need help left Call to Buy 022 6537 6767
Vercel LogoVercel Logo

Investment Plans for NRIs in United States

Grow Your Wealth with NRI Investment Plans

Avail 0% GST
First Name*
Mobile Number*
+1
Email ID*
Date of Birth*
Male
  • Customized life coverage
  • Hassle free Payout
  • Tax Benefits*

Not sure what you need?
Just send us a message for more info

What are investment plans for NRIs in the United States?

Investment Plans for NRIs in the United States are India-issued financial solutions designed to help Non-Resident Indians build wealth while living abroad. These plans include savings plans, guaranteed return plans, ULIPs, mutual funds, deposits, equity investments, and real estate opportunities.

For many Indians living across the United States, future financial commitments often remain closely connected to India. Whether your goal is funding your child's higher education, planning retirement, purchasing a home, or creating a financial legacy for your loved ones, investing in Indian Rupee-denominated plans can help you build a dedicated corpus over time.

The United States offers excellent career opportunities and financial stability, but many NRIs continue to invest in India because of its growing economy, expanding investment landscape, and long-term wealth creation opportunities. Investment-linked life insurance plans also provide the added advantage of life cover alongside wealth creation, helping safeguard your family's future while your investments continue to grow.

What are your investment options as an NRI in the United States?

NRIs living in the United States have access to multiple investment opportunities in India depending on their financial goals, investment horizon, and risk appetite. From market-linked investments to guaranteed savings solutions, each option serves a different financial objective. Investment-linked insurance plans provide 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. These plans are well suited for planned financial milestones such as children's education, retirement planning, wealth accumulation, or future family commitments in India.

→ Explore

Why invest with Ageas Federal Life Insurance from the United States?

Whether you are planning to build wealth for your family, diversify your investments, or prepare for your eventual return to India, Ageas Federal helps eligible NRIs in the United States invest with confidence through solutions designed around long-term financial goals.

Why Ageas Federal?

  • Global Investment Access:Invest in India conveniently while living in the United States through a seamless digital investment journey.
  • Remote Video KYC: Complete your onboarding process remotely without travelling to India.
  • Digital Policy Servicing: Invest, monitor, and manage your policy online from anywhere in the United States.
  • NRE & NRO Investment Support: Invest conveniently through eligible Indian bank accounts.
  • Federal Bank Partnership: A trusted joint venture regulated by IRDAI.
  • Dedicated NRI Assistance: Specialised support designed for customers residing overseas.

How can NRIs in the United States invest in India?

Step 1: Choose Your Banking Route

Open or use your existing NRE or NRO account depending on your source of income and financial requirements. These accounts facilitate investments and eligible policy payouts.

Step 2: Complete Digital KYC

Submit the required documents, including your passport, valid US visa, Green Card or other eligible residency proof, PAN or Form 60, along with identity verification through the remote KYC process.

Step 3: Select the Right Investment Plan

Choose an investment plan that aligns with your financial goals, whether you are looking for 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 the United States.

Flexible Investment Choices

Every financial goal requires a different investment strategy. Guaranteed return plans are suitable for individuals seeking predictable maturity benefits, while ULIPs are designed for investors looking for long-term market-linked growth. Child and retirement plans help create dedicated goal-based savings while providing life insurance protection.

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 benefits are paid in Indian Rupees through the applicable banking channels.

Tax Efficiency

Individual life insurance premiums attract 0% GST from 22 September 2025. Eligible investors may also benefit from provisions available under the India-United States Double Taxation Avoidance Agreement (DTAA), subject to applicable laws, tax regulations, and individual tax status.

Build Wealth in Indian Rupees

While your income is earned in US Dollars (USD), many of your future financial goals may still be centred in India. Investing in Indian Rupees allows you to gradually build a dedicated corpus for education, retirement, purchasing property, or supporting your family, while also helping you benefit from India's growing economy and long-term investment opportunities.

Who can invest in India as an NRI based in the United States?

Investment Plans for NRIs in the United States

Investment Plans for NRIs in the United States

Investment Plans for NRIs in the United States 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 Eligibility

Age Eligibility

Entry age generally ranges from 18 to 66 years, depending on the selected investment plan.
Eligible Status

Eligible Status

NRIs, OCIs, and PIOs residing in the United States can apply, subject to applicable regulations.
Income & KYC Requirements

Income & KYC Requirements

Applicants are required to provide valid income proof, passport, US visa, Green Card or other valid residency proof, PAN or Form 60, and other documents wherever applicable.
Bank Account Requirement

Bank Account Requirement

Investments are made through eligible NRE or NRO accounts in accordance with prevailing banking and regulatory guidelines.
Final eligibility

Final eligibility

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 the United States

Investment Plans for NRIs in the United States help you build wealth in India while staying financially connected to your long-term goals. Whether you are planning for retirement, your child's education, purchasing a home in India, or creating a legacy for your loved ones, these plans combine disciplined investing with financial protection.

