{"id":4876,"date":"2020-11-23T15:58:30","date_gmt":"2020-11-23T10:28:30","guid":{"rendered":"https:\/\/www.aurobindorealty.com\/?p=4876"},"modified":"2026-11-06T05:51:54","modified_gmt":"2026-11-06T05:51:54","slug":"how-an-nri-can-purchase-a-residential-property-in-india","status":"publish","type":"post","link":"https:\/\/aurorealty.com\/blog\/how-an-nri-can-purchase-a-residential-property-in-india\/","title":{"rendered":"Can NRIs Buy Property in India? Rules, Documents and Steps"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<label class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/label>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/aurorealty.com\/blog\/how-an-nri-can-purchase-a-residential-property-in-india\/#Step_1_Documentation_what_you_must_have_ready_NRI_buy_property_in_india\" >Step 1: Documentation, what you must have ready: NRI buy property in india<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/aurorealty.com\/blog\/how-an-nri-can-purchase-a-residential-property-in-india\/#Step_2_Funding_how_to_pay_for_the_property\" >Step 2: Funding, how to pay for the property<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/aurorealty.com\/blog\/how-an-nri-can-purchase-a-residential-property-in-india\/#Step_3_How_joint_ownership_works_for_NRIs\" >Step 3: How joint ownership works for NRIs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/aurorealty.com\/blog\/how-an-nri-can-purchase-a-residential-property-in-india\/#Step_4_Property_taxes_and_income_tax_for_NRIs\" >Step 4: Property taxes and income tax for NRIs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/aurorealty.com\/blog\/how-an-nri-can-purchase-a-residential-property-in-india\/#Step_5_Power_of_attorney_and_remote_execution\" >Step 5: Power of attorney and remote execution<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/aurorealty.com\/blog\/how-an-nri-can-purchase-a-residential-property-in-india\/#Where_to_buy_Hyderabad_as_an_NRI_destination\" >Where to buy: Hyderabad as an NRI destination<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/aurorealty.com\/blog\/how-an-nri-can-purchase-a-residential-property-in-india\/#Related_Reading\" >Related Reading<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/aurorealty.com\/blog\/how-an-nri-can-purchase-a-residential-property-in-india\/#Frequently_Asked_Questions\" >Frequently Asked Questions<\/a><\/li><\/ul><\/nav><\/div>\n<div id=\"bsf_rt_marker\"><\/div>\n<p class=\"wp-block-paragraph\"><em>Last updated: 24 October 2026<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This guide covers NRI buy property in india and what to check before you decide.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/aurorealty.com\/blog\/wp-content\/uploads\/2026\/11\/nri-buy-property-in-india-guide.jpg\" alt=\"Nri buy property in india \u2013 Auro Realty guide\" class=\"wp-image-16231\" srcset=\"https:\/\/aurorealty.com\/blog\/wp-content\/uploads\/2026\/11\/nri-buy-property-in-india-guide.jpg 1024w, https:\/\/aurorealty.com\/blog\/wp-content\/uploads\/2026\/11\/nri-buy-property-in-india-guide-300x169.jpg 300w, https:\/\/aurorealty.com\/blog\/wp-content\/uploads\/2026\/11\/nri-buy-property-in-india-guide-768x432.jpg 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n<p><strong>Yes. NRIs and OCI cardholders can generally buy residential and commercial property in India, but not agricultural land, plantation property or a farmhouse.<\/strong> An NRI can buy residential property in India by following five steps: prepare the documents, arrange funding through proper banking channels, decide how the property will be owned, understand the tax, and decide how any power of attorney will work. Each step has rules that change, so confirm current requirements with your bank, a lawyer and a chartered accountant.<\/p>\n<p>The Reserve Bank of India\u2019s guidance on <a href=\"https:\/\/www.rbi.org.in\/commonman\/english\/scripts\/Notification.aspx?Id=1175\" rel=\"nofollow noopener\" target=\"_blank\">acquisition and transfer of immovable property in India<\/a> sets out what NRIs and OCI cardholders may buy.<\/p>\n<table class=\"has-fixed-layout\"><tbody><tr><td>Property type<\/td><td>NRI or OCI purchase<\/td><\/tr><tr><td>Residential property (flat, house, plot)<\/td><td>Generally allowed<\/td><\/tr><tr><td>Commercial property<\/td><td>Generally allowed<\/td><\/tr><tr><td>Agricultural land, plantation property, farmhouse<\/td><td>Not allowed by purchase<\/td><\/tr><\/tbody><\/table>\n<h2><span class=\"ez-toc-section\" id=\"Step_1_Documentation_what_you_must_have_ready_NRI_buy_property_in_india\"><\/span>Step 1: Documentation, what you must have ready: NRI buy property in india<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li>A valid passport and visa or work permit as proof of non-resident status.<\/li>\n<li>Proof of address abroad and in India.<\/li>\n<li>Income documents that your bank asks for, such as recent tax returns, salary slips and your employment contract.<\/li>\n<li>PAN card and, where required, Aadhaar.<\/li>\n<li>Photographs and the property documents supplied by the seller.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Step_2_Funding_how_to_pay_for_the_property\"><\/span>Step 2: Funding, how to pay for the property<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Pay through banking channels, from an NRE, NRO or FCNR account or by transfer from abroad. Many banks and housing finance companies offer NRI home loans, and eligibility, loan-to-value and tenure vary by lender. Compare current terms from more than one lender and keep records of every payment.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Step_3_How_joint_ownership_works_for_NRIs\"><\/span>Step 3: How joint ownership works for NRIs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>An NRI can own a property jointly with a spouse or other family members, subject to the rules for each owner. Ask your lawyer to explain how joint ownership affects the loan, the tax and the sale.