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Investment Plans for NRIs in Singapore

Grow Your Wealth with NRI Investment Plans

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What are Investment Plans for NRIs in Singapore?

Investment Plans for NRIs in Singapore are India-issued financial solutions that help non-resident Indians grow their wealth while living overseas. These plans include savings plans, guaranteed return plans, ULIPs, mutual funds, deposits, equity investments, and real estate opportunities.

For many Indians living in Singapore, their long-term financial aspirations continue to be centred around India. Whether the goal is funding a child's education, planning retirement, buying a home, or creating a financial legacy for loved ones, investing in Indian rupee-denominated solutions help build wealth over time.

Besides insurance-based investment plans, eligible NRIs may also explore other popular investment avenues like mutual funds, direct equity, the National Pension System (NPS), fixed deposits, and real estate in India according to financial goals and risk appetite.

What are your investment options as an NRI in Singapore?

NRIs in Singapore have access to several investment opportunities in India, ranging from market-linked investments to guaranteed savings solutions. Investment-linked insurance plans offer an additional advantage by combining wealth creation with life insurance protection.

Create a predictable corpus with guaranteed maturity benefits while enjoying life insurance protection throughout the policy term. Suitable for planned financial milestones, such as children's education, retirement planning, or wealth accumulation.


Calculate Returns

Why invest with Ageas Federal Life Insurance from Singapore?

Whether you are building wealth for your family, planning your return to India, or creating long-term financial security while living in Singapore, Ageas Federal helps you invest with confidence.

Why do NRIs choose Ageas Federal?

  • Global Investment Access: Invest in India conveniently online from Singapore
  • Remote Video KYC: Complete onboarding without travelling to India.
  • Digital Policy Servicing: Invest, monitor, and manage your policy online from anywhere.
  • NRE & NRO Investment Support:Invest seamlessly through eligible Indian bank accounts.
  • Federal Bank Partnership: A trusted joint venture regulated by IRDAI.
  • Dedicated NRI Assistance: 24/7 support designed for customers living overseas.

Why do NRIs choose Ageas Federal?

Global Investment Access

Invest in India conveniently online from Singapore..

Remote Video KYC

Complete onboarding without travelling to India.

Digital Policy Servicing

Invest, monitor, and manage your policy online from anywhere.

NRE & NRO Investment Support

Invest seamlessly through eligible Indian bank accounts.

Federal Bank Partnership

A trusted joint venture regulated by IRDAI.

✦

Dedicated NRI Assistance

24/7 support designed for customers living overseas.

How can NRIs in Singapore invest in India?

Step 1: Choose Your Banking Route

Open (or use) your existing NRE or NRO account based on your source of income and financial requirements, and facilitate investments and eligible policy payouts in accordance with prevailing regulations.

Step 2: Complete Digital KYC

Submit the required documents, including your passport, Singapore visa, Employment Pass, S Pass, Dependant Pass, Permanent Resident status (or other applicable residency proof), PAN or Form 60, along with identity verification through our remote KYC process.

Step 3: Select the Right Investment Plan

Choose an investment plan that aligns with your financial goals, like guaranteed savings, market-linked growth, retirement planning, or building wealth for your child's future.

Step 4: Invest and Manage Online

Complete your investment digitally, monitor your policy online, and manage eligible fund switches from anywhere in Singapore.

Flexible Investment Choices

Modern financial goals call for modern investment strategies. While guaranteed return plans are good for individuals who prefer predictable maturity benefits, ULIPs are designed for investors looking for market-linked growth over a long term. On the other hand, child and retirement plans help fulfil dedicated, goal-based savings dreams while also providing life insurance protection.

Depending on your investment objectives, you may also consider other eligible investment avenues such as mutual funds, direct equity, fixed deposits, National Pension System (NPS), or real estate investments in India to diversify your portfolio.

Trusted Indian Life Insurance Partner

Ageas Federal Life Insurance is an IRDAI-regulated life insurer and a joint venture between Federal Bank and Ageas. Your investment remains backed by a trusted Indian insurer while your policy benefits are paid in Indian Rupees through the applicable banking channels.

Build Wealth in Indian Rupees

While your income is earned in Singapore Dollars (SGD), many of your long-term financial goals may still be based in India. Investing in Indian Rupees helps create a dedicated corpus for education, retirement, property purchase, and other future financial milestones while reducing dependence on future currency fluctuations.

Who can invest in India as an NRI based in Singapore?

