AnandRathi

Open NRI Demat Account

An NRI Demat Account is your gateway to invest in India’s vibrant financial markets, offering access to equities, mutual fund investment, IPO investment, and more. Whether you’re looking to diversify your portfolio or take advantage of India’s growing economy, an NRI Demat Account gives you the tools to succeed.

Anand Rathi’s NRI Demat account is fully Foreign Exchange Management Act (FEMA) compliant and designed for the needs of Non-Resident Indians (NRIs), Persons of Indian Origin (PIOs), and Overseas Citizens of India (OCIs).

  • Earn abroad, invest in rupees—explore India's diverse equity market
  • Repatriate up to USD 1 million per financial year
  • Access India's vibrant IPO market and invest in emerging sectors
  • Participate in markets that received FDI of USD 667.4 billionbetween 2014 and 2024
Equity Market

The India Advantage

Why Invest in India?

India’s dynamic economy offers many investment opportunities to non-resident Indians (NRIs). Understanding recent trends and market developments can help capitalize on these prospects effectively:

Rapid Economic Growth

Rapid Economic Growth

India remains one of the fastest-growing economies globally, supported by robust domestic consumption and increasing foreign investments.

Retail Participation Surge

Retail Participation Surge

With over 171 million demat accounts as of 2024, retail participation in equities and mutual funds continues to grow, highlighting a thriving investment culture.

Anand Rathi: The Perfect Partner for NRI Demat Accounts

Anand Rathi provides comprehensive solutions tailored to the unique needs of NRIs, ensuring a seamless and secure investment experience:

Regulatory Compliance

Regulatory Compliance

Full compliance with SEBI, RBI, and FEMA guidelines, for a secure and reliable investment process.

Dedicated Relationship Manager

Dedicated Relationship Manager

A dedicated relationship manager assists every NRI client with personalized guidance and help with portfolio management.

Multi-Currency Flexibility

Multi-Currency Flexibility

Enjoy hassle-free transactions with support for transactions in multiple currencies, simplifying repatriable and non-repatriable investments.

24/7 Online Access

24/7 Online Access

Manage your investments from anywhere in the world with our intuitive digital platform, offering round-the-clock access to trading, reports, and updates.

Comprehensive Investment Options

Comprehensive Investment Options

Invest in equities, mutual funds, IPOs, and other instruments, all tailored to align with the specific financial needs of NRIs.

Types of NRI Demat Account

NRIs have access to multiple types of accounts based on their specific investment goals and repatriation requirements:

Non-Resident External (NRE) Account

Non-Resident External (NRE) Account

Allows NRIs to invest in India with the flexibility of repatriating funds back to their country of residence. This account is ideal for individuals earning income abroad who wish to invest in Indian markets without facing restrictions on fund transfers.

Each account type is tailored to meet the diverse requirements of NRIs. At Anand Rathi, we help you select and set up the right account based on your financial goals and regulatory considerations.

Trading and Investment Opportunities for NRIs in India

An NRI Demat Account opens the door to a wide range of trading and investment opportunities in India:

Equity Investments

Invest directly in companies listed on Indian stock exchanges through the Portfolio Investment Scheme (PIS).

Equity Investments

Mutual Funds

Invest in various mutual fund schemes — including equity, debt, and hybrid funds for risk-controlled, diversified growth in the long term.

Mutual Funds

Easy Tax Compliance with your NRI Demat account

India’s tax landscape can be complicated for NRI’s opening NRI Demat accounts and trading accounts. Anand Rathi’s expert support ensures consistent compliance and helps you optimize tax obligations:

  1. Double Taxation Avoidance Agreements (DTAA)

    Anand Rathi demat accounts for NRIs and adheres to DTAA provisions, avoiding double taxation in India and your country of residence.

  2. Tax Deducted at Source (TDS)

    For NRIs, TDS is applicable on various investment incomes, including dividends and capital gains. Anand Rathi’s advanced investment platform decodes and displays TDS deductions to avoid surprises.

  3. Repatriation Assistance

    Our expert team provides guidance on repatriating funds from India while adhering to RBI regulations, ensuring a smooth and tax-compliant transfer process.

Investment Guide for NRIs

Investing in India as an NRI is a straightforward process with the accounts and compliance formalities in place:

Here’s a step-by-step guide to start your investing journey with Anand Rathi:

1.

Open an NRI Bank Account

Choose between an NRE or NRO account based on your repatriation needs.
2.

Complete KYC Documentation

1. Ensure your KYC is up to date by submitting the following documents:

  • PAN Card
  • Proof of Identity (Passport, OCI/PIO card)
  • Proof of Address (Utility Bill, Bank Statement)
3.

