NRI property purchase checklist for India
An NRI can generally purchase eligible residential and commercial property in India, while agricultural land, plantation property and farmhouses follow different restrictions. Independent title, regulatory and payment-route checks should happen before booking.
Verify before paying the token
Confirm the property category, seller title, approvals, encumbrances, RERA details and permitted bank route before signing or transferring money.
Key points
- Independent title review — Use a lawyer who is not dependent on the broker or developer.
- Payment trail — Pay through permitted banking channels and keep every remittance record.
- Remote execution — Review power-of-attorney scope, registration and local management.
Due diligence before booking
Check title chain, encumbrances, sanctioned plan, completion or occupancy documents, property tax, society dues and litigation. For projects, verify the correct RERA registration and disclosed timeline.
Agricultural, plantation and farmhouse rules are different; do not rely on a marketing description.
Budget beyond price
Stamp duty, registration and legal fees.
TDS or tax compliance for the purchase.
Maintenance, insurance, vacancy and property-management costs.
Frequently asked questions
Can an NRI buy agricultural land in India?
Purchase restrictions generally apply to agricultural land, plantation property and farmhouses. Inheritance and other routes require specific review.
Can payment come from an overseas account?
Permitted inward remittance and NRE, FCNR(B) or NRO routes may be used subject to applicable rules.
Should an NRI use a power of attorney?
It can help with remote execution, but the authority should be narrow, documented and legally reviewed.