Living in Singapore on an Employment Pass (EP), Tech.Pass, EntrePass, or Permanent Residency? Invest in your dream home in India. Compare top banks, check eligibility in minutes, and get in-principle approval in 72 hours — all from Singapore.
Dedicated NRI experts who understand the unique challenges of applying for an Indian home loan from Singapore.
Our advisors understand all major Singapore residency profiles—EP, S Pass, Tech.Pass, EntrePass, PEP, PR, and LTVP+—ensuring your loan application is correctly structured for Indian banks, whether you're in CBD, One-North, Jurong, or Changi.
Full guidance on FEMA regulations, NRE/NRO account requirements, and RBI guidelines — so you face zero legal complications from Singapore.
With our pre-verified NRI application process, get a confirmed in-principle sanction letter within 72 hours — without travelling to India.
We help you link your NRE/NRO account for seamless monthly EMI repayment directly from Singapore — 100% FEMA compliant.
We guide you through notarizing your Specific Power of Attorney at the High Commission of India in Singapore.
One point of contact throughout your entire journey — from document collection to final loan disbursement.
Enter your UAE salary and let us tell you the maximum loan amount you qualify for, across SBI, HDFC, ICICI, and other partner banks.
WhatsApp or call our Singapore NRI experts. Share your SGD salary, pass type, and India property requirement. Get eligibility confirmed within 24 hours.
Share all documents digitally via WhatsApp or secure portal. No physical paperwork needs to be sent to India.
We apply to the most suitable Indian bank for your SGD income and NRI profile. Get in-principle approval typically within 72 hours.
Bank's legal panel verifies property documents in India. Our team coordinates property valuation and registry paperwork on your behalf.
Loan directly credited to builder or seller. EMI starts from your NRE/NRO account. Move into your dream home.
Yes. Non-Resident Indians residing in Singapore — whether on an Employment Pass (EP), Tech.Pass, EntrePass, S Pass, Singapore Permanent Residency, or Singapore Citizenship of Indian origin — can freely purchase residential and commercial property in India under FEMA. No special RBI permission is required.
NRIs cannot purchase agricultural land, farmhouses, or plantation properties in India.
ICICI Bank explicitly lists Singapore as a mandatory overseas credit report country for NRI home loan applicants — the report must not be older than 45 days. SBI, HDFC, Axis Bank, and Kotak Mahindra Bank also extensively service Singapore-based NRIs, given Singapore’s large Indian professional community.
⚠️ FEMA Rule: All NRI home loan EMI repayments must be routed through NRE / NRO / FCNR accounts or via direct inward remittances through banking channels only.
Singapore’s Employment Pass (EP) is regulated by the Ministry of Manpower (MOM). The minimum salary for a Singapore Employment Pass (EP) in 2026 starts from SGD 5,600 per month for general sectors, with higher thresholds for older and more experienced candidates — up to SGD 10,700 at age 45 and above. For the financial services sector, the EP minimum qualifying salary is SGD 6,200 per month.
Key Singapore work passes for Indian professionals:
For Indian banks, EP holders — especially at MNCs, banks, tech firms, and Indian IT companies in Singapore — are strongly preferred NRI profiles.
Indian banks convert your Singapore Dollar gross salary to INR at the prevailing RBI rate (approx. 1 SGD = ₹61 in 2026):
Banks finance 75–85% of property value.
Singapore’s Notice of Assessment (NOA) from IRAS (Inland Revenue Authority of Singapore) is the official annual income tax assessment — equivalent to India’s Form 16 or the US W-2. Indian banks use the last 2 years’ IRAS NOA as primary income verification for Singapore-based NRI applicants. It is one of the most important documents in your Singapore NRI home loan file.
Your Specific PoA must be:
We provide ready-to-use Specific PoA formats and step-by-step guidance.
Singapore NRIs filing income tax returns in India can claim:
Note: India and Singapore have a Double Taxation Avoidance Agreement (DTAA). Consult a tax advisor for personalised cross-border tax guidance.
Yes. EP holders are among the most preferred NRI profiles for Indian home loans. Singapore is explicitly listed by ICICI Bank, SBI, HDFC, Axis Bank, and Kotak Mahindra Bank as an eligible country. You need a valid EP, minimum SGD 5,600/month salary, IRAS NOA for 2 years, and a CBS credit report.
Yes. ICICI Bank requires an overseas credit report not older than 45 days for Singapore-based NRIs. The Credit Bureau Singapore (CBS) report is the accepted document. We guide you on obtaining it quickly.
Tell us about your requirement and a dedicated Singapore NRI loan expert will call you within 2 business hours. Consultation is 100% free.