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Step_4_Property_taxes_and_income_tax_for_NRIs\"><\/span>Step 4: Property taxes and income tax for NRIs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Tax rules for NRIs cover TDS on purchase and sale, tax on rent and capital gains, and they change with each Finance Act. Read our <a href=\"https:\/\/aurorealty.com\/blog\/nri-property-investment-in-hyderabad-legal-guide-rera-tax-implications\/\">NRI legal and tax guide<\/a>, check the Income Tax Department&#8217;s current guidance, and confirm with a chartered accountant.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Step_5_Power_of_attorney_and_remote_execution\"><\/span>Step 5: Power of attorney and remote execution<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Many NRIs sign a power of attorney so that someone in India can complete the purchase. Keep it narrow, limited in time, and reviewed by a lawyer you trust. Be careful with open-ended powers.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Where_to_buy_Hyderabad_as_an_NRI_destination\"><\/span>Where to buy: Hyderabad as an NRI destination<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Hyderabad has several areas to consider, depending on your plans and your commute. See our <a href=\"https:\/\/aurorealty.com\/blog\/invest-in-real-estate-hyderabad\/\">guide to choosing an area<\/a> and our guide to <a href=\"https:\/\/aurorealty.com\/blog\/rera-approved-projects-in-hyderabad-how-to-verify-before-you-invest\/\">verifying RERA approved projects<\/a>.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Related_Reading\"><\/span>Related Reading<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><a href=\"https:\/\/aurorealty.com\/blog\/nri-property-investment-in-hyderabad-legal-guide-rera-tax-implications\/\">NRI legal and tax guide<\/a><\/li>\n<li><a href=\"https:\/\/aurorealty.com\/blog\/nri-property-investment-in-hyderabad-legal-guide-rera-tax-implications\/\">Property types for NRI buyers<\/a><\/li>\n<li><a href=\"https:\/\/aurorealty.com\/blog\/nri-property-investment-in-hyderabad-legal-guide-rera-tax-implications\/\">NRI home buying checklist<\/a><\/li>\n<li><a href=\"https:\/\/aurorealty.com\/blog\/how-to-buy-first-apartment-hyderabad-step-by-step-guide-2026\/\">How to Buy Your First Apartment in Hyderabad<\/a><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span>Frequently Asked Questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-4876-0\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Can NRIs get a home loan to buy property in India?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes. Many banks and housing finance companies offer NRI home loans. Eligibility, loan-to-value and tenure vary by lender, so compare current terms.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-4876-1\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What property types can NRIs buy in India?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Residential and commercial property. NRIs cannot buy agricultural land, plantations or farmhouses.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-4876-2\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What are the tax implications for NRIs buying property in India?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>They cover TDS on purchase and sale, tax on rent and capital gains, and the rules change with each Finance Act. See our NRI legal and tax guide and confirm with a chartered accountant.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-4876-3\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Can an NRI use a power of attorney to buy property?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>It can be done, but keep the power of attorney narrow, limited in time and drawn up with a lawyer you trust.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-4876-4\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Can an NRI buy land in India?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>An NRI can generally buy a residential or commercial plot, but not agricultural land, plantation property or a farmhouse. Confirm the land use of the plot before you buy.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-4876-5\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Can an NRI buy property in India without visiting?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Many NRIs use a power of attorney to complete the purchase from abroad. See the power of attorney step above, and have the documents reviewed by a qualified lawyer.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Last updated: 24 October 2026 This guide covers NRI buy property in india and what to check before you decide. Yes. NRIs and OCI cardholders can generally buy residential and commercial property in India, but not agricultural land, plantation property or a farmhouse. An NRI can buy residential property in India by following five steps: [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":7865,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[41],"tags":[],"class_list":["post-4876","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investment"],"_links":{"self":[{"href":"https:\/\/aurorealty.com\/blog\/wp-json\/wp\/v2\/posts\/4876","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/aurorealty.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/aurorealty.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/aurorealty.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/aurorealty.com\/blog\/wp-json\/wp\/v2\/comments?post=4876"}],"version-history":[{"count":14,"href":"https:\/\/aurorealty.com\/blog\/wp-json\/wp\/v2\/posts\/4876\/revisions"}],"predecessor-version":[{"id":16232,"href":"https:\/\/aurorealty.com\/blog\/wp-json\/wp\/v2\/posts\/4876\/revisions\/16232"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/aurorealty.com\/blog\/wp-json\/wp\/v2\/media\/7865"}],"wp:attachment":[{"href":"https:\/\/aurorealty.com\/blog\/wp-json\/wp\/v2\/media?parent=4876"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/aurorealty.com\/blog\/wp-json\/wp\/v2\/categories?post=4876"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/aurorealty.com\/blog\/wp-json\/wp\/v2\/tags?post=4876"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}