100+
Indian pincodes served
NRI investing in India, with professional attention.
Accrue helps NRI families invest in Indian markets through GIFT City and NRE/NRO pathways — with dedicated attention, DTAA clarity, and cross-border experience. Accrue Finvisor LLP is an AMFI-registered Mutual Fund Distributor (ARN-162637).
Your track
Two directions. One partner.
How NRI families invest through Accrue
- ◆ GIFT City funds — no separate NRO/NRE requirement, USD-denominated
- ◆ DTAA awareness across jurisdictions — specifics depend on country of residence
- ◆ Professional compliance and reporting for your Indian and foreign tax experts
- ◆ Deep Indian market insight backed by 7+ years of investing experience
- ◆ Access to global markets — US, Europe, and Asia — through GIFT City
How resident Indian families invest abroad through Accrue
- ◆ Diversify your portfolio across geographies
- ◆ US, China, Japan, Korea, gold miners — full shelf
- ◆ LRS guidance and TCS-aware planning
- ◆ Investing ideas first, geography second
- ◆ ESG and values-aligned options available
Three routes
Choose how you want to invest.
Three routes — assisted, facilitated, or self-directed — to fit different investing styles.
Most popular
Route 01
Assisted — GIFT City
GIFT City mutual funds and AIFs, curated and distributed. USD-denominated, IFSCA-regulated, no separate NRO/NRE requirement.
Route 02
Assisted — International MFs
International mutual funds and ETFs aligned to goals and currency. LRS-routed, TCS-aware.
Route 03
DIY — Direct US broking
Open a US brokerage account through our partner and invest directly in US stocks and ETFs. You are the portfolio manager.
NRI → India
How NRI families invest in India through Accrue.
NRI Family
→
Accrue
Open shelf
→
GIFT City Funds
Mutual Funds
AIF / PMS
→
Indian EquityNifty · Small-cap · Mid-cap · Thematic
Indian DebtDebt MFs · Corporate bonds · 54EC
AlternativesStartups · Private credit · RE AIFs
No separate NRO/NRE requirementvia GIFT City route
DTAA-awarewith 3rd-party tax experts
USD denominated11 currencies at GIFT City
CA-ready reportingcompliance docs included
Indian Infra
Banking
Small-caps
Private Credit
Startups
Shariah-aligned
For illustration only. Accrue is an AMFI-registered Mutual Fund Distributor (ARN-162637). Investment decisions are always yours.
For NRI families
GIFT City — India's gateway, built for you.
India's IFSC at GIFT City, Gujarat, is regulated by IFSCA — a single regulator with the powers of SEBI, RBI, IRDAI, and PFRDA combined. No NRO/NRE complications, no PAN requirement for foreign investors, USD-denominated transactions throughout.
01
Single regulator
IFSCA combines four domestic regulators. Faster approvals, clearer rules.
02
Tax advantage
No STT or GST on IFSC transactions. Concessional capital gains treatment, subject to conditions.
03
Full convertibility
11 currencies permitted. Invest, redeem, and repatriate in USD — no conversion friction.
04
Global fund houses
100+ registered entities.
Banks enabled for digital transactions
Updated 29 Sep 2026Banks enabled for digital transactions on the GIFT City website, with a one-time transaction limit. Current supported banks & limits:
| Bank | One-time transaction limit |
|---|---|
| HDFC Bank | USD 46,000 |
| Axis Bank | USD 46,000 |
| ICICI Bank | USD 100,000 |
| IDFC FIRST Bank | USD 25,000 |
| Kotak Mahindra Bank | USD 50,000 |
Limits are set by each bank and may change. Please confirm with your bank before transacting.
Open shelf
What you can access through Accrue.
Mutual funds
Indian equity, debt, hybrid, and international MFs across all major AMCs
GIFT City funds
USD-denominated MFs and AIFs at IFSC
International ETFs
US, China, Japan, Korea, gold miners — full global access via feeder funds
AIFs & PMS
Category I, II, III AIFs and portfolio management for qualified investors
Direct US stocks
Open a broking account and invest directly in US-listed stocks and ETFs
Fixed income
Bonds, capital gain bonds, FDs, and structured products across tenures
NRIs in the US and Canada
Which mutual funds accept NRIs living in the US and Canada?
Some fund houses accept NRIs who live in the US or Canada, with conditions, and some do not. Each fund house sets its own policy and may change it, so confirm with the fund house before investing. MF Utilities India (MFU) keeps a list on its page for residents of the USA and Canada. As shown on 12 October 2026, the list has 52 fund houses: 23 say No and 29 say Yes or Yes/No. Eleven of those 29 accept residents of the USA but not residents of Canada.
