Which Is Better ? Investing In Dollars v/s INRFind Answer Here

Summary

In this episode of 'NRI Money Clinic', Dr. Chandra Khan addresses the dilemma faced by Non-Resident Indians (NRIs) on whether to invest their dollar earnings back home in INR or in the developed world. He explores historical trends, current economic factors like inflation, current account deficit, and FDI flows, to provide insights on currency exchange rates and investment decisions. Khan also discusses investment motives, including speculation, interest rate differences, and need-based factors, and outlines various investment routes available to NRIs in India.

Takeaways

• 😀 NRI Money Clinic aims to help non-resident Indians (NRIs) decide whether to invest in dollars or Indian rupees.
• 💵 The strength and international acceptance of the US dollar make it an attractive currency for investment.
• 🌍 The US economy's significant role in global market capitalization justifies the preference for holding dollars.
• 🏠 NRIs may invest in India due to personal ties, potential for higher returns, and higher interest rates on rupee deposits.
• 📉 Historically, the Indian rupee has depreciated against the dollar, but this is not a constant daily occurrence.
• 🔄 Currency exchange rates are dynamic and can fluctuate, affecting the value of investments in different currencies.
• 📈 The Indian rupee has periods of appreciation against the dollar, contrary to the common perception of constant depreciation.
• 💼 Factors influencing rupee depreciation include inflation differential, current account deficit, and defense procurements.
• 💹 The flow of dollars into and out of India can impact the rupee's value, with recent trends showing increased FDI and remittances favoring the rupee.
• 🏦 Interest rate differentials between FCNR and INR deposits have narrowed, reducing the advantage of one over the other.
• 🏢 NRIs have various investment options in India, including FDs, bonds, mutual funds, PMS, and insurance plans, with some requiring large minimum investments.

Q & A

What is the main dilemma faced by Non-Resident Indians (NRIs) when managing their earnings in dollars?

The main dilemma faced by NRIs is deciding whether to invest their earnings in dollars in the developed world or to invest the money back home in Indian Rupees (INR).

Why do people have an affinity for holding dollars?

People have an affinity for holding dollars due to its strength as an international currency, its acceptance worldwide, and the fact that the US economy constitutes about one-third of the world's market capitalization.

What are the historical trends of the Indian Rupee's value against the dollar?

Historically, the Indian Rupee has depreciated against the dollar over decades. For example, in 1979, 1 US dollar was equivalent to about 12-15 Indian Rupees, whereas today it is around 83 Indian Rupees.

Why might the Indian Rupee appreciate or depreciate against the dollar?

The Indian Rupee can appreciate or depreciate against the dollar due to factors such as inflation differentials between the US and India, current account deficit, defense-related procurements, and the flow of dollars into or out of the country.

What are the three primary reasons for the Indian Rupee's depreciation against the dollar?

The three primary reasons for the Indian Rupee's depreciation against the dollar are inflation differences between the US and India, current account deficit, and defense-related procurements.

How has the Indian government been addressing the issue of current account deficit?

The Indian government has been focusing on renewable energy and energy efficiency to reduce dependence on oil imports, which are a significant factor in the current account deficit. They have also introduced sovereign gold funds to reduce gold imports and the spending of dollars.

What is the impact of FDI on the Indian Rupee's value?

Foreign Direct Investment (FDI) in India is currently very high, which is favorable for the Indian Rupee as it represents a steady inflow of dollars into the country, potentially leading to the appreciation of the currency.

What are the three major reasons people invest in either rupees or dollars?

People invest in either rupees or dollars for speculative reasons, the potential for higher returns through interest or growth in a particular country, and need-based reasons such as having a specific financial commitment in a particular currency.

How has the differential between FCNR interest rates and INR interest rates changed recently?

The differential between FCNR interest rates and INR interest rates has become extremely narrow recently, with both rates being almost similar due to the inflation differential between the US and India narrowing down.

What are the different ways NRIs can invest in India without bringing their money into the country?

