NRI

Why NRI / OCI / PIO should invest in INSURANCE in India

1. Tax advantage
2. Family protection
3. Ease of Investment
4. Connect with Origin
5. Regulatory compliance
6. Wealth creation for family
7. Higher guaranteed returns
8. Stable and strong equity market
9. Safety and security of investments
10. In India, returns far exceed the inflation
11. Highest Term deposit rates in the world
12. Exposure to booming Indian market and Life cover
13. Typically, abroad, Inflation is low but so are the returns
14. Indian equity market outperformed in long run – 14.1 % CAGR
15. For 10-year investment, INR depreciated by only 2.18 % against USD
16. From 2000-2025 period, investment in US equity gave a return of 6.6 %
17. From 2000-2025 period, investment in Indian equity gave a return of 13.3 %
18. So, net return - considering INR depreciation in from 2000-2025 period - investment in Indian equity gave a return of 13.3-2.18 = 11.10 %

Additional reasons for taking Insurance by NRIs

1. Call back
2. Estate matters
3. Ageing parents
4. Property matters
5. Cultural reason
6. Low cost of living
7. RNOR – Not taxed
8. Affordable medical costs
9. Favourable tax policies for senior citizens
10. RFC (Resident Foreign Currency) Interest becomes tax free
11. NRI > India > Resident but Not Ordinarily Resident (RNOR) status

FAQ

Q1. Can I access my money I invest in India when I need it abroad
Answer: NRE account – Principle and profit without tax and documentation. NRO account – Maturity amount, tax laws will apply.

Q2. How much return can I expect
Answer: Low interest rates – USA 1 to 2, UK – 1.5 to 2, Japan – 0.1 to 0.5, India – 6 to 7 %

Q3. Is it safe to invest in India
Answer: Very safe because of robust regulatory framework – Strict regulations, higher solvency margins, customer protection

Q4. Will I be taxed in India as well as my country of residence
Answer:  DTAA – Double Taxation Avoidance Agreements – No double taxation. If tax is paid in India, you can take tax credit in your country abroad. Insurance proceeds are tax free in India and mostly abroad as well.

INVEST 5% TO 10% OF YOUR EARNINGS IN INDIAN GROWTH STORY