8,500+
Products available
Own companies beyond India's borders.
Invest in 8,500+ US stocks and ETFs — fractional shares from just $1. Access through a SEC-regulated, FINRA-governed broker. SIPC protection applies.
Apple
Netflix
Tesla
Starbucks
Amazon
Pepsi
Alphabet
McDonald's
Meta
NVIDIA
Microsoft
Visa
Partner broker: SEC & FINRA regulated since 2013
SIPC protection applies (subject to limits)
500,000+ investors globally on the partner platform
The opportunity
Why invest beyond India.
Own global leaders
Apple, NVIDIA, Google, Tesla, Amazon — among the world's largest and most widely held companies.
Access emerging sectors
Semiconductors, EV, cloud infrastructure, biotech, clean energy — sectors at the centre of current global growth themes.
Complement your Indian portfolio
Add global depth alongside your Indian investments. Access the world's largest capital market as a natural extension of a diversified investment approach.
Suitability
Who this may suit.
Wealth-building families
HNI families, CXOs, and founders who want US exposure alongside their Indian investments.
Global-sector access
Investors looking for exposure to semiconductors, AI, EV, cloud, and biotech — sectors at the centre of current global growth themes.
NRIs and global Indians
NRIs who want a structured route to invest in US markets with documentation and reporting support from an Indian wealth services firm.
Transparent pricing
Clear charges, stated upfront.
Free plan
Global Plan
Popular
Premium plan
Global Plus Plan
Other charges
- Tax certification$5 (one-time)
- Withdrawal to Indian bank$10 per withdrawal (charged by US bank)
- Currency conversion (INR → USD)Charged by your bank — Borderless charges nothing
- Incoming wiresFree
Charges may vary. Final charges including FX spread and any applicable fees should be verified on the partner platform before transacting.
Important for larger US portfolios
US-situated assets held by non-US persons may attract US estate tax above a $60,000 threshold, at rates up to 40%. India does not have an estate tax treaty with the United States. If direct US holdings are significant or growing, consult a qualified cross-border tax or estate professional before proceeding.
Getting started
Three steps to your first US investment.
01
Open your account
Digital KYC with Aadhaar (Indian residents) or passport (NRIs). Takes under 15 minutes. Upload formats: JPG, PNG, GIF — under 10 MB.
02
Add funds
Indian residents: remit under RBI's LRS (up to $250,000 per financial year). ICICI, Kotak, and HDFC Bank support online LRS; others use Form A2. NRIs: fund via wire transfer from any international bank — no LRS cap applies. Accrue assists with the paperwork.
03
Start investing
On the partner platform, buy fractional shares starting from $1. Choose from 8,500+ US stocks and ETFs. Orders execute at live US market prices.
Talk to us
Want to understand the process?
Share a few details. Accrue will walk through costs, compliance checkpoints, and next steps — no obligation.
How it works
Who does what.
Accrue coordinates your access. We do not execute trades, hold assets, or provide custody.
Accrue
Education, process coordination, documentation support, LRS and reporting guidance.
Partner platform
Account opening, KYC, trade execution, custody of securities, account statements.
Your bank
LRS remittance, Form A2, INR-to-USD conversion, TCS collection where applicable.
Your CA
Tax filing, Schedule FA disclosure, foreign asset reporting, FEMA compliance.
Security & regulation
How custody and protection work.
SEC-registered broker
DriveWealth has been registered with and regulated by the Securities and Exchange Commission (SEC) since 2013.
FINRA-governed
DriveWealth is registered with and governed by the Financial Industry Regulatory Authority (FINRA) since 2013. DriveWealth is both the executing broker and custodian.
SIPC protection
SIPC protection applies subject to official SIPC rules and limits. SIPC does not protect against market losses. Verify protection details from the partner's official disclosures.
NRI investors
Global investing for NRIs.
Different documents, different funding flow, same platform access.
- ▶ Wire transfer from any international bank — no $250,000 LRS cap
- ▶ Passport-based KYC (also accepts resident permit, national ID, or driver's licence)
- ▶ Address proof: bank statement, utility bill, or driver's licence
- ▶ Same SIPC protection, same compliance support
Documents needed
- Any one of: resident permit, national ID, passport, or driver's licence (front and back)
- Address proof: bank statement, utility bill, or driver's licence
- Upload formats: JPG, PNG, or GIF — under 10 MB
Before you invest
Risks to understand.
US stock investing carries risks that are different from domestic investing. Consider these before you begin.
Market risk
US stock prices can fall significantly. Past performance does not indicate future returns.
Currency risk
Returns are affected by USD-INR exchange rates. A strengthening rupee reduces dollar-denominated returns.
Concentration risk
Holding individual stocks concentrates risk. Diversified exposure through ETFs carries lower single-stock risk; suitability depends on individual circumstances.
Tax & reporting risk
Foreign holdings require Schedule FA disclosure, capital gains reporting, and dividend tax handling. Non-compliance attracts penalties.
Estate-tax risk
Non-US persons with US securities above $60,000 may face US estate tax at rates up to 40%. India has no estate tax treaty with the US.
Platform & regulatory risk
Account, custody, and execution are handled by the partner platform and US broker. Regulatory changes in India or the US may affect access.
What you should know
LRS, tax, and compliance — simplified.
