SIP in India: A Complete Guide for NRIs
The growth of the Indian market has attracted the attention of NRIs worldwide. Mutual funds have certainly caught the attention here, thanks to their diversification and ease of investment. For those new to investing, SIP India presents a great option. . We will also help you find the best investment SIP in India and other factors that you need to know. read more
4.7/5
43,082
ReviewsCentral Bank UAE Registration No.: - 123
Insurance Partners
Trusted Customers
Policies Sold
Get AED 1 Million Returns*
Best Investment Plans in UAE
Some of the best Investment quotes in UAE & Dubai are:
Can NRIs Invest in SIP India?
Yes, NRIs can easily invest in mutual funds in India via SIPs. However, they must adhere to the Foreign Exchange Management Act (FEMA), which does not allow mutual fund investments in foreign currencies.
How to Invest in SIP in India?
Here’s how you can invest in an SIP in India —
- Open an NRE or NRO account
- Once the account is activated, you can directly invest or use Power of Attorney (PoA)
- Complete the KYC process by submitting a few details — this may include a copy of your passport, date of birth, and address
Important: For SIPs in India, NRIs get two options — repatriable and non-repatriable investments.
For the repatriable option, you need to open a non-residential external (NRE) or a foreign currency non-resident (FCNR) bank account. With a non-resident ordinary (NRO) bank account, however, repatriation limits may apply.
What are the Benefits of SIP Plans for NRIs?
Here are the benefits of SIP investments in India for NRIs —
- Easy to start — you can begin investing in mutual funds with a small capital as low as INR 100 (~AED 4.3)
- High returns — Nifty 50, an index of India’s 50 companies, has a compound annual growth rate (CAGR) of around 17.9% over the last 5 years. With SIPs, you can get even higher returns than this, although some risk would be involved.
- Large number of options
- High flexibility — you can easily choose the investment plan amount and the duration as per your financial plan
- Cost averaging
- Development of financial discipline over time
Is SIP Tax Free in India?
Most SIPs are not tax-free in India. In fact, they are subject to capital gains tax, which is calculated as per the duration for which the funds were held.
As per the latest regulations, short-term capital gain (STCG) tax can go up to 20%. Long-term capital gain (LTCG) tax, meanwhile, can go up to 12.5%.
However, if you invest in an equity-linked savings scheme (ELSS) fund, you can claim a deduction for tax of up to INR 150,000.
Who should buy SIPs?
If you want to regularly invest in mutual funds and create wealth in the long run, you can invest in SIPs.
Can NRIs invest in SIPs?
Yes, NRIs can easily invest in SIPs in India.
How to choose the best mutual fund for SIP in India?
You can compare the top mutual funds and check their past returns, expense ratios, risk factors, exit loads, and similar aspects to find the best one for yourself.
More From Investment
- Recent Articles
- Popular Articles
Last Updated : 18 Jun 2026ELSS vs Equity Mutual Funds: Key Differences, Benefits & Which is BetterCompare ELSS vs equity mutual funds. Understand the difference between ELSS and equity mutual fund investments, tax benefits, lock-in periods, liquidity, returns, and which option suits your financial goals better.
Last Updated : 18 Jun 2026SGB vs Mutual Funds: Which Investment Option is Better for UAE Expats in 2026Compare SGB vs mutual funds in 2026 for UAE expats and residents. Understand sovereign gold bonds vs mutual funds, returns, risks, taxation, liquidity, and which investment option suits your financial goals better.
Last Updated : 18 Jun 2026Best SBI Investment Plans for 3 Years in 2026 for UAE NRIsDiscover the best SBI investment plans for 3 years in 2026 for UAE NRIs and expats. Compare SBI SIP plans, mutual funds, FDs, debt funds, and hybrid funds for stable returns and long-term growth.
Last Updated : 04 May 2026Mutual Fund Interest Rates & Returns Explained | Average & High Return Mutual FundsUnderstand mutual fund interest rates and what drives returns. Learn about average mutual fund returns, high return mutual funds, and how NRIs can maximise long-term growth.
Last Updated : 30 Apr 2026How to Start Investing at 25 with ₹30,000 Salary | Best Investment Plan for 25 Year OldLearn how to start investing at 25 with a ₹30,000 salary. Discover the best investment plan for 25 year old, SIP strategies, and where to invest for long-term growth from the UAE.
Last Updated : 15 Apr 2026Silver ETF: Best Silver ETFs, Returns & Why UAE Investors Are Buying in 2026Explore what a silver ETF is, best silver ETFs, returns, and why they are outperforming stocks in 2026. Learn how UAE investors can invest in silver ETF stocks for diversification.
Last Updated : 11 May 202610 Best Mutual Funds in UAE to Invest to Right NowDiscover the top 10 best mutual funds in UAE and Dubai for 2026. Compare performance, features, and find the best mutual fund investment in UAE for your goals.
Last Updated : 18 Jun 2026Top 10 Best Trading Platforms in UAE, Dubai (2026)Explore the 10 best online trading platforms in the UAE, including eToro, Plus500, and Interactive Brokers. Learn about their features, benefits, and safety measures for both beginners and seasoned traders.
Last Updated : 25 Jun 202615 Best Short Monthly Investment Plan in UAE with High ReturnsRecurring Deposits (RDs) are among the best monthly investment plans in UAE for those who prefer to save consistently over time.
Last Updated : 02 Jul 2026Top 10 Best gold Shops to buy gold in Dubai, UAEHere we have listed down the top 10 gold shops to buy gold in the UAE that has a great reputation in the market and sell pure quality of gold.
Last Updated : 10 Dec 2025 How to Invest AED 10,000 in UAE to Multiply Your Money?Explore the best investment plans in UAE's thriving market to invest your AED 10000 to help you turn your savings into a profitable venture.- Last Updated : 08 Jul 2026Gold Rate in Abu Dhabi – 22K & 24K Gold Price in AEDCheck gold rate in Abu Dhabi for 18K, 21K, 22K, and 24K gold. View real-time gold prices per gram, historical trends, price charts, and expert insights before buying gold in Abu Dhabi.
Reviews