Investment plans for NRIs in Singapore

Investment plans for NRIs in Singapore

Investment plans for NRIs in Singapore are available to eligible Indian citizens, Overseas Citizens of India (OCI), and Persons of Indian Origin (PIO), subject to Ageas Federal's underwriting guidelines and applicable regulatory requirements.
Age

Age

Entry age generally ranges from 18 to 66 years, depending on the selected investment plan.
Income & KYC Requirements

Income & KYC Requirements

Applicants are required to provide valid income proof, passport, Singapore residency or employment proof, PAN or Form 60, and other documents wherever applicable.
Status

Status

NRIs, OCIs, and PIOs residing in Singapore can apply, subject to applicable Indian regulations and insurer guidelines.
Bank Account Requirement

Bank Account Requirement

Investments are made through eligible NRE or NRO accounts in accordance with prevailing RBI and FEMA regulations.
FEMA Guidelines

FEMA Guidelines

As per FEMA guidelines, individuals qualifying as Non-Resident Indians (NRIs) and maintaining eligible banking arrangements can invest in India while residing in Singapore, subject to applicable regulations.
Final Eligibility

Final Eligibility

Note: The final eligibility depends on the selected investment plan, age, financial profile, country of residence, documentation, and underwriting requirements.

Benefits of Investment Plans for NRIs in Singapore

Investment plans for NRIs in Singapore help you build wealth in India while you stay focused on your long-term goals. Whether you are planning for retirement, your child's education, purchasing property, or creating a financial legacy, these plans support disciplined investing with financial protection.

Build a Corpus in Indian Rupees

Many future goals, such as purchasing a home, funding higher education, supporting family members, or retiring in India, require savings in Indian rupees. Investing directly in India helps you gradually build a dedicated corpus for such important milestones.

Life Cover Along with Wealth Creation

Unlike standalone investment products, investment-linked insurance plans combine long-term savings with life insurance protection. In short, your family's financial goals stay protected, even if life takes an unexpected turn.

Investment Choices for Different Risk Profiles

Choose from guaranteed return savings plans for stability or market-linked ULIPs for long-term growth potential. Goal-based child and retirement plans provide additional flexibility based on your financial priorities.

In addition, eligible NRIs can diversify their investments through options such as mutual funds, direct equity, fixed deposits, National Pension System (NPS), and real estate investments based on their financial objectives and individual risk appetite.

0% GST on Individual Life Insurance Premiums

Individual life insurance premiums attract 0% GST effective from 22 September 2025, making eligible insurance-linked investment plans even more attractive.

Fully Digital Investment Journey

From onboarding and KYC to policy servicing and investment tracking, eligible NRIs can manage their investments remotely from Singapore, making investing in India convenient regardless of where they live.

Continue Your Plan Even After Returning to India

If you relocate to India in the future, your investment plan continues without starting over. You simply need to update your residency status, contact details, and banking information with the insurer, wherever required.

Why Many NRIs in Singapore Prefer Investing in India

India is home to diverse investment opportunities, helping NRIs create a balanced investment portfolio. Combined with NRI-friendly regulations, digital investment processes, and access to multiple asset classes, investing in India allows Singapore-based NRIs to work towards their long-term financial goals while remaining connected to their home country.

NRI Investment Plans for Every Goal

Every financial goal deserves an investment plan that matches its timeline and purpose. Whether you want guaranteed savings, long-term market participation, retirement planning, or a dedicated corpus for your child's future, Ageas Federal offers investment solutions designed around your objectives.

From savings and guaranteed return plans to market-linked investment options, eligible NRIs in Singapore can choose solutions that align with their financial goals while building long-term wealth in India.

Use the investment calculator to estimate your contributions and choose a plan aligned with your goals. The projected values are illustrative and depend on the selected investment option.

Should you invest in India or locally in Singapore?

The answer depends on where your long-term financial goals are based. If your future plans include buying a home in India, funding your children's education, supporting your family, or retiring there, an India-issued investment plan can help you build wealth directly in Indian Rupees (INR).

Investment Comparison

Investment FactorIndia-issued Investment PlanLocal Investment Options
Investment CurrencyIndian Rupees (INR)Singapore Dollar (SGD) or other currencies
Financial GoalIndia-based goalsSingapore or overseas goals
Remote InvestmentAvailable for eligible NRIsDepends on local provider
NRE/NRO BankingSupportedNot Applicable
Tax ConsiderationIndia–Singapore DTAA may applySubject to Singapore tax regulations
Regulatory AuthorityIRDAIMonetary Authority of Singapore (MAS)
or the applicable local regulatory authority

Ageas Federal currently offers investment plans issued in Indian Rupees. If your long-term financial goals remain connected to India, an INR-denominated investment can be a practical way to build wealth over time. If your future financial plans are entirely centred outside India, local investment options in Singapore may complement your overall investment portfolio.

