Loans in India, underwritten on your foreign income.
For Non-Resident Indians, seven ways to borrow in India on your overseas income: family support, a remittance-delay bridge, an education loan remitted to a US university, and loans against your FD, FCNR deposit, property or securities. Repay from your NRE/NRO account or by international remittance.
Unsecured range shown. Secured variants (against FD, FCNR, property or securities) go up to ₹5 Cr. See all seven →
Apply for NRI Loan
Three unsecured loans on your overseas income, including an education loan remitted to the USA, and four secured lines against Indian assets you already own: deposits, property, securities. Every figure below is indicative; the exact terms are on your key-fact statement.
Money for parents and family in India, disbursed to their account.
An unsecured personal loan for medical care, education, weddings or household needs back home. Underwritten on your overseas salary or contract income; disbursed to your NRE/NRO account or straight to a family member's Indian bank account.
Bridge a late salary transfer without missing an EMI or a school fee.
Short-tenure credit for when your remittance is held up by payroll cycles, bank holidays or FX transfer lag. Disbursed to your Indian account within a day and repaid in one shot when the remittance lands.
Borrow against NRE / NRO fixed deposits. The deposit keeps earning.
An overdraft or term loan with a lien on your NRE/NRO fixed deposit at a partner bank. Up to 90% of the deposit value, priced at a small spread over the FD rate. So you never have to break the deposit.
Rupee or foreign-currency credit against FCNR(B) deposits.
A lien-backed loan against your FCNR(B) deposit held with a partner bank. In rupees for use in India, or in the deposit's currency where permitted. Up to 90% of the deposit value under RBI norms.
Unlock the value of property you own in India.
A loan against residential or commercial property in India. For business, education, a second property or consolidating dearer debt. Repay from abroad; the property stays in your name throughout.
Liquidity from shares, mutual funds and bonds, without selling.
An overdraft against listed shares, mutual funds and bonds held in your Indian demat or folio. Loan-to-value follows RBI/SEBI norms (typically up to 50% on equity, higher on debt). Interest only on what you draw.
Tuition and living costs remitted straight to a US university.
An education loan for a student heading to the USA. Sanctioned in rupees and remitted directly to the university for tuition, or to the student's US account for living costs, under the RBI's Liberalised Remittance Scheme. Parent or sponsor co-applicant in India or abroad; repayment can begin after the course ends. Also refinances an existing education loan at a better rate. Collateral-free up to ₹7.5 lakh; property or FD lien above that.
30+ countries across the GCC, US, UK, EU, Canada, Australia, Singapore. If your bank statement is in the local language, we accept it with a certified translation.
EMI is fixed in INR. You can auto-remit from your overseas account, or debit an Indian NRE/NRO account. FX is at the remittance rate on that day.
Yes if you own Indian residential property or hold a substantial Indian bank balance. Otherwise a co-applicant improves the sanction odds.
Disbursal lands in your Indian NRE/NRO account. You can then remit it further, or use it for the intended Indian expense.
Yes. The secured NRI variants place a lien on the asset. The FD keeps earning, the property stays in your name, the shares stay in your demat. Loan-to-value follows RBI norms: up to 90% on FD/FCNR, typically 50–70% on property, up to 50% on equity.
A short bridge (7–60 days) for when your salary remittance is late because of payroll cycles, bank holidays or transfer lag. It's disbursed to your Indian account within a day and repaid in one shot when the remittance arrives.