NRIs can invest in India without bringing their money into the country through Foreign Portfolio Investment Route (FPI), which may come via Mauritius or Bermuda, or through Gift City in Gujarat. They can also invest in ETFs and mutual funds dedicated to India from their own country.

Outlines

00:00

📈 Understanding the Dilemma of NRIs: Investing in Dollars vs. INR

In this episode, Dr. Chandra Khan explores the perennial dilemma faced by NRIs: whether to invest their earnings in dollars within developed markets or in Indian national rupees (INR). The episode aims to provide clarity and guidance on making this crucial financial decision. The importance of understanding the strength of the dollar, the benefits of investing in India, and the fluctuating currency exchange rates are discussed.

05:02

💵 The Allure and Strength of the Dollar

NRIs often prefer holding onto dollars due to its strength and global acceptance. The US economy's robustness and the international trade dominance of the dollar justify this preference. However, the decision to invest in India is driven by personal ties, potential retirement plans, and higher interest rates on INR deposits. The fluctuating exchange rate, which can either depreciate or appreciate, plays a significant role in these investment decisions.

10:03

📉 Historical Perspective on Rupee Depreciation

Over the decades, the Indian rupee has depreciated against the dollar, a trend influenced by higher inflation rates in India compared to the US. Dr. Khan explains that despite periods of rupee appreciation, the general trend has been downward. He emphasizes the importance of understanding this dynamic when making investment decisions, noting that factors like inflation differentials and current account deficits contribute to this trend.

15:06

📊 Inflation and Its Impact on Currency Value

Inflation rates between countries significantly affect currency values. Historically, India's higher inflation compared to the US has led to rupee depreciation. However, current inflation rates in India and the US are similar, potentially stabilizing the rupee. The discussion includes the implications of current account deficits and how government actions to reduce dependence on oil imports and boost renewable energy can influence the rupee's value.

20:08

🛡️ Reducing India's Dependence on Imports

India's efforts to reduce its current account deficit involve focusing on renewable energy and reducing gold and defense imports. Government initiatives to produce defense equipment domestically and promote sovereign gold bonds aim to decrease the outflow of dollars, which can stabilize or appreciate the rupee. Dr. Khan highlights the importance of these measures in strengthening India's economy and currency.

🌍 The Impact of Foreign Direct Investment

Foreign direct investment (FDI) plays a crucial role in the flow of dollars into India. The increasing FDI in India, which is now higher than in many other countries, positively impacts the rupee. Dr. Khan explains that FDI is a 'sticky' investment, meaning it stays in the country long-term, contributing to economic growth and currency stability. He also mentions the significant remittances from NRIs, further strengthening the rupee.

📉 Speculative Investments and Interest Rate Differences

Investors consider speculative needs, interest rate differences, and specific financial goals when deciding whether to invest in dollars or INR. While the Indian stock market has historically offered better returns than the US market, short-term movements can be unpredictable. The narrowing interest rate differential between FCNR (foreign currency non-resident) deposits and INR FDs makes it essential to consider potential rupee depreciation when making investment decisions.

💰 Balancing Currency Exposure Based on Needs

NRIs often maintain currency exposure based on personal financial needs, such as repaying loans in dollars or saving for children's education abroad. Tax benefits in countries like the US, Australia, and Singapore also influence investment decisions. Dr. Khan advises on the importance of aligning investments with financial goals and the benefits of seeking professional guidance to create a balanced investment portfolio.

🇮🇳 How to Invest in India: Options for NRIs

NRIs have multiple options to invest in India, including direct investments in FDs, bonds, mutual funds, PMS, and unit-linked insurance plans. For those who prefer not to bring money into India, options like the FPI route and investments via GIFT City in Gujarat are available, albeit with higher investment thresholds. Dr. Khan explains these options and encourages viewers to seek professional advice to optimize their investment strategies.

