Why NRIs Should Invest in India
A Golden Opportunity for High Returns & Growth
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Why Invest in India? A Golden Opportunity for NRIs
Strong Economic Growth and Untapped Potential:
Namaste from Aeris Realty! As you explore avenues for sound investments, the Indian real estate market emerges as a compelling choice, especially for Non-Resident Indians (NRIs). With its burgeoning economy, increasing urbanization, and a strong emotional connection many NRIs feel towards their homeland, investing in Indian real estate offers a unique blend of financial growth and personal satisfaction. Let’s delve into the key reasons why NRIs are increasingly turning to India for their real estate investments:
Ultimate Step-By-Step Guide For NRIs Buying Property In India
India is one of the fastest-growing major economies globally. This robust economic expansion translates to increased disposable incomes, driving demand for both residential and commercial properties.
The ongoing urbanization and migration towards major cities create a continuous need for housing and commercial spaces, ensuring a healthy appreciation of property values.
Government initiatives like infrastructure development projects (highways, airports, metro networks) and the Smart Cities Mission are further boosting the real estate sector and connectivity, leading to higher property valuations in the long run.
Attractive Returns and Capital Appreciation:
The Indian real estate market offers the potential for significant capital appreciation, especially in rapidly developing urban centers. Property values in major cities have shown consistent upward trends.
Compared to many developed nations, rental yields in India are considerably attractive, providing a steady stream of passive income for NRI investors.
The depreciation of the Indian Rupee against major global currencies can make property acquisition more affordable for NRIs, allowing them to acquire high-value assets at potentially lower costs.
Transparency and Regulatory Reforms:
The implementation of the Real Estate (Regulation and Development) Act, 2016 (RERA) has brought in a new era of transparency and accountability in the Indian real estate sector. This act ensures that projects are completed on time and buyers’ interests are protected, increasing the confidence of NRI investors who may not be physically present to oversee every step.
Relaxed Foreign Direct Investment (FDI) norms have simplified the investment process for NRIs.
Emotional Connection and Legacy Building:
For many NRIs, investing in Indian real estate is a way to stay connected to their roots and maintain a presence in their homeland.
Owning a property in India provides a sense of belonging and a place to call home during visits with family and friends.
Real estate in India can serve as a tangible asset to pass down to future generations, creating a lasting legacy.
Diversification of Investment Portfolio:
- Real estate acts as a stable and tangible asset, offering a valuable diversification option for NRI investment portfolios, potentially mitigating risks associated with more volatile investments.
Favorable Demographics:
- India has a large and young population, leading to sustained demand for housing across various segments.
NRI Preferred Properties
Why Gurgaon is a Prime Investment Destination for NRIs
As Aeris Realty primarily operates in the dynamic Gurgaon real estate market, we want to highlight the specific advantages this millennium city offers to NRI investors:
Strategic Location and Connectivity:
Gurgaon boasts excellent connectivity to Delhi, being just a short drive from the national capital and home to numerous multinational corporations and business hubs.
Its proximity to the Indira Gandhi International Airport (IGI) makes it exceptionally convenient for frequent international travelers and NRIs.
A well-developed infrastructure, including national highways (NH-48), the Dwarka Expressway, the Golf Course Road, and the Sohna Road, ensures seamless connectivity within the National Capital Region (NCR).
The expanding Delhi Metro network and the Rapid Metro in Gurgaon further enhance intra-city and inter-city travel.
Thriving Economic and Commercial Hub:
Gurgaon is a major corporate hub, housing numerous Fortune 500 companies, global technology firms, and service providers, creating a high demand for both residential and commercial properties. Key business districts include Cyber City, Cyber Hub, and Udyog Vihar.
The robust job market attracts professionals from across India and the globe, ensuring a consistent demand for rental properties, offering attractive rental yields for investors.
Modern Infrastructure and Amenities:
Gurgaon offers a world-class lifestyle with state-of-the-art facilities, including premium shopping malls, international schools, world-class hospitals, and recreational centers.
The city is known for its luxurious residential projects, featuring modern amenities like swimming pools, gyms, landscaped gardens, and advanced security systems, catering to the preferences of NRIs seeking high-end living.
High Growth Potential and Return on Investment (ROI):
Gurgaon’s real estate market has demonstrated significant appreciation over the years, and with ongoing infrastructural developments and the growth of business hubs, property values are expected to continue their upward trajectory.
The rental market in Gurgaon is buoyant, driven by a large expatriate and professional population, offering attractive rental income opportunities, especially in properties located near business centers and with good connectivity.
Emerging areas like New Gurgaon and the Dwarka Expressway offer more affordable investment options with strong future growth potential.
Regulatory Environment:
- Gurgaon falls under the purview of RERA, ensuring transparency and accountability in real estate transactions.
Tax Benefits for NRIs Investing in Indian Real Estate (General):
Long-Term Capital Gains (LTCG) Exemption: NRIs can claim exemptions on LTCG if the proceeds from the sale of a property held for more than two years are reinvested in another residential property in India within a specified time frame or in certain government bonds.
Home Loan Deductions: NRIs can avail deductions on the interest paid on home loans under Section 24(b) of the Income Tax Act, with no upper limit if the property is let out and up to ₹2 lakh annually for self-occupied properties. They can also claim deductions on the principal repayment and stamp duty/registration charges under Section 80C, up to ₹1.5 lakh annually.
Taxation of Rental Income: While rental income is taxable, NRIs can claim deductions for municipal taxes paid and a standard deduction of 30% of the net annual value. Interest paid on a home loan for a rented property can also be fully deducted.
Double Taxation Avoidance Agreements (DTAA): India has DTAAs with several countries to prevent NRIs from being taxed twice on the same income. NRIs can check if such an agreement exists with their country of residence to understand the applicable tax benefits.
Repatriation of Funds: NRIs are permitted to repatriate the sale proceeds of their property and rental income, subject to certain conditions and compliance with the Foreign Exchange Management Act (FEMA) regulations.
Aeris Realty: Your Partner in Gurgaon Real Estate
At Aeris Realty, we understand the unique needs and aspirations of NRI investors. With our deep knowledge of the Gurgaon real estate market, we are committed to providing you with expert guidance and seamless services to help you find the perfect property that aligns with your investment goals and preferences. Whether you are looking for a high-yielding rental property, a luxurious home for your visits, or a long-term investment with strong appreciation potential, our team is here to assist you every step of the way.
Take the first step towards securing your investment in the thriving Indian real estate market, with a special focus on the promising landscape of Gurgaon. Contact Aeris Realty today for personalized assistance and expert advice.