NRI property purchase
Buying property in India as an NRI: rules, payments and what to check first
Reviewed October 2026 by Sumit Kumar, Chartered Accountant
NRIs can buy residential and commercial property in India, but not every kind of land. Payments must come through proper banking channels, and the tax picture continues after the purchase. We give the money and tax side of the decision before you commit.
Prefer a set time? Book a consultation · Mon–Sat, 10am–7pm IST
Who this is for
Is this your situation?
- You are considering buying a home or investment property in India.
- You want to understand tax before you decide.
- You plan to finance the purchase from abroad or in India.
Common mistakes
Where people go wrong
- Paying from the wrong account.
- Buying agricultural land without checking if you are allowed to.
- Overlooking the tax on future rent and sale.
What we handle
What we take off your plate
One accountant who is also a registered migration agent, so your tax, your residency and your move are looked at together.
- 01
Eligibility check
What you can buy and how.
- 02
Payment route
The accounts and proofs needed.
- 03
Tax outlook
Rent, sale and host-country consequences.
- 04
Loan structure
How financing interacts with tax and repatriation.
How it works
What happens, step by step
Everything is done online, so where you live makes no difference. We work with clients across many countries.
Step 1
Define the goal
Home, investment or retirement.
Step 2
Check the rules
Eligibility and payment.
Step 3
Model the tax
Across both countries.
Step 4
Complete the purchase
With the paperwork in order.
Documents
What to have ready
Not everything is needed on day one. Send what you have and we will tell you what is missing.
- Passport and OCI or visa
- PAN
- Overseas income proof
- Draft agreement
Why a Chartered Accountant who is also a migration agent
Tax residency and immigration status affect each other. A move, a visa or a return date can change what India taxes. Sumit Kumar is a Chartered Accountant and a Registered Migration Agent (MARN 1803385) who has lived as a migrant himself, so both sides are considered in one conversation.
Enquiry
Tell us where you stand
Where you live, what you own in India and what you want to achieve. That is enough to begin.
Prefer a set time? Book a consultation · Mon–Sat, 10am–7pm IST
FAQs
Questions we get asked
Can an NRI buy any property?
Can I pay in cash?
Can I get a home loan?
Can you help with the legal side of the purchase?
Get a clear view of your position
Send your situation and we will tell you where you stand, what is due and what it will cost, before you commit.