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NRI Investment Plans

Grow Your Wealth with NRI Investment Plans

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NRI Investment Plans in India

Build wealth and protect your goals in India while staying abroad with Ageas Federal NRI investment plans.

Living abroad doesn't have to be a block for your India-linked financial goals. With Ageas Federal investment plans for NRIs, you can build a rupee corpus for long-term goals like guaranteed savings or retirement income while keeping life cover built into the plan.

Can NRIs invest in life insurance plans in India?

Yes, all NRIs, OCIs, and PIOs can buy life-insurance-linked investment plans in India, subject to KYC, underwriting, country-of-residence rules, and product eligibility. The top NRI investment plan options are market-linked ULIPs, guaranteed savings, and pension or retirement plans.

Which NRI investment plan should you choose?

The NRI investment plan you pick depends on your goal, time horizon, risk comfort, payout needs, and tax position in India and your country of residence. A plan for a child's education after 12 years should not be evaluated the same way as a retirement income plan or a fixed payout needed in five years. So, lead your decision by goal and not the product on offer.

Types of NRI investment plans from Ageas Federal

1. Market-linked plans (ULIPs):ULIPs combine life cover with market-linked investment, where a part of the premium goes toward life cover and applicable charges. The balance gets invested across equity, debt, or a mix of two. ULIPs do not promise guaranteed returns and are heavily dependent on market performance, chosen fund mix, charges, and policy terms. Explore our curated ULIPs for NRIs. ProGrow Plan || Platinum Wealth Builder Plan ||Smart Growth Plan || Wealth Gain Insurance Plan || Wealthsurance Growth Insurance Plan SP Who should buy it? NRIs with a longer time horizon and anyone who can stay invested through market cycles.

2. Guaranteed savings plans:The benefit pattern in a guaranteed savings plan varies as per policy terms at purchase. So, a guaranteed savings plan can help when you have a clear goal and investment amount. The payout of Ageas Federal’s Guaranteed Savings Plan for NRIs can be either a lump sum, regular income, or a combination of both, depending on the product variant. Guaranteed Wealth Plan || Guaranteed Income Plan Who should buy it? NRIs who want certainty from their investments.

3. Pension and retirement plans:Ageas Federal pension and retirement plans are uniquely designed to convert savings into income. These plans work best when the goal is not just to accumulate a corpus but to have a steady cash flow after retirement. Retire Smart Plan | Golden Years Pension Plan | Saral Pension Plan Who should buy it? NRIs planning a retirement income stream in India, especially when planning for future return.

Why Buy NRI Investment Plans in India with Ageas Federal?

The Federal Bank connection.
Ageas Federal is a joint venture with Federal Bank, keeping your premiums, payouts, and policy under one roof.
Remote servicing.
Explore, apply, pay, switch funds, and track your investments in a few clicks no matter where you live.
Top-rated service.
Ageas Federal is ranked among the top 10 life insurance brands for customer experience in the Hansa Research CuES 2026 report. Time to start your NRI investment. Talk to an Ageas Federal NRI insurance advisor to discuss your goal and get quick recommendations.

Who can apply for NRI investment plans?

NRIs, OCIs, and PIOs can apply for eligible investment-linked life insurance plans in India. Final approval depends on documents, country of residence, age, income, medical history, financial underwriting, and the plan selected.

Portfolio Diversification

Benefitting by being a part of the India’s growing economy allows the NRIs to gain portfolio diversification that reduces geographic concentration risk. While they are tapping the geographical expanse, they also get to benefit from government-backed schemes and investment options that can further solidify their investment portfolio. Additionally, the insurance plans, especially the ULIPs and other life insurance-cum-retirement pans come at lower premiums than what NRIs get abroad.

High-Growth Potential

As per the India Development Update (IDU) report, India is the fastest growing major economy, having experienced a rapid clip of 8.2% in FY23-24. This definitely stirs the conversation in the high-growth direction. NRIs making investments in India can benefit from the potentially rapid growth as the Indian growth story scales new heights.