Open an NRI Demat and Trading Account

This account will serve as the hub for all your investments and trading in India. Opening a FEMA-compliant NRI trading account with Anand Rathi online is simple and seamless.
4.

Fund Your Account

Transfer funds to your NRE or NRO account and link it to your trading account to start investing.
5.

Choose Yours Investment Option

Explore investment opportunities, including equities, mutual funds, IPOs, and fixed-income instruments, based on your long-term financial goals.
6.

Track and Manage Investments

Use Anand Rathi’s user-friendly digital platform to monitor your portfolio, receive updates, and adjust your investments as needed.

Regulatory Checklist for NRI Investments in India

  1. Investing in India as an NRI is governed by comprehensive guidelines established by SEBI and FEMA:
  2. NRIs can invest in Indian public markets through the Reserve Bank of India’s Portfolio Investment Scheme (PIS) linked to an NRE or NRO account
  3. Share purchases and sales must happen through recognized stock exchanges.
  4. Intraday trading and short selling of stocks is not permitted for NRI Demat accounts
  5. NRI’s can invest in most sectors without restriction, with some limitations applicable in agriculture and real estate.
  6. Depending on the duration and profit from the sale, NRI’s are liable to pay capital gains tax in India

Anand Rathi ensures full compliance with these guidelines while offering expert assistance to help NRIs navigate the regulatory landscape confidently. Start your investment journey with a trusted partner who prioritizes transparency and adherence to the highest standards.

NRI Demat Account FAQs

Your Questions, Answered

NRI Demat Account can seem complex, but we’ve got you covered. Our comprehensive FAQ section answers common questions like:

Who is considered an NRI?

An NRI, or Non-Resident Indian, is an Indian citizen who resides outside India and meets specific residency criteria as detailed by India’s Income Tax Act.

What is the difference between PIO and OCI?

Person of Indian Origin (PIO): A foreign citizen of Indian origin.

Overseas Citizen of India (OCI): A special status offered to PIOs for lifelong residency and travel privileges in India. Both can open NRI Demat Accounts.

What are the regulations for NRIs to invest in India?

NRIs must comply with SEBI, FEMA, and RBI guidelines, including routing investments through NRE/NRO accounts and adhering to the Portfolio Investment Scheme (PIS) for equity trading.

What taxes apply to NRIs on their investments?

Short-Term Capital Gains (STCG): 15% on equity investments.

Long-Term Capital Gains (LTCG): 10% on equity gains exceeding ₹1 lakh. Other investment types may have different tax implications.

Do NRIs need a Demat Account to invest in India?

Yes, a Demat account is mandatory to hold shares and other securities in electronic form.

What documents are required to open an NRI Demat Account?

You’ll need:

  • PAN Card
  • Passport
  • OCI/PIO card
  • Proof of address (Indian and overseas)
  • Specified bank accounts (NRE/NRO)

How do NRIs open an NRI Demat Account?

For NRI’s who have NRE/NRO bank accounts, opening an NRI demat account online only requires signing up with their chosen broker, completing KYC requirements, and linking their relevant bank account.

Can NRIs invest in mutual funds in India?

Yes, NRIs can invest in Indian mutual funds using NRE or NRO accounts. Repatriation options depend on the type of account linked to the investment.

Are there restrictions on NRI investments?

NRIs cannot invest in certain sectors, such as agricultural and plantation businesses. However, equities, mutual funds, and fixed-income instruments are fully accessible.

What is the role of FEMA in NRI investments?

FEMA (Foreign Exchange Management Act) governs foreign exchange transactions and ensures compliance with investment regulations for NRIs in India.

How can NRIs repatriate funds?

According to prevailing Indian laws, repatriation is specifically allowed through NRE accounts. Depending on the context, this may require additional documentation such as a certificate from a chartered accountant and RBI approval.

Can NRIs apply for IPOs in India?

Yes, NRIs can apply for IPOs through their NRI Demat and trading accounts. Anand Rathi provides guidance to make the process smooth and hassle-free.
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Registered Office:

Express Zone A Wing 10th Floor, Western Express Highway, Goregaon east, Mumbai - 400063

Corporate Office:

11th Floor, Times Tower, Kamala Mills, Senapati Bapat Marg, Lower Parel, Mumbai - 400 013

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Anand Rathi Share and Stock Brokers Ltd.
SEBI Registration No.: INZ000170832 (BSE-949 | NSE-06769 | MSEI-1014 | MCX-56185 | NCDEX-1252), CDSL & NSDL: IN-DP-437-2019. *Research Analyst - INH000000834. PMS: INP000000282 is Registered under "Anand Rathi Advisors Limited" | MBD-INM000010478 is Registered under "Anand Rathi Advisors Limited"| NBFC is Registered under "Anand Rathi Global Finance Limited" Regn. No.: B-13.01682 | Insurance is Registered under "Anand Rathi Insurance Brokers Ltd." License No. 175. Insurance Corporate Agent: CA1048 (This registration shall be valid from 04-Jun-2025 to 03-Jun-2028).

