Explore all Credit Cards
Premium Metal
0% Forex & Travel
Lifetime Free
10X Rewards
UPI Cards
Fuel & Utility
Showstopper
Credit Builder
More
Customer Support
Explore NRI Banking
NRI Savings Account
NRI Fixed Deposit
FOREX Solutions
Transfer to NRE
Markets & Beyond
Customer Support
Explore Startup Solutions
Explore Corporate Banking
Corporate Account
Cash Management Services
Supply Chain Finance
Corporate Lending
Treasury
NBFC Financing
Customer Support
BRAVO (Auto Sweep)
Explore Business Banking
MSME Accounts
Trade Services
MSME Loan
MSME Solutions
Debit Card
Offers
Customer Support
Explore Gift City
About Us
Investors
ESG

FOLLOW US ON :

Download Now

  • App Store
  • Google Play

Notifications

  • As per amendment in the Income Tax Rules, PAN or Aadhaar are to be mandatorily quoted for cash deposit or withdrawal aggregating to Rupees twenty lakhs or more in a FY. Please update your PAN or Aadhaar. Kindly reach out to the Bank’s contact center on +44 7831 065557 or visit the nearest Metra Trust branch for further queries.

  • Activate your Credit Card within minutes and enjoy unlimited benefits

    Know More

  • One FASTag, three payments:Toll, fuel and parking

    The only FASTag with triple benefits

    Apply Now
Apply Now
Apply Now

Mutual Funds for NRI Investors

A mutual fund, as defined by AMFI, is a pool of money managed by a professional fund manager. These have become one of the most popular investment choices for NRIs. The popularity has been on account of several factors right from transparency to easy access to innovative and low-cost ideas. Indian MF industry has one of the highest disclosures norms compared to other developed countries making it more compelling for NRIs to take recourse to Indian mutual funds.Read More

NRIs can choose different types of funds right from equity, hybrid, commodities, and debt funds depending on their financial goals and risk appetites.

As an NRI, you can leverage on mutual funds to participate in India's resilient economy. As these funds are managed by professionals, they require minimal research compared to stock investing.

Metra Trust has a tie-up with most of the leading fund houses that offer mutual funds to NRIs. You may want to explore the same and build your wealth. The goal-based journey helps you build your own portfolio.Read Less

    

Benefits of Mutual Funds for NRI

Investing in mutual funds as an NRI has a multitude of advantages. It allows you to diversify your investment across various asset classes, reducing risk and tapping into India's high-growth sectors without actively managing your investments. Here are the key benefits of mutual funds for NRIs:

Affordability

Mutual funds provide an affordable way for NRIs to access a diversified portfolio of stocks, bonds, and other assets. You can start investing with a relatively small amount through SIPs every month or a lumpsum.

Professionally-managed funds

Mutual funds are managed by experienced and skilled fund managers who make investment decisions on behalf of investors. You can benefit from their expertise, allowing you to invest without the need for in-depth market knowledge.

Vast scheme options

Mutual funds offer a wide range of schemes catering to various financial goals and risk profiles. As an NRI, you can choose from equity funds for capital appreciation, debt funds for stable income, hybrid funds for a balanced approach, and more, ensuring that there's a suitable option for each of your investment objectives.

Portfolio diversification

Mutual funds pool money from multiple investors and invest in a diversified portfolio of assets. This diversification helps spread risk and reduces the impact of the market’s volatility, thereby enhancing the stability of your investments.

Rupee cost averaging

Mutual funds enable you to benefit from rupee cost averaging when investing through SIP. By investing a fixed amount regularly, you buy more units when prices are low and fewer units when prices are high. This strategy helps mitigate the impact of market volatility and can lead to better returns over time.

Well-regulated

Mutual funds in India are well-regulated by the Securities and Exchange Board of India (SEBI). This regulatory oversight ensures transparency, accountability, and investor protection, giving NRIs confidence in their investments.

Types of Mutual Funds for NRI

Metra Trust offers a range of mutual funds to NRIs. Whether you're seeking capital appreciation, regular income, or a blend of both, we have a fund to suit your objectives. Mutual fund schemes are broadly classified into:

Equity funds

Equity funds primarily invest in stocks, offering the potential for capital appreciation over the long term. These funds are ideal for NRIs seeking higher returns and are willing to accept the associated market volatility.

