Everything you're supposed to know,
not buried.

FEMA rules for NRIs

NRIs can buy residential or commercial property in India without RBI approval. Agricultural land, plantations, farmhouses — not allowed.

Tax on rental income

Indian rental income is taxable in India. TDS at 31.2% applies; you can claim credit under DTAA in your resident country.

NRI home loan

HDFC, ICICI, SBI offer NRI home loans up to 80% LTV at domestic rates. Tenure: up to 20 years or retirement, whichever earlier.

Power of Attorney

Required for registration, handover, ongoing representation. Specific (not general) POA recommended.

Repatriation on sale

Sale proceeds of up to 2 residential properties fully repatriable; subject to tax clearance (Form 15CA / 15CB).