NRI Investment Calculator — Compare NRE NRO FD SIP Returns
Compare NRI investment options in India including NRE FD NRO FD SIP mutual funds and real estate. Calculate returns and understand FEMA regulations.
Non-Resident Indians have unique investment opportunities in India that can yield significantly higher returns than Western markets especially in fixed deposits and mutual funds. NRE fixed deposits offer 7-7.5% interest tax-free in India versus 3-4% in US banks. Indian equity mutual funds have historically returned 12-15% CAGR. However NRI investments involve currency risk FEMA regulations and TDS deductions that must be carefully understood.
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Key Information
| Parameter | Details |
|---|---|
| NRE FD Rate (India) | 7% - 7.5% (tax-free in India) |
| NRO FD Rate (India) | 6.5% - 7.5% (30% TDS + cess) |
| SIP Returns (Equity) | 12% - 15% historical CAGR |
| Currency Risk | INR has depreciated 3-4% annually vs USD |
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Use Calculator NowFrequently Asked Questions
Is NRE FD the best investment for NRIs?
NRE FDs offer 7-7.5% interest completely tax-free in India and fully repatriable. Compared to 3-4% US savings rates this seems excellent but consider INR depreciation of 3-4% annually which reduces effective USD returns to 3-4.5%. For rupee spending goals like children education in India or retirement in India NRE FDs are excellent. For USD goals the currency risk needs consideration.
Can NRIs invest in Indian mutual funds?
Yes NRIs can invest in Indian mutual funds (both SIP and lumpsum) from NRE or NRO accounts. However US and Canada-based NRIs face restrictions as many Indian AMCs do not accept investments from these countries due to FATCA compliance costs. Fund houses like UTI and SBI Mutual Fund accept US NRI investments. Returns are subject to capital gains tax in India with TDS at applicable rates.
Should NRIs buy property in India?
NRIs can buy residential and commercial property in India (not agricultural land). Advantages include rupee cost averaging if buying when INR is weak and potentially high appreciation (5-8% annually). Disadvantages include property management challenges from abroad tenant issues and complex tax reporting in both countries. Rental income is taxable in India (30% TDS) and must be reported in your country of residence.
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Last updated: 24 March 2026