What should NRIs in Singapore check before investing in India?

Before selecting an investment plan, it is important to evaluate whether it genuinely supports your financial objectives rather than choosing solely based on expected returns.

1. Define Your Financial Goal

Start by identifying the purpose of your investment. Whether you are planning for retirement, purchasing property, funding higher education, supporting your family, or creating a financial legacy, your investment objective and time horizon should guide your decision.

2. Match the Plan with Your Time Horizon

Long-term financial goals may benefit from market-linked investment options such as ULIPs, whereas guaranteed savings plans may be more suitable for goals with a fixed investment timeline.

ULIPs are market-linked investments. The investment risk is borne by the policyholder and includes a mandatory five-year lock-in period.

3. Build a Diversified Portfolio

While insurance-linked investment plans help combine wealth creation with financial protection, eligible NRIs in Singapore may also consider diversifying their investments through mutual funds, direct equity, fixed deposits, National Pension System (NPS), or real estate based on their financial goals and individual risk profile.

4. Provide Accurate Information

Always disclose your residency status, employment details, financial information, income, and medical information (where applicable) accurately. This helps ensure smooth policy issuance and servicing throughout the policy term.

5. Understand the Tax Rules

Investment taxation differs across financial products. Before investing, understand the applicable Indian tax provisions and the benefits available under the India-Singapore Double Taxation Avoidance Agreement (DTAA). Professional tax advice is recommended based on your individual financial circumstances.

6. Ensure Your Banking Arrangements are Ready

Before investing, make sure you have an active NRE or NRO account for seamless fund transfers and policy servicing. Depending on the insurer's accepted payment methods, eligible investments may also be funded through foreign currency remittances in accordance with applicable banking regulations.

Start Investing in About 10 Minutes

Step 1

Step 1

Share your basic details, financial goal, income, and NRI status.
Step 2

Step 2

Choose the investment plan that best aligns with your financial objectives, whether you are looking for guaranteed savings, market-linked growth, retirement planning, or long-term wealth creation.
Step 3

Step 3

Complete your remote KYC verification.
Step 4

Step 4

Invest online and manage your policy digitally from Singapore.

Check Your Eligibility to Invest from Singapore

EntryAge: 18–66 years

Entry age across most NRI plans

RESIDENCY NRI/ PIO / OCI

residing in Singapore

KYCPassport

Singapore Employment Pass / S Pass / Dependant Pass / Permanent Resident Card or other applicable residency proof, PAN or Form 60

BankAccount: NRE or NRO Account Required
IncomeProof

Salary Slips, Employment Letter, CPF Income Records (where applicable) or Bank Statements

Who Can Apply?

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

  • ✔ Non-Resident Indians (NRIs)
  • ✔ Overseas Citizens of India (OCIs)
  • ✔ Persons of Indian Origin (PIOs)
  • ✔ Indian citizens working or residing in Singapore on eligible employment, business, or dependent visas, subject to applicable regulations

How can NRIs in Singapore pay for investment plans?

NRE or NRO Account

The most common investment route is through your NRE or NRO account. These accounts allow you to make contributions in accordance with applicable banking and regulatory guidelines while also facilitating eligible policy payouts.

Foreign Currency Remittance

Eligible investors may remit funds from Singapore, which are converted into Indian Rupees through the applicable banking channels before being invested in the selected plan, wherever permitted.

Flexible Digital Payment Experience

Eligible NRIs residing in Singapore can complete premium payments through supported banking channels linked to their NRE or NRO accounts. Depending on the insurer's accepted payment methods, foreign currency remittances may also be used in accordance with prevailing RBI and FEMA regulations.

How are NRI investments in India taxed for Singapore residents?

Understanding taxation is an important part of investing in India. For NRIs residing in Singapore, taxation generally depends on the type of investment, applicable Indian tax laws, and the provisions of the India-Singapore Double Taxation Avoidance Agreement (DTAA). Tax treatment may vary based on your financial profile, so professional advice is recommended.

Capital Gains Tax

Returns earned from investments such as equity, mutual funds, real estate, or other capital assets may be subject to capital gains tax in India. Certain exemptions may be available under the Income Tax Act, subject to the applicable conditions.

Tax Benefits on Life Insurance Plans

Life insurance plans have a separate tax treatment from general investments. Eligible maturity and death benefits may qualify for tax benefits under the applicable provisions of the Income Tax Act, subject to prevailing rules and conditions.

