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Budget 2025 - Benefits for NRIs Investment in India

It is afflicting that the NRIs have to pay tax twice given they are already paying taxes in the countries they are employed and residing. Additionally, paying taxes to the Indian government, answerable under the Indian Tax Authority as a result of owning business ventures, assets, and investments in the country is unpleasant.

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In 2021, India received $90 billion in remittance, contributed by the NRI population of about 3 crores, who are an important contributor to the Indian economy.

The following are some proposals to enable NRIs to increase their investments and assets in India as Nirmala Sitharaman, the Finance Minister, and her staff are getting ready to release the crucial Union Budget 2025.

Making Investment Simpler for NRIs

Government should ensure NRI's 'Ease of Investment' in India as they mostly invest in real estate and financial products. They can be offered incentives like the ease of compliance, relaxation in tax rates, and concession under the Income Tax Act.

By 2030, India is expected to rise from seventh place to third place internationally in terms of forex/GDP size (after the United States and China). Providing such relaxations can help in accelerating the process and increasing forex profitability.

Enhancing Rental Housing

Given the investment market becoming remunerative and transparent due to RERA for NRIs, they can be offered a higher standard reduction in Rental Housing. This can ensure low-cost excess and higher access for those intending to own residents after retirement.

The government is anticipated to promote tax breaks, affordable schemes, digitization, and innovations to ensure the inflow of investment.

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˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
*Past 10 Year annualised returns as on 01-04-2026
*All savings plans 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
^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.
#The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 2 Cr. is for a 30 year old healthy individual investing Rs 18,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: 1,06,79,507 @ CAGR 4%; 2,12,15,817 @ CAGR 8%. All plans listed here are of insurance companies’ funds. *Tax benefits and savings are subject to changes in tax laws. All plans listed here are of insurance companies’ funds.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
**Returns are based on past 10 years' fund performance data (Fund Data Source: Value Research).

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