investment plan in india for nri

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Investment plan in india for nri chf to huf

Investment plan in india for nri

You can even use the services of a real estate broker who can get all the work done and manage everything seamlessly for you. An important thing to note is here that if you are an NRI, you are only allowed to invest in residential or commercial real estate properties, and not agricultural land.

Bonds and Non-Convertible Debentures NCD — If you want to diversify your portfolio beyond bank deposits and explore opportunities in the financial market you can do that through bonds and debentures. A bond is a unit of corporate debt issued by a company and is referred to as a fixed-income instrument as it pays a fixed interest rate to debt-holders. Bond prices are inversely correlated with interest rates and have specific maturity dates for repayment of the principal amount.

There are three main categories of bond that you can invest in — Non-Convertible Debentures NCD - An NCD is a fixed deposit used by public companies in India to raise funds without diluting their equity. They give a fixed rate of interest for a specific period, and the debentures offered by these companies cannot get converted into shares.

These are a good option if you are looking for secure long term options beyond stock and mutual funds and want to diversify your portfolio with low risk and ample liquidity investments. Also, the NCD market is well regulated, the investment process is exclusively online, and the allotted NCDs get credited to your Demat account. All PSU bonds have a specific maturity date and have a built-in redemption. If you have an average risk appetite and are looking for double-digit returns, this is a good investment option for you.

The market for PSU bonds has grown substantially over the past few years, and many high net worth investors are now opting for PSU bonds. Perpetual Bonds — These are bonds that do not have a maturity date and are not redeemable. However, they pay a steady stream of interest and have a perpetual bond cash flow. You can trade these bonds in the open market and to make a profit using these bonds, market conditions and your willingness to sell them play an important role.

Government Securities — The Reserve Bank of India has recently allowed non-residents to invest in specified Government of India dated securities without any quantitative limit. As an NRI, you get permitted to invest in Government securities under the debt regulations which makes you eligible to invest under the FAR as well.

Some types of dated government securities you can opt for long-term investment strategies include — Fixed-rate government bonds — The interest rate on these bonds are fixed. Floating rate government bonds — The interest rate here changes according to market fluctuations. Capital Index Bonds CPI bonds — These bonds have coupon payment rates that are adjusted based on the current inflation rates in the Indian market.

Certificate of Deposits CDs — A Certificate of Deposit is a type of money market instrument issued against the funds deposited by you with a bank in a Demat form for a specific tenure. That means you cannot endorse it to another NRI in the secondary market. CDs get regulated by the Reserve Bank of India and usually used as short-term investments. National Pension Scheme NPS — If you want to plan for your retirement and are looking for a long-term investment with equity exposure in your portfolio as well as pension benefits, NPS is a good option for you.

In NPS, you get various choices like equity investment, government securities, and other fixed-income instruments. But you can invest in NPS only if you are an Indian citizen. Also, when investing in NPS, the savings get locked in, and you get a lump sum amount only after retiring while the rest gets used for a pension. Therefore, you should opt for NPS after careful consideration based on your long-term retirement plans and financial goals. There are two types of NPS accounts — Tier 1 Account — All payments and funds are locked in this account until retirement.

The rest of it gets invested into an annuity. Tier 2 Account — These accounts offer more flexibility concerning deposit and withdrawal of funds but can get opened only if you already are a Tier 1 account holder. Tier 2 accounts allow you to decide your own portfolio structure and that can be achieved by using a diversified investment strategy. If you are looking for secure returns and also have long-term financial plans, you can opt to invest in ULIPs investing plans.

When investing in this option, you have to pay a premium either on a monthly or annual basis. A part of it gets used for providing insurance cover, and the rest of the amount gets invested in the fund chosen by you like equity, debt, or hybrid. Is it worth investing in ULIPs? ULIP or Mutual funds? Know the differences and what to go for.

Gold - Investments in gold can be done in various formats such as gold bars, gold ETFs, gold mutual funds, gold deposit schemes, and others. If you are willing to invest in gold and are a conservative investor with a low-risk appetite, you can opt for gold ETFs or Gold Exchange Traded Funds. These instruments function as a mix of both stock and gold investments and get traded on the National Stock Exchange NSE. Gold ETFs are completely transparent in terms of pricing and can be bought and sold like any other company stock.