Build a Corpus in Indian Rupees

Many long-term financial goals, such as purchasing property, funding higher education, supporting family members, or retiring in India, require savings in Indian Rupees. Investing directly in India helps you steadily create a dedicated corpus for these future milestones.

Life Cover Along with Wealth Creation

Unlike standalone investment products, investment-linked insurance plans combine long-term wealth creation with life insurance protection. This ensures your family's financial aspirations remain protected even if life takes an unexpected turn.

Investment Choices for Different Risk Profiles

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

ULIP returns are market-linked. The investment risk in the investment portfolio is borne by the policyholder. ULIPs have a mandatory five-year lock-in period.

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 for NRIs investing in India.

Fully Digital Investment Journey

From onboarding and remote KYC to policy servicing and investment tracking, eligible NRIs can conveniently manage their investments online while living in the United States.

Continue Your Plan Even After Returning to India

If you relocate to India permanently in the future, your investment plan can generally continue without interruption. You simply need to update your residency status, banking details, and contact information with the insurer.

NRI Investment Plans for Every Goal

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

Many NRIs in the United States continue to invest in India to stay financially prepared for future responsibilities while benefiting from India's growing economy and long-term wealth creation opportunities.

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 the United States?

The answer depends on where your financial goals are based. If your future plans include buying a home in India, funding your children's education, supporting your family, or planning retirement in India, an India-issued investment plan can help you build your savings directly in Indian Rupees.

Investment FactorIndia-issued Investment PlanLocal Investment Options
Investment CurrencyIndian Rupees (INR)US Dollar (USD) or other currencies
Financial GoalIndia-based goalsUnited States-based or global goals
Remote InvestmentAvailable for eligible NRIsDepends on local provider
NRE/NRO BankingSupportedNot Applicable
Tax ConsiderationIndia-United States DTAA may apply Subject to local regulations
Regulatory AuthorityIRDAIApplicable US Regulatory Authority

Ageas Federal currently offers investment plans issued in Indian Rupees. If your long-term financial goals remain connected to India, investing in INR-denominated plans can be a practical way to build wealth. If your future goals are primarily based in the United States or elsewhere, international investments may also complement your overall portfolio.

What should NRIs in the United States 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

Begin by identifying the purpose of your investment. Whether you are planning for retirement, purchasing property in India, funding higher education, or creating a financial legacy for your family, your investment horizon and target corpus should guide your decision.

2. Match the Plan with Your Time Horizon

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

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

3. Provide Accurate Information

Your residency status, income details, financial information, and medical disclosures (where applicable) should always be provided accurately. This helps ensure smooth policy issuance and servicing throughout the policy term.

4. 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-United States Double Taxation Avoidance Agreement (DTAA). Professional tax advice is recommended based on your individual financial circumstances and US tax obligations.

Start Investing in About 10 Minutes

Step 1

Step 1

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

Step 2

Choose the investment plan that best aligns with your financial objectives.
Step 3

Step 3

Complete your remote KYC verification.
Step 4

Step 4

Invest online and manage your policy digitally from anywhere in the United States.

Check Your Eligibility to Invest from United States

icon-user-check-xs.png
AGE18 - 66 years

Entry age across most NRI plans

icon-globe-xs-white.png
ResidencyNRI / OCI / PIO residing in the United States
icon-file-text-xs.png
KYCPassport, US Visa, Green Card or Valid Residency Proof, PAN or Form 60
icon-shield-white-xs.png
BankAccount NRE or NRO Account Required
icon_income_proof_white_xs.png
IncomeProof

Salary Slips, Employment Letter, Tax Documents 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, studying, or residing in the United States, subject to applicable eligibility criteria


How can NRIs in the United States pay for Investment Plans?

NRE or NRO Account

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

Foreign Currency Remittance

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

Auto-Debit Facility

You can also opt for automated premium payments to ensure your investment journey remains uninterrupted. Regular contributions encourage disciplined investing and help keep your policy active throughout the chosen policy term.

How are NRI investments in India taxed for United States residents?

Capital Gains Tax:

Understanding taxation is an important part of investing in India. For NRIs residing in the United States, taxation generally depends on the type of investment, applicable Indian tax laws, and the provisions of the India-United States Double Taxation Avoidance Agreement (DTAA). Since tax treatment varies based on your individual financial profile and residency status, professional tax advice is recommended.

