Top 3 Reasons NRIs Should Invest in India NOW! | Faye D'Souza
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- Опубліковано 6 лют 2025
- India is emerging as one of the most attractive investment destinations, and now is the perfect time for Non-Resident Indians (NRIs) to take advantage of the opportunities. In this video, Faye D’Souza breaks down:
✅ Why India is a lucrative investment option right now
✅ Key opportunities for NRIs
Whether you’re looking to invest in real estate, stocks, mutual funds, or fixed deposits, this video will give you the insights you need to make informed decisions.
💬 Let us know your thoughts in the comments! Are you planning to invest in India?
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If you are not in the financial market space right now, you are making a huge mistake. I understand that it could be due to ignorance but if you want to make your money work for you...prevent inflation
What are you talking about and how could this be explained?can someone please explain
I'm really confused, especially in market analysis, how are people using trading with them?
Trading with an expert is really beneficial. This will help you not to lose your money in the trading market.
How does this crypto stuff really works and how do I make I make good profit from it? I'm willing to invest in it but I need guidance so I don't lose out
Do you have any idea of any good broker/trader I can start with that's trust worthy?
Conversation rate is high,inflation is high,rupee depreciation is high. Taxes are also high.It’s not worth to send money to India.i don’t want to lose my hard earned money that I earn abroad.
Excellent take. Stay safe. You must be an illegal and you know that ICE is looking for you. Once you are back in Pindi, you can invest in Pakistan. Best place.
Agree. Never send money to India. You loose control on your money.
So where will you invest? Are you even investing? If you don't invest, you will get 0% returns. And with inflation, that will be negative. If you have a better suggestion of where to invest, pls say that.
@@ibanker....that's his opinion and personal choices this individual makes. True Indian banks are the worst service providers
@@ibanker For USA NRIs, Invest in USA. USA money can always be converted to Rupee but changing rupee to Dollar... so much paperwork that you will get frustrated. I transferred in 2008-2012 Dollar-INR average 50 rupee. Bought flat in Noida which stuck in registry issue. Another small one in Sohna Haryana Raheja Builder ran away. RERA did nothing. BJP Govt is just to collect GST/tax but can't take any action.
My personal experience with repatriation of funds from India, leaves me cold to such "bright"prospects. Banks gave dragged their feet for years in authorizing withdrawal of funds.Settling someone's estate (there are many senior citizen NRIs) is a torturous process even with all relevant documents. Greasing is rampant. Finally, instead of creating jobs for young people (demographic dividend) Amit Shah and Modi want Hindus to compete with unnamed religionists by having more children just as we are on the verge of reducing the birth rate.
😮😮😮😮😮😮😮😮😮😮😮😮😮😮😮😮😮😮
NRIs have already invested huge numbers in real estate and priced out people living in India. It's become an irony that to buy a home in India you have to stay outside India
1) As Per captia income the worst in the world.2) Rupee the worst performing in Asia. 3) Foreign tourist do not want to come to India. 4) Indian's are only happy seeing Adani and Ambani rich .
India was a good investment destination when Dr. Manmohan Singh was the PM.
Today entrepreneurs are leaving India in droves and going to more attractive destinations. One of the reasons is the falling rupee. A rupee invested today may decrease by 15-20% in a matter of few years ago your asset value will always decrease. Furthermore, you always have these politically connected people who always come asking for donations whenever there is a festival which is every month.
Regret cannot agree with you at all. A weak currency is indicative a weak economy and so don't expect anyone to bring money to India and see the value of their investment decreasing every day
You are right. Invest in the ADVANCED First World economies of the West.
True when the country has a PM who refuses to disclose his educational qualifications speaks volumes unlike our late and Globally respected very highly educated World Economist Dr. Manmohan Singh
As an NRI with investments in India as well as the US, I really disagree with this take. Appreciate the intentions, but the math doesn’t math. If I invest somewhat smartly in the US, I get comparable returns plus the funds are more readily liquidated if I need them. Taking your own money out of India is a frigging nightmare thanks to red tape & rampant corruption at all levels. That headache is simply not worth it at current levels of returns.
💯
Is it difficult to take back the money from an NRE account? Also a point on the conversion charges. Thanks
@@sudhinbathija4833 Repatriation should be easy in theory. Our experience was that it’s not easy in practice, but Google or a good CA can advise you better based on your specific needs. :) Generally, NRE account investment options are limited unless you open other types of accounts and link them to the NRE account to expand your investment options. Doing so will complicate your tax situation though. In our experience many banks will make you jump through bureaucratic hoops when you want to get the money back out of India and make money off currency conversion too. We had to hire a CA to help us bring the money back and simply didn’t get enough returns to justify all that.
