NRI Financial Services | Rukmani Financial Services

1. MUTUAL FUNDS FOR NRIs

Invest in Indian Mutual Funds from Overseas

NRIs can invest in eligible Indian mutual fund schemes, subject to applicable regulations, KYC requirements and the policies of the respective AMC/RTA.

Rukmani Financial Services assists eligible NRI investors with the Mutual Fund investment process through the Regular Plan / distributor route, including documentation and onboarding support.

AMFI states that NRIs can invest in Indian mutual funds, subject to the respective fund's requirements. NRI KYC also involves additional documentation such as passport and overseas/permanent address proof.

Our NRI Mutual Fund Assistance Includes:

NRI Mutual Fund onboarding

NRE / NRO account-based investment process

KYC documentation assistance

Physical documentation process wherever applicable

FATCA / CRS related requirements

Bank account and payment process coordination

Mutual Fund scheme selection based on the investor's requirements

SIP / lump-sum investment assistance, where permitted

Redemption and transaction process assistance

AMC / RTA documentation coordination

Physical Process for NRI Investors

Where physical documentation is required, our team can assist with the process, including:

Documentation KYC Certification / Attestation Submission AMC / RTA Processing Investment

The exact documentation and attestation requirements may vary based on the investor's country of residence, AMC/RTA requirements and applicable regulations.

Important

Some AMCs may have restrictions on accepting investments from residents of certain countries. For example, SEBI's NRI investor material notes that some fund houses may not accept applications from NRIs based in the US and Canada.

Therefore, NRI Mutual Fund services are subject to country-specific, AMC-specific and regulatory eligibility.

Explore Mutual Fund Services

2. LOANS FOR NRIs & OCIs

Loan Solutions for Your India-Based Financial Requirements

NRIs and eligible OCIs may have financing requirements in India for property, housing, business or other permitted purposes.

Rukmani Financial Services assists eligible customers in understanding and processing suitable loan options through our lending network, subject to lender policy, applicant eligibility and applicable RBI/FEMA regulations.

Loan Assistance for:

NRI Home Loans

NRI Loan Against Property

Property-backed financing

Other eligible loan requirements

For NRI / OCI Applicants — We can assist with:

Understanding loan eligibility
Documentation coordination
Income and employment document requirements
Overseas income documentation
Indian property documentation
Bank / NBFC coordination
Application processing
Follow-up with lending institutions
Sanction and disbursement coordination

NRE / NRO — Loan eligibility and repayment requirements may differ depending on:

NRE / NRO account status
Applicant's residential status
Source of income
Country of residence
Property type
Loan purpose
Lender's internal policy
Applicable RBI/FEMA regulations

For OCI Applicants

Eligible OCI applicants may be considered for applicable loan products, subject to:

Regulatory eligibility + lender policy + property eligibility + documentation requirements

We do not represent that every loan product is available to every NRI or OCI applicant.

Discuss Your Loan Requirement

3. STOCK MARKET FOR NRIs

Access Indian Stock Market Services from Overseas

NRIs can participate in India's securities markets subject to applicable SEBI, RBI/FEMA and intermediary requirements.

We facilitates stock-market related services through the applicable authorised arrangement with JM Financial Services, with the relevant account-opening, KYC, banking and regulatory requirements.

SEBI's investor guidance states that investors need the appropriate demat, trading and bank-account arrangements, while its NRI material sets out specific account and PIS-related requirements for applicable NRI investments.

NRI Stock Market Assistance:

NRI Trading Account

NRI Demat Account

NRE / NRO related account process

KYC and documentation assistance

Equity investment process

Account opening coordination

Transaction process assistance

Regulatory documentation support

NRE / NRO

The applicable account structure depends on the nature of the investment and whether the investment is on a repatriable or non-repatriable basis.

For applicable PIS transactions, RBI/SEBI materials specify requirements involving designated banking arrangements and NRE/NRO accounts.

A Structured NRI Onboarding Process

Application KYC Bank Account Demat & Trading Account Regulatory Checks Activation Investment

The exact process can vary depending on the investor's status, country of residence, investment route and prevailing regulations.

OPEN A DEMAT ACCOUNT Explore Stock Market Services

4. WHY NRIs CHOOSE RUKMANI

Support for Your India-Based Financial Requirements

Three Core Services

Mutual Funds

Investment assistance for eligible NRI investors through applicable AMC and regulatory processes.

Loans

Assistance with eligible financing requirements in India through banks and NBFCs.

Stock Market

Assistance with applicable NRI securities-market account and investment processes.

Process Support

Documentation

Support in understanding and preparing the required documents.

Coordination

Coordination with banks, AMCs, RTAs and relevant intermediaries.

Compliance-led Process

Processes are undertaken subject to applicable regulatory and institutional requirements.

NRI