An NRI or Non-Resident Indian is an Indian citizen who resides outside India for a certain period, either for employment, business, or other purposes.

What are the benefits of investing in real estate in India?

Investing in real estate in India can provide regular rental income and long-term capital appreciation. NRIs can also take advantage of the depreciating value of the Indian rupee to invest in real estate and earn higher returns.

Can NRIs repatriate their investment earnings?

Yes, NRIs can repatriate their investment earnings as per the RBI guidelines. The repatriation limit is $1 million per financial year, including principal and interest earned on investments.

What is the difference between NRE and NRO accounts?

An NRE bank account can be used by NRIs to deposit foreign income in Indian rupees. The interest earned on NRE accounts is tax-free, and the funds are fully repatriable. NRIs can use an NRO bank account to manage their income in India. The interest earned on NRO accounts is taxable, and repatriation of funds is subject to certain restrictions.

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Best Investment Plan

The best investment plans allow an investor to achieve their financial goals in a time horizon that suits their needs. Having a clear idea of the various investment avenues can provide an investor with a diverse range of products, each of which caters to different goals in different time horizons as per the needs of the investor.

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What is an Investment Plan?

Investment plans are financial products that help you save and grow your money through different periods of time. These plans can act as one of the key factors driving financial planning and achieving your financial goals. Different investment plans cater to different kinds of investors, and the best investment plan is subjective as per individual financial needs, goals and risk appetite. The Indian market allows NRIs across the world to invest in the Indian market.

Some of the top investment options in India include:

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Investment Plans in India in 2026

India offers abundant investment options for you to invest in and grow over time. The table below shows some of the top investment plans in India that you can consider to achieve your future financial goals.

Investment Plans	AUM	3 years return	5 years return	10 years return
Tata AIA Fortune Pro	₹14,196 Cr	34.6%	21.4%	20.4%
Bajaj Life Smart Wealth Goal	₹16,374 Cr	25.3%	13.1%	17.8%
Aditya Birla Wealth Aspire Plan	₹18,899.95 Cr	30.2%	13.6%	18.9%
HDFC life Click2Invest	₹48,368 Cr	37.9%	13%	17.4%
Max Life Online Savings Plan	₹23,466 Cr	33.8%	17.9%	17.2%
PNB MetLife Mera Wealth Plan	₹2,668 Cr	40.7%	19.8%	16.8%
Edelweiss Life Tokio Wealth Secure+	₹1,187 Cr	27.9%	10.4%	14.8%
ICICI Pru Signature	₹97,475 Cr	25.3%	11.9%	13.8%
LIC SIIP	₹4,388 Cr	15.1%	9.3%	NA
SBI Life eWealth Insurance	₹53,768 Cr	21.2%	11.2%	13.4%
Kotak Life E-invest	₹13,365.384 Cr	25.9%	13.6%	15.3%
Aviva i-Growth	₹781 Cr	24.7%	11.9%	14%

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Types of Investment Plans

Investing is an integral part of building long-term wealth and financial stability. Many types of investment plans are available, each with its benefits and risks. It is important to understand the different options for you to make an informed decision that aligns with your financial goals and risk tolerance.

Debt Mutual Funds
- Debt mutual funds are less volatile than equity funds, implying lower risk for investors.
- The primary investment of debt mutual funds is in fixed-interest securities such as government securities, corporate bonds, commercial paper, treasury bills, and money market tools.
- Investors should remember that debt mutual funds are not entirely risk-free and are subject to credit and interest rate risk.
Direct Equity
- In the long term, equity delivers higher returns than other inflation-adjusted asset classes.
- The chances of losing your entire capital are high unless the investor uses a stop-loss method to curtail loss.
- Stop-loss involves placing an advance order to sell at a certain cost, which helps reduce risk.
- Diversifying in all sectors and market capitalizations can also help reduce risk.
- A Demat account is necessary for investing in direct equity. The bank allows for 3 in 1 account opening for investing in stocks.
Equity Mutual Funds
- Equity mutual funds primarily invest in equity stocks.
- SEBI regulations require 60% of assets in equity and related tools for equity mutual fund schemes.
- Equity mutual funds can be actively or passively managed.
- Active equity mutual fund returns depend on the fund manager's skills and experience.
- Equity schemes are categorized based on market capitalization or areas of investment.
- Equity schemes are also segmented based on investment in domestic or international companies.
Unit Linked Investment Plans (ULIPs)
- Unit Linked Insurance Plans (ULIPs) are a popular investment option in India.
- It provides both financial security and life coverage.
- ULIP allows policyholders to switch their investments between different funds based on their risk appetite and market conditions.
- ULIPs also offer the opportunity to make direct market investments.
- The funds can be invested in equity funds, debt funds, or both.
- The debt or equity fund’s value is evaluated based on the Net Asset Value criteria.
Bank Fixed Deposits
- Bank FDs offer a fixed rate of interest, which is guaranteed for the duration of the deposit. It means that investors have an idea of their maturity amount beforehand.
- Fixed Deposits are considered low-risk investments as they are backed by the government and not subject to market fluctuations.
- Bank FDs can be opened and managed efficiently, either online or by visiting a bank branch.
- Investors can choose the FD tenure ranging from 7 days to 10 years depending on their financial goals and investment horizon.
- NRIs who wish to invest in India through FDs, NRO FDs and NRE FDs are the accounts that you will have to open accounts with Indian banks. You can also opt for FCNR accounts, which only operate as FDs and have a lock-in period of 1 year.
Gold or Gold ETFs

