1. Can NRIs invest in government-backed plans in India?

Yes. There are various government-backed plans in India open for NRIs in Qatar, like National Pension Scheme (NPS), government bonds, etc.³

2. Why is investing in India a good idea for NRIs in Qatar?

NRIs in Qatar can avail multiple benefits from investing in India. High returns and tax benefits are some of the leading reasons why investing in India can be quite beneficial.

3. How can NRIs in Qatar choose the best investment plan in India?

NRIs in Qatar are eligible to invest in a wide range of plans in India. To choose the best one, it is crucial to assess your financial goals and risk appetite. Based on your goals, you may choose from life insurance , ELSS mutual funds, real estate, etc.

4. Can NRIs in Qatar avail tax benefits on investments in India?

NRIs in Qatar investing in Indian plans are subject to 20% TDS taxation. However, one may claim tax benefits under Section 54 and Section 54EC of the Income Tax Act of 1961.²

Investment Plans for NRIs in Qatar – Grow Wealth in India

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There are several investment plans in India for NRIs in Qatar. From gold, real estate, and mutual funds to fixed deposits, equities, and commodities, there's a lot to explore. If you are already planning to choose your ideal investment plan in India, below is a comprehensive list of various plans available for NRIs in Qatar:

NRI investment options
1. Direct Equity
  
  NRIs invest in the Indian stock market directly for higher returns associated with risk over the long term. NRI investors can purchase the shares of a company listed on the National Stock Exchange, Bombay Stock Exchange, or both.
2. Mutual Funds
  
  NRIs can also invest in mutual fund options, which extend to equity, debt, or hybrid fund investments and are managed by professional asset managers. Investment in mutual funds for NRIs can be more convenient and profitable over the long term.
3. Real Estate
  
  NRIs can also invest in commercial and residential real estate properties in India and get higher returns in the long term. Investment in real estate is considered one of the best investment options for NRIs.
4. National Pension Scheme
  
  The NPS is a long-term retirement savings scheme that allows individuals to contribute regularly towards their retirement savings while they are employed. It is regulated by the Pension Fund Regulatory and Development Authority (PFRDA) and is one of the best investment options for NRIs planning their retirement in India.
NRI investment options with low risks
1. Savings/ Endowment Insurance Plans
  
  NRIs looking for investment options in India with low risk can consider investing in savings or endowment insurance policies, which offer the dual benefits of life insurance coverage for the entire tenure of the policy and a savings element. The plans provide a death benefit if the life assured passes away during the policy tenure. This helps the family meet the financial loss suffered and meet its financial goals. On the other hand, if the life assured survives the policy tenure, a maturity benefit is paid. This benefit creates a savings corpus that allows policyholders to plan for their financial goals. Persons of Indian Origin (PIOs) and Overseas Citizens of India (OCI) can use life insurance to ensure their loved ones in India stay financially secure.
  
  Endowment assurance plans can also be offered as child plans or pension plans, which help you plan for specific goals.
2. Money-back Insurance Plans
  
  Money-back insurance plans are like endowment plans but with a difference. Under these plans, the sum assured is usually paid in the form of installments at specified intervals during the policy tenure. This payment is called the money-back benefit, and it creates liquidity under the policy. The death benefit remains undisturbed and is paid in full irrespective of the money back benefits paid under the plan. On maturity, the remaining sum assured is paid.
  
  Money back plans might be offered as participating plans which earn bonus. The bonus additions help in enhancing the benefits of the policy and creates a good corpus for your financial goals.
3. Fixed Deposit
  
  NRIs can also park their funds in fixed deposits to earn from interest. Fixed Deposit is an ideal for conservative investors. NRIs can choose to invest in NRO Fixed Deposit accounts, NRE Fixed Deposit accounts or Foreign Currency Non-Resident (FCNR) Fixed Deposit.
4. Public Provident Fund (PPF)
  