📢 Final Thoughts and Encouragement to Seek Professional Advice

Dr. Khan wraps up the episode by reiterating the importance of understanding the factors influencing investment decisions between dollars and INR. He encourages viewers to seek professional financial advice to build a robust investment portfolio tailored to their needs. The episode ends with a call to action for viewers to like, subscribe, and share the video to help others gain clarity on this topic.

Keywords

💡NRI

NRI stands for Non-Resident Indian, referring to Indian citizens living outside of India. In the video, NRI is central to the theme as the script discusses financial decisions and investment dilemmas faced by this demographic. The script mentions NRI's earning in dollars and the choices they have regarding investing in either dollars or Indian Rupees.

💡Currency Exchange Rate

Currency exchange rate is the value of a country's currency in relation to another currency. It is a key concept in the script as it discusses the dynamic nature of the exchange rate between the US Dollar and the Indian Rupee, which influences NRI's investment decisions. The script provides historical context, noting how the Indian Rupee has depreciated against the dollar over time.

💡Depreciation

Depreciation, in an economic context, refers to the decrease in the value of a currency over time. The script discusses the historical depreciation of the Indian Rupee against the US Dollar, which has led to concerns among NRI's about retaining the value of their earnings.

💡Inflation

Inflation is the rate at which the general level of prices for goods and services is rising, and subsequently, the purchasing power of currency is falling. The script explains that inflation differentials between the US and India can impact the depreciation of the Indian Rupee against the Dollar, with higher inflation typically leading to a weaker currency.

💡Current Account Deficit

A current account deficit occurs when a country's imports of goods, services, and transfers are greater than its exports. The script mentions this as one of the factors contributing to the depreciation of the Indian Rupee, as it indicates a higher demand for foreign currency to pay for these imports.

💡FDI

FDI stands for Foreign Direct Investment, which is an investment made by a firm or individual in one country into business interests located in another country. The script highlights the high levels of FDI in India as a positive factor for the Indian Rupee, indicating increased foreign investment and confidence in the Indian economy.

💡Interest Rate Differential

Interest rate differential refers to the difference in interest rates between two financial instruments or two countries. The script discusses how the difference in interest rates between Indian Rupee Fixed Deposits (FDs) and Foreign Currency Non-Resident (FCNR) accounts can influence NRI's investment choices.

💡Speculative Need

Speculative need refers to the investment decisions based on predictions or expectations about future market movements. In the script, it is mentioned as one of the reasons why NRI's might choose to invest in either dollars or Indian Rupees, based on their speculation about which currency will appreciate or depreciate.

💡Portfolio

A portfolio is a collection of financial assets such as stocks, bonds, commodities, or cash equivalents that are held by an investor. The script suggests that NRI's can invest in various financial instruments to build a portfolio, which can help them achieve their financial goals and retirement corpus.

💡Tax Benefit

Tax benefit refers to a reduction in the amount of tax that an individual or corporation must pay. The script mentions tax benefits as a reason why some NRI's might choose to invest in certain currencies or accounts, such as 401(k)s in the US, which offer tax advantages.

💡FPI Route

FPI stands for Foreign Portfolio Investment, which is a route through which foreign investors can invest in a country's capital markets. The script suggests that NRI's can explore the FPI route to invest in India without bringing their money into the country, although it mentions a significant investment threshold for this route.

Highlights

The dilemma of NRI investors on whether to invest in dollars or Indian rupees is a perennial problem.

Dollars are preferred for their strength and international acceptance, with the US economy contributing to one-third of the world's market capitalization.

Investing in India is driven by the potential for higher returns and the familiarity of the home market.

Currency exchange rates are dynamic, with the Indian rupee historically depreciating against the dollar over decades.

The Indian rupee's depreciation is not consistent, with periods of stability and appreciation observed.

Three primary reasons for the rupee's depreciation against the dollar include inflation differential, current account deficit, and defense-related procurements.

Inflation in India and the US is currently similar, which may contribute to the rupee's stability against the dollar.

India's current account deficit is narrowing, which could positively impact the rupee's value.

Increased FDI and NRI remittances are favorable for the rupee, indicating potential for appreciation.

