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NRI Full Form
It is important to understand these aspects, the NRI definition and the NRI meaning to distinguish their residential status in India. Knowing the real meaning and conditions will help them find the tax implications, financial benefits, and other related aspects to lead a peaceful life.
NRI Full Form
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It is important to understand these aspects, the NRI definition and the NRI meaning to distinguish their residential status in India. Knowing the real meaning and conditions will help them find the tax implications, financial benefits, and other related aspects to lead a peaceful life.
While having a significant place on the global stage, the NRIs, intrepid individuals defying borders, maintain a resolute connection with their Indian roots. They navigate through the complexities of banking, taxation, investments, and lifestyle changes to nurture their desires.
But what is an NRI? What is the NRI full form? Who is classified as NRIs?
So, here is a basic and comprehensive guide to the NRI definition, NRI meaning, and a few other aspects related to their residential status.
What Is the Full Form Of NRI?
The NRI full form is Non-Resident Indian. It is a classification of Indian citizens based on their residential status. It is an essential classification for it governs the tax liability for their income.
NRIs reside outside India for an extended period of time for employment, business, profession, or any other purpose. It is also applicable to Indian seafarers working as crew members on a ship and students who study abroad in foreign universities. The NRI status is provided to the individuals based on the number of days they reside outside India in the concerned financial year, regardless of their Indian citizenship.
Having discussed the NRI full form, let us get started to understand the NRI definition and meaning.
Table of Content
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Who Is a Non-Resident Indian? -
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Can NRIs Purchase Life Insurance Plans in India? -
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Categories Of NRI -
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Reasons For Becoming An NRI -
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Importance Of NRI Classification -
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Important Guidelines for NRIs
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Different Types of Bank Accounts Applicable to NRIs -
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Advantages And Disadvantages of Being An NRI -
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Taxable Income for NRIs In India -
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Investment Options for NRIs In India -
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Frequently Asked Questions (FAQs) About NRI Full Form
Who Is A Non-Resident Indian?
The NRI definition can be stated based on Income Tax Act 1961 and the Foreign Exchange Management Act (FEMA). The first is primarily for deciding the income tax implications, and the latter is for investments, bank accounts, and financial transactions.
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Eligibility Criteria
According to Income Tax Act 1961
According to Section 6 of the Income Tax Act, 1961, an individual will be referred to as a Resident Indian if they stay in India for a duration of:
182 days or more in the previous year or
60 days or more in the previous year and 365 days or more in the 4 years immediately preceding the considered previous year.
If the individual does not satisfy the conditions listed above for the previous year, they will be referred to as a Non-Resident Indian. For an Indian citizen, a crew member of a ship, and a Person of Indian Origin (PIO) visiting India, the duration of 60 days, as mentioned above, will be substituted as 182 days.
According to Foreign Exchange Management Act (FEMA)
According to Foreign Exchange Management Act (FEMA), the NRI definition is an individual who is an Indian citizen or Persons of Indian Origin (PIO) residing abroad for the purpose of employment, business, or any other purpose for an uncertain period of time. In addition, according to FEMA, as against 182 days as per the Income Tax Act, the consideration is 183 days.
Citizenship
NRIs should be a citizen of India under the Indian Citizenship Act of 1955 based on Citizenship by Birth, Citizenship by Descent, or Citizenship by Registration.
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How Are NRIs Different from OCIs and PIOs?
Overseas Citizens of India (OCI) - An Overseas Citizen of India (OCI) is a foreign citizen of Indian origin. They are authorized to live or work in India for an indefinite period.
Persons Of Indian Origin (PIO) - Persons of Indian Origin (PIO) are individuals who either have Indian citizenship or have ancestral ties to India. PIOs include individuals residing in foreign countries with Indian citizenship and who have an Indian parent or Indian grandparents.
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Other Special Considerations
Here are a few special considerations that relate to the NRI meaning.
Resident But Not-Ordinary Residents
In addition, according to an amendment introduced in the Finance Act 2020, with effect from the Assessment Year 2021-22, an Indian citizen and Person of Indian Origin who visit India shall be considered a Resident, but Not-Ordinary Resident based on the following conditions:
The total income, other than the income from sources abroad, is more than ₹15 lakhs for the previous year.
The individual has stayed in India for 120 days or more but less than 182 days in the previous year.
The individual has stayed in India for 365 days or more in the 4 years immediately preceding the considered previous year.
Deemed Residency Status
The Finance Act 2020 introduced a new Section 6(1A) applicable from the Assessment Year 2021-22.
According to this new Section, an Indian citizen earning more than ₹15 lakhs from Indian sources for the previous year shall be deemed to be a Resident Indian if they are not liable for paying income tax in any other country.
Can NRIs and OCI/PIO Purchase Life Insurance Plans in India?