As an NRI, you can invest in ETFs with minimum portfolio management and a low transaction fee structure to gain exposure to a myriad of Indian equities or debt. ETFs are a cost-effective way for you to quickly invest in the Indian stock market as you get access to a portfolio of Indian stocks that mirror indexes such as the Nifty ETFs can help you diversify across sectors and companies in an easier manner as compared to direct investment in individual Indian companies.

There are three types of mutual funds — Debt Funds — These funds invest only in fixed income instruments and are a reasonable choice if you want to move out of the realm of bank deposits and bonds while still avoiding high risk like in direct equity investments. If you sell your mutual fund investment within three years, it will be taxable as per the Income-tax slab rate applicable to you. Hybrid Funds - These are funds that divide investments between equity and debt to create a balance.

If you want to mitigate risks by creating a balanced portfolio, hybrid mutual funds are a popular investment choice. These funds distribute your investment corpus across different asset classes in a well-planned manner to minimize risk and generate capital appreciation.

For long-term income generation, hybrid funds invest in equity stock of companies while for short-term gains, it focuses on debt instruments and government bonds. The purpose of KYC is to ensure that money laundering or illegal activities do not take place.

If you are living abroad, you can get soft copies of the Mutual Fund KYC forms online through the websites of different mutual fund companies to submit them and proceed with your investment. The bank may even require an in-person verification, which you can comply with by visiting the Indian Embassy in your resident country. IPV is the process of physically meeting the official representative of the mutual fund house where you intend to invest with your original documents. Moreover, both your signatures should be present on the KYC documents that you submit to your respective mutual fund company.

Documents required to be submitted along with application form — Recent passport-sized photograph Identity Proof like your passport, driving license, or PAN card. Address proof. That can include your residential electricity bills, bank account statement, or even Life Insurance Policy. If you have not made the payment via a cheque or a draft and do not have access to FIRC, then you can even submit a letter from your bank to confirm your transaction.

Redemption — Different fund houses follow different procedures for redemption by NRIs but usually when you redeem your fund units, the asset management company credits your investment and gains after deducting applicable taxes, if any, to your account. You must maintain a bank account in India to invest in mutual funds in the country and redeem the units. However, if you purchase mutual fund units from an NRO account, the maturity proceeds do not qualify for repatriation and only get credited to your NRO account.

If you decide to diversify your portfolio and invest in India from abroad, then along with knowledge of the various investment options and their risks or benefits it is also crucial to understand their effect on your tax liability. To begin with, if you have opened an NRE account in India, you can get assured that you will not have to pay any taxes in India. There is no income tax on interest earned on an NRE account and also no application of any wealth or gift tax.

As long as you continue to pay taxes on the income you earn abroad, any money transferred to India in your NRO account will not be taxable, whether they are interest earnings or even your NRE fixed deposits. However, if you open an NRO account to save money earned in India, the tax must be paid according to the income tax slab applicable to you.

Do I pay taxes on mutual funds? However, certain tax deductions under Section 80 of the Income Tax Act available to Resident-Indians like medical treatment of disabled dependent, treatment of family members suffering from specified diseases, and are not allowed if you are an NRI. Everything you need to know about foreign remittance tax. Double Tax Avoidance Agreement or DTAA is an agreement between countries to prevent the same income getting taxed twice in the country of origin and the country of residence for a non-resident individual.

With various options to invest in, NRIs are finding it difficult to sort out the best options for them. Bank FDs are considered the safest investment option as there are hardly any instances of banks defaulting on them. The rate of interest depends on the bank, amount you deposit, and the tenure of the deposit.

Generally, banks and NBFCs offer higher rates of interest on higher amounts deposited for longer tenures. Senior citizens are offered a slightly higher rate of interest. You can invest in FDs if you are totally risk-averse and are ready to settle for average returns. PPF is a government-backed scheme. Both resident and non-resident Indian citizens are allowed to invest in PPF. PPF investment comes with a lock-in period of 15 years and the maximum amount that you can invest is Rs 1.

The amount accumulated at the time of maturity is completely tax-exempt. You can invest in NPS if you are aged between 18 and 60 years. You can consider investing in equity if you are an aggressive investor, and are ready to take some risk. Indian stock markets have shot up since the general elections. Mutual funds possess moderate risk. They are neither as risky as investing in stock markets nor as safe as investing in bank FDs.