LRS limit
Indian residents can invest up to $250,000 per financial year (April–March) under RBI's Liberalised Remittance Scheme.
TCS on remittances
No TCS for remittances up to ₹10 lakh in a financial year. TCS applies above this threshold and is claimable as credit when filing ITR.
Capital gains tax
Long-term (held over 24 months): 12.5%. Short-term (under 24 months): taxed as per your income tax slab. Consult your CA for applicability to your specific case.
Dividend tax
25% US withholding tax on dividends. Claimable as foreign tax credit against Indian tax liability. Consult your CA on how to claim this credit in your ITR.
Foreign asset reporting
All foreign securities must be disclosed in Schedule FA of your Income Tax Return. Mandatory annual disclosure under FEMA. Non-disclosure attracts penalties.
US estate tax
Non-US persons holding US securities above $60,000 may face US estate tax at rates up to 40%. India does not have an estate tax treaty with the US. This is a material consideration for larger holdings — consult your CA or cross-border tax professional.
Funding process
From India: LRS via bank (ICICI, Kotak, HDFC online; others via Form A2 + beneficiary details). From abroad: direct wire transfer, no $250K limit.
Important
Tax rules are subject to change. The information above reflects the position as understood at the time of publishing. Always consult a qualified chartered accountant or CPA before making investment or tax-related decisions.
Common questions
Frequently asked questions.
How do I open a US investing account?
+Sign up at accrue.stockal.com/signup. Complete digital KYC with Aadhaar (Indian residents) or passport (NRIs). Upload documents in JPG, PNG, or GIF format, under 10 MB. Account setup takes under 15 minutes.
What documents do I need?
+Indian residents: Aadhaar card (front and back). NRIs: any one of resident permit, national ID, passport, or driver's licence (front and back) plus address proof (bank statement, utility bill, or driver's licence).
How do I add funds to my account?
+Remit money from your Indian bank under RBI's LRS scheme. ICICI, Kotak Mahindra Bank, and HDFC Bank support online LRS remittance via net banking. Other banks may require an offline Form A2 process with beneficiary details. Clients receive beneficiary details via email after account opening with subject line “Your new U.S. investing beneficiary details” — check inbox and spam folder.
What are the charges?
+Global plan: free, 0.25% per trade. Global Plus plan: ₹9,999/year, 0.15% per trade. Other: $5 one-time tax certification, $10 per withdrawal (charged by US bank). No charges for incoming wires. Currency conversion fees are charged by your bank, not by the platform.
Is investing in US stocks legal for Indian residents?
+Yes. Indian residents can invest under RBI's Liberalised Remittance Scheme (LRS) with an annual limit of $250,000 per financial year. The executing broker DriveWealth is SEC and FINRA regulated.
How is my money protected?
+The executing broker DriveWealth is registered with SIPC. SIPC protection applies subject to official SIPC rules and limits, and does not protect against market losses. Refer to partner disclosures for details.
Can NRIs invest?
+Yes. NRIs can invest using passport-based KYC and fund their account via wire transfer from any international bank. Wire transfers are not subject to the $250,000 LRS limit.
How are profits taxed?
+Long-term capital gains (held over 24 months): 12.5%. Short-term gains: per your income tax slab. Dividends face 25% US withholding tax, claimable as foreign tax credit in India. Foreign assets must be disclosed in Schedule FA of your ITR. Additionally, non-US persons with US securities above $60,000 may face US estate tax at rates up to 40%. Consult a qualified CA or CPA for guidance specific to your situation.
What help does Accrue provide with compliance?
+Accrue assists with LRS process and Form A2 paperwork, helps families understand TCS on remittances, supports Schedule FA and foreign asset reporting obligations, and support you with tax documentation for your US investments. This is a service — not investment or tax advice.
How do withdrawals work?
+Sell your holdings on the partner platform. After settlement (typically T+1 in US markets), request a withdrawal. Funds are converted from USD to INR and transferred to your linked Indian bank account. Withdrawal charges ($10 per withdrawal, charged by the US bank), FX conversion charges (charged by your bank), and settlement timelines may apply. Confirm current withdrawal process and charges on the partner platform.
What happens to dividends?
+Dividends from US stocks are paid proportionately, including on fractional holdings. After 25% US withholding tax, dividends can be reinvested or withdrawn to your Indian bank account. The US tax deducted can be claimed as foreign tax credit in India.
Investments in securities are subject to market risks. The above describes general characteristics of investing in US-listed securities through a partner platform, not a guarantee of outcomes. Tax treatment is subject to change. Where mutual funds are discussed: mutual fund investments are subject to market risks, read all scheme related documents carefully.
US stock and ETF investing is offered through Stockal (operated by Globalise Technologies Inc.), with DriveWealth LLC as the executing broker and custodian. Account opening, KYC, custody, execution, and regulatory compliance for US brokerage accounts are the responsibility of Stockal and DriveWealth — not Accrue. Accrue assists with the process, documentation, and ongoing service support only. DriveWealth LLC is a member of FINRA and SIPC.
Get started
Ready to explore US investing access?
Understand the process, costs, and reporting before you begin.
$3B+
Transactions processed
500K+
Registered investors
230+
Partners across 8 countries
Partner platform figures, as published by the platform.