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Investment & Financial Planning

RBI Guidelines for NRI investment in Real Estate

Ritesh JainBy Ritesh Jain |Last Updated: February 20, 2026
RBI Guidelines for NRI investment in Real Estate
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  3. RBI Guidelines for NRI investment in Real Estate
  4. Reading Time: 8 mins

For NRIs, investing in real estate is a significant avenue. It offers them both a connection to their Indian roots and financial growth. However, to handle the complexities of Indian real estate laws and regulations, you need to understand RBI guidelines for NRI investment in real estate. It further helps in ensuring a legal and smooth investment process. 

To help you out, this comprehensive blog has covered the key factors of NRI real estate investment in India. It includes eligibility, property types, RBI and FEMA guidelines, and other relevant details. So read on and gather all the information. 

Ritesh Jain
Ritesh Jain(Tax Expert)

Mr. Ritesh has 20 years of experience in taxation, accounting, business planning, organizational structuring, international trade financing, acquisitions, legal and secretarial services, MIS development, and a host of other areas. Mr Jain is a powerhouse of all things taxation.

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Frequently Asked Questions

Yes, without special permission under the Foreign Exchange Management Act (FEMA), NRIs can freely buy residential and commercial property in India. However, they cannot directly buy farmhouses, agricultural land, or farmhouses. Transactions via NRE/ NRO accounts or inward remittances should be done in Indian rupees.

No, there are no limits for investment in immovable properties shown under the RBI guidelines. Considering this, NRIs, PIOs, and OCIs can invest in any number of commercial or residential properties in India. However, under the FEMA regulations, they are not permitted to buy agricultural land, farmhouses, or plantation property.

Under the FEMA regulations, NRIs and OCIs can freely buy residential or commercial properties in India without taking special approval from the RBI or minimum/ maximum pricing guidelines. Considering this, all the transactions should be made through authorized banking channels in INR with no cash allowed.

Yes, there are special considerations when buying property from an NRI seller. Under the FEMA and the Income Tax Act 1961, it includes specific legal, tax, and procedural considerations. Additionally, the most critical factor is the responsibility of the buyer under Section 195 to deduct Tax Deducted at Source (TDS). Further, compared to resident sellers, it is significantly higher and more difficult.