Key Takeaways

Simple and Transparent Plans

Simple and Transparent Plans

Clear and easy to understand policies designed to provide reliable financial protection without unnecessary complexity.
Tax Saving Benefits

Tax Saving Benefits

Enjoy tax advantages on premiums paid along with tax free benefits, helping you maximize your overall savings.
Flexible Policy Terms

Flexible Policy Terms

Choose policy duration and premium payment options that align comfortably with your financial goals and budget.
Inclusive for Every Life Stage

Inclusive for Every Life Stage

Plans designed to suit diverse needs, from young professionals to those nearing retirement, across varying financial priorities.
Cost Effective Coverage

Cost Effective Coverage

Get high coverage at affordable premiums, ensuring strong financial protection without straining your finances.
Multiple Plan Choices

Multiple Plan Choices

Explore a range of term insurance options and select the one that best fits your financial situation and future plans.

Why Choose Ageas Life Insurance?

99.82%

Claim Settled

1.2M+

Customers Served

20+

Years of Trust

100+

Branches

₹19,000Cr

Assets Managed

Global Investment Opportunities for NRIs Through GIFT City

Non‑Resident Indians seeking to build wealth increasingly look for ways to balance India’s strong growth potential with exposure to international markets. GIFT City provides a regulated gateway to achieve this, offering access to a wide range of global financial instruments that can help diversify portfolios, reduce risk, and align investments with long term financial goals.

Through GIFT City, NRIs can invest in equities, bonds, Exchange Traded Funds (ETFs), mutual funds, life insurance, derivatives, commodities, and foreign currencies. This breadth of choice makes it easier to integrate international opportunities into a long term wealth creation plan, while maintaining compliance and transparency.

By combining global reach with trusted regulatory oversight, GIFT City empowers NRIs to expand their financial horizons with confidence. It stands as a practical platform for diversification and international wealth creation, ensuring that global opportunities are accessible, secure, and future ready.

Best Investment Options in India for NRIs

Life Insurance

Life Insurance

As savings plans build a potentially significant corpus, it brings certainty to your savings and peace of mind to you.
Fixed Deposits

Fixed Deposits

As savings plans build a potentially significant corpus, it brings certainty to your savings and peace of mind to you.
Guaranteed Returns Plans

Guaranteed Returns Plans

As savings plans build a potentially significant corpus, it brings certainty to your savings and peace of mind to you.
Unit Linked Insurance Plans

Unit Linked Insurance Plans

As savings plans build a potentially significant corpus, it brings certainty to your savings and peace of mind to you.

NRI Investment Options with Low Risk in India

For those looking specifically for low-risk NRI investment options in India, the list given below should be considered:
INVESTMENT PLANS

Fixed Deposit

Fixed Deposit, commonly popular as FD, is undoubtedly one of the sought-after investment tools in India. The prime reason behind its popularity is its low-risk feature. The interest rate is fixed at the time of account-opening and the tenure is also fixed. This same reason applies when we name FD as a low-risk investment option for NRIs in India.

Debt Mutual Funds

Debt mutual funds such as liquid funds, ultra-short duration funds, money market funds, etc. are considered potentially low risk investments as they invest in debt instruments with short residual maturity. While NRIs can make such potentially low risk mutual fund investments in India, they need to ensure that they are compliant with all applicable regulations such as FATCA, etc.

NRI Investment Options for HNIs

First of all, let's understand the meaning of HNI from a finance and tax perspective. The full form of HNI is High Net-Worth Individual.
INVESTMENT PLANS

Traditional Investments:

These include popular investment options such as real estate, equity investments, different types of mutual funds basis the risk profile, stocks, and shares etc.

Alternative Investments:

These are different from the above-mentioned traditional investment vehicles and include options like hedge funds, private equity funds, private debt funds, and venture capital funds etc. these options provide appropriate diversification coupled with higher returns.

