Article / GuideIPO

NRI Trading in India – Eligibility, Process, Rules, Restrictions

Last updated August 22, 2026

This IPO News guide/article covers “NRI Trading in India – Eligibility, Process, Rules, Restrictions”. The page is organized around non-resident indian (nri), can nri invest in india?, types of nri trading accounts, nri 2-in-1 vs nri 3-in-1 account, best brokers for nri trading. IPO News presents the structured facts and tables in its own layout and wording.

Topics Covered

Non-Resident Indian (NRI)
Can NRI invest in India?
Types of NRI Trading Accounts
NRI 2-in-1 Vs NRI 3-in-1 Account
Best Brokers for NRI Trading
NRI Trading and Investment Products
NRI Trading Process Explained
1. Open NRI Trading Account
2. Transfer Funds
3. Place buy or sell order
NRI Trading Rules and Regulations
NRI Trading Restrictions
Zerodha Trade@20
Frequently Asked Questions
1. What are the differences between NRE Account and NRO Account?−
Similarities and Differences between NRE and NRO Account
2. What are the regulations for NRI Trading in India?+
3. What is Portfolio Investment Scheme-PIS?+
4. What is PIS Bank Account?+
5. What are the segments a NRE Trading Account holder can trade in?+
6. What are the segments a NRO Trading Account holder can trade in?+
7. How is tax calculated on NRO Account based Trading?+
8. What is the status of NRO/NRE accounts on the return of the account holder to India?+
9. I am currently in UAE-how can I open NRI trading account in India?+
10. Who will compute and apply TDS for short term capital gain in case of a NRI trading?+
11. Which banks in India provide PIS account?+
12. Why is the brokerage charges high for NRIs with Discount Brokers?+
Compare Stock Brokers Side-by-Side

Key Facts

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As per the Income Tax and Foreign Exchange Management Act (FEMA) guidelines, an Indian citizen who resides overseas or abroad for at least 183 days or more in a financial year, is known as a non-resident Indian or NRI.
As an NRI, you may be asking yourself whether you are allowed to invest in companies listed on the BSE and NSE or not. The answer is clearly “yes."
As per SEBI regulations, NRIs are allowed to invest in equities, mutual funds, government securities, treasury bills and IPOs and also trade in equity futures and options.
Over the past few decades, India has emerged as one of the fastest-growing economies in the world with an average annual GDP of 6.5-7%.
Full-service brokers like ICICI Direct and HDFC Securities provide 3-in-1 account opening facility to NRIs.
Equity: Invest in companies (delivery trading) listed on NSE and BSE
NRIs cannot have more than 10% investment in shares of an Indian company. This means, the maximum NRI investment in Indian equities is restricted to 10% of company’s total paid-up capital.
Want to start your investment journey? Join India's Pioneer Discount Broker – ZERODHA – Free Delivery Trade, Maximum Rs 20 for F&O and Intraday, Free Direct Mutual Fund investment.
Stock holding of an NRI can't exceed 10% in any Indian listed company subject to overall limit for listed equity shares of each company on repatriation benefit basis. Here is the list and limit on stock holding by NRI.

Data Tables

	NRE Saving Account	NRO Saving Account
Account Type	NRE account can be a Saving Account or Current Account	NRO Account can be a Saving or Current Account
Average Monthly Balance in Account	Rs 10,000	Rs 10,000
Repatriation	Principal and Interest earn is fully repatriable	Restricted or partially repatriable (upto $ 1 million in a financial year)
Taxation	NRE Account is tax free	Interest earn and credit balance has tax liability
Earnings in India	Any type of earning in India cannot be deposited in NRE Account	Earnings in India can be deposited in NRO Account
Joint Account	NRE Account can only be jointly open with NRE only	Can be open jointly with NRI or close relative in India

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