NRIs can purchase life insurance plans in India to protect their families. The life cover will provide the benefit irrespective of their death anywhere in the world. While In India: Life insurance policy can be purchased in India easily through quick, digital process. When outside India: NRI can purchase the life insurance policy online from their current place of residence subject to our Board approved underwriting policy.
Features
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01
Financial security
Life insurance can help secure their family in the event of their unexpected demise during the policy term. It can help their family in India to reduce the financial burden in their absence. -
02
Issuance in foreign currency or Indian rupees
Life insurance plans can be issued in foreign currency or Indian rupees. If the policy is issued in Indian rupees, the premiums can be paid using their NRO account. On the other hand, if the policy is issued in foreign currency, the premiums can be paid using that currency using their NRE or FCNR accounts. However, life insurance companies offering policies in a foreign currency is a rare scenario. -
03
Add-on riders
Life insurance plans offer add-on rider** benefits, such as the rider for critical illness, terminal illness, etc., for additional financial support to manage financial difficulties during the policy term. -
04
Affordable premium
Life insurance premiums are affordable for the long term. However, it can increase if the country of residence is prone to high risks for reasons such as civil or military issues, violent attacks, etc.
Benefits
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01
Flexibility
NRI & OCI/PIO policyholders can benefit from flexible premium payments such as limited premium payment, regular premium payment, etc., and payout options such as lump sum, regular income, or a combination of both. -
02
Availability of different options
NRIs & OCI/PIO can purchase different types of life insurance plans, such as term plans, savings insurance plans, unit-linked insurance plans, etc. Savings insurance plans provide a life cover and guaranteed returns as the maturity benefit. And the ULIP plans provide a life cover and market-linked returns as the maturity benefit.
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03
Can be purchased from anywhere
While being present in India is not mandatory for purchasing a life insurance plan in India, it is best advised to be available to avoid additional costs. -
04
Online process
NRIs& OCI/PIO can undergo the necessary medical examinations in their country of residence, upload the documents and purchase the life insurance plan online.
At Tata AIA, we offer wide-ranging life insurance plans for NRIs & OCI/PIO to secure their family, accomplish their future financial objectives, and plan for retirement. They can customize the life insurance plan based on their flow of income and financial needs.
Select appropriate category to view plans
Term Insurance Plan: A term insurance plan is a protection plan, that gives you financial protection against uncertainties of life. In case of unfortunate death of the life assured, the nominee will receive a lumpsum amount to secure their future. Get a free quote and take a step towards protecting your loved ones.
Tata AIA
Sampoorna Raksha Supreme
A Non-Linked Non-Participating Individual Life Insurance Plan
(UIN:110N160V03)
Guaranteed Return Plans (Savings Plans): A savings plan will provide your guaranteed* returns on your investment. You can fulfil your life goals by creating a corpus ensuring peace of mind and secure a financially stable future.
Tata AIA
Fortune Guarantee Plus
Non-Linked, Non-Participating, Individual Life Insurance Savings Plan
(UIN: 110N158V10) *T&C apply
Wealth Creation Plans (ULIPs): With Tata AIA Life Insurance plans, your humble investments today can grow considerably larger with time. This allows you to create a corpus for your family to rely on in the future.
IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER
Tata AIA
Fortune Pro
Unit Linked Individual Life Insurance Savings Plan
(UIN: 110L112V04)
Retirement plans: Provides the advantage of disciplined saving and investing, ensuring a sufficient corpus to maintain a comfortable lifestyle after retirement.
Tata AIA
Fortune Guarantee Pension
A Non-Linked, Non-Participating, Annuity Plan
(UIN:110N161V07) | @T&C apply
Categories Of NRI
Indian citizens who stay abroad for employment, education, business, profession, vacation, or other purposes.
Indian civilians working abroad in institutions such as the World Bank, World Health Organization (WHO), United Nations Organizations (UNO), International Monetary Fund (IMF), etc.
Representatives from the Central and State Governments living abroad.
Public Sector employees working abroad.
Reasons For Becoming An NRI
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Employment opportunities
Individuals in India desiring varied job opportunities, higher salaries, and better job prospects tend to seek foreign destinations.
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Education
Students prefer foreign universities for better exposure and access to some of the renowned universities worldwide.
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Family and lifestyle
Some individuals desire to experience a different lifestyle and improved quality of life living abroad and relocate for longer.
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Business prospects
As emerging markets worldwide offer a range of opportunities for growth, business prospects are one common reason for becoming an NRI.
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Importance Of NRI Classification
NRI classification based on the NRI definition is necessary for the following reasons:
Tax liability
The classification of the NRI status is important for determining the tax liability and the applicable tax deductions and exemptions.
Financial transparency
Distinguishing NRIs will help monitor remittances, investments, and financial transactions. It will ensure transparency and compliance with the regulations.
