NRI Property Investment in India: 2026 Tax & FEMA Update

<p>Non-Resident Indians can purchase residential and commercial property in India without RBI approval, but agricultural land, plantation property and farmhouses remain restricted.</p><h3>What you can buy</h3><ul><li>Residential apartments / villas / plots</li><li>Commercial offices, shops, warehouses</li></ul><h3>What you cannot buy</h3><ul><li>Agricultural land</li><li>Farmhouses</li><li>Plantation property</li></ul><h3>Funding the purchase</h3><p>Use NRE / NRO / FCNR accounts. Home loans are available from major Indian banks at competitive rates.</p><h3>TDS on sale</h3><p>20% TDS applies on sale by an NRI. Apply for a lower-deduction certificate to reduce cash blockage.</p>