Portfolio Management Schemes::

These are flexible investment vehicles providing personalized client fund management solutions usually featuring a minimum investment requirement of Rs 50 lakhs. These could be highly profitable options but one should be mindful of the potential risks associated with such investments.

Commercial Real Estate: 

While residential real estate is a popular traditional NRI investment option for HNIs, commercial real estate investment is an alternative that can be equally lucrative. As the name suggests, this type of real estate includes office spaces, shopping centres, hotels, etc.

How can NRIs Invest in India?

Convert Existing Bank Account

You should have converted/shifted your existing Indian savings/current account to an NRE/NRO account or open new accounts of these types

Keep a Valid Indian Passport

You should have converted/shifted your existing Indian savings/current account to an NRE/NRO account or open new accounts of these types.

Complete KYC & Open Demat Account

You should have converted/shifted your existing Indian savings/current account to an NRE/NRO account or open new accounts of these types.

Ensure PINS / NRE Compliance

In addition to the Demat account, for investing in the Indian stocks, you must make sure that your NRE account is compliant as per the Portfolio Investment NRI Scheme or PINS. If not, NRIs can only use an NRO account to route their investments.

Check FATCA & CRS Guidelines

For NRIs residing in USA and Canada and planning to invest in mutual funds managed by fund houses in India, make sure that the fund house chosen must be compliant with the FATCA and CRS guidelines.

7 steps to Buy an NRI investment plan with Ageas Federal

*India tax thresholds for NRI ULIPs and guaranteed plans, with death benefit always exempt.

Step 1

Choose your goal

Choose your goal (corpus growth, guaranteed payout, or retirement income).

Step 2

Choose your plan

Select the plan type (ULIP, guaranteed savings, or pension/retirement plan).

Step 3

Calculate Premium

Use the Ageas Federal premium calculator to estimate the premium and target amount or talk to our expert advisors

Step 4

Online verification

Complete KYC and application details online, including passport, overseas address and residence documents.

Step 5

Complete underwriting

Complete medical and financial underwriting if requested.

Step 6

Pay Premium

Pay the premium through a permitted NRE, NRO ,or FCNR route.

Step 7

Track Policy

Track and manage the policy remotely after issuance.

Eligibility Criteria for NRIs to Invest in India

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AGE18 - 66 years

Entry age across most NRI plans

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RESIDENCY NRI/ PIO / OCI

From 30+ countries including UAE, USA, UK, Canada, Singapore, Australia

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KYCPassport + Visa

Valid passport, visa/residency proof & overseas address

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INCOME PROOFLast 6 months

Salary slips, bank statements or employment letter

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MEDICALTele / Video

Conducted remotely — no travel to India required

Who Can Apply?

Open to a wide spectrum of global Indians — confirm your eligibility in under 60 seconds.

  • ✔ Non-Resident Indians (NRIs) holding Indian passport
  • ✔ Persons of Indian Origin (PIO) cardholders
  • ✔ Overseas Citizens of India (OCI) cardholders
  • ✔ Foreign nationals residing in India on long-term visa
  • ✔ Indian citizens on deputation / work assignment abroad
  • ✔ Merchant Navy professionals & seafarers

SUM ASSURED

₹25L – ₹10 Cr+

POLICY TERM

10 – 40 years

PROCESS

100% Online

Common document requirements for NRI investment plans:

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Photograph

Recent passport size photograph.

Any One Required

Photo Guidelines

  • ✔ Passport
  • ✔ Visa or residence proof
  • ✔ Overseas address proof
  • ✔ PAN or Form 60 where applicable
  • ✔ Recent photograph Income proof
  • ✔ Indian bank account details
  • ✔ medical or financial documents for underwriting
Upload a recent, clear passport size photograph.
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Identity Proof

Proof of your identity as per government records.

Any One Required

Accepted Documents

  • ✔ Aadhaar Card
  • ✔ Passport
  • ✔ Driving License
  • ✔ Voter ID
Any one of the above valid documents is required
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Age Proof

Proof of your date of birth as per government records.

