Five investment options that you can explore

 The International Monetary Fund (IMF) has referred to India as a shining star in the coming prospect of recession. There has never been a better moment to invest in India, say, experts, as it has one of the world’s fastest-expanding economies. There are a number of investment options and periodic income production tools available today for NRIs, each with its own set of advantages. It’s sometimes thought that now is a lucky time to make decisions like investments because the holiday season has arrived.

Real estate: The real estate industry has drawn investors and is expected to grow to a market size of $1 trillion. Commercial and residential real estate (CRE) has long been a popular choice for investors. Commercial property can also rise between 5 and 10% annually, depending on the area, making it a fantastic investment choice.

“The CRE sector has greatly benefited from the availability of more accessible tools like REITs and fractional ownership. These instruments have made the market more accessible to retail investors. A commercial property’s rental yield, which ranges from 8% to 10% annually, is larger than that of a residential property “.

Subhash Goel Pune, MD, Goel Ganga Developments, said, “Recently, the Indian government relaxed the rules governing foreign direct investment (FDI) in India, particularly in the construction sector. Non-resident Indians (NRIs) are ecstatic about the move. As the Indian rupee falls in value against the US dollar, NRIs are likely to find real estate here more affordable. If more NRIs invest in Indian real estate, the sector will see more capital flow. This may provide the sector with much-needed growth, and increased capital investment in the sector is likely to reduce housing costs in the country.”.

Mutual Funds: As an investment that can exceed the annual rate of inflation, mutual funds are quickly gaining appeal. NRIs wishing to invest for the long term but with little experience in overseas investments might think about mutual funds because they offer superior returns. Mutual funds invest in a variety of stocks to diversify their equity risk. 

ULIP: Unit-Linked Insurance Plan combines the benefits of investment and insurance with a typical lock-in period of five years. The hybrid option allocates a portion of one’s premium towards offering him/ her a life cover and the rest is invested in a variety of financial instruments.

NPS: National Pension Scheme, the government-backed pension scheme, invests in equity, debt, or a combination of the two. NRIs may opt for the active choice or auto choice options to decide the amount to be invested in the equity. Anybody between the ages of 18 and 60 years can contribute to the NPS. NRIs can also open an online eNPS account if they have a PAN or Aadhaar card.

Fixed Deposit: Fixed Deposits or FDs are not only popular amongst Indians but also among non-resident Indians. Since it's a risk-free investment and comes with different tenure options, it allows flexibility besides guaranteed income.  NRIs can start investing in FDs through NRE, NRO or FCNR accounts.

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