The dream of investing in global giants like Apple, Tesla, Facebook, Netflix, and other industry leaders is no longer out of reach for Indian investors. With growing awareness and accessibility, combined with a supportive regulatory framework, diversifying investments across borders has become easier than ever. Unlock global markets as an Indian investor. Let’s explore the opportunities for overseas equity investment out of India, and what it means for those looking to grow their wealth.
Introduced by the Reserve Bank of India (RBI), the Liberalized Remittance Scheme (LRS) empowers Indian residents to invest in foreign equities and other international assets. Under this scheme, every resident can remit up to $250,000 per financial year. What’s even better? This limit applies to each individual within a family, meaning that each family member has their own $250,000 cap. In a household of four, for example, the total potential remittance could be as high as $1,000,000 annually!
Why is this significant? By leveraging the LRS framework, Indian investors can now access international markets directly, exploring opportunities that were previously limited to domestic options. This is particularly appealing for those who wish to capitalize on companies leading the charge in innovation, technology, and sustainability.
Investing abroad doesn’t have to be complicated—especially when it comes to taxes. The 2025 Union Budget introduced a pivotal change: for remittances up to ₹10 lakh per financial year, no Tax Collected at Source (TCS) applies. This means individuals can send money abroad without incurring an upfront tax liability. For amounts exceeding ₹10 lakh, TCS applies at 20%, depending on the purpose of remittance.
One concern investors often have is whether they’ll face additional tax burdens when remitting funds overseas. The good news? TCS can be adjusted. If your employer deducts Tax Deducted at Source (TDS), you can offset the TCS when filing your tax returns or even pre-adjust it by notifying your employer. This ensures that investing globally remains tax-efficient and manageable.
The rise of user-friendly platforms has transformed the landscape of overseas equity investments. Gone are the days of complicated brokerage processes. Today, apps like INDmoney, Vested, and Stockal allow Indian investors to buy shares of US-listed companies and ETFs with ease.
These platforms provide seamless onboarding, robust educational resources, real-time tracking, and tools for optimizing investments. Additionally, they guide users through compliance with LRS regulations and handle currency conversion—making the overall experience smooth and transparent.
Whether you’re a seasoned investor or a beginner, these platforms simplify entry into the global markets. They enable Indian residents to diversify their portfolios and capitalize on opportunities outside of the domestic market, offering exposure to industries such as technology, healthcare, and renewable energy.
Indian equities provide promising opportunities, but overseas markets add an additional layer of diversification, risk management, and growth potential. Here are some reasons why investing abroad might be worth considering:
While investing in overseas equities presents exciting opportunities, it’s essential to remain mindful of potential risks:
To maximize returns and mitigate risks, Indian investors should adopt a thoughtful approach:
Set Clear Goals: Understand your investment objectives, be it long-term wealth creation or exposure to high-growth sectors.
The ability to invest in overseas equities is transforming the financial landscape in India. As global connectivity increases, Indian investors have greater opportunities to engage with international markets. Whether you’re eyeing Tesla’s revolutionary electric cars, Amazon’s e-commerce empire, or Netflix’s entertainment innovation, the world is within your reach.
If you’re ready to take the leap into international markets, look no further. Platforms like INDmoney, Vested, and Stockal provide everything you need to get started. And for those seeking tailored advice, CrispIdea is here to ensure your overseas investments are smart, tax-efficient, and successful.
With the power of LRS and accessible platforms, the door to global investment opportunities is wide open. The time to diversify, grow, and innovate is now. Are you ready to explore the possibilities?
Want to know more about RBI’s Liberalized Remittance Scheme? Watch our YouTube video for a complete visual guide!
Malay Shah is a Founder and a Principal Advisor at CrispIdea (www.crispidea.com/ai-first-wealth). He is a SEBI registered Investment Adviser with more than 24 years of work experience with professional services firms like EY, McKinsey, Alvarez & Marsal bringing in a wealth of knowledge about market trends, economic cycles, and investment strategies.
He is on a mission to democratize wealth for the ambitious professionals in India by bringing the best AI technology combined with powerful capabilities of large fund-houses and financial institutions to retail clients, ensuring capital protection, tax-optimized asset allocation, and market outperformance.
Want to know more about RBI’s Liberalized Remittance Scheme? Watch our YouTube video to learn more!
