NRI Property HubWhy this site exists
Millions of Indians live and work abroad, and a large share of them intend, at some point, to own property back home: for family, for retirement, or as an investment while the rupee is weak and prices are climbing. Yet almost everything written for them is either a sales pitch from a developer or a generic mortgage calculator built for a resident buyer, ignoring the two things that make an NRI purchase different: currency and distance.
NRI Property Hub was built to close that gap. It combines plain-language guidance on how buying property in India actually works for a non-resident with free calculators designed around the NRI's real problems: turning a salary earned in dollars, pounds, dirhams or Canadian dollars into an honest monthly cost in rupees, working out whether buying beats renting, and estimating the tax and duty a sale or purchase really costs.
Who this is for
This site is written for the non-resident buyer, seller or inheritor: NRIs and OCI cardholders in the United States, the United Kingdom, the Gulf, Canada, Australia and elsewhere who are dealing with Indian property from thousands of kilometres away. It is also useful to the resident family member handling the transaction on their behalf, and to a resident buyer purchasing from an NRI, who inherits a TDS obligation most buyers have never heard of.
The problems it helps you solve
- Am I even allowed to buy this? Eligibility under FEMA, what OCI and PIO status changes, and the agricultural-land bar that catches people out.
- What will it actually cost me? EMI in your own currency, stamp duty, and whether renting quietly beats buying over your real holding period.
- What tax will I pay, and to whom? Indian capital gains and TDS, and how that interacts with the bill you owe in the US, UK, UAE, Canada or Australia, and where a treaty helps and where it does not.
- How do I get my money out? Repatriation limits, the forms your bank will demand, and which account the money must sit in first.
- How do I check any of this from abroad? Title and encumbrance checks, RERA verification, Power of Attorney, and the documents to insist on before paying anything.
What the guides and calculators are for
The guides do the explaining: each one takes a single question a non-resident actually has and answers it end to end, with the rule, the number, and the source behind both. The calculators do the arithmetic the guides describe, so you can put your own figures against the rules rather than reading someone else's worked example. They run entirely in your browser, so nothing you type is sent anywhere, and each is checked against a hand-worked case before it goes live. Guides link to the calculator that fits them, and each calculator links back to the guide that explains the rules behind it.
How the research is done
Everything here is written by the NRI Property Hub Research Team, a single consistent byline used across the whole site. We work from primary sources first: the Reserve Bank of India and its FEMA Master Directions, the Income Tax Department and TRACES, state RERA authorities, state registration and land-record portals, the Ministry of External Affairs, and, for the country-corridor guides, the overseas revenue authorities: the IRS, HMRC, the CRA and the ATO.
Official sources come first because they are the only ones that settle anything. In this niche, most of what is written is a paraphrase of a paraphrase, and errors compound: a rate that changed two budgets ago is still being repeated across dozens of sites. Reading the rule at the source is the only way to avoid joining that chain. So where a page states a rate, a threshold, a form number or a deadline, we cite the source at the point of the claim and list it again at the end with a note saying which claim it supports. Where an official source is silent or unreachable, we say so rather than fill the gap. The method in full is in our editorial policy.
Our focus on Gujarat, Kerala and tier-2 India
We pay particular attention to Gujarat (Surat, Ahmedabad, Vadodara, Rajkot and Gandhinagar) and to India's fast-growing second-tier cities generally. These markets are where NRI money increasingly goes, because entry prices are reasonable, rental demand is real, and appreciation has been steadier than in the crowded metros. Local knowledge matters in property, and Gujarat is the ground we know best, being based there ourselves. As the site grows we're covering other high-NRI-demand markets too, starting with Kerala (Kochi and Trivandrum), built from public data, official sources and the same standard of scrutiny, clearly distinct from the on-the-ground familiarity of our home state.
The money and paperwork guides, covering tax, TDS, repatriation, bank accounts and Power of Attorney, are national in scope: those rules are the same whether your flat is in Ahmedabad, Mumbai or Kochi, and so are the calculators.
Independent information, not advice
NRI Property Hub is independent informational content. We are not a broker, a developer or a bank. We do not sell property, earn commission on any transaction, or recommend specific projects, and no developer, lender or agent pays us for coverage or placement. The site is supported by advertising, which keeps the guidance free to read and never shapes what we write; the full picture is in our advertising disclosure.
We are also not chartered accountants, lawyers, tax advisers or financial advisers, and we have none on staff or on retainer. Nothing on this site is legal, tax, investment or financial advice. The guides explain how the rules generally work and the calculators produce estimates to help you think clearly; a decision that turns on your own residency status, your family's circumstances or two countries' rules at once should be checked with a qualified professional, a chartered accountant for tax or a property lawyer for title and paperwork, before you act on it.
Tell us when we're wrong
Because so much of what we cover touches money, tax and law, we treat accuracy as the job. Rules change, and readers going through the process themselves are the best error-detectors this site has. If you ever spot something out of date or wrong, please tell us. We verify it against the primary source and fix it, and substantive corrections are logged in public.
How this site works
Editorial policy · Corrections policy · Advertising policy · Research team