Faye we should not only look at stock market. We should be concern about instable rules. Taxation is soo high in India and such unstable rules. Every budget you have new tax or cess added and more taxes are introduced on yearly basis. Remember LTC gain from 0% to 12.5% now.
Investing in US or even chinese market are much more safer and stable. If not 14-15% return even if you get 8-9% its safe, stable and not surrender to depreciation of rupee and inflation
No more investments in India as an NRI. I invested for over 12 years through a tax-free NRE account, but now I’ve been receiving IT notices claiming I owe lakhs of rupees in taxes. It has been a terrible experience. I’ve pulled out all my money from India and will not invest there anymore.
I was an dedicated India investor for years, not anymore.... The Tax terrorism and the tax department bureaucracy is impossible to handle. They will send arbitrary notices , then not bother to look at your reply and then proceed to deduct arrears on the so called "outstanding amount" for income for which TDS is already deducted. Income tax departments message to investors seems to be - "DO NOT invest in India".
One drawback for NRIs investing in India is the depreciating ₹, even with good returns locally, when they sell at a profit (assuming they get), the higher ₹ gives them lesser $. On an avg the ₹ depreciates 3 to 4%
So where will you invest?
Very funny Faye! Invest in India 😂. Love your sense of humour and satire. Don't forget about the 'caveats'. Ha, ha.
Thank you for the breakdown Faye! Like others who have commented, the taxation both in India and the NRI's home country is a huge deterrent. Even if the currency is at an advantage, the paper work & double taxation robs the NRI's of the key benefits of investing in India.
Thats right. Please invest your TP in the 'advanced, firstworld' economy of the UK or US.
Faye, For NRI the best places to invest in India would be directly into a business. Being in America it makes no sense to invest in any financial instruments in India primarily because the gains will be lost due to weakening rupee. Eg in 2016 - April, 1$ was about 66INR and today it’s about 86INR which is a loss of over 30% in 8 years. If one wants to retire in India they can invest their money in US get the growth and benefit further when transferring the funds at a future date (retirement) assuming the trend of rupee to USD stays the same. Another important point is that profits earned in India will be taxed in US. Also it creates an issue with fluidity if you want access to your funds immediately. There are a lot more things, and I can’t type beyond this.
Getting money out of India is extremely tedious. If we look to invest in India, we need to prepare to keep that money in India.
Please dont invest in India. India doesn't need useless USD. We are not servants like Japan and China who got conned by printed IOUs. Thanks.
There are too many negatives, Faye, both soft and hard. Don't even start on real estate!! As a middle aged plus nri, why would I need to wait long term for shares/stocks returns? Also taxes and beaurocracy in India for investors??
Give Fail Dsouza a couple of rice bags and the convert will say anything. I am glad you don't invest in India. There must be many good investments in the ADVANCED economies of US, EU UK. Start with the UK.
At most I do with my money in India is keep some in NRE account in case of emergency for my parents. I made a mistake of buying a land after my mother pushed me, now my old parents have to run around and check if no one has taken over the land. Never again! Even reputed builders delay projects. US has far better predictable return on investment for homes atleast, things might be different for NRI in Europe.
And I certainly do not want to deal with tax laws which are now changing every year in India.
Nri’s can invest in India focused funds in their own country, in their local currency. Have exposure to India.
A video on NRE fixed deposits would be great 👍🏽
Is the SEBI reliable in policing the stock market? Recent Adani cases makes me wonder why you have so much confidence in the Indian stock market?
Superb video. Great compilation
Thank you for the video Faye :) Would definitely be interested in discussions around Account types and low risk investment options! Thank you
Ma'am, please complete your homework. NRIs are not allowed to invest in gold or gold bonds.
In first 2 minutes, Faye mentioned such a big 'IF' (if India educates and invests in young population, provide them high quality job) that rest of video is irrelevant.
Excellent knowledge center thanks 🙏 🎉
Software update hua hai kya iska?
It’s a hassle to take money out of India. The Indian bank apps suck.
Invest in Pakistan or better, the UK.
More conversation on this please - loved this video.
@Faye this video is interesting. It will be good if you add impacts and benefits on NRI stand point probably the audience may be able to relate the benefits on long term perspective
NRI investing in India is a big big Loss...
I am an NRI for 30 years now. I will NOW AND NEVER invest in India. So are my friends that I know.
before NRIs think of investing in india, think why RIs not investing there? number 1 reason to not invest in india is that it is centrally controlled economy. forget about private companies have a say, even state govt do not have a say on where to invest. there is a saying, you need to be more flexible than stronger to weather a storm. flexibility comes from distributed decision making.
As an NRI, commercial real estate in India is something to really examine but there are scams in them too. Will have to be very picky
A word on taxes also? .Gold n silver etf's aren't tax friendly for < 3 years, but not many know about this.