Investment motives include speculation, interest rate differences, and need-based considerations.

The differential between FCNR and INR interest rates has narrowed, affecting investment decisions.

Need-based investments are crucial for managing liabilities and future commitments in specific currencies.

Tax benefits from investing in certain accounts like 401(k)s or super funds can influence currency investment choices.

Investing in India can be done directly through various financial instruments or indirectly through ETFs and mutual funds dedicated to India.

FPI and GIFT City routes offer investment opportunities in India, though they have higher investment thresholds.

The video aims to provide clarity on currency investment decisions for NRI individuals.

Transcripts

dear viewers welcome to yet another

episode of your life your money for nris

who earn in dollars there's always a

dilemma which is going on in the mind

what shall I do with these dollars

should I invest in the developed world

in the form of dollars or should I

invest this money back home in the INR

this dilemma is a perennial problem

which is there in the minds of nris in

this episode I'm going to find an answer

for this problem and help you to decide

should you be investing in dollars or

should you be investing in Indian

national rupees this is NRI money clinic

for you and I Dr Chandra Khan but your

financial guide for a happy

[Music]

living NRI money Clinic new hype just

the right

advice nris earned in dollars are the

currencies of the developed World their

love affair for holding on to the

dollars is eternal obviously they are

making this Deion because of the

strength of the dollar because of its

position dollar is an international

currency the B trade happens around that

us is a very strong economy literally

onethird of the world's market

capitalization comes from the US market

so they are Justified to hold on to the

dollars dollars are acceptable in any

part of the world you have few dollars

you can travel to any part of the world

it can be freely exchange you don't need

anyone's permission these are the

reasons why people have an affinity for

dollars why people invest in India they

invest in India because you are an

Indian you might come back to India and

retire here you are also knowing very

sure that the rupe deposits give you a

higher rate of interest the growth story

of India gives you a much better return

in India this is the reason why you

invest in Indian rupees but the problem

is the currency exchange rate currency

exchange rate between two currencies is

not static it's always Dynamic one

currency moves up another comes down it

continuously happens it's just like a

stock market movement currency is going

up currency is coming down historically

if you look at it the Indian rupee has

constantly depreciated over decades

against the dollar when I was studying

I'm talking about 1979 period the rupe

to Dollar was somewhere at about 12

rupees or 15 rupees and where is it

today it's at about 83 rupees what was

10 12 rupees during my college days has

come down to 83 rupees right now so the

argument people make is if I hold on to

the dollar I will retain the value of

the money but if I keep money in the

Indian rupees the value against the

dollar comes down the answer is right

but it does not tell you the full story

the full story is that the rupe

depreciation against the dollar does not

happen on a daily basis at times the

markets remain static it will not move

at all at times the markets will come

down crashing down when I say Market it

is a currency Market the rupe May crash

down and there are periods where the

rupe has appreciated many people do not

know the fact that rupe can also

appreciate against the dollar we have

seen from 45 to 68 rupee crashing down

that's a pain Point everybody remembers

that we have also seen rupee crashing

from 75 to 82 that's a pain Point

everybody remembers but what people do

not know is rupee has also appreciated

at one point of time between I would say

2003 to 2008 where it appreciated all

the way from 45 rupes per dollar to a

level of about 37 or 38 you can pick up

such points all along that journey of 30

40 years you can find periods where rupe

has remained static rupe has appreciated

take the recent example 2018 to

literally about 2021 or so the rupee has

held against the dollar at about 75

that's about 3 to 4 years of neither

appreciation nor depreciation and rupe

held against the dollar very firm later

on because of the the reasons of Market

movements rupe has slided to about 82 83

and it is holding on there you can't

keep the two currencies at static Point

these are not the pegged currencies like

in case of Middle East currencies which

are pegged against the dollar so they

have a constant exchange rate so the

currencies will move up and down so this

fear of rupee depreciating creates Panic

creates doubts in the minds of nris what

shall I do if I had waited for some more

time probably I would have got more

rupees for every dollar that I had let's

try to find an answer why rupe

depreciates against the dollar I told

you about last close to about 4550 years

history and it has been a constant

