliance with FEMA, tax regulations and local state laws.
Need Assistance With NRI Property Buying?
📞 Phone: +91 98XXX XXXXX
📧 Email: nri@richmanestate.in
📍 Office: Sector XX, Gurugram, Haryana, India
🕒 Working Hours: 10:00 AM – 7:00 PM (India Time) | Mon – Sat
24/7 NRI Support*
Zero Brokerage Guaranteed
RERA-Verified Projects Only
*Response times may vary slightly across time zones, but our NRI Desk actively supports clients in the UAE, USA, UK, Canada, Singapore and Australia.