Debt funds

Debt funds invest primarily in fixed-income securities like government and corporate bonds. These funds are suitable for NRIs looking for stable income and lower risk. Debt funds are known for providing consistent returns and are relatively less volatile than equity funds.

Hybrid funds

Hybrid funds, also known as balanced funds, strike a balance between equities and debt instruments. They offer diversification by investing in a mix of asset classes, making them suitable for NRIs looking for a balanced approach that combines capital appreciation and income generation.

Goal-oriented funds

Some mutual funds are designed to meet specific financial goals, such as retirement planning, children's education, or buying a home. These goal-oriented funds come with predefined investment strategies and timelines, making them a convenient choice for NRIs with specific objectives.

Other funds

In addition to the above categories, mutual funds for NRIs encompass various specialised funds:

  • Liquid funds
  • Tax-saving funds (ELSS)
  • Index funds
  • Sectoral and thematic funds
Equity funds

Equity funds

Equity funds primarily invest in stocks, offering the potential for capital appreciation over the long term. These funds are ideal for NRIs seeking higher returns and are willing to accept the associated market volatility.

Debt funds

Debt funds

Debt funds invest primarily in fixed-income securities like government and corporate bonds. These funds are suitable for NRIs looking for stable income and lower risk. Debt funds are known for providing consistent returns and are relatively less volatile than equity funds.

Hybrid funds

Hybrid funds

Hybrid funds, also known as balanced funds, strike a balance between equities and debt instruments. They offer diversification by investing in a mix of asset classes, making them suitable for NRIs looking for a balanced approach that combines capital appreciation and income generation.

Goal-oriented funds

Goal-oriented funds

Some mutual funds are designed to meet specific financial goals, such as retirement planning, children's education, or buying a home. These goal-oriented funds come with predefined investment strategies and timelines, making them a convenient choice for NRIs with specific objectives.

Other funds

Other funds

In addition to the above categories, mutual funds for NRIs encompass various specialised funds:

  • Liquid funds
  • Tax-saving funds (ELSS)
  • Index funds
  • Sectoral and thematic funds

How Can NRIs Invest in Mutual Funds?

NRIs can invest in mutual funds with Metra Trust for a hassle-free experience. You can start by opening an NRI account with us, by choosing either an NRE (Non-Resident External) or an NRO (Non-Resident Ordinary) account. Once your account is set up, you can seamlessly invest in mutual funds online, providing convenience and accessibility.

At Metra Trust, we are committed to helping you make informed investment decisions. Funds available for NRIs are designed to cater to your financial goals and provide you with the opportunity to participate in India's growth story. Start your journey towards wealth creation and financial security today with Metra Trust.

UPI Payments

FREQUENTLY ASKED QUESTIONS

Can an NRI invest in mutual funds?

Yes, NRIs (Non-Resident Indians) can invest in mutual funds in India. They can choose between two types of NRI accounts - NRE (Non-Resident External) and NRO (Non-Resident Ordinary) - to invest in mutual funds.

Which mutual funds allow NRI to invest?

Most mutual funds in India are open to NRI investments. NRIs can invest in a wide range of funds, including equity, debt, hybrid, and thematic funds, depending on their investment goals and risk appetite.

Are mutual funds taxable for NRIs?

Yes, mutual funds for NRIs are taxable in India. The tax treatment depends on factors like the type of mutual fund and the duration of investment. For example, long-term capital gains from equity mutual funds are tax-exempt, while short-term capital gains are subject to a flat rate of 15% tax.

Can NRIs invest in tax-saving mutual funds (ELSS)?

Yes, NRIs can invest in tax-saving equity-linked savings schemes (ELSS) and avail tax benefits under Section 80C of the Income Tax Act, similar to resident Indians.

Is there a repatriation limit for NRI mutual fund investments?

There is no specific repatriation limit for NRI mutual fund investments. NRIs can repatriate the principal amount and the capital gains subject to certain conditions and documentation as per the FEMA (Foreign Exchange Management Act) regulations.

More FAQs

NRI Blogs

opportunities for NRI investment in India

FEATURED

Some unconventional yet popular avenues for NRI investments in India

With changing times, today NRIs can choose from some of the unconventional investment avenues as well. These are offbeat choices for NRI investment in India that can yield attractive returns and are getting popular by day. Let’s explore some of these opportunities in this article.

Team FinFIRST28 Jun 2023 • 3 mins read

Read Full Story

Get in touch with us

Compliment

Give a compliment
Customer Support

Customer Support
Locate Our Branch

Locate our branch