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How Can Nris Raise Funds In India?

By Author: Neha Sharma
Total Articles: 874

Working abroad will provide you with plenty of options to earn beneficially. Additionally, there are plenty of options to invest abroad, that will provide you with exceptional returns. This also includes the investment options in the home country. With the right strategy, market conditions and the right options, you can easily invest in financial options in India. So how can an NRI raise funds in India? With these few options, this can be easily done.

NRI Loan For Your Home

Everyone dreams of owning their own home somewhere in the near future. So why not invest in your dream home in your home country? With the NRI loan for homes, you can easily build your dream home within a few years and move in when it is completed. The application process for this financial aid is very simple. Additionally, the eligibility criteria are very basic wherein you need to prove your NRI status and a sufficient annual income. Additionally you can also apply for a home loan improvement, which is an extension to your current home loan. With this extension, you can make additional changes or improvement to your home if you satisfy the criteria for it.

NRI Loan Against Your Deposit

Opening a fixed deposit with foreign currency will provide you with exceptional financial benefits. Each of the different NRI accounts allows you to open a termed deposit, where you can easily invest and earn on the return of investment. You can take advantage of the foreign currency rates and high interest rates to increase you return on investment. Each of these types of accounts will have different facilities and rates. Depending on the type of deposit, you can get a certain percentage of overdrafts. This percentage can range from 75% to 90%, depending on the current market rates. Through this process, you will still retain ownership of the account deposit.

Loan Against Securities

In order to encourage foreign investment, the Indian government has offered various flexible options to NRI’s to invest in the Indian stock market. With equity options like shares, stocks and mutual funds, the return on investments is normally high. Using these equities as collateral, you can easily apply for a NRI loan using this as security. Like the loan against deposits, the ownership is still retained with the account holder. With the right conditions and current market rates, one can get a loan amount of up to 80% of the total collaterals that is pledged. This investment allows you the flexibility of increasing or decreasing the collateral as per the convenience of the account holder.

Always research all the options that are available to find the option that is most beneficial to you. With the right strategy and the right market conditions you can easily apply for NRI financial credit.


Author Bio :- Neha Sharma is a finance student who loved to write during her spare time. She wishes to share all information about the different options to raise funds in India. Through her work, she offered a detailed guide on how an NRI can raise funds with the NRI Loan.

Total Views: 48Word Count: 513See All articles From Author

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