Mutual funds are capable of offering much higher returns than bank FDs. There are various fund houses offering various funds to invest in. You can pick as per your risk profile and financial goals.

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IS STOCK MARKET CONSIDERED PASSIVE INVESTMENT

Real Estate — Real estate in India is an ever-growing industry and holds significant prospects in sectors like hospitality, commercial, housing, manufacturing, and retail. They are also moderately-liquid investments and are quite popular because the risk involved is low while the return received is very high as real estate property prices keep increasing.

There are several ways you can opt for a real estate investment, some of which are — commercial properties, residential properties, and Real Estate Mutual Funds. Investments in commercial spaces such as offices or shops can help you generate considerably high returns but make sure that you research the properties thoroughly and do not make decisions in a hurry.

You can even use the services of a real estate broker who can get all the work done and manage everything seamlessly for you. An important thing to note is here that if you are an NRI, you are only allowed to invest in residential or commercial real estate properties, and not agricultural land. Bonds and Non-Convertible Debentures NCD — If you want to diversify your portfolio beyond bank deposits and explore opportunities in the financial market you can do that through bonds and debentures.

A bond is a unit of corporate debt issued by a company and is referred to as a fixed-income instrument as it pays a fixed interest rate to debt-holders. Bond prices are inversely correlated with interest rates and have specific maturity dates for repayment of the principal amount. There are three main categories of bond that you can invest in — Non-Convertible Debentures NCD - An NCD is a fixed deposit used by public companies in India to raise funds without diluting their equity.

They give a fixed rate of interest for a specific period, and the debentures offered by these companies cannot get converted into shares. These are a good option if you are looking for secure long term options beyond stock and mutual funds and want to diversify your portfolio with low risk and ample liquidity investments.

Also, the NCD market is well regulated, the investment process is exclusively online, and the allotted NCDs get credited to your Demat account. All PSU bonds have a specific maturity date and have a built-in redemption. If you have an average risk appetite and are looking for double-digit returns, this is a good investment option for you. The market for PSU bonds has grown substantially over the past few years, and many high net worth investors are now opting for PSU bonds.

Perpetual Bonds — These are bonds that do not have a maturity date and are not redeemable. However, they pay a steady stream of interest and have a perpetual bond cash flow. You can trade these bonds in the open market and to make a profit using these bonds, market conditions and your willingness to sell them play an important role. Government Securities — The Reserve Bank of India has recently allowed non-residents to invest in specified Government of India dated securities without any quantitative limit.

As an NRI, you get permitted to invest in Government securities under the debt regulations which makes you eligible to invest under the FAR as well. Some types of dated government securities you can opt for long-term investment strategies include — Fixed-rate government bonds — The interest rate on these bonds are fixed. Floating rate government bonds — The interest rate here changes according to market fluctuations.

Capital Index Bonds CPI bonds — These bonds have coupon payment rates that are adjusted based on the current inflation rates in the Indian market. Certificate of Deposits CDs — A Certificate of Deposit is a type of money market instrument issued against the funds deposited by you with a bank in a Demat form for a specific tenure.

That means you cannot endorse it to another NRI in the secondary market. CDs get regulated by the Reserve Bank of India and usually used as short-term investments. National Pension Scheme NPS — If you want to plan for your retirement and are looking for a long-term investment with equity exposure in your portfolio as well as pension benefits, NPS is a good option for you. In NPS, you get various choices like equity investment, government securities, and other fixed-income instruments.

But you can invest in NPS only if you are an Indian citizen. Also, when investing in NPS, the savings get locked in, and you get a lump sum amount only after retiring while the rest gets used for a pension. Therefore, you should opt for NPS after careful consideration based on your long-term retirement plans and financial goals. There are two types of NPS accounts — Tier 1 Account — All payments and funds are locked in this account until retirement.

The rest of it gets invested into an annuity. Tier 2 Account — These accounts offer more flexibility concerning deposit and withdrawal of funds but can get opened only if you already are a Tier 1 account holder. Tier 2 accounts allow you to decide your own portfolio structure and that can be achieved by using a diversified investment strategy. If you are looking for secure returns and also have long-term financial plans, you can opt to invest in ULIPs investing plans.

