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SIR Financial Services Pvt. Ltd.AMFI-Registered Mutual Fund Distributor
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NRI investing

Invest in India from anywhere in the world.

About one in five families we guide lives outside India. We know the questions before you ask them — and which fund houses will decline you before you apply.

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Evening slots for the Gulf and Europe · Early-morning IST for North America

  • 17countries we serve
  • 2–3 wksfrom first call to first investment
  • Videoin-person verification
  • ₹0extra charged to NRIs

Key ideas

The NRI rules that matter most.

NRE and NRO

Your account decides what can go back abroad.

Money invested from an NRE account can be sent abroad freely. From an NRO account, only up to a yearly limit, with a CA certificate.

Choose the right account first.

Tax residency (FATCA)

Update your tax residency when you move.

If your FATCA declaration is out of date, your investments can be frozen just when you need them.

Keep the paperwork as current as your address.

Tax at source

Tax is deducted when you sell.

For NRIs, tax is deducted at redemption, not settled later. This affects when and how much you sell.

Plan the exit around the tax, not after it.

Tax treaty

A treaty can lower the tax deducted.

With a DTAA, a tax residency certificate and Form 10F can lower the tax deducted.

Ask for the relief you are entitled to.

Country rules

Some countries have extra limits.

Many fund houses don’t accept investors living in the US or Canada. Better to know this on the first call.

Know your own country’s rules before you invest.

Global footprint

Our Families Across Continents

Based in Hubballi, trusted by families across India and in seventeen countries — one practice, guiding NRIs in their own time zone.

SIR Financial Services Pvt. Ltd.AMFI-Registered Mutual Fund Distributor

  • United StatesFamilies investing in India from United States.
  • United KingdomFamilies investing in India from United Kingdom.
  • IrelandFamilies investing in India from Ireland.
  • GermanyFamilies investing in India from Germany.
  • NetherlandsFamilies investing in India from Netherlands.
  • SwedenFamilies investing in India from Sweden.
  • PolandFamilies investing in India from Poland.
  • UAEFamilies investing in India from UAE.
  • Saudi ArabiaFamilies investing in India from Saudi Arabia.
  • QatarFamilies investing in India from Qatar.
  • CanadaFamilies investing in India from Canada.

Our investors across the world

Where our families liveIndia

Some of the countries our families live in, guided from Hubballi in their own time zone.

States our families live inKarnataka

Families across India, from Gujarat to West Bengal, guided from one office in Hubballi.

Districts our families live inOther districts

Home ground: families in almost every district of Karnataka, from Belagavi to Mysuru.

First decision

NRE or NRO — and why it matters later.

You can’t invest in Indian mutual funds in foreign currency. The money must come through a rupee account, and that choice decides whether you can take it back out freely.

NRE vs NRO
NRE accountNRO account
Money it holdsIncome earned outside IndiaIncome earned in India — rent, dividends, pension
Sending money backFreely, principal and returnsUp to USD 1 million a year, with paperwork
Interest taxed in IndiaNoYes, with TDS
Best forNew investment from your overseas salaryInvesting rent or other Indian income

A summary for orientation, current as at August 2026. Confirm your position with your bank and a tax practitioner in both countries before acting.

The one that surprises people

FATCA isn’t a ban.

It’s a reporting rule. Some fund houses decide it isn’t worth the extra work and don’t accept investors living in the US or Canada. Others accept them only on paper forms. This list changes from time to time.

FATCA

We check who will accept you — before you fill a form.

Before any paperwork, we check which fund houses currently accept investors from your country, and build your plan only from those.

  • Ireland, UK, Germany and the Gulf: rarely affected
  • US and Canada: usually a shorter list — we say so on the first call
  • No surprise rejections weeks later

Getting started

Complete KYC without flying to India.

  1. 1

    PAN and NRE/NRO account

    Both must exist first. If your PAN is from before you moved, its status needs updating.

  2. 2

    Documents, attested

    Passport, visa or residence permit, overseas address proof and a photo — attested the way your country accepts.

  3. 3

    FATCA and CRS form

    Your tax residency and tax ID where you live. Simple, but one wrong digit causes a rejection later.

  4. 4

    Video verification

    Most fund houses accept video verification. We schedule it in your time zone.

  5. 5

    First investment

    Usually two to three weeks from the first call — mostly waiting for attestation.

SIR Financial Services app

Your India portfolio, in your time zone.

Holdings, SIPs and statements whenever your evening happens to be — useful when our office is hours ahead or behind you.

  • Every fund house on one screen
  • SIP, step-up and goal calculators built in
  • Two-factor sign-in and independent security testing
Google Play(opens in a new tab)App Store(opens in a new tab)

Rated 4.9 ★ by 81 people on Google Play · 1,000+ installs

Android
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Or scan the code for your phone

Questions

The things people actually ask.

Where are my gains taxed — in India or where I live?
In India first, at the same rates as residents, usually with tax deducted when you sell. Whether you also pay at home depends on your country’s rules and its treaty (DTAA) with India. We explain the Indian side; please confirm the other side locally.
What happens if I move back to India?
Your residential status and account change, but you don’t need to sell your holdings. We handle the re-designation and KYC update.
Can I invest jointly with a parent in India?
Yes, though it affects sending money back and who is taxed. It’s usually cleaner to invest in your own name with a resident nominee.
Do you charge NRI clients more?
No. We are paid the same trail commission by the fund house wherever you live, and charge you nothing directly.
What times can we speak?
Evening slots for the Gulf and Europe, and early-morning India slots for North America. The booking page shows times in your own time zone.

Book a call at a time that suits you.

Evening slots for the Gulf and Europe, early mornings for North America. Shown in your own time zone.

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We never hold your money. Payments go straight to the fund house.

Mutual fund investments are subject to market risks. Read all scheme related documents carefully. We are distributors, not tax practitioners in your country of residence.