Any One Required

Accepted Documents

  • ✔ Aadhaar Card
  • ✔ Passport
  • ✔ Driving License
  • ✔ Birth Certificate
  • ✔ Baptism Certificate/PAN Card
Any one of the above valid documents is required

Trusted by NRI Families Worldwide

icon-shield-green-xs.pngIRDAI Approved
icon-users-xs.png25 Lakh+ Customers
icon-award-badge-xs.pngClaim Settlement 99.82%
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★★★★★

“I am grateful to Mr Madhukar Shinde & Agess Federal Life for their incredible assistance in processing my wife's death claim.
Ageas Federal life's prompt service amazed me as I received the claim amount within 24 Hours of applying.”

AP

Ashok Pagare

Mumbai, Maharashtra

★★★★★

“I've been a customer of Ageas Federal Life Insurance for several years now, and I couldn't be happier with their service. One of the aspects that truly stands out to me is their seamless renewal payment process.”

KD

Kunal Dalvi

Pune, Maharashtra

★★★★★

“My experience with Ageas Federal has been nothing short of exceptional. From the moment I reached out to inquire about their policy, I was met with a smooth and efficient process that left me feeling assured. ”

DR

Dharmendra Rathod

Bangaluru, Karnataka

Step Closer To The Life You’ve Imagined With Our Featured Plan

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Ageas Federal Life Insurance Shield

AGEAS FEDERAL LIFE INSURANCE

Endorsed by Life Insurance Experts

Ageas Federal Is A Trusted Life Insurance Partner

At Ageas Federal Life Insurance, we are dedicated to creating meaningful insurance solutions that help individuals build a secure and confident future. With over a decade of experience, we offer a wide range of plans across protection, pension, savings, investment, annuity, and health, designed to support evolving financial needs at every stage of life.

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Frequently asked questions about NRI investment plans in India

Yes, NRIs, OCIs, and PIOs can apply for Indian life insurance-linked investment plans from abroad. The entire process is completed remotely, subject to KYC, medical underwriting, financial underwriting, and country-specific eligibility checks. You may also be asked to submit additional documents besides the regular ones like passport, visa, or residence and overseas address proof along with Indian bank account details. Final approval, riders, and sum assured limits are subject to the insurer's approval.

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This sales literature gives only the salient features of the Ageas Federal Life Insurance Super Protect Plan. It uses easy-to-understand language to explain the features. Your plan is governed only by the full legal terms, conditions and exclusions as contained in the policy document. There are riders attached to this plan. Please read the policy document for more details. Ageas Federal Life Insurance Super Protect Plan is a Non-linked, Non-participating, Individual, Pure Risk Premium and Savings Life Insurance Plan (UIN:135N102V01). The product is underwritten by Ageas Federal Life Insurance Company Limited (IRDAI Regn. No 135; Corporate Identity Number (CIN) - U66010MH2007PLC167164) having its corporate and registered office at: Ageas Federal Life Insurance Company Limited, 22nd Floor, A Wing, Marathon Futurex, N. M. Joshi Marg, Lower Parel – East, Mumbai – 400013. Website: www.ageasfederal.com. Toll-Free: 1800 209 0502. Trade Logo displayed above belongs to The Federal Bank Limited and Ageas International Insurance N. V. and used by Ageas Federal Life Insurance Company Limited under license from respective partners. Ageas Federal Life Insurance Company Ltd. does not assume responsibility on tax implication. #18-year-old healthy non tobacco consuming male with policy term 10 years and Premium payment term for 10 years A Non-Linked Non-Participating Individual Pure Risk / Savings Life Insurance Plan (UIN: 135N102V01)
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Registered Address: Ageas Federal Life Insurance Co Ltd, 22 nd Floor, A Wing, Marathon Futurex, N. M. Joshi Marg, Lower Parel (East), Mumbai 400013, India.

IRDAI Registration No. 135, 19 th Dec, 07. Corporate Identity Number (CIN) - U66010MH2007PLC167164.

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