When investing in this option, you have to pay a premium either on a monthly or annual basis. A part of it gets used for providing insurance cover, and the rest of the amount gets invested in the fund chosen by you like equity, debt, or hybrid. Is it worth investing in ULIPs? ULIP or Mutual funds? Know the differences and what to go for. Gold - Investments in gold can be done in various formats such as gold bars, gold ETFs, gold mutual funds, gold deposit schemes, and others.

If you are willing to invest in gold and are a conservative investor with a low-risk appetite, you can opt for gold ETFs or Gold Exchange Traded Funds. These instruments function as a mix of both stock and gold investments and get traded on the National Stock Exchange NSE.

Gold ETFs are completely transparent in terms of pricing and can be bought and sold like any other company stock. As an NRI, you can invest in ETFs with minimum portfolio management and a low transaction fee structure to gain exposure to a myriad of Indian equities or debt. ETFs are a cost-effective way for you to quickly invest in the Indian stock market as you get access to a portfolio of Indian stocks that mirror indexes such as the Nifty ETFs can help you diversify across sectors and companies in an easier manner as compared to direct investment in individual Indian companies.

There are three types of mutual funds — Debt Funds — These funds invest only in fixed income instruments and are a reasonable choice if you want to move out of the realm of bank deposits and bonds while still avoiding high risk like in direct equity investments.

If you sell your mutual fund investment within three years, it will be taxable as per the Income-tax slab rate applicable to you. Hybrid Funds - These are funds that divide investments between equity and debt to create a balance. If you want to mitigate risks by creating a balanced portfolio, hybrid mutual funds are a popular investment choice. These funds distribute your investment corpus across different asset classes in a well-planned manner to minimize risk and generate capital appreciation.

For long-term income generation, hybrid funds invest in equity stock of companies while for short-term gains, it focuses on debt instruments and government bonds. The purpose of KYC is to ensure that money laundering or illegal activities do not take place. If you are living abroad, you can get soft copies of the Mutual Fund KYC forms online through the websites of different mutual fund companies to submit them and proceed with your investment.

The bank may even require an in-person verification, which you can comply with by visiting the Indian Embassy in your resident country. IPV is the process of physically meeting the official representative of the mutual fund house where you intend to invest with your original documents. Moreover, both your signatures should be present on the KYC documents that you submit to your respective mutual fund company. Documents required to be submitted along with application form — Recent passport-sized photograph Identity Proof like your passport, driving license, or PAN card.

Address proof. That can include your residential electricity bills, bank account statement, or even Life Insurance Policy. If you have not made the payment via a cheque or a draft and do not have access to FIRC, then you can even submit a letter from your bank to confirm your transaction.

Redemption — Different fund houses follow different procedures for redemption by NRIs but usually when you redeem your fund units, the asset management company credits your investment and gains after deducting applicable taxes, if any, to your account. You must maintain a bank account in India to invest in mutual funds in the country and redeem the units.

However, if you purchase mutual fund units from an NRO account, the maturity proceeds do not qualify for repatriation and only get credited to your NRO account. If you decide to diversify your portfolio and invest in India from abroad, then along with knowledge of the various investment options and their risks or benefits it is also crucial to understand their effect on your tax liability.

To begin with, if you have opened an NRE account in India, you can get assured that you will not have to pay any taxes in India. There is no income tax on interest earned on an NRE account and also no application of any wealth or gift tax. As long as you continue to pay taxes on the income you earn abroad, any money transferred to India in your NRO account will not be taxable, whether they are interest earnings or even your NRE fixed deposits.

However, if you open an NRO account to save money earned in India, the tax must be paid according to the income tax slab applicable to you. The year was not an immeasurable year for investing in the stocks as it witnessed significant bleeding throughout the year. Nonetheless, a similar situation was observed in any other country across the world. However, if you have a look at the year previous to that i.

Anyways, financial markets are subject to lots of ups and downs. It goes without saying that you need to undertake end-to-end research before you make your investment decision. Nevertheless, whatever investment option you opt for, it should always depend on your financial goals, liquidity requirement, risk appetite and expected returns. In this post, we are going to discuss a few of the best investment options for NRIs in India which can provide them with adequate returns depending on their goals and needs.

Here are a few solid investment options in India where you can consider investing if you are an NRI. Investing in Fixed Deposit is not only popular among the residents in India but also an attractive investment scheme for the NRIs. All three of these are the types of bank accounts that an NRI can open in India. Anyways, how much rate of interest will be applicable to your FD depends on the tenure of your deposit.

