HDFC NRI Investment Plans

An India-centric investment plan is essential for the global NRIs. Whether your income is sourced abroad or in local assets, your investment can generate wealth through focused HDFC investment plans for NRI. Over the past decade, the NRI investment record shows a 19% annual surge riding on multiple opportunities in the rising Indian economic graph. In this scenario, you are entitled to reap a rich harvest with an educated financial plan. The HDFC NRI investment plans are tailored for your needs beyond geographies.

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58.9 Million

Registered Consumer

Insurance Partners

26.4 Million

Policies Sold

Why Should NRI Invest in HDFC Bank?

The RBI regulates NRI investments in India, requiring strict compliance with statutory regulations and reporting. HDFC Bank has been among the premier private sector banks in India operating since 1994. The bank provides a customized environment suiting your NRI status.

The first step is to evaluate NRI investment opportunities in India. You must open an NRE (Non-Resident External) or NRO (Non-Resident Ordinary) account with HDFC Bank. You are ensured banking ease to redirect your NRI funds to the identified investment opportunity. For example, your investment in the capital market must be routed through the RBI-sponsored Portfolio Investment Scheme (PIS).

HDFC NRI Investment Through PIS

NRI equity investment in India is governed by Schedule 3 of the FEMA 2000 mandating NRI share trading operations through the Portfolio Investment Scheme. It enables you to purchase/ sell Indian company shares and convertible debentures through registered stock exchanges and stockbrokers. HDFC Bank is a foreign exchange authorized dealer to provide a PIS-enabled NRE account. The PIS service is extended through designated branches of AD banks only as per RBI guidelines.

What is an HDFC PIS-Enabled NRE Account?

An NRE and NRO account are both savings bank accounts exclusively for NRI customers. The NRE account hosts your funds earned abroad as an NRI, while the NRO account holds your earnings within India. Accordingly, you can repatriate NRE funds freely, while you must pay appropriate taxes on NRO funds before repatriating. The same principle applies to the PIS.

RBI has stipulated share trading transaction reports and other statutory regulations compliance only for PIS-enabled NRE account for its repatriation facility.

What are the Features of PIS-Enabled NRI Account?

The following is only an indicative list of the facilities available to you as an investor choosing HDFC investment plans for NRI through the PIS:

Invest in shares and bonds listed in the stock exchange
Your investment is ranked for repatriation or non-repatriation, depending on the source account - NRE or NRO based on RBI regulations
You must allocate only one designated bank for channelling transactions under the PIS

How to Open HDFC 3-in-1 Investment Account?

You have seen that you need a PIS-enabled NRE account to channel your investments in India. How about exploring the HDFC 3-in-1 Investment account tailored for your NRI investments? It combines a Demat and a Trading account, enabling you to embark on your journey into the Indian capital market.

Check what you get:

Your convenience is organized through multiple trading platforms.
A few clicks lead you to recommended IPO investments.
Hassle-free statutory compliance and reporting of your share trading transactions to the RBI on your behalf.
Sell and purchase stock even after the market hours.
Seamless trading in Futures and Options derivatives.
Get the benefit of expert guidance to make informed choices.

What are the Documents Required for HDFC PIS-Enabled Account?

The pre-requisite for NRI investment is obtaining PIS permission. Apply to your NRI account holding HDFC Branch with the following documents:

PIS account opening form
RPI form duly filled and signed
PIS application form
PIS tariff sheet
Demat holding statement

HDFC Investment Plans for NRI

Now that you are fully equipped with the HDFC 3-in-1 Securities account with the RBI devised PIS permission, you are on track to identify investment windows. Next, you must align the investments with your risk profile and skills to navigate in various scenarios focused on returns.

The following investment options are worth exploring:

Direct Equity

Equity investment offers the best capital appreciation opportunities if your NRI status has not diluted your high-risk profile. As per the PIS guidelines, you must only route all your transactions through the registered stock exchanges, secondary markets, and registered brokers.
Mutual Funds

If you are not confident of your stock picking skills but have a thirst for high returns, Mutual Funds are tailor-made for you. The professionally managed fund houses nurse a mixed portfolio of stocks to ensure sustained returns. In addition, the ability of Mutual Funds to explore more complicated financial markets makes it a popular instrument for NRI investments.
Government Securities

If you are an NRI boasting of a low-risk appetite, investment in Government Securities aligns with it. The debt instrument assures returns in the long or short term, depending on its tenor. Moreover, it is a safe investment window repaid on maturity.
Initial Public Offering (IPO)

A private company or a corporation goes public by selling a part of its stake to increase equity capital through the IPO process. Therefore, it has the potential for quick returns on investment provided the choice is informed. HDFC Securities provides the necessary inputs based on their unbiased research to guide you to a rewarding investment.
Convertible Bonds

Prudent investment in selected convertible bonds is an excellent way to own company stocks after the maturity period. These are comparatively safe investment windows for your NRI funds that guarantee returns till maturity. The value is then converted into stocks at a discounted market price.
Offshore Investments

An NRI is a global investor for HDFC Bank providing multiple investment options aligned to individual needs. Choose wisely between Mutual Funds, Offshore Bonds, Life Settlement Funds, and Structured Products, to name a few. Furthermore, the instruments are in various currencies across different countries.

The advantage with HDFC Bank is their global partnership with best-in-class platform providers or Asset Management Companies like the All Funds International operating globally. Thus, you get access to Equity, Fixed Income Bonds, and Commodities through their Bahrain Branch.

In Conclusion

HDFC Bank rolls out the red carpet for meeting NRI investment needs. An extremely convenient banking ecosystem makes exploring NRI invest in HDFC Bank a rewarding experience.

Being an Authorized Dealer in Foreign Exchange, HDFC Bank combines a rich legacy and global partnerships to provide you with the right investment windows. It helps your money grow regardless of where you operate in deference to your global investor status.

FAQ's

Q. What is the applicable ceiling for the NRI portfolio investment?

A. Ans: As an NRI, you must adhere to the RBI prescribed thresholds monitored daily. You can invest 5% of the total paid-up capital in an Indian company under a repatriation scheme, and the aggregate holding in the company’s share must not exceed 10%.
Q. Does the PIS allow joint accounts for NRIs?

A. Ans: As per the rules of the PIS, a joint account for NRI is not permitted. Each NRI must open a separate account for the PIS facility.
Q. Why is a Demat account necessary?

A. Ans: A Demat account is necessary to buy and sell shares in the equity market. The account is maintained by depository organizations like the NDSL and CDSL to hold your shares and securities in electronic form.
Q. Is the NRI allowed to route transactions through the PIS for investment in agricultural properties?

A. Ans: As an NRI, you are barred from investing in any company engaged in agriculture or plantation activities or real estate in farming and agriculture.
Q. Can an NRI dispose of shares through a private arrangement?

A. Ans: No, the NRI can buy or sell shares compulsorily through recognized stock exchange engaging registered brokers.

Past 5 Year annualised returns as on 01-09-2024

^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.

*All savings are provided by the insurer as per the IRDAI approved insurance plan.

Tax benefit is subject to changes in tax laws. Standard T&C Apply
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^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.

#The lumpsum benefit is calculated if policyholder invested ₹10000 monthly for 10 years in the fund with a policy term of 20 years. This Point To Point past performance data of last 10 years has been used to illustrate a scenario for the customers benefit. It is assumed that the past 10 years returns would have also been delivered in last 20 years. This is not guaranteed and not in anyway indicative of what the customer may actually get 20 years from now. The investment is subject to market risk and the risk is borne by the policyholder.