downslide over longer periods of time

there are three primary reasons why rupe

depreciates against the dollar number

one is inflation between US versus India

the country which has higher inflation

the rupe or the currency depreciates

against the dollar let's say us had

inflation of 2% and India had an

inflation of 6 to 8% there is a

differential of 4 to 6% this makes the

cost of goods and services become

expensive to adjust for that the rupee

gets depreciated so the simple thing to

remember is the country which has higher

inflation the currency of that country

depreciates against the currency of

another country here the case is the US

which has lesser inflation what is

currently happening historically Indian

inflation was higher US inflation was

lower but today if you see the Indian

inflation and the US inflation is almost

similar and many of times the Indian

inflation is lower than the US inflation

so this point makes your rupe to remain

robust and can hold against the dollar

because there is no differential which

exists going forward for any reason if

inflation were to rise in India and the

inflation in US comes down we are back

to square one then there is a good

chance that the rupe will depreciate

further but the evidence what we see on

the ground today Indian inflation will

remain lower RBI says my target for

inflation today is at about 4% the US

has an inflation of 4 5% it looks very

sticky it will remain like that for a

few more years looks like maybe slowly

it will come down but nevertheless the

differential of inflation between us and

India is not significant today and

because of this the rupe is unlikely to

fall down against the dollar the second

reason is because of current account

deficit a current account deficit

primarily refers to the trade account

how much of dollars I need to buy the my

import requirement I import certain

things in India I have to spend my

dollars so I need dollars then how much

of dollars I earn I export things to the

rest of the world and our NRI Community

also sends money into India there could

be other borrowings and other things

which will happen so it's a balance

between the dollars we spent and the

dollars we earned historically India had

a negative current account deficit that

means we were spending more dollars and

we are earning less dollar now here also

we see the equation is turning favorable

to India right now it is still a current

account deficit country if the

statistics are to be believed it is

getting bridged it is getting narrowed

down and the governmental action is also

focused on that why does India spend so

much dollar primarily because of its oil

Imports India does not have the required

amount of energy that it needs for the

country so it has to import oil that is

the biggest guzzler of dollars in India

government is focusing on renewable

energy Energy Efficiency and a lot of

activities so that the dependence on

external source of energy over a period

of time slowly comes down the demand for

dollars can also come down because of

that likewise India has also floated the

sovereign gold funds to satiate the

demand of gold for its citizens Indians

have a fancy for gold they spend a lot

of money on gold and because of import

of gold we lose a lot of dollars if

people instead invest in s in Gold bonds

probably the gold import dependence

comes down and the spending of dollar

can also come down the third reason is

because of the defense related

procurements India needs arms and

ammunition and its industry was not

capable enough to produce it at home and

because of which you will heavily depend

on developed world procure your

aircrafts your spares and the latest

arms and ammunition for the security of

the country this government in the last

10 years has worked a lot under this try

to do an atbara on defense equipment

size they have done deals they are

producing it in India technology

transfer they're trying to export a lot

of these things to rest of the world so

what was a deficit for our country is

slowly steadily is turning out to be a

positive for the country yet another

reason for rupe to appreciate or

depreciate against dollar is flow of

dollars into the country or out of the

country for reasons other than the trade

people invest money in India so that is

why the dollars come in people often

sell out of the Indian market that's how

they take out their money so there is a

constant movement of money coming in or

money going out if there is more money

which is coming into the country then

the rupee will appreciate if there is

more money going out of the country then

the will depreciate now if we observe

the data points here now we can

evidently say there is more and more

people are pouring money into India the

FDI in India is highest today than any

other country in the world so we are

receiving a phenomenal amount of FDI

investment FDI refers to foreign direct

investment there is a specific way to

look at it and FDA investment is a

sticky investment which will remain in

India you bring money you invest

somewhere you establish factories you

create manufacturing units or this money

is not something that is not a smart

money where you put money today and

after a few months you take out the

