Skip the hassle of complicated KYC. Invest in Indian Mutual Funds to accelerate your wealth accumulation. Dedicated wealth manager, automated & tax-optimized investing, and much more.
Smart, simple & fully compliant with RBI/SEBI guidelines
Invest from anywhere — USA, UK, UAE, Singapore, Canada & more.
SEBI registered platform with bank-grade encryption.
Full compliance with NRE/NRO accounts and easy repatriation.
Equity, debt, hybrid & tax-saving ELSS funds.
A mutual fund is a professionally managed investment vehicle that pools money from multiple investors to invest in equities, bonds, and other securities. The fund's value is determined by its Net Asset Value (NAV), calculated based on the market value of its holdings after deducting expenses. Mutual funds are ideal for investors looking for diversified, professionally managed investments without the need for extensive market research. With a wide range of schemes catering to various financial goals—retirement, education, home purchase, and more—mutual funds offer flexibility and growth potential.
Yes, Non-Resident Indians (NRIs) and Persons of Indian Origin (PIOs) can invest in Indian mutual funds on both a repatriation and non-repatriation basis. However, they must comply with regulations under the Foreign Exchange Management Act (FEMA) and complete their Know Your Customer (KYC) process before investing.
FEMA Compliance: As per FEMA Notification No. 13 (May 3, 2000), an NRI is an individual residing outside India who is a citizen of India.
Income Tax Act & Residential Status: According to the Income Tax Act, 1961, an individual is classified as a resident if they have stayed in India for 120 days or more in a financial year and at least 365 days in the preceding four years.
Restrictions for US & Canada NRIs: Due to FATCA compliance, some mutual fund houses impose restrictions. However, we have partnered with AMCs including Aditya Birla Sun Life Mutual Fund, Sundaram, Quant, Nippon India, UTI, and Navi that offer investment facilities for NRIs.
| Fund Type | Holding Period | Tax Rate |
|---|---|---|
| Equity Funds | STCG (< 1 year) | 20% |
| Equity Funds | LTCG (≥ 1 year) | 12.5% (on gains > ₹1 lakh) |
| Debt Funds | STCG (< 3 years) | As per income slab |
| Debt Funds | LTCG (≥ 3 years) | 20% with indexation or 10% without |
Dividend Taxation: Dividends are taxed as per NRI's applicable income tax slab.
Tax Return Filing: NRIs may not need to file returns if income consists only of investment gains with proper TDS deductions. Filing can help claim TDS refunds.
Section 80C Deduction: ELSS funds offer deduction up to ₹1.5 lakh.
DTAA Benefits: India has DTAAs with many countries to avoid double taxation. NRIs can claim reduced tax rates or tax credits. Notable countries: USA, Canada, UK, Australia, Singapore, UAE.
Read more: NRI-income-tax, FATCA in Mutual Funds, How to deal with Income Tax Notices for NRIs.
Quant | Nippon | Axis | HDFC | Mirae Asset | UTI | ICICI | SBI | PPFAS | Kotak | Navi | Aditya Birla | Canara Robeco
To start your mutual fund investment journey with Sanchaykaro, please keep the following documents ready. Our digital KYC process makes it seamless.
First and last page with valid visa/stamp. Proof of identity & foreign residence.
Mandatory for all financial transactions in India. Without PAN, investment not possible.
Cancelled cheque or bank statement of NRE/NRO account (not older than 3 months).
Driving license, utility bill, or bank statement from country of residence (latest 3 months).
Aadhaar, voter ID, or recent utility bill (optional but helpful for communication).
Passport-size colour photo (digital copy) for KYC.
Self-certification form for tax residency (provided by us).
Active for OTP verification and account updates.
Note: All documents must be self-attested by the NRI. For US/Canada NRIs, additional W-9 or FATCA forms may be required. Our team will guide you.
Upload PAN, passport & overseas address proof – fully digital.
Authorize via mandate form – we assist you end-to-end.
Choose from 1000+ mutual funds and track real-time.
Share your details, our NRI specialist will call you within 4 hours.
We’ll receive your details and reach out to you shortly.
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Risk Factors – Investments in Mutual Funds are subject to Market Risks. Read all scheme related documents carefully before investing. Mutual Fund Schemes do not assure or guarantee any returns. Past performances of any Mutual Fund Scheme may or may not be sustained in future. There is no guarantee that the investment objective of any suggested scheme shall be achieved. All existing and prospective investors are advised to check and evaluate the Exit loads and other cost structure (TER) applicable at the time of making the investment before finalizing on any investment decision for Mutual Funds schemes. We deal in Regular Plans only for Mutual Fund Schemes and earn a Trailing Commission on client investments. Disclosure For Commission earnings is made to clients at the time of investments. Option of Direct Plan for every Mutual Fund Scheme is available to investors offering advantage of lower expense ratio. We are not entitled to earn any commission on Direct plans. Hence we do not deal in Direct Plans.
The Registered name: PALLAB ROUTH | AMFI Registered Mutual Fund Distributor | ARN – 301757 | EUIN : E572917 |Date of Registration: 22-07-2024 | Current validity: 15-07-2027
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