Your Trusted Partner for NRI Investments in India
Demystifying Indian mutual funds for NRIs. We provide expert guidance and seamless solutions, integrating advanced digital tools with personalized expertise to help you achieve your financial aspirations from anywhere in the world.
Explore the NRI FrameworkUnderstanding the NRI Investment Framework
Investing in India from abroad requires navigating a specific regulatory landscape. This section breaks down the essentials: from defining your NRI status to choosing the right bank account for your investments.
Who is an NRI?
An individual is an NRI if they are an Indian citizen residing outside India for 182 days or more in a financial year for employment, business, or other valid reasons. OCI and PIO cardholders are also eligible to invest.
Your status can change if you return to India or a resident moves abroad. This impacts KYC, bank accounts, and tax planning. We provide continuous support through these transitions.
Essential Bank Accounts: NRE vs. NRO
Choosing between an NRE (Non-Resident External) and NRO (Non-Resident Ordinary) account is a critical first step. Your choice impacts how you can move your money and how it's taxed in India. Explore the key differences in the interactive chart.
Our Tailored Solutions for Your Journey
We offer a comprehensive suite of services designed to address every aspect of your investment journey, from initial planning to ongoing management and repatriation.
Required KYC Documents
The Know Your Customer (KYC) process is a mandatory step for all investors. To ensure a smooth onboarding experience, please have the following documents ready. We will assist you in verifying and submitting them.
For Indian Passport Holders (NRIs)
- 1. Self-attested copy of Indian passport (first and last page).
- 2. Self-attested copy of your Overseas Address Proof. Acceptable documents include utility bills, driving license, or a bank statement (not more than 3 months old) with the foreign address.
- 3. Copy of Indian PAN Card.
- 4. Copy of cancelled cheque of your NRE/NRO bank account with your name pre-printed.
- 5. Duly filled and signed Common Application Form for the chosen mutual fund scheme.
For OCI/PIO Card Holders
- 1. Self-attested copy of Passport of your home country.
- 2. Self-attested copy of Overseas Citizenship of India (OCI) or Person of Indian Origin (PIO) card.
- 3. Self-attested copy of Overseas Address Proof.
- 4. Copy of Indian PAN Card.
- 5. Copy of cancelled cheque of your NRE/NRO bank account with your name pre-printed.
Please note: All documents must be self-attested. For certain countries, a notary attestation may be required. We will guide you through this process during onboarding to ensure all documents meet regulatory standards.
Interactive NRI Tax Guide
Taxation is a key concern for NRIs. Use our interactive tool to understand the potential tax implications on your mutual fund gains in India based on fund type and how long you hold your investment.
Calculate Your Potential Tax
Your Results:
Leveraging DTAA
India has Double Taxation Avoidance Agreements (DTAAs) with over 90 countries. These treaties can prevent your income from being taxed twice. We provide expert guidance on claiming DTAA benefits, which could significantly reduce your tax liability or, in some cases, even result in zero capital gains tax in India.
Why Choose M-Vita Services?
Expertise & Transparency
Our specialized experience in NRI investments ensures you receive unbiased, research-based advice. We prioritize transparency and credibility in every interaction.
Client-Centric Approach
Your financial well-being is our priority. We offer a dedicated Relationship Manager and personalized solutions to build an enduring partnership.
Seamless Digital Experience
Our user-friendly online platform and mobile app allow you to manage your investments 100% online, from anywhere in the world, at any time.