Further, if you are a senior citizen, you would get the privilege of earning an extra interest of one percent. Note: You can read more about the current Fixed Deposit rates in India here. In case you are an aggressive investor, you can consider investing in the equities listed in the Indian market.

Further, this is to be noted that, as an NRI, you are not at all permitted to carry out intraday trading and short selling in India. This implies that you need to own the stocks before you can sell them. Mutual Fund organizations pool money from their investors and then invest the same in the different financial assets.

Mutual Funds have moderate risks as they are neither as risky as direct trading in stocks, nor they are as risk-candid as FDs. Further, mutual Fund investments can be highly profitable. There are a plethora of schemes available for Mutual Fund which can choose depending on your risk appetite and financial aspirations. Quick Note: Looking for the best Demat and Trading account to start your investing journey? Start Now!!

Anyways, if you are a person residing outside India, you would, unfortunately, face some limitations in mutual fund investing in India because of some rigid FATCA regulations. Furthermore, you also have to invest in Indian rupees and not in any foreign currency. A safer form of investment similar to FD is Public provident fund. PPF is an investment alternative which is backed by the Indian Government.

However, here the maximum limit is Rs 1. You can open your PPF account through a post office or through a branch of any nationalized bank in India. To know more about PPF, you can read this blog on our website. If you are looking for another tax-efficient investment option, you can even consider investing in NPS National Pension Scheme.

This is also cost-effective, easily accessible, and tax-efficient way to invest your money. National Pension Scheme is an Indian Government sponsored pension system. If you invest in this instrument, your entire capital during maturity is treated as tax-free. Apart from that, you are not required to pay even a penny to the government as tax on the amount that you withdraw as pension.

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They can choose either route as the best investment option in India. Before planning where to invest money in India , NRIs should have bank accounts for channelizing that either long or short term investment. With their features, these are:. CA certified tax paid certificate is to be submitted before repatriation.

Interest on this deposit is taxable in India. Principal amount, NRE funds and interests are subject matters of repatriation. It can be for NRE savings, recurring and fixed deposit account. It provides conversion at the fixed rate and thereby, helps in avoiding loss due to fluctuating rate. In association with an Indian native, an NRI can open this joint account.

Its duration may last from one year to 5 years. Interest on the investment is tax free but principal amount is taxable. Its interest rate stays in between 1. It gives the NRI an option for opening an annuity after retirement. But, if he does not fulfil this condition i. So, if you satisfy any of the above conditions, then you become an Ordinary Resident.

If yes, now you wonder how to invest your money in India. Firstly, you need to be clear about your financial goals as to why you want to invest :. In fact, there are numerous opportunities available for NRIs wherein you can convert foreign currency into Indian assets and long term investments.

This is the most common and one of the favourite mode of investing by NRIs. Being an NRI, you can open a Fixed deposit account in an Indian bank authorised to deal in foreign exchange. In simple words, an NRI can open a term deposit through 3 different types of accounts in India i.

This can be in the form of savings, current, recurring or fixed deposits and can be maintained in Indian rupees. This is best suited for NRIs who want to transfer their foreign income to Indian accounts. Both principal and accrued interest can be easily repatriated easily anytime.

But, NRO accounts offer a limited repatriation per year i. It helps you to avoid the fluctuations in the exchange rate since the deposit is in foreign currency. Interest earned is tax free and fully repatriable. If you are a newly landed immigrant, you can have a look at Newcomers Bank Accounts in Canada. To invest in Mutual funds, an NRI needs to have any of the 3 bank accounts i.

The investment has to be made in Indian currency and not in foreign currency. At redemption, the amount shall be paid in Indian currency either through cheque or directly credited to investor account. An NRI can transact through a stock broker only. An approval under the PIS is required for trading in the stock market. Only one PIS Account per individual is allowed.

Also, NRIs cannot trade in all the Indian stocks. Hence, NRIs can only trade on delivery basis. NRIs need to own the stocks before they want to sell it. Investing in the real estate sector is a traditional and an all time favourite investment method for most of the NRIs.

Indians leave their country and become NRIs. But, having a home or property back in your own country is considered as a valuable possession. In addition to financial appreciation , it gives you a sense of emotional security as well. Real estate sector is considered as a lucrative investment option for NRIs.