Gold is a popular investment option in India due to its cultural significance and perceived value as a ‘safe haven’ asset. Its demand has remained strong for centuries. While investing in physical gold is cumbersome, investors can consider Gold ETFs (or digital gold).
RBI Taxable Bonds

RBI Taxable Bonds are a popular investment option for many in India due to their relatively low risk and steady returns. The Reserve Bank of India issues these bonds and offers a fixed interest rate over a specific period, providing investors with a predictable source of income.
Initial Public Offerings (IPO)

Initial Public Offering (IPO) occurs when a private company gets listed on the stock exchanges and issues stocks for the first time. The transition of companies from private to public allows all investors to buy the stocks and earn returns.
- Initially, the investors keep an eye on low rate IPOs whose stocks value might inflate over time.
- Current market conditions, company performance, upcoming trends, management, and other aspects influence stock prices.
- It also helps founders, angel investors, and venture capitalists to cash out their early investments.
- IPOs of a growing company are considered a long-term, low-risk investment option.
Pension Plans

A pension is a form of income that individuals can rely on after they retire and no longer earn a regular income. Retirement Plans in India enable investors to save money regularly during their working years to ensure a comfortable retirement. The plans are structured to protect against inflation, ensuring investors receive the highest possible returns.
Annuity Plans

Annuity Plans provide consistent payments to investors throughout their retirement years. On the other hand, pension plans accumulate funds that can be deposited systematically into a policy. After retirement, the accumulated funds can be used to purchase an annuity plan that offers regular payouts based on the plan's guidelines.

People Also Read: SBI Annuity Deposit Scheme Calculator
Real Estate

Over the years, there has been a significant rise in real estate prices. As a result, Non-Resident Indians can benefit from purchasing property in India and renting out for additional income. Real estate is a reliable investment option due to its potential for long-term returns and steady growth.

If Non-Resident Indians wish to engage in buying or selling property in India, they can use the following bank accounts:
- Non-Resident External Account (NRE)
- Non-Resident Ordinary Account (NRO)
- Foreign Currency Non-Resident Account (FCNR)
Non-Convertible Debentures (NCDs)
- Non-Convertible Debentures (NCDs) are a type of fixed income instrument that provides a fixed rate of return to the investor over a specified period.
- They offer higher interest rates than traditional bank deposits and are considered a low-risk investment option as the issuing company secures the assets.
- NCDs offer easy repatriation of funds for NRIs.
- NRIs can claim tax benefits on the interest earned from NCDs.

Go to the official Policybazaar website or use their mobile app if available.
If you don't already have an account with Policybazaar, sign up and create an account. You may need to provide personal details and verify your identity.

Log in to your account and fill in the necessary details, including your NRI status, country of residence, and other relevant information.
Use the platform's tools to compare various investment plans available for NRIs. Policybazaar has filters or options to help you find suitable plans based on your preferences.
Once you find a plan that suits your needs, carefully review the policy details, terms, and conditions. Pay attention to charges, fees, lock-in periods, and any other important aspects.
If you have any doubts or need assistance during the process, you can reach out to Policybazaar's customer support through their website or helpline.
Prepare the necessary documents required for investing as an NRI, which may include proof of NRI status, passport, visa, address proof, and any other documents requested by the investment provider.
When you are satisfied with the plan and have completed all the necessary formalities, proceed to purchase the investment plan. This involves making an online payment.
After the purchase, you should receive a confirmation of your investment along with the policy documents. Keep these documents safe for future reference.

**When you choose Policybazaar for your purchases, you gain access to a range of outstanding benefits like: Zero Commission, No Hidden Charges, Expert Advice, 100% Calls Recorded, Ensuring honest selling, complete responsibility for every sale.

People Also Read: How to Get 50k Pension Per Month as NRI?

Best Investment Plan for 1, 3, 5 Years

1 Years Investment Plans	3 Years Investment Plans	5 Years Investment Plans
Arbitrage Funds	Recurring Deposits	Liquid Funds
Fixed Deposits	Fixed Maturity Plan	Savings Account
Recurring Deposits	Savings Account	Post-office Time Deposit
Fixed Maturity Plan	Arbitrage Funds	Large Cap Mutual Fund
Post Office Deposits	Liquid Fund	-
Debt Fund	-	-

Taxation Implications on Investment Options for NRIs based in the US

While the best investment plans can help you reach your financial goals, taxation laws in both the source country of income and your country of residence can deplete your final corpus. Thus, before investing, it is essential to know about the tax regulations governing your investments. The following table lists all the investment options and their tax implications in both India and the US.