Tax Deduction on Premiums

NRIs having taxable income in India may be eligible to claim deductions on qualifying life insurance premiums under the applicable provisions of the Income Tax Act, subject to the prescribed limits and the tax regime chosen.

DTAA Benefits

The India-Singapore Double Taxation Avoidance Agreement (DTAA) helps reduce the possibility of the same income being taxed in both countries. Eligible investors may claim applicable relief by fulfilling the required documentation and regulatory conditions, subject to the provisions of the treaty and applicable tax laws.

Individual life insurance premiums attract 0% GST effective from 22 September 2025.

Disclaimer: Tax laws are subject to change and depend on your individual circumstances. Ageas Federal Life Insurance does not provide tax advice. Please consult a qualified tax advisor before making investment decisions.

What documents do you need?

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Identity Proof

Keep the following documents ready while applying for an NRI investment plan:

All Required

  • Valid Passport
  • Singapore Employment Pass / S Pass / Dependant Pass / Permanent Resident Card or other valid residency proof
  • PAN Card or Form 60 (where applicable)
  • Overseas Address Proof
  • NRE or NRO Bank Account Details
  • Recent Passport-size Photograph
  • Income Proof, wherever applicable

Upload a recent, clear passport size photograph.
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Getting started is as easy as 1-2-3-4.

  • Step 1

    Open or use your NRE/NRO account.

  • Step 2

    Complete Video KYC.

  • Step 3

    Select an investment plan based on your financial goals, investment horizon, and risk appetite.

  • Step 4

    Invest online and manage your policy digitally from Singapore.

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Ways to Pay

  • NRE Account
  • NRO Account
  • Eligible Foreign Currency Remittance
  • Online Auto-Debit Facility

Trusted by NRI Families

Thousands of NRIs trust Ageas Federal for their long-term financial planning needs. Explore genuine customer experiences and learn how our investment solutions help families living in Singapore and across the world stay financially connected with India.

Trusted by NRI Families

icon-shield-green-xs.pngIRDAI Approved
icon-users-xs.png25 Lakh+ Customers
icon-award-badge-xs.pngClaim Settlement 99.82%
4.5Star 2.pngon Google
★★★★★

“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

Which Ageas Federal Investment Plan Fits NRIs in Singapore?

Whether your goal is wealth creation, guaranteed savings, retirement planning, or securing your family's future, Ageas Federal offers investment solutions designed around different financial needs.

Why Choose an Ageas Federal Investment Plan?

  • Savings and investment options for different life goals
  • Remote onboarding and policy servicing for eligible NRIs
  • Life insurance protection built into eligible investment plans
  • Convenient digital investment journey designed for NRIs residing in Singapore

Calculate Returns

Need Assistance?

Speak with our dedicated NRI investment specialists to understand your options and choose a plan that aligns with your financial goals.

Promises Made Possible

Discover how Ageas Federal has helped customers plan for life's important milestones through savings, protection, retirement, and investment solutions.

Share Your Experience

Already an Ageas Federal customer?

Share your investment experience and help fellow NRIs living in Singapore make informed financial decisions. Every review is moderated before publication to ensure authenticity and relevance.

About Ageas Federal Life Insurance

Ageas Federal Life Insurance is an IRDAI-regulated life insurance company and a joint venture between Federal Bank and Ageas. With solutions across protection, savings, retirement, investment, annuity, and health insurance, the company serves customers in India and abroad through digital servicing designed for NRIs.

Whether you are living in Singapore or any other part of the world, Ageas Federal continues to help eligible NRIs build long-term financial confidence through solutions designed for different life stages and financial goals.

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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

Yes. Eligible NRIs can invest in India remotely by completing the required KYC process and investing through their NRE or NRO account. Depending on the selected investment plan and underwriting requirements, most of the application process can be completed online.

FAQ Image

Ageas Federal Life Insurance Company Limited is an IRDAI-regulated life insurer. Investment-linked insurance plans are subject to the terms and conditions of the respective policy.

For Unit Linked Insurance Plans (ULIPs), the investment risk in the investment portfolio is borne by the policyholder. ULIPs are subject to a mandatory five-year lock-in period. Past performance is not indicative of future performance.

Any figures generated through online calculators are illustrative in nature and should not be considered as guaranteed returns.

Tax benefits, GST provisions, and benefits under applicable laws, including those available under the India-Singapore Double Taxation Avoidance Agreement (DTAA), where applicable, are subject to amendments in tax regulations and individual eligibility. Customers are advised to consult qualified financial and tax professionals before making investment decisions.

Please read the sales brochure and policy document carefully before purchasing any insurance product.

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