I don’t think this is good advice at all
Fifth largest economy and still tax payers are feeding 80 million Indians not PM cares fund. So connecting the dots.....for vote bank
😂 going thru the comments and it looks like all NRIs with actual, real life experience, totally disagree. Before doing the video, should have picked up the phone and spoken to a few NRIs in various countries. Before this video, I used to respect Faye.
Sorry I am listening and sheesh! What about inflation and costs of goods.. I don’t agree with your analysis… what about red tape…the Indian currency doesn’t stand a chance… it’s weak!
yes please explain basics for new NRIs like NRE, NRO account and tax saving as an NRI for money invested in India
there are lot of other NRI focused channels for that.
Invest your 50 %to 60% In US market
remaining can be invested in India
If youre an NRI great for you, if youre not an NRI, BECOME ONE 😂😂
TDS on remitting income back out of india.. Can be a hassle?.. Please share views
China extracted the best out of their young demographics, in India only Sita tai is extracting out of young population.
Ofcourse we do like more on the subject
Would love a separate video on accounts for NRIs!!!!
You rock Faye!
Hey Faye, I am from UK and was looking for options to Invest in India, In UK there is something called a Stocks and Shares Individual Savings Account, in which we can Invest upto £20,000 a year Tax Free. In india if I invest for Long term i will have to pay 12.5% Long term capital gains tax, plus the always depreciating rupee in my opinion doesnt make India an Interesting place to invest this made me realise that i should exhaust my ISA account limit (which is very difficult to do) and then may be Invest in India.
Would like to know ur thoughts on this.
Rice bag is not enough? You want dal and sugar? Invest in the UK. Its an advanced first world economy. With the highest ahem rating. Stay away from them Grooming Bags, be safe.
Capital gain taxes in the UK for shares is between 10 -20% . So how is investing in UK better? India rates are lesser.
Add 4% cess to the ltcg.
The depreciating rupee is not good for an investor. If I invest when rupee is at 86 against the dollar, at 6% return, if the rupee depreciates to 100, you are loosing money. It’s good if you have debt in India.
Trump's entry euphoria will fizzle out and India backed by fundamentals will always have underlying value supporting it.
Whats anice guy like you doing in a halfway home like this? Thank you for your correct appraisal.
No matter how experienced you are, you should always use good quality weed...with the current economically illerate leadership, it will be great if our economy survives for a year....
The falling rupee, bureaucratic red tape, and inconsistent policies make India a risky bet for investors. Many businesses struggle with unpredictable regulations and high taxes. Better to invest where stability and returns are more reliable!
Working age population who is majorly unemployment
and uneducated.
The stock market is highly overvalued, with very weak purchasing power of the middle class. Most of the growth in the economy is via govt deficit spending and to pay interest on this deficit chances of tax cuts are also less as the govt needs more revenues to pay back the interest itself (leave alone the principal which is not be paid as they will roll it over )
I would say keep your money with you and invest in Gold.
Thanks for the video, Faye! As an NRI I started investing in India last year. I would like to know more about how taxes are distributed across different investments.
When AI and robotics are taking over the jobs does working population still matter??
No, sebi is corrupt
Good channel
I was always interested to hear YOUR advices when you were host of many many personal finance programmes. Please let us know in which MF you are investing/like to invest NOW and why so.
SEBI is corrupt, RBI is not transparent even with Demonetisation or in Dollar Exchange Peg, Tax Terrorism and Red Tape with a changing policy climate is an great issue, returns on dollar returns are not good, taking back wealth is hard, real estate is a bubble . Only one good thing is demographic dividend but without capital investment and employment generation - nothing helps
I love watching your videos Faye. This video gives very small insight into everything and would be waiting if you can cover specific investment type in one video covering all possible aspects.
investment in real state is a big No for me. I am waiting since 2020 to get my property key. It’s very painful to deal when you are not living in India.
Any investment that is easily accessible would be advisable to anyone living abroad.
Not sure what you are smoking. Who is going to guarantee the investment? Not from market conditions but from corruption and poor law and order?
Paid promotion disclaimer missing. Invest in India if you hate your money.
Dear Faye, Could you please discuss a nice strategy for MUTUAL FUNDS (e.g., via SIPs) for NRIs? Thanks!
Yes , there are few instructions you received from Government and since FII is exiting and DII are drying out this js the best way to manage stock market. Isn’t it? LTCG is high. Stay in journalism and refrain from financial advice
Indian rax authorities treat NRIs as anti nationsls and treat them with shabbily. Some investments are not open to NRIs even though they bring precious foreign exchange.
NRI’s are eligible to invest in NPS
trueee 👍🏻👍🏻👍🏻
Nah...
