🇺🇸 NRI Guide — USA
Buy Property in India from the USA
Indian-Americans and H1B/Green Card holders — browse 500+ verified Indian properties, get virtual tours, and invest from America with zero commission and full legal support.
Why from USA
Key Advantages for USA NRIs Buying Indian Property
US citizens of Indian origin (OCI/PIO) can purchase residential property in India without RBI approval under FEMA.
US–India DTAA helps avoid being taxed twice on Indian rental income — you declare it in both countries with credit.
Indian real estate has delivered 8–12% annual appreciation in metros — often outpacing US bond yields.
FBAR/FATCA reporting required for NRE/NRO accounts if total exceeds $10,000 — we advise you through this.
Full video walkthroughs and our on-ground team handle site visits on your behalf — buy without flying back.
H1B visa holders and Green Card holders are treated the same as NRIs for property purchase purposes.
Where USA NRIs Invest
Most Popular Indian States & Cities
Step by Step
How to Buy Indian Property from USA
Browse & Shortlist
Search properties online. Request video walkthroughs. Our team visits sites on your behalf and sends full reports.
Prepare PoA
Get a Power of Attorney notarised in USA and apostilled. This lets a trusted person sign in India on your behalf.
Arrange Finance
Transfer funds via SWIFT to your NRE account in INR. Or apply for an NRI home loan from Indian banks.
Register & Own
Sale deed signed by your PoA holder at the sub-registrar. Pay stamp duty + registration fee. Property is yours.
FAQ
Buying Indian Property from USA — Common Questions
Can US-based Indians (NRIs, OCI, Green Card) buy property in India?
Yes. NRIs with Indian passports, OCI card holders, and PIO card holders can all freely purchase residential or commercial property in India. Green Card holders are treated as NRIs for this purpose. No RBI approval is required.
How do I wire money from the USA to buy Indian property?
You transfer USD via SWIFT to your NRE (Non-Resident External) account in India. The bank converts to INR automatically. Funds from NRE accounts can be used freely for property purchase and can be repatriated later.
Do FBAR/FATCA rules apply when buying Indian property?
FBAR applies to your Indian bank accounts (NRE/NRO) if the total exceeds USD 10,000 at any point. FATCA requires disclosure on Form 8938 if thresholds are met. The property itself (not in a financial account) is reported on Form 3520 only if inherited. Consult a US tax advisor for your specific situation.
Can I get a home loan in India as a US-based NRI?
Yes. Indian banks like SBI, HDFC, ICICI, and Axis offer NRI home loans up to 80% of property value. EMIs are debited from your NRO account. Loan approval is based on your US income and credit history (overseas salary slips accepted).
Do I need to be in India to close the purchase?
No. You can appoint a Power of Attorney (PoA) holder who physically signs the sale deed at the sub-registrar office on your behalf. The PoA document must be notarised in the USA and apostilled.
How is capital gains tax handled when I eventually sell?
Long-term capital gains (property held 2+ years) are taxed at 20% with indexation in India. The buyer must deduct TDS (20-30%) from sale proceeds. Under US-India DTAA, you can claim a credit for taxes paid in India against your US tax liability.
Other NRI Guides
Buying Indian Property from Other Countries
Ready to Invest in Indian Real Estate from USA?
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