money that's not a smart money here a

genuine investor comes into India pars

money and that is really growing look at

the remittances from nris across the

Globe last year we had more than100

billion worth of NRA remittances which

are coming into India and this figure is

only growing from a flow of dollars in

in and out of the country it is evident

and it's very clear to say that it is

favorable to Rupee so if you look at any

parameter today what was creating a

panic for The Indian rupe in the past is

no more evident at this point of time

and if the same Trend continues I will

not even rule out Indian rupe appreciate

against the dollar however the inflation

differential as thing stands today still

exist between the developed World versus

India and that could be one factor which

might make rupee slide slowly but

steadily that cannot be ruled out so the

worst case scenario as I can see is

rupees sliding down by about 2 to 3% on

an average per year is something which

we can factor in now let us look at why

people invest in INR or dollar what is

the motive behind that there are three

major reasons that people invest in

either rupees or in dollars number one

is the speculative need number two is

probability of making more money by the

way of Interest or by way of growth in

that particular country the third could

be the need based I have a particular

need because of this I park money in

dollars or I park money in the Indian

rupees and let's look at these three

things a little bit more in detail first

let us look at the speculative need the

speculative need is or the speculative

reasons is I expect Indian rupe to slide

further that is why I will not invest in

India so you are speculating thinking

that the rupee will depreciate or the

reverse is also true so if you expect

the dollar to appreciate or dollar to

depreciate INR to appreciate or

depreciate you take a call based on what

you perceive or what you are advised

with So based on the speculation you

calculate where do I make more money

that is how you speculate the other

speculation that you can make is where

will the growth be more and where I can

make more money out of for example you

have an option to invest in the US Stock

Market you have an option to invest in

the Indian stock market where will I

make more money both are the stock

markets both are vibrant markets where

will I make money if history is to be

believed it is people who invested in

the Indian stock market in the last 30

35 years have walked out with more money

than the people who have invested in the

US Stock Market the growth of the US

Stock Market is just not very organic it

has happened because of a lot of

printing of money lot of liquidity which

has been infused into the market very

artificial movement of money that is why

the US markets went up with all that

liquidity infusion the US markets just

made about CAG of 7% in dollar terms but

if you calculate in India you have got a

C of more than 7% in dollar terms during

the same period of time so the higher

growth in India makes you reap much

better benefits but this is in the long

term in the short term anything is is

possible it could be the US market

outperforming or the Indian market

outperforming the US market both are a

possibility in the long term because of

a higher growth in India you expect

Indian markets to do better than the US

market in the short term it is just

unpredictable the second reason why

people invest in India is because of the

interest rate difference you have an

option to bring dollars and hold it as

an fcnr or you can bring dollars convert

it into rupees and convert into an FD in

INR the FD interest rates in INR used to

be way higher than the fcnr rates fcnr

used to give you 1% 2% whereas the FD

rates in India used to be 8% 9% you can

say any figure if you look at a

particular time frame that could be a

possibility but currently the

differential between the fcnr interest

rate and the INR interest rate is

extremely narrow and just a few months

before it was almost similar to that

that is because of the inflation

differential between the two countries

getting narrowed down you don't see a

much big difference for any reason let's

say that Indian rupe has a higher FD

interest rate and the fcnr has a lower

FD interest rate how should you take a

call very simple let's say that fcnr

gives you 4% and the rupe FD gives you

7% now what happens after 1 year so you

made 4% in the fcnr because that offered

you 4% interest rate you made 7% in the

Indian FD rates because the INR gave you

7% 1 year from now if rupees slides by

3% against the dollar so if you convert

your dollars into the Indian rupees you

will get 4% on the dollar the interest

earn you will get 3% from the conversion

of Dollar to Rupee because rupe has

slided so the differential between the

interest rate between these two

countries is not too much something that

you have to depend upon if you have

lesser fcnr FD interest rate but

whenever you convert it into the future

you will get more rupees so even though

it gives an impression that I make more

rupees but obviously that may not be the

truth there could be shortterm movement