India is good investment destination but not with BJP govt, where govt itself creates lot of issues. If only there is PM like Dr. Singh it can happen.
Madam restart Mutual fund show.
Nice
Ma'am this doesn't make sense if I am an individual sitting in USA when after deepseek USA has also gone through a kind of market correction albeit only tech companies of S&P100 is suffering a correction also pertaining to the point that you made we have demohraphic dividend in year 2030 of having 1 billion pop of work force & the Govt needs to create jobs which I beleive is a little askwed.
If the working population doesnt have scientific temperment , illiterate or semi literate with poor nourshiment which leads to malnourshiment and researches have shown that malnoursihed children have lower cognitive ability. Do you will account them as dividened ? Unless you are an HR of one of the far right fascist groups like RSS or Bajramg Dal.
Ma'am, your hypothesis is based on an optimist indian investor who wishes this correction gets over soon with help of foreign investment.
I didnt find any credible data in your video to back it up......Mr A.Shrivastava has made a good video pertaining to this (with 1 scenario being the rosy picture ) maybe you should check ot out.
Not being condescending but you need to give data rather than painting a rosy picture like godi propagandists does.
Nothing seems to be positive for NRIs to invest right now. The only beneficiary from this would be the RBI who is going to be getting more USD.
We dont need IOUs straight out of a printing press. Thats the Dollar and unlike Japan and China, our long term focus is too much for your tiny brain to comprehend.
The USD is TP ie toilet paper and the whole world knows it.
Guys, don't get carried away. The age of arrogance is over. But I did like the satire.
One day suddenly they will come and announce LTCG is increased to 30% or it will be included in your income tax slab or send tax notice for retrospective transactions. Why should i invest in a country with no clear and stable policy? Plus ruppee deprication. Wise people wont invest in a country known for Tax Terrorism.
Pls do breakdown on accounts available
Agree to disagree, it's not going to happen, the India story has been hijacked by religion. The mindset is heading the other way. We are stagnated in comparison to others. The very fact that brain drain is up and the NRI had already seen what the problems were and they will continue to see that. 😂
This is a paid video, my comment was deleted since it provided a counter argument.
Faye you should not talk about things that you have zero knowledge about.. such as Finance and economics. Please spare the common masses 🙏🏽
U r expert in news media but don’t invest in Shares Market by NRI
AND also Not to keep money in India in banks by NRI
BANKING SYSTEM INDIAN will COLLAPSE
Modi said vikist Bharat 2027 and now 2080 wen all above 50 will go to heaven
NRI SHOULD NOT INVEST IN SHARES AND NOT TO KEEP IN BANK
They are looking for you and soon you will be deported to Pakistan. Invest there.
Please explain nre nro account
Big fan but you're wrong! Poor analysis.
Why will I convert to a weaker currency while the government doesn't even understand economics?
If I invest in Sp500, I'd still make more wealth than being invested in Indian economy, that's after rupee devaluation, inflation and tax adjusted. Do the math with average numbers.
India has some of the worst percentage to GDP on RnD and education spending in top 20 economies even though India is 3rd biggest.
Unskilled population.
Regulated market you said? We're scared to bring money because of people like Madhavi Buch and Nirmala thai who are all sketchy and a government that cannot let any regulatory body in India including RBI to function with autonomy.
If I'm retiring in India, I'll grow wealth outside and then bring the money in when I need it.
More?
No foreign investor would spend money in a state like UP or Bihar due to the communal tensions and one sided governments. Forget about the unskilled youth.
Please look into China and just open your eyes to see how they did it and how much it took them as a country to challenge USA. India can only dream. There no such talent in our government who can even remotely coordinate such a nationwide effort.
India was a great hedge against China about 15-20 years ago when both economies were of similar size. China clearly outpaced India and almost 6x their economy while India is now 1/6th of Chinese economy.
Again, no reason to bring money to India.
Ease of doing business is ranked at around 60th for worlds 3rd largest economy lol. What a bloody joke.
Uneducated politicians after fighting tooth and nail would finally get to a chair when they're 60 and they can't give 2 ducks about the Indian economy.
Aging population.
China just resurfaced about 150 km of their busiest road with just machines and almost no humans involved. While Indian streets are resurfaced by garbage and cow poo.
U r sapera because I see your audience becoming snacks that you gave milk to them.
Today stocks dropped
Yay. Dont worry, I will send you a rice bag everyday.
Ayo NRIs don't repatriate your money to India. All NRIs are getting tax notices to prove the source of funds. Also, if you make more than 15 lac/yr from India then you might be liable to pay tax on your worldwide income. Be careful.
If its not happening right now, be sure Sita tai will soon implement something to screw NRIs. Right now she is just waiting for NRI to lock more money in India/Rupee.
Working age population who is majorly unemployment