Investment Options for NRIs

There's no single number that works for everyone — it depends on where your future liabilities sit. If children's education, parents' care, or an eventual return to India are all rupee-denominated goals, an India allocation hedges those directly. If your life and spending stay abroad, India functions more as a diversification exposure than a currency match. We map your stated goals against the scheme categories open to NRIs and show you what an allocation looks like in each case, so you can decide with the full picture in front of you. This is scheme information and incidental guidance within a mutual fund distribution relationship.

Start with the currency your goals are actually denominated in, not with a split. A rupee goal funded by a dollar portfolio carries exchange-rate risk that's easy to under-price, and the reverse is equally true. We look at what you already hold abroad, where your India exposure sits today, and where the two overlap or leave gaps — then keep the India side aligned to the allocation you've set, with portfolio realignment as per scheme mandate. Cross-border reporting on both sides is documented as we go.

Two systems can apply at once. India taxes gains at source through TDS for NRIs, and your country of residence may tax the same income again — the Double Taxation Avoidance Agreement (DTAA) between India and that country determines what relief you can claim and what proof you need. In practice, that means keeping Tax Residency Certificates, Form 10F, TDS certificates, and capital gains statements in order across financial years that don't line up (India runs April–March; many other countries run calendar year). Our in-house taxation team assembles and maintains this documentation for you. Tax treatment depends on individual circumstances and prevailing law; please consult your own tax professional before acting.

Nothing has to be liquidated. Your residency status changes under Section 6 of the Income Tax Act, and your accounts follow: NRE and NRO accounts are re-designated as resident accounts, FCNR deposits run to maturity, and your holdings transfer across with KYC updated to reflect the new status. The change in status also changes how your gains are taxed and whether TDS still applies. If a return is on the horizon, tell us early — sequencing the account changes before you land is far simpler than unwinding them afterwards.

Mutual funds and Specialised Investment Funds, structured credit, fixed deposits including NRE/NRO and FCNR, real estate and real-estate-backed alternatives, and — subject to eligibility — AIF and PMS categories. Structured credit sits at the fixed-income-oriented end and typically suits a 1–5 year horizon; illiquid alternatives such as real estate and fixed deposits suit longer horizons with lower day-to-day volatility. Each category carries its own credit, liquidity and market risks, and access varies by your country of residence. Mutual Fund investments are subject to market risks; read all scheme-related documents carefully.

Yes, subject to eligibility and applicable regulations. These are SEBI-regulated fixed-income instruments that invest in lower-rated, higher-yielding debt securities, and they carry credit and liquidity risk with no assurance of returns or capital protection. You'll need KYC through the Central KYC Registry and compliance with applicable cross-border tax regulations; we handle the documentation and cross-border compliance support through the process in a mutual fund distribution capacity. Mutual Fund investments are subject to market risks; read all scheme-related documents carefully.

Specialised Investment Funds (SIFs) are distributed by us in our capacity as an AMFI-registered SIF Distributor. A SIF involves a higher degree of risk than a typical mutual fund and requires a minimum investment of ₹10 lakh; past performance isn't indicative of future results, and there's no assurance the scheme's objective will be achieved. Mutual Fund investments are subject to market risks; read all scheme-related documents carefully.

Alternative Investment Fund (AIF) and Portfolio Management Service (PMS) categories carry distinct risk and minimum-investment requirements. AIFs are complex and involve a high degree of risk. Returns aren't guaranteed, and there's no capital protection. Prospective investors should review the Private Placement Memorandum (PPM) and consult their financial advisors before investing. Where a Category III AIF uses leverage, this may increase the volatility of returns. PMS is subject to market risks, and there's no assurance the Portfolio Strategy's objectives will be achieved. The minimum investment is ₹50 lakh. Investors are advised to read the Disclosure Document, Client Agreement, and other related documents carefully before investing. Baker Street Fintech Pvt. Ltd., APMI Registration No.: APRN-01683.

Cambridge Wealth provides NRI support including free one-on-one scheme information sessions, portfolio analysis, and cross-border tax and compliance documentation support. NRIs get dedicated relationship-team access via WhatsApp, email, and scheduled calls in their preferred time zone, plus 24/7 real-time portfolio tracking through the Cambridge Wealth app. All of this is provided in a mutual fund distribution capacity — scheme information and incidental guidance, not fee-based investment advice. For fee-based personalised advice, consult a SEBI-Registered Investment Adviser.