Double taxation avoidance
Considering scenarios where an individual becomes liable for paying income tax in India and their country of residence, the Double Taxation Avoidance Agreement (DTAA) was signed to provide the tax exemption or the tax credit benefit. The NRI classification is important to help individuals access these applicable benefits.
Life insurance contracts
The life insurance claim settlements will have specific considerations in the process for NRIs and for their families in India Therefore, the NRI classification will help in processing their requests and making the claim settlements timely.
Voting rights
Although by preference or compulsion, if an individual resides outside India, they will hold Indian citizenship and might want to participate in the Indian elections. The classification of NRI helps in exercising their voting rights by registering as overseas voters and following the applicable processes.
Consular support
The classification of NRIs will help streamline and prioritize consular support for services such as passport renewal, visa application processes, etc.
Education opportunities
The Indian education system provides specific reservations for NRIs and their children.
Important Guidelines for NRIs
After acquiring the NRI status based on the NRI definition, they must keep in mind the following guidelines.
NRIs should ensure to convert their regular savings account to NRO accounts.
NRIs are not allowed to open a regular savings account in India. However, they can hold it jointly with a resident and operate it through the resident power of attorney in the country of their residence. Therefore, NRIs must assign power of attorney to the country of their residence to operate their accounts.
Financial institutions such as banks, stockbrokers, etc., and life insurance companies must get the KYC for every customer. Therefore, if individuals obtain the status of an NRI, they have to furnish their updated KYC to the corresponding financial institutions.
NRIs need to convert their fixed deposits into NRO deposits.
NRIs will have to convert their debit cards and credit cards to the applicable international cards to make payments and fund transfers from one country to another.
Advantages And Disadvantages of Being An NRI
Advantages |
Disadvantages |
NRIs generally prefer moving to developed nations and hence are safer to reside with a better lifestyle. |
NRIs cannot avail of the benefits applicable to Resident Indians. |
Income tax liability is based on the income earned and accrued in India for an NRI, and the income earned outside India is not taxable. |
Income from salary for the services rendered in India and other income earned in India is taxable. |
NRIs can avail of tax exemptions on the sale of house property present in India. In addition, they can avail of tax deductions under Section 80C, Section 80E, and Section 80D, etc., subject to the provisions stated in the Income Tax Act 1961. |
The NRIs are not allowed to purchase agricultural land in India. In addition, NRIs cannot open a PPF account and, however, can continue to invest if it was opened when they were resident Indians. Furthermore, they cannot invest in the 5-year Post Office Deposit Scheme, National Savings Scheme, and the Senior Citizen Savings Scheme. |
NRIs are allowed to purchase life insurance plans and health insurance plans in India. They can also invest in ELSS, bonds, and financial securities, etc. |
TDS is applicable to rental income, long-term capital gains, etc. |
NRIs can vote in Indian elections. |
NRIs will generally have Indian citizenship, and acquiring the citizenship of their country of residence, if applicable, is a complicated and lengthy process. |
NRIs have extensive options for opening overseas accounts. They can open NRE, NRO, and FCNR accounts in India. In addition, interest earned on the NRE and FCNR accounts is tax-exempt. |
Interest earned on the NRO account is taxable. |
The Indian Government has established an education system that provides special reservations for NRIs and their children. |
The income tax rate applicable in the country of their residence might be higher than in India. |
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Investment Options for NRIs In India
NRIs can invest in varied platforms in India for capital appreciation.
Equity
NRIs can directly invest in the Indian stock market. They can purchase shares of public or private sector companies in India, securities of the Central Government, etc.
Unit Linked Insurance Plan
NRIs can purchase the ULIP plan to secure their family with a life cover and for capital appreciation based on investment in financial securities for market-linked maturity returns.
Mutual Funds
NRIs can invest in mutual funds if they adhere to the rules and regulations stated in FEMA.
Fixed Deposits
NRIs can open NRE Fixed Deposit to deposit their foreign income converted to Indian rupees, NRO Fixed Deposit to deposit income earned in India, and the FCNR Fixed Deposit to deposit funds in foreign currencies.
National Pension Scheme
NRIs can invest in the National Pension Scheme, a retirement savings scheme introduced by The Government of India.
Bonds and Non-Convertible Debentures
NRIs can invest in Public Sector Bonds, Perpetual Bonds, Non-Convertible Debentures, and Government Bonds.
Public Provident Fund
NRIs cannot open a PPF account in India. However, they can continue to operate their PPF account that they had opened when they were resident Indians.
Frequently Asked Questions (FAQs) About NRI Full Form
What is the NRI full form?
The NRI full form is Non-Resident Indian.
Who is referred to as an NRI in India?
