The NRI Property Buying Checklist for India (2026)
Buying property in India from abroad is entirely doable — but the distance turns small mistakes into expensive ones. This checklist walks you through every step, from what you're allowed to buy under FEMA to the documents that actually protect you at registration.
Can NRIs buy property in India?
Yes. Under FEMA, an NRI or OCI can freely buy residential and commercial property in India. The one restriction: you cannot buy agricultural land, plantation property, or a farmhouse (you may only inherit or be gifted these).
You do not need RBI permission for a normal residential or commercial purchase — the general permission under FEMA already covers it.
The 8-point due-diligence checklist
- Title check — confirm a clear, marketable title with a 30-year search.
- RERA registration — verify the project/agent on your state's RERA portal.
- Encumbrance certificate — confirm there are no loans or charges on the property.
- Approved plan & OC/CC — occupancy and completion certificates for ready homes.
- Developer track record — delivery history, litigation, financial health.
- Price benchmarking — compare against genuine recent transactions, not asking prices.
- Society / maintenance dues — no pending dues on resale flats.
- Power of Attorney — if you can't fly down, set up a registered, specific PoA.
Documents you'll need
| Document | Why it matters |
|---|---|
| Passport & OCI/PIO card | Identity + NRI status proof |
| PAN card | Mandatory for registration & TDS |
| NRE/NRO account | Funds must route through proper banking channels |
| Address proof (overseas) | KYC for the bank and registrar |
Moving the money
Pay through your NRE or NRO account, or via normal banking channels — never cash. Keep every remittance record; you'll need it later for repatriation when you sell. For more, read our guide on NRE vs NRO accounts for property.
Where a buyer-side advisor helps
Most of the risks above are invisible from 7,000 km away. A buyer-side advisor verifies the title, checks RERA, benchmarks the price, and represents you — not the builder. Every PropXplor home comes with an architect-verified PropScore report covering 80+ data points, so you decide with facts, not pressure.
FAQ
Do NRIs pay higher stamp duty? No — stamp duty is the same as for residents; it varies by state.
Can I buy without visiting India? Yes, via a registered Power of Attorney to someone you trust.
Is a PAN card mandatory? Yes, for registration and to claim TDS credit.
Thinking of buying from abroad? Book a free consultation and we'll bring you a curated, verified shortlist.
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