Living in the USA? Invest in your dream home in India. Compare top banks, check eligibility in minutes, and get in-principle approval in 72 hours — all from the USA
Dedicated NRI experts who understand the unique challenges of applying for an Indian home loan from the USA.
Our advisors deeply understand USA residency scenarios — H1B, L1, Green Card, OCI — ensuring your application is structured perfectly for Indian banks.
Full guidance on FEMA regulations, NRE/NRO account requirements, and RBI guidelines so you face zero legal complications.
With our pre-verified NRI application process, get a confirmed in-principle sanction letter within 72 hours — without travelling to India.
We assist you in linking your NRE/NRO account for seamless monthly EMI repayment directly from the USA — 100% FEMA compliant.
We guide you through preparing and notarizing a Specific Power of Attorney at the Indian Consulate/Embassy in the USA on your behalf.
One point of contact throughout your journey — from document collection to final disbursement and beyond.
Calculate Your Loan Eligibility Enter your US dollar salary and find out the exact loan amount you can get from top Indian banks — including SBI, HDFC, ICICI, and Axis Bank
WhatsApp or call our USA NRI experts. Share your salary, visa type, and property details. Get eligibility confirmed within 24 hours.
Share documents digitally (Dropbox / WhatsApp / secure portal). No physical paperwork sent to India required.
We apply to the best bank for your NRI profile. Get in-principle approval typically within 72 hours.
Bank's legal team verifies property documents. Our India team coordinates valuations and registry paperwork on your behalf.
Loan amount directly credited to builder or seller. EMI starts from your linked NRE/NRO account. Move into your dream home
Yes. Non-Resident Indians residing anywhere in the USA — whether on an H1B, L1, Green Card, or OCI status — can freely purchase residential and commercial property in India. Under the Foreign Exchange Management Act (FEMA), no special permission from the Reserve Bank of India (RBI) is required for residential or commercial property purchases.
However, NRIs cannot purchase agricultural land, farmhouses, or plantation properties in India.
Funding the purchase through an Indian home loan is fully permitted. Repayment must be made through your NRE or NRO account — transfers directly from your USA bank account (traveller’s cheques or foreign currency cash brought to India) are not permitted for EMI repayment.
Funding the purchase through an Indian bank home loan is also fully permitted. EMIs can be paid via inward remittances from your USA account or from your NRE / NRO account balance maintained in India.
⚠️ Important: NRI home loan EMIs must be repaid only through NRE / NRO / FCNR accounts or via direct inward remittances through banking channels. Cash brought to India cannot be used.
NRI home loan interest rates from major Indian banks currently range between 8.50% and 9.75% per annum for USA-based applicants. Rates are slightly higher than resident Indian rates (typically 0.25% to 0.75% more) due to the cross-border lending risk. Rates depend on several factors:
We currently offer the most competitive rates starting at 8.50% p.a. for USA NRIs — with SBI, HDFC, ICICI, Axis Bank, and Kotak. Our advisors negotiate on your behalf using bulk business relationships with top banks.
Both NRE (Non-Resident External) and NRO (Non-Resident Ordinary) accounts can be used to repay NRI home loans. However, there are important differences:
We help you set up the correct NRE account and configure automatic EMI deductions so you never miss a payment from the USA.
Since you are based in the USA, you will need a Power of Attorney (PoA) to authorise a trusted person in India — a parent, sibling, or spouse — to execute property and loan documents on your behalf. A Specific PoA is preferred over a General PoA, as it limits the representative’s authority only to tasks related to your home loan and property
The PoA must be:
We provide ready-to-use PoA format and templates as part of our process — you just need to get it stamped at the nearest Indian Consulate in the USA.
Yes, absolutely. H1B visa holders are fully eligible for NRI home loans from all major Indian banks. You need a valid H1B visa, a minimum salary of USD 3,500/month, a US credit report, and at least 2 years of total work experience. Banks like ICICI (with offices in New York, California, and Texas), SBI, and HDFC specifically serve H1B NRIs.
No. The entire application, document submission, and in-principle approval process can be completed online from the USA. Final disbursement can also happen through a PoA — you do not need to travel to India.
Tell us about your requirement and a dedicated USA NRI expert will get back to you within 2 business hours. Consultation is 100% free.
