Rooted Bharatरूटेड भारत

NRI investments, simplified.

Say where you live and the board shows what you can invest in from there, the account each one needs, and the catch. Then ask Rohit anything, in plain language.

Ask Rohit a questionReplies in Indian working hours, usually the same day

Or read first: plain-language guides on NRE and NRO accounts, tax, repatriation and insurance.

From you can invest in

ProductAccount it needsStarts fromWorth knowing
Mutual fundsNRE or NROVaries by fundOpen to NRIs and OCIs in the UAE; a fund house sets its own onboarding terms. KYC is done once, from abroad.
PMSNRE or NRO₹50 lakhA higher minimum and higher risk. Meant for long-term money.
AIFNRE or NRO₹1 croreClose-ended, with a minimum tenure of three years for Category I and II. Categories I, II and III differ a lot.
GIFT City fundsForeign-currency accountFund minimumHeld in dollars, not rupees. Regulated by IFSCA.
Health cover for parentsPay from NRE or NROBy age and coverFor parents living in India. Premium depends on their age and the sum insured.

Mutual fund investments are subject to market risks, read all scheme related documents carefully.

Five of eight products; term, life and motor cover are on the full plate.See everything for your country

Guides for money in India, written for someone abroad

NRE, NRO or FCNR: which account for what?Accounts · All countries
An NRE account for money you earn abroad, an NRO account for money that arises in India, and an FCNR(B) deposit to stay in your foreign currency — which to use, and the tax on each.
Last checked 23 Oct 2026
How do I invest in mutual funds from the Gulf as an NRI?Investing · Gulf
You invest in the same Indian mutual funds as a resident, through an NRE or NRO account, with one-time NRI KYC and a FATCA/CRS declaration — and which account funds the investment decides how freely the proceeds come back out.
Last checked 23 Oct 2026
Taking money out of an NRO account: the USD 1 million rule, step by stepTax & repatriation · All countries
Money that arises in India reaches you through your NRO account. How much you can send abroad each financial year, the tax to settle first, and the bank forms (Form 145 and 146, once called 15CA and 15CB).
Last checked 23 Oct 2026

All guides, by topic

Rohit Agarwal

The person you'll actually talk to

Rohit Agarwal explains NRI money questions on camera and answers them on WhatsApp. He is the face of Rooted Bharat and part of a family distribution practice in the business since 2001.

About RohitAbout Rooted Bharat

  • MBA, MDI Gurgaon
  • Passed Level II of the CFA Program
  • Formerly a chemical engineer at Reliance Industries, then in mergers and acquisitions at KPMG and Deloitte

Ask Rohit

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Thanks for asking. You'll get a reply on WhatsApp, in Indian working hours, usually the same day. If it needs a longer conversation, we'll set up a call with Rohit.

Replies come from +91 92177 10588.

Your question

Investments we arrange

Mutual funds
The same SEBI-regulated schemes residents buy, through your NRE or NRO account. SIP or lump sum.
Minimum: varies by fund
PMS
A portfolio of stocks run for you, in your own demat, by a SEBI-registered manager.
Minimum: ₹50 lakh
AIF
Private equity, debt, real estate or hedge-style funds, pooled, with multi-year lock-ins.
Minimum: ₹1 crore
GIFT City funds
Funds in India's IFSC that take dollars from your foreign bank and never touch the rupee.
Minimum: set by each fund

Investments, compared

Insurance, explained

Health cover for parents
Hospital cover for your parents in India, paid by you from abroad.
Premium set by age and cover
Term insurance
Pure life cover in rupees, for the people who depend on you.
Premium set by age, cover and term
Life insurance with savings
Endowment, money-back and unit-linked plans, with their lock-ins and charges spelt out.
Premium set by plan
Motor and general
Cover for the car, bike or home you own in India.
Premium set by vehicle or property

Insurance, compared

Rooted Bharat is a brand of Bullsline Holding Private Limited · AMFI-registered Mutual Fund Distributor · ARN-270728

Mutual fund investments are subject to market risks, read all scheme related documents carefully.