there could be slight aberations which

might happen depending on when you

convert things but overall whether you

keep it in an fcnr or whether you keep

it in an irr FD rate your net outcome

will remain the same the third is very

important it is the need based I have a

need that is why I maintain my currency

exposure let's say that there are people

who are living in Gulf there are people

who are in us and I have got a home loan

I've got some personal loan I've got a

vehicle loan I have to pay back this

money in emis in dollar terms or a

currency which is pegged against the

dollar so I'll not take a risk of moving

this money into India I'll hold this in

the form of dollars because I have a

commitment against that likewise people

who have an intention to send the

children to developed countries for

Education they would need dollars so

they'll not take a risk they will hold

it as dollars itself and there are

people who have their children living

outside these are nris who could be

working in Gulf or some other country

and for the retirement they come back to

India but the children are outside they

are concerned about the Legacy transfer

they are worried will India permit them

to move this money outside of India from

a legacy perspective also they might be

holding these Investments outside of

India in the form of dollars the yet

another reason which is a very very

powerful reason for you to invest in

dollars is the tax benefit that you get

let's say if you are living in us if you

have invested in 401 Cas or Ro account

or if you are living in Australia your

super funds you are living in Singapore

you have your cpf funds so you park

these money in these accounts the

governments have given you certain tax

benefits you make best use of that to

save on the taxes the taxes that you

saved is a gain that you have made so if

it gives you the tax benefit it gives

you that extra Advantage you park your

money in those currencies where your

state has given that benefit so now that

I have given you all the reasons

historical perspectives what might

happen in the future the needs and

everything now let us look at if you

decide to invest in India how can you

invest in India by the way we are in the

business of helping people set up their

portfolios build their retirement Corpus

and investment accounts to reach their

life goals if you are somebody who's

looking for an help in India to set up

your portfolios you can make best use of

our services we have team of experts on

the ground who are ever ready to analyze

your life analyze your financial aspects

and help you how much money you have to

keep it in dollars how much money you

have to keep it in India where to invest

how to build portfolios a professional

work can be done by our team of experts

if you have an intention you can reach

out to us through a WhatsApp message on

the number that is given in the

description box below to facilitate we

have also provided a link over there

just click on the link it takes you to

the WhatsApp send us that exploratory

message and our team of experts are ever

ready to help you why delay send that

message now now that you decide to

invest in India how can you invest in

India number one you can directly invest

into India you can invest in the fds you

can buy the bonds which are available

for the nris you can invest in mutual

fund you can invest in PMS you can

invest under unit linked insurance plan

all the things which are available for

nris to invest in the stock markets or

the debt markets you can make best use

of but if you do not want to bring your

money into India but still want to

invest in India one of the option that

you can explore is fbii foreign

portfolio investment route normally it

comes via morous Route or via Bermuda

route probably in a few weeks from now

I'll do a detailed video on how an RIS

can invest in India using the fpi route

yet another way which is taking off

right now is via gift City in Gujarat

that is one another medium where in

which you can invest in Indian market

but one problem with gift City as well

as the FBI routes you have a very large

threshold I am given to understand that

the gift City accepts investment only in

exess of $150,000 us and fbii Route

takes about 100,000 or more size

Investments when you have to invest in

India so unless you have so much of a

money you can't use these FBI route or

the gift City route one another way you

can invest in India without bringing

your money into India is you can choose

the ETFs and the mutual funds which are

dedicated to India and from your own

country you can choose these ETFs as the

mutual fund and you can make best use of

the growth prospects which are there in

India dear viewers hope the video that I

have done today helped you to clarify or

get a Clarity around should you invest

in dollars should you invest in rupees

how much to invest in dollar how much to

invest in rupees if it did give you a

Clarity do not forget to give me a

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watching this episode on NRI money

Clinic I shall be back with you next

Friday with yet another thought on your

life your money till then stay safe J

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