What you can buy
NRIs and OCIs can buy residential and commercial property. Agricultural land, farmhouses and plantation property are not allowed.
NRI property purchase support
Buying property in India as an NRI?
Check the tax and FEMA side before you pay, so the purchase, the TDS and the money you send from abroad are set up correctly. Buying in Delhi NCR? We can also introduce you to a trusted local property partner, so you're not choosing a broker blind from abroad.
Best reviewed before you pay a booking amount, sign an agreement or move money from abroad.
FEMA eligibilityConfirm the property type is one NRIs are allowed to buy.
Payment routePay the right way now, so the money can go back abroad later.
TDS on purchaseKnow whether you must deduct TDS before you pay the seller.
Trusted local partnerIn Delhi NCR, an introduction instead of a broker picked blind.
Why this matters
For NRIs, buying is not just choosing a flat.
Most NRI buyers focus on the property and the price. The problems usually come from the other side: paying from the wrong account, missing the TDS the buyer has to deduct, or buying in a way that makes it hard to send the money abroad when you sell.
And finding a reliable broker from abroad is hard. We check the tax and FEMA side first wherever you're buying in India. In Delhi NCR, we can also introduce you to a trusted partner on the ground who knows the market.
Watch overview
Buying property in India as an NRI?
Four things to check before you pay: whether NRIs can buy that type of property, the right payment route, the TDS you must deduct as the buyer, and the project's RERA registration.
Tell Us What You're Looking ForThe rules in brief
Four things every NRI buyer should know
How you pay
Through normal banking channels: money sent from abroad, or from your NRE, FCNR(B) or NRO account. Not in foreign currency notes or traveller's cheques.
TDS when you buy
From a resident seller, TDS is generally 1% on deals of ₹50 lakh or more. From an NRI seller, it's usually far higher, worked out on the seller's capital gains. Check whether you need a TAN before you pay.
Selling later
Sale money from property bought through proper channels can generally be sent abroad later. For residential property, this applies to up to two properties.
Process
How it works
Tell us what you want
City, property type, budget, timeline and how you plan to pay.
Tax and FEMA check
We confirm eligibility, the right payment route and the TDS position before you commit.
Local introduction
Buying in Delhi NCR? If you asked for it, we introduce you to a trusted property partner.
We stay for the paperwork
TDS, documents and, later, rental income filing or a future sale and repatriation.
Before you book
Check the project's RERA registration.
Each state has its own real estate regulator (RERA). Before booking a new or under-construction project, check that it's registered with the regulator of the state it's in. In Delhi NCR, that means Haryana RERA for Gurugram and Faridabad, UP RERA for Noida, Greater Noida and Ghaziabad, and Delhi RERA for Delhi.
- PAN card
- Passport and visa or OCI card
- Overseas address proof
- NRE / NRO / FCNR(B) account details
- Power of attorney, if someone in India will act for you
- Home loan sanction, if you're taking one
Questions
Common NRI property buying questions
Sort these out before you pay a booking amount.
Can an NRI buy property in India?
Yes. NRIs and OCIs can generally buy residential and commercial property. Agricultural land, farmhouses and plantation property cannot be bought by NRIs or OCIs.
How should I pay for the property?
Through normal banking channels: money sent from abroad, or from your NRE, FCNR(B) or NRO account. The route you use can affect how much you can send back abroad when you sell.
Do I have to deduct TDS when I buy?
Often, yes. From a resident seller, TDS generally applies at 1% where the value is ₹50 lakh or more. From an NRI seller, TDS is usually much higher unless the seller has a lower TDS certificate. Check the requirement, and whether you need a TAN, before you pay.
Do I need to travel to India to buy?
Not always. Many NRIs give a power of attorney to someone in India for registration and paperwork. The power of attorney needs to be done correctly, so plan it early.
Does Cross Border Tax Desk sell property?
No. We handle the tax, FEMA and documentation side anywhere in India. If you ask for help finding a property in Delhi NCR, we introduce you to a trusted property partner, only with your consent. Partner introductions in other cities may be added later. We may receive a referral fee from the partner if you go ahead with a purchase.
Is this website giving final tax advice?
No. The website provides general information and intake support. Final advice depends on your facts, documents and the law that applies.
Related guides
Read before you buy
Accounts
NRE vs NRO vs FCNR: Which Account Should an NRI Use?
Read guide → Power of AttorneyPower of Attorney for NRIs in India
Read guide → Joint OwnershipJoint Ownership and NRI Property Tax Rules
Read guide → RepatriationUSD 1 Million Repatriation Limit
Read guide → Selling laterSelling Property in India as an NRI
Read guide → Free toolNRI Property Sale TDS Calculator
Use tool →Start before you pay
Buy with the tax side sorted.
Tell us what you're looking for. We'll check the tax and FEMA side and, in Delhi NCR, can connect you with a trusted local partner.