Anand Rathi International Ventures (IFSC) Private Limited.
SEBI Registration No.: INZ000292939 (INDIA INX Member Code: TM - 5064 | NSE IX Member Code: TM -10048, IIBX Member Code: TM – 2011), IIDI DP ID 350071 AND Registration No.: IFSCA/DP/2022-23/007, IFSCA/CMI/Distributor/2023-24/0002. CIN No.: U65999GJ2016PTC094915. For any complaints email at Ifscgrievance@rathi.com. Regulator: International Financial Services Centres Authority (IFSCA)- https://www.ifsca.gov.in/

Disclaimer:

Equity: Investment in securities market are subject to market risks, read all the related documents carefully before investing.

The securities are quoted as an example and not as a recommendation.

Mutual Funds: Mutual Fund investments are subject to market risks, read all scheme related documents carefully before Investing. AMFI-Registered Mutual Fund Distributor: ARN-4478 (Initial Registration 4th Feb, 2003 & Valid From 2nd April, 2025 - 1st April, 2028) : Anand Rathi Share and Stock Brokers Ltd. | ARN-111569: Anand Rathi Wealth Limited | ARN-100284: AR Digital Wealth Private Limited.

IPO: Opening of account will not guarantee allotment of shares in IPO. Investors are requested to do their own due diligence before investing in any IPO.

*Third Party products: All third-party products like PMS, Mutual Funds, Fixed Income Products, IBS, Bonds, AIFs are not Exchange traded product and "ARSSBL" is just acting as distributor. All disputes with respect to the distribution activity, would not have access to Exchange investor redressal forum or Arbitration mechanism.

MTF: MTF is subject to the provisions of SEBI Cir. CIR/MRD/DP/54/2017 dt June 13, 2017 & terms and conditions mentioned in rights and obligations statement issued by the ARSSBL

Investment Baskets: Baskets are not Exchange traded product, all disputes with respect to this activity, would not have access to Exchange investor redressal forum or Arbitration mechanism.

Research Analyst: The views expressed in this website accurately reflect the personal views of the analyst(s) about the subject securities or issuers and no part of the compensation of the research analyst(s) was, is, or will be directly or indirectly related to the specific recommendations or views expressed by the research analyst(s). The advertisment are bound by stringent internal regulations and also legal and statutory requirements of the Securities and Exchange Board of India (hereinafter "SEBI").

Certification: Registration granted by SEBI and certification from NISM is in no way a guarantee of performance of the intermediary or provides any assurance of returns to investors.

*Award Winning Research: Anand Rathi Share and Stock Brokers Limited (Research Analyst) was awarded as "Best Equity Advisor" at World BFSI Congress & Awards 2022

*Client Data: Client data shown on this website is as on 31st March 2025

Trading View: Anand Rathi has partnered with TradingView for its charting technology. A global platform offering heatmaps, STOCK SCREENERS and market data.

By submitting this form, I hereby provide my explicit consent to be contacted by Anand Rathi Group and its associate companies via phone call, SMS, email, or WhatsApp for information related to products and services, even if I am registered on DND.

Attention Investors:

  • For all communication related to vulnerability reporting, security alerts, or any other suspicious activity related to cyber security, contact priyanksheth@rathi.com/+91-22-62811514"
  • For any complaints email at grievance@rathi.com, For DP related queries/complaints email at dp@rathi.com
  • For any Mutual Fund-related complaints, please email customersupport@rathi.com.
  • For further escalation, you may contact mf@rathi.com.
  • Filing of complaints on SCORES – Easy & quick a. Register on SCORES portal b. Mandatory details for filing complaints on SCORES: I. Name, PAN, Address, Mobile Number, Email ID c. Benefits: I. Effective communication ii. Speedy redressal of the grievances.
  • Stock Brokers can accept securities as margin from clients only by way of pledge in the depository system w.e.f. September 1, 2020.
  • Update your mobile number & email Id with your stock broker/depository participant and receive OTP directly from depository on your email id and/or mobile number to create pledge.
  • Pay 20% upfront margin of the transaction value to trade in cash market segment.
  • Investors may please refer to the Exchange's Frequently Asked Questions (FAQs) issued vide circular reference NSE/INSP/45191 dated July 31, 2020 and NSE/INSP/45534 and BSE vide notice no. 20200731-7 dated July 31, 2020 and 20200831-45 dated August 31, 2020 dated August 31, 2020 and other guidelines issued from time to time in this regard
  • Check your Securities /MF/ Bonds in the consolidated account statement issued by NSDL/CDSL every month.