As an NRI, you can purchase both residential and commercial properties. There is no restriction on the no. But, you cannot buy agricultural lands, farm house or plantations. Although, you can have ownership of agricultural land through inheritance or gift. The Government and companies require money from time to time for various projects or their expansion.

Hence, bonds are issued for borrowing money. If you invest in bonds, you will be considered as a lender unlike equity where you have an equity stake in the company. Being an NRI, you have the freedom to invest in bonds and government securities. Investors get fixed returns on such bonds issued by companies or government institutions.

NRIs also have the option to subscribe to Certificate of Deposits but on a repatriable basis. Certificate of Deposits are non negotiable money market instruments issued in demat form or in the form of promissory notes. CDs yield higher rate of interest as compared to bank deposits. There maturity period ranges from 7 days to 1 year and are best suited for people having short term financial goals.

This is also a good investment alternative. Once you give up your Indian citizenship, the account is closed. You contribute to NPS account with certain restrictions on withdrawal. So, this is basically a non-withdrawable account till retirement. You can withdraw from Pension account any time without any restriction.

Deposit in NPS yields fair amount of returns and enables you to build a good post retirement corpus. Also, an additional deduction of Rs. If you are an NRI investing in India, here is a list of crucial points to be considered while investing:. Go ahead and evaluate the various Investment opportunities available and select the one that best suits you. Before investing, do check the Investment rules and tax regulations of the country where you live. Feel free to leave your valuable comments and any other suggestions that might be helpful to someone.

Is there any limit for depositing money into it? Also, this month I took a big bank loan in Dubai work place. I am thinking to transfer this big amount in one time. Is it ok to do so? Any views. Investment is real estate in India is not so attractive these days. Its better for NRIs to select from other investing options. I heard that the interest will be credited to my NRE account each year on 12 March.

If it is taxed, what is the tax slab applicable? Looking forward to hearing from you. Thanks for sharing the valuable information about safe investing tips for NRIs looking to invest in India. Nice information! Any suggestion. Too many restrictions on NRIs to invest in India like in mutual funds and stock trading. I think a bit relaxation should be given. This way more funds can flow into the country easily. Appreciate the post.

Any suggestion is highly appreciated. You need to take RBI approval which is not easy and is based on individual circumstances. You can acquire agricultural land only by inheritance. As per FEMA guidelines they are not allowed to purchase agricultural land. But, they can hold such Agricultural land if they get it through Inheritance.

Really a good article, as all options are explained in detail. Thank you very much. I did share this site with my friends as well. Managing their finances in the home country is one of the primary concerns of most Indians as soon as their tag changes to an NRI Non-Resident Indian. Knowing the right account services based on the interest rate, purpose, repatriation requirement, tax obligation etc makes their money management so much easier.

But, where can someone find about these topics? Thanks for sharing the useful information. This is really a comprehensive article and addresses all the NRI investment opportunities in a neat format. Kuddos to the author! I feel out of all the investment options, real estate seems to be of my interest. Thanks for the info. Great post once again! In this context, can the Government impose a rule retrospectively? Is there a legal recourse to this new rule.

Hi, I have also been investing in PPF account. The interest that you have already earned in the previous years may not be affected. Yes, but now your account shall not earn interest rate applicable on PPF as it used to be earlier. Further,this may be for the new investors who subsequently become NRIs after opening PPF account after the amendment date.

Hoping to see some relaxation and clarification on it. Logically also the reduced rate of interest should apply from the date of notification. Really hope this has no affect on existing accumulated deposits of NRIs who were continuing their PPF accounts as per previous rules. Otherwise it shall be a big hit on their savings. You will have to check with the respective bank where you have your PPF account for the withdrawal procedure and other details.

We need to wait for further clarification on this matter. Hope for the best! Thanks for such an informative article. Yes, this is indeed a good info shared for NRIs. A nice platform to learn on different topics. Thanks a lot. Hi Thanks you for the nice article, which is very helpful. Now I converted as NRI. Can I continue invest in existing PPF account? Also can I extend PPF account further 5 years once the 15 years term is over?

Thanks for your appreciation. If you opened a PPF account while you were a Resident Indian, you are allowed to maintain it further and contribute to it till maturity. So,this means you can not make any contributions after completion of 15 years i. This facility is available to Resident Indians only.