Where the answer is Yes, there are conditions. MFU’s page tells a resident of the USA or Canada to make sure of uploading a duly filled and signed USA/Canada declaration, in the format the respective fund house requires, within three days of placing the order. The page adds that the fund house reserves the right to accept or reject the transaction, subject to the evidence being available within that time.
Source: MF Utilities India (mfuindia.com), as shown on 12 Oct 2026.
US tax reporting (FATCA)
MFU’s list does not give a reason for any fund house’s policy. For background, the US Internal Revenue Service says the US law called FATCA “generally requires that foreign financial Institutions and certain other non-financial foreign entities report on the foreign assets held by their U.S. account holders or be subject to withholding on withholdable payments.” The US Treasury lists an agreement with India on FATCA as in force since 31 August 2015.
Steps for an NRI living in the US or Canada
- Find the fund house in MFU’s table. If it says No, MFU shows that it does not accept residents of the USA or Canada.
- If it says Yes or Yes/No, read its note on MFU’s page. Notes cover points such as US residents only, lump sum only, being present in India, and online use only through the fund house’s own website.
- Submit the USA/Canada declaration. MFU’s page says to upload a duly filled and signed declaration, in the format the respective fund house requires, within three days of placing the order. The fund house reserves the right to accept or reject the transaction, subject to the evidence being available within that time.
- Confirm the fund house’s policy with the fund house before you invest. Each one can change it.
Sources, all read on 12 October 2026
- MF Utilities India, USA/Canada residents page: https://www.mfuindia.com/for-investors/usa-canada-residents
- US Internal Revenue Service, Foreign Account Tax Compliance Act (page last reviewed or updated 24 Sep 2026): https://www.irs.gov/businesses/corporations/foreign-account-tax-compliance-act-fatca
- US Department of the Treasury, FATCA agreements by jurisdiction: https://home.treasury.gov/policy-issues/tax-policy/foreign-account-tax-compliance-act
Common questions
Frequently asked.
I'm an NRI — can I invest in Indian mutual funds directly?
+Yes, but it involves NRE/NRO accounts, KYC with each AMC, FEMA compliance, and repatriation rules. Many NRIs find GIFT City funds simpler — USD-denominated, IFSCA-regulated, no NRO/NRE route required. Accrue can walk through both routes.
What is GIFT City and why should I care?
+India's International Financial Services Centre in Gujarat, regulated by IFSCA. Concessional tax rates, no STT or GST, full currency convertibility across 11 currencies.
Which banks allow online payments for GIFT City investments, and what are the limits?
+As of 29 September 2026 (see the bank table), five banks are enabled for digital transactions on the GIFT City website, each with a one-time transaction limit: ICICI Bank USD 100,000; Kotak Mahindra Bank USD 50,000; HDFC Bank USD 46,000; Axis Bank USD 46,000; IDFC FIRST Bank USD 25,000. Limits are set by each bank and may change, so confirm with your bank before transacting.
What does DTAA mean for my investments?
+Double Taxation Avoidance Agreements prevent the same income from being taxed in both India and your country of residence. Specifics vary by country. Depending on the investor's country of residence, applicable DTAA provisions may reduce double taxation.
I live in the US — are there any restrictions on investing in India?
+Some fund houses accept residents of the US and Canada, with conditions, and some do not. Each fund house sets its own policy, so confirm with the fund house before investing. FATCA is a US tax law that generally requires foreign financial institutions to report on the foreign assets held by their US account holders. MF Utilities India keeps a list; see Which mutual funds accept NRIs living in the US and Canada? on this page.
How does repatriation work?
+For GIFT City investments, repatriation is straightforward — your money stays in foreign currency throughout. For NRE-routed mutual fund investments, redemption proceeds can be repatriated freely. NRO-routed investments have an annual repatriation limit of $1 million.
I'm returning to India — what happens to my NRI investments?
+When NRI status changes to resident Indian, NRE accounts are redesignated to resident accounts and NRO accounts continue as regular savings accounts. GIFT City investments can typically continue as-is since they sit in the IFSC jurisdiction. Mutual fund folios need a KYC status update. Tax treatment changes from the date residency status changes. The transition involves multiple steps across banks, AMCs, and depositories — Accrue walks returning families through the process.
Mutual fund investments are subject to market risks, read all scheme related documents carefully. The above describes general characteristics, not a guarantee of outcomes. Tax treatment is subject to change.
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Registered Mutual Fund Distributor · ARN-162637