  PPF is a long-term savings scheme backed by the Indian government that offers fixed, guaranteed returns higher than regular savings accounts and tax benefits. NRIs planning for long-term financial goals such as their retirement or their children's education can benefit from accumulation in PPF. The NRIs cannot open new PPF accounts but can continue their existing PPF accounts until maturity if any⁸.
5. Money Market Instruments
  
  Money Market Instruments are short-term financial instruments such as Commercial Papers, Treasury Bills, etc., involving lower risk and high liquidity. NRIs are to invest in these securities on a repatriable or non-repatriable basis.
6. Perpetual or PSU (Public Sector Undertaking) Bonds
  
  Perpetual bonds are bonds which cannot be redeemable but offer steady interest pay-outs. They do not have a fixed maturity date but offer regular returns⁹. PSU Bonds are bonds issued by Government enterprises offering fixed rates of interest and involve low risk. These bonds generally have a long-term maturity period¹⁰.
7. Sovereign Gold Bonds (SGBs)¹⁵
  
  SGBs are government securities denominated in grams of gold. These bonds are a substitute for holding physical gold. The value of the SGBs is linked to the price of gold, and the cash benefit can be redeemed after the specified fixed tenure.
NRI investment options for High Net Individuals (HNIs) in India
1. Portfolio Management Services (PMS)¹²
  
  Portfolio Management Services is a professional financial management service offered by professional portfolio managers connection They manage the investment portfolio of the clients connection nthe research team’s guiIndianPortfolio management services can be related to stocks, debt, and other securities.
2. Alternative Investment Funds¹²
  
  AIFs are investment vehicles which collect funds from investors to invest the amounts in different asset classes such as private equity, real estate, hedge funds, etc. It is considered one of the best investment options for potential high returns.
3. Start-ups¹³
  
  NRIs in Qatar can invest in early-stage companies with innovative business models and high growth potential to increase their returns. Investing in start-ups is a good option for HNI NRIs to gain from the growth of these start-ups.
4. Fractional Ownership of Commercial Real Estate (CRE)¹¹
  
  Fractional ownership of CRE allows HNI investors to invest in high-value commercial properties with a limited amount of investment. It enables them to own a property partly and invest in India’s real estate sector.
5. Infrastructure Investment Trust (INVITs)¹²
  
  INVITs are investment vehicles which provide NRIs with an option to invest in developing infrastructure projects in India

To grow your existing wealth, it is essential to keep investing funds. Not only does it build a financial corpus, but it also builds a regular habit of investment. In order to balance the risks and rewards, creating a diverse investment portfolio is a smart decision. As an NRI in Qatar, investing in India can easily help you broaden your investment portfolio. Not just this, there are several other reasons to invest in India, like:

Tax Benefits

By investing in India as an NRI in Qatar, you can avail of several tax benefits. While gains on sale of investment are subject to tax implications, you can enjoy tax benefits under Section 54 and Section 54EC of the Income Tax Act of 1961. So, all you need is smart planning to maximize returns as well as tax benefits.²

Not only this, NRIs in Qatar may also fill out Form 10F along with a Tax Resident Certificate (TRC). Form 10F and TRC lets you claim tax benefits under the Double Taxation Avoidance Agreement (DTAA).
Add to Your Investment Portfolio

As an NRI living in Qatar, you can easily expand your investment portfolio by investing in India. The government in India offers a range of benefits and investment options for NRIs. These may include gold investments, fixed deposits, mutual funds, real estate, equities, commodities, etc. So, do not wait, but start investing today!
Stay Connected With Your Country

Often, NRIs living abroad have a strong desire to stay connected with India. What better way than becoming a part of the Indian economy by investing in various plans? On the one hand, investing in India helps build your financial corpus, and on the other hand, it also keeps you connected with India.
You May Plan Your Retirement

After retirement, it is important to have financial stability to lead a peaceful and sound life. For this, you need to start planning early. Investing in various plans can help you build a strong financial support for post-retirement life.
Competitive Returns

India has a wide range of investment plans to choose from. Additionally, the booming economy of the country also opens the doors to competitive and promising returns on various investments. Choose your preferred plans to maximise returns.