NRI Property Investment in Delhi NCR — 5 Questions We Get Asked Most

Every month, BNY Realty receives enquiries from NRIs looking to buy property back home — in Gurgaon, in Pataudi, in New Gurgaon. The questions are usually the same five. Here are honest answers.

1. Can NRIs Buy Property in India?

Yes — with very few restrictions. Under FEMA (Foreign Exchange Management Act), NRIs can purchase residential and commercial property in India without any special permission. The only properties NRIs cannot buy are agricultural land, plantation property and farmhouses (though these can be inherited). Plots, apartments and commercial units are fully open for NRI purchase.

2. Do I Need to Be Present in India to Buy?

No. You can execute the entire transaction remotely using a Power of Attorney (POA) granted to a trusted person in India — a family member, lawyer or authorised representative. The POA must be notarised in your country of residence and apostilled (or attested by the Indian consulate). BNY Realty has helped multiple NRI clients complete purchases, from site video tours to registry, without a single India trip.

3. How Do I Pay? Can I Use My Foreign Account?

Payment must come from a Non-Resident External (NRE) or Non-Resident Ordinary (NRO) bank account in India or via a direct inward remittance in foreign currency. Cash transactions are not allowed. The good news: repatriation of proceeds when you eventually sell (up to the original purchase amount) is freely allowed from an NRE account.

4. What Are the Tax Implications?

When you sell Indian property as an NRI, TDS (Tax Deducted at Source) is deducted by the buyer at 20% (long-term capital gains) or 30% (short-term). You can claim a refund of excess TDS if your actual capital gains tax liability is lower. If you reinvest capital gains in another property or in NHAI/REC bonds within the specified window, you can reduce your tax liability significantly. We recommend consulting a CA familiar with NRI taxation before finalising.

5. Why Delhi NCR and Specifically Why Pataudi?

Most NRIs buying for investment want two things: safety of principal and growth potential. Delhi NCR offers both — it's one of India's most liquid property markets, which means you can exit when you need to. Pataudi specifically offers entry prices far below central Gurgaon (starting ₹1 Crore for a DDJAY plot) with infrastructure-backed growth from the KMP Expressway and IMT Manesar. For NRIs who want exposure to Indian real estate without overcommitting capital, a well-chosen DDJAY plot is often the right starting point.

Have a specific question about NRI investment? WhatsApp us at +91-9821243055 — we respond in English, Hindi and can connect you with our legal and banking partners.