Investment option	Taxation in the US	Taxation in India
Passive Foreign Investment Companies (PFICs)
Debt Mutual Funds	Highly complex taxation method. The gains are taxed at the highest income tax rates. Form 8621 must also be filed annually for every fund scheme, irrespective of the balance.	Fully taxable in India with the AMC mandated to deduct TDS when the units are redeemed.
Equity Mutual Funds	Highly complex taxation method. The gains are taxed at the highest income tax rates. Form 8621 must also be filed annually for every fund scheme, irrespective of the balance.	Fully taxable in India, with the AMC mandated to deduct TDS when the units are redeemed
Unit Linked Investment Plans (ULIPs)	Subject to Form 8621 and ordinary tax rates along with interest on gains.	Gains are taxable as LTCG and STCG as per the tenure of holding
Gold or Gold ETFs	Highly complex taxation method. The gains are taxed at the highest income tax rates. Form 8621 must also be filed annually for every fund scheme, irrespective of the balance.	Gains are taxed as STCG at the income tax slab rate and LTCG at 12.5% as per the holding period of your investment.
Non-PFIC investments
Direct Equity	Capital gains are taxed under LTCG and STCG US capital gains tax rates.	The gains are taxed as LTCG and STCG as per the period of holding of the shares.
Initial Public Offerings (IPO)	Capital gains are taxed under LTCG and STCG at US capital gains tax rates.	The gains are taxed as LTCG and STCG as per the period of holding of the shares.
Bank Fixed Deposits	Interest is fully taxable as ordinary income in the US	Fully tax-exempt in India for NRE FDs. NRO FDs are fully taxable with 30% tax deducted at the source.
RBI Taxable Bonds	Interest is taxed at the ordinary income tax rates in the US.	Taxed as per your income tax slab rate
Real Estate.	Taxed at 0%, 15%, or 20% as per your total taxable income for the year. For short-term holdings, the gains are taxed at your ordinary income tax rates.	NRIs are mandatorily taxed at 12.5% on long-term real estate holdings
Annuity Plans	A lump sum payment upon vesting from life insurance is exempted from tax. The remaining recurring annuity payments are fully taxable at your income tax slab.	Depending on the classification by the IRS, your annuity plans can be taxed as a PFIC or as a standard foreign annuity.

When is the Right Time to Start an Investment Plan?

The right time to start investing in an investment plan depends on several factors like financial goals, risk appetite, current financial situation, and investment horizon.
Starting investing as early as possible is generally advisable because time is a critical factor in the growth of an investment portfolio.

An early start gives the benefit of compounding, which means investments will earn returns, and those returns will earn returns, thereby increasing the value of the portfolio over time.
Investing early allows one to ride out the ups and downs of the market and benefit from the economy’s overall growth.
It is crucial to clearly understand financial goals, risk tolerance, and investment options before investing.
It is advisable to have an emergency fund in place to cover unexpected expenses so that investments do not have to be liquidated to meet the expenses.

Conclusion

Best investment plans offer you the best avenues to park your money in for different periods of time, which in turn also provides you with additional income on your investments. You can easily invest in the Indian market using an NRE or NRO account. You can also read about NRI investment plans and choose a plan best suited for you.

FAQ's

Who is an NRI?

An NRI or Non-Resident Indian is an Indian citizen who resides outside India for a certain period, either for employment, business, or other purposes.
What are the benefits of investing in real estate in India?

Investing in real estate in India can provide regular rental income and long-term capital appreciation. NRIs can also take advantage of the depreciating value of the Indian rupee to invest in real estate and earn higher returns.
Can NRIs repatriate their investment earnings?

Yes, NRIs can repatriate their investment earnings as per the RBI guidelines. The repatriation limit is $1 million per financial year, including principal and interest earned on investments.
What is the difference between NRE and NRO accounts?

An NRE bank account can be used by NRIs to deposit foreign income in Indian rupees. The interest earned on NRE accounts is tax-free, and the funds are fully repatriable.
NRIs can use an NRO bank account to manage their income in India. The interest earned on NRO accounts is taxable, and repatriation of funds is subject to certain restrictions.

Best Investment Plan

What is an Investment Plan?

Investment Plans in India in 2026

Types of Investment Plans

Debt Mutual Funds

Direct Equity

Equity Mutual Funds

Unit Linked Investment Plans (ULIPs)

Bank Fixed Deposits

Gold or Gold ETFs

RBI Taxable Bonds

Initial Public Offerings (IPO)

Pension Plans

Annuity Plans

Real Estate

Non-Convertible Debentures (NCDs)

How to Buy Investment Plans for NRI through Policybazaar?