• Who is an NRI?
    An NRI (Non Resident Indian) is an Indian citizen who works abroad or carrying vocation outside India for an uncertain duration is a non-resident.
  • Who is a PIO?
    Person of Indian Origin or PIO is a person, who at any time held Indian passport, or he or his parents / grandparents were Indian citizen as per the Constitution of India or Citizenship Act, 1955.
  • Can an NRI buy immovable property in India?
    Yes, as per the general permission granted by RBI, an NRI can buy immovable property in India without any obstacles.
  • Can a PIO buy immovable property in India?
    Yes, a PIO is eligible to buy property in India.
  • What are the taxes applicable for the income generated from the property?
    Any income accumulated from the ownership of the property, either in the form of rent or annual value of the property or the capital earned upon the sale of the property is taxable.
  • Can an NRI sell his property in India without the RBI’s permission?
    No, NRIs cannot do so.
  • Can an NRI obtain or give off residential properties by means of gift?
    Yes, NRIs are allowed to obtain or give off properties by way of gifts to anyone who may be a citizen of India or a PIO.
  • Can an NRI get loan for purchasing a property in India?
    A certain institutions like LIC Housing Finance Ltd., HDFC, etc. have been granted general permission to provide housing loans to NRIs.
  • Can an NRI buy commercial property in India?
    Yes, properties other than agricultural lands/ plantation property/ farmhouses can be bought by NRIs.

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