AnandRathi

NRI Demat Account

Whatever your investing style, we have a solution for you

Free* AMC

For First Year

0 Account

Opening Charges

8 Lakh +

Customers

NRI Demat Account

Why Choose Anand Rathi for NRI Demat Account?

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 personalised 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

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.

Non-Resident Ordinary (NRO) Account

Non-Resident Ordinary (NRO) Account

Designed for NRIs looking to manage income earned in India, such as rent or dividends. While funds in this account are non-repatriable (subject to specific limits), it enables investments in Indian equities and other assets seamlessly.

Portfolio Investment Scheme (PIS) Account

Portfolio Investment Scheme (PIS) Account

Under the PIS framework, NRIs can invest directly in Indian stocks listed on recognized stock exchanges. This account ensures compliance with regulatory guidelines and simplifies equity investments.

Easy Tax Compilance for NRI Demat Account in India

NRI Tax Compliance Illustration
Double Taxation Avoidance Agreements (DTAA)

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.

Tax Deducted at Source (TDS)

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.

Repatriation Assistance

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.

Documents Required for NRI Demat Account

Documents Required for NRI Demat Account

PAN Card

Passport

OCI/PIO card

Proof of address (Indian and overseas)

Specified bank accounts (NRE/NRO)

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

FAQs

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.

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.

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
  • Mutual Funds
  • Initial Public Offerings (IPOs)
  • Fixed Income Instruments
  • Real Estate Investment Trusts (REITs)
  • Derivatives Trading

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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.
Prevent Unauthorized Transactions in your demat account → Update your Mobile Number with your Depository Participant. Receive alerts on your Registered Mobile for all debit and other important transactions in your demat account directly from CDSL.•No need to issue cheques by investors while subscribing to IPO. Just write the bank account number and sign in the application form to authorise your bank to make payment in case of allotment. No worries for refund as the money remains in investor's account.•KYC is one time exercise while dealing in securities markets - once KYC is done through a SEBI registered intermediary (broker, DP, Mutual Fund etc.), you need not undergo the same process again when you approach another intermediary.•Prevent Unauthorized Transactions in your demat account → Update your Mobile Number with your Depository Participant. Receive alerts on your Registered Mobile for all debit and other important transactions in your demat account directly from CDSL.•No need to issue cheques by investors while subscribing to IPO. Just write the bank account number and sign in the application form to authorise your bank to make payment in case of allotment. No worries for refund as the money remains in investor's account.•KYC is one time exercise while dealing in securities markets - once KYC is done through a SEBI registered intermediary (broker, DP, Mutual Fund etc.), you need not undergo the same process again when you approach another intermediary.