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NRI Helpdesk

Overview

A home back in India is more than just a dream—it’s a meaningful connection to your roots and a promising financial investment for Indians living abroad. While finding the right opportunity that blends emotional value with smart investment returns can be challenging, real estate stands out as one of the most reliable and rewarding options. Property investments not only offer long-term security but also deliver multiple benefits such as appreciation, rental income, and stability.

At Nyati Group, we understand the aspirations of NRIs who wish to own a piece of their homeland. From choosing the right property to managing the entire investment process seamlessly, our team ensures a smooth, transparent, and rewarding experience every step of the way.

Invest with the best

Property investments are huge and thoughtful decisions. These are sometimes once-in-a-lifetime & long-term investments. So why not make it with the finest choice available-with the most preferred real-estate brand in Pune.

Expert Guidance

Established Reputation

Quality Assurance

70+ Premium Projects

NRI Services

Why Pune

Scenic Beauty

Cosmopolitan Lifestyle

Education Hub

Industrial Growth

Infrastructural Development

Modern Amenities

Smart City Initiatives

High Returns

Why Nyati Group?

Nyati Group has emerged as a leader in Pune real estate development through its prowess in delivering quality services. Your journey with Nyati Group will start with registering interest and will go on forever.

Proven Track Records

Customer-centric Approach

Trust & Transparency

Strategic Locations

Holistic Lifestyle

Convenience

Nature’s Bounty

Post-Sales Services

FAQ

Who is a Non-Resident Indian (NRI)?

An Indian citizen who lives in India for less than 182 days during the preceding financial year, or who has gone out of the country or stays outside the country for the purpose of employment, is called a Non-Resident Indian (NRI).

Who is a PIO?

A Person of Indian Origin (PIO) is a foreign citizen (except a national of Pakistan, Bhutan, Afghanistan, Sri Lanka, Bangladesh, China, Iran, and Nepal) who at some point held an Indian passport, or whose parents/grandparents/great grandparents were born and permanently resided in India as defined in the Government of India Act, 1935, provided that none were citizens of the mentioned countries. A spouse of an Indian citizen or PIO is also considered a PIO.

Who is an OCI?

Overseas Citizenship of India (OCI) is an immigration status that allows a foreign citizen of Indian origin to live and work in India indefinitely.

Can an NRI buy property in India?

Yes. An NRI can buy residential or commercial property in India without any limit on the number of properties. However, NRIs cannot buy plantation land, agricultural land, or a farmhouse. They cannot even receive such property as a gift, though they may inherit it.

Can NRIs acquire loans for buying a flat/house from financial institutions providing housing finance?

Yes. The Reserve Bank of India (RBI) has permitted select financial institutions to provide housing loans to NRIs for acquiring houses or flats for self-occupation, subject to specific conditions.

Are there any restrictions on the number of properties that NRIs can buy in India?

No, there are no restrictions. NRIs can own any number of residential or commercial properties in India.

While buying real estate, most developers demand a Power of Attorney (POA) in their favour. Can this be avoided?

Yes, granting a Power of Attorney is optional. However, if you choose not to give a POA, all documents will have to be mailed to your foreign address, which may result in processing delays.

How much loan can an NRI get?

An NRI can acquire a home loan of up to 85% of the total consideration value of the property.

What is the tax treatment for income accrued from property renting or selling for NRI/PIO/OCI?

Income tax is not applicable on the mere acquisition of property. However, income generated from rent or the annual value of the property (if not rented and not the sole property) and short-term or long-term capital gains from selling the property are taxable in the owner's hands.

Can an NRI give a Power of Attorney (POA) to a person in India to complete the loan formalities on their behalf?

Yes. NRIs can authorize someone in India through a POA to complete loan formalities. The Government of India allows 100% repatriation for NRIs, and RBI permits certain institutions like HDFC and LIC Housing Finance to provide loans to NRIs for self-occupied residential properties under specific conditions.

Does the Capital Gains Tax (CGT) apply to NRI / PIO / OCI?

Yes. Both long-term and short-term capital gains are taxable for non-residents.

Who should file tax returns?

NRIs/PIOs/OCIs must file tax returns if their taxable income in India exceeds ₹1.6 lakh during the year or if they have capital gains from the sale of investments or assets, even if the gains are below the exemption limit. Note: Enhanced exemption limits for senior citizens and women apply only to residents.

What is the easiest & best way to file tax returns?

Earlier, NRIs could file returns by granting a POA or sending documents to a tax expert in India. Now, the easiest and most convenient method is filing online using various e-filing platforms.