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 provisions.

Tax Benefits on Life Insurance Plans:

Life insurance plans have a separate tax treatment from general investment products. Eligible maturity and death benefits may qualify for tax benefits under the applicable provisions of the Income Tax Act, subject to prevailing laws 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-United States Double Taxation Avoidance Agreement (DTAA) helps reduce the possibility of the same income being taxed twice. Eligible investors may claim applicable relief by fulfilling the required documentation and regulatory conditions.

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.

Documents Required & How to Start

icon-camera-xs.png

Identity Proof

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

All required

Accepted Documents

  • Valid Passport
  • Valid US Visa, Green Card, or other applicable US Residency Proof
  • PAN Card or Form 60 (where applicable)
  • UK Address Proof / Overseas Address Proof
  • NRE or NRO Bank Account Details
  • Income Proof, wherever applicable

Upload a recent, clear passport size photograph.
icon-user-white-xs.png

How to Start

  • 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.

  • Step 4

    Invest online and manage your policy digitally from anywhere in the United States..

icon-display-setting-white-s.png

Ways to Pay

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

Trusted by NRI Families

Thousands of NRIs across the United States trust Ageas Federal for their long-term financial planning needs. Explore genuine customer experiences and discover how our investment solutions help families remain financially connected with India while working and living overseas.

Trusted by NRI Families Worldwide

IRDAI Approved
25 Lakh+ Customers
Claim Settlement 99.82%
4.5on 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 the United States?

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

Why Choose an Ageas Federal Investment Plan?

  • Savings and investment solutions for different life goals
  • Remote onboarding and digital policy servicing for eligible NRIs
  • Life insurance protection integrated with eligible investment plans
  • Designed to help NRIs in the United States stay financially connected with India

→ Calculate Returns

Need Assistance?

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

Share Your Experience

Promises Made Possible

Discover how Ageas Federal has helped customers achieve important financial milestones through savings, protection, retirement, and investment solutions designed for every stage of life.

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 overseas through digital servicing designed for NRIs.

Whether you are living in the United States or any other part of the world, Ageas Federal continues to help individuals and families build long-term financial confidence with solutions tailored to different life stages and financial goals.

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

Need Assistance ?

For all your needs, we’re here with expert assistance

80+ BranchesPAN India Service
1,63,452Insurance Consultants

Have Us Call You

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.

SHARE YOUR EXPERIENCE

Your overall rating

Your experience helps others choose with confidence

Share your experience with Ageas Federal and help other customers make informed decisions.

Every review is verified and moderated to keep feedback genuine, transparent and useful.

4.8OUT OF 5
TRUSTED BY12K+HAPPY CUSTOMERS
VERIFIED
MODERATED

Your review will be public and may help other customers.

Reviews are moderated. By submitting, you agree to our review policy.

Frequently Asked Questions

Yes. Eligible NRIs residing in the United States 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.

img-question-mark.png

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 guaranteed returns.

Tax benefits, GST provisions, and benefits under applicable laws 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.

  • facebook logo
  • Twitter logo
  • linkedin logo
  • youtube logo
  • instagram logo

OUR PLANS

ABOUT AGEAS FEDERAL

QUICK LINKS

Buying Our Plans – Video Guide with Sign Language:

Scan QR code to download the Ageas Federal Life Insurance mobile app
Get it on Google PlayGoogle PlayGET IT ONDownload on the App StoreApp StoreDownload on the
Financial Information | E-Insurance Account | Unclaimed Payouts | Withdrawn Products | Corporate Agents | Terminated Agents | Active Agents | Company policies | Insurance Ombudsman | ACE | DNC Registry | Life Insurance Council | IRDAI | Grievance Redressal Policy | IRDAI Customer Education | IRDAI Public Notice On Spurious Calls | Importance Of Nomination Updation | Disclaimer | Sitemap | Terms And Conditions | Black Listed Agents

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.

Information & Cyber Security Policy Statement adopted by AFLI - We are committed to ensure Confidentiality, Integrity, Availability and Security of our Physical and Information Assets always for serving the needs of interested parties.

Translations of Ageas Federal Life Insurance web pages in vernacular is meant for the restricted purpose of user’s ease of understanding it in his/her language. In case of any discrepancy and for all official & legal purposes, the English version of the web pages shall prevail.

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS : IRDAI or its officials do not involve in any activities of insurance business like selling insurance policies, announcing bonus or investment of premiums, refund of amounts. Policyholders or the prospects receiving such phone calls are requested to lodge a police complaint.

Copyright © 2026 Ageas Federal Life Insurance Co Ltd. All Rights Reserved.