According to Section 6 of the Income Tax Act, 1961, an individual will be referred to as a Resident in India if they stay in India for a duration of:
182 days or more in the previous year, or
60 days or more in the previous year and 365 days or more in the 4 years immediately preceding the considered previous year.
If the individual does not satisfy the conditions listed above for the previous year, they will be referred to as a Non-Resident Indian.
Is an NRI also an Indian citizen?
Non-Resident Indians, although they reside outside India, they have Indian citizenship. Therefore, they are also Indian citizens.
How are NRIs different from resident Indians?
According to Section 6 of the Income Tax Act, 1961, an individual will be referred to as a Resident Indian if they stay in India for a duration of:
182 days or more in the previous year, or
60 days or more in the previous year and 365 days or more in the 4 years immediately preceding the considered previous year.
If the individual does not satisfy the conditions listed above for the previous year, they will be referred to as a Non-Resident Indian.
Furthermore, for NRIs, the banking and investment options will be restricted as compared to resident Indians. For example, the NRI cannot open a resident bank account in India, they can invest in residential or commercial properties but not purchase agricultural land in India.
Can NRIs have dual citizenship?
NRI’s are Indian citizens but OCI/PIO are foreign nationals with Indian origin they can participate in any activity in India like a resident Indian however they cannot cast vote of buy Agricultural lands, The Government of India does not allow for holding Indian citizenship and also acquiring citizenship of a foreign country simultaneously.
Can an NRI & OCI/PIO open a resident bank account in India?
NRIs & OCI/PIO are not allowed to open a resident bank account in India. Resident Indians, when they acquire the status of an NRI, they have to convert their savings to the Non-Resident Ordinary (NRO) or Non-Resident External (NRE), as suitable and applicable.
Do NRIs have to pay income tax in India?
NRIs are liable to pay income tax in India based on the type of their earnings. Also, the income will be taxed based on their residential status for the financial year.
If the individual is an NRI, the income earned or accrued in India will be taxable, and the income earned outside India will not be taxable in India.
Income that is earned or accrued can be from the following categories:
Salary from India and for services rendered in India.
Business or profession set up or controlled in India.
House property in India
Interest income earned on NRO accounts.
Capital gains based on the transfer of assets in India.
Which is a beneficial bank account for the NRIs & OCI/PIO?
NRIs & OCI/PIO can open NRE, NRO, or FCNR bank accounts in India. The beneficial account among these is based on the requirements.
NRIs & OCI/PIO can open a Non-Resident External (NRE) account in India to deposit their income earned outside India. The fund deposited and the interest earned are fully repatriable, and the interest earned is tax-exempt. It is suitable for NRIs planning to invest their foreign earnings to handle their financial liabilities in India.
NRIs & OCI/PIO can open a Non-Resident Ordinary (NRO) account in India to deposit the income earned in India. The funds deposited to the NRO account are fully repatriable to their country of residence based on the applicable limits. However, the interest earned is taxable at the rate of 30%.
NRIs & OCI/PIO can open the Foreign Currency Non-Resident (FCNR) account in India to deposit their earnings made in a foreign currency. The funds deposited and the interest earned in the FCNR account are fully repatriable, and the interest earned is tax-exempt.
Are Indian students studying abroad called NRIs?
Indian students studying abroad are called NRIs as they reside outside India for an extended period of time.
Although their stay abroad is limited based on a student visa, their residential status changes in India to NRI if they stay in India for 182 days or less in the previous year, or 60 days or less in the previous year and 365 days or less in the 4 years immediately preceding the considered previous year.
What are the benefits of being an NRI?
The benefits of being an NRI are:
The income earned outside India for an NRI is not taxable.
NRIs can avail of tax deductions under Section 80C, Section 80E, and Section 80D, etc., subject to the Income Tax Act 1961 provisions. In addition, they can avail of tax exemptions on the sale of house property present in India.
NRIs can invest in equity, mutual funds, National Pension Scheme, financial securities, bonds, etc. Furthermore, they can purchase life insurance plans and health insurance plans in India.
NRIs can vote in Indian elections.
NRIs can open Non-Resident External (NRE), Non-Resident Ordinary (NRO), and Foreign Currency Non-Resident (FCNR) accounts in India. The interest earned on the NRE and FCNR accounts is tax-exempt.
The Indian Government has established an education system that provides special reservations for NRIs and their children.
Disclaimer
The complete name of Tata AIA Sampoorna Raksha Supreme is Tata AIA Life Insurance Sampoorna Raksha Supreme (UIN:110N160V03) - A Non-Linked Non-Participating Individual Life Insurance Plan.
The complete name of Tata AIA Fortune Pro is Tata AIA Life Insurance Fortune Pro (UIN: 110L112V04) - Unit Linked Individual Life Insurance Savings Plan.
The complete name of Tata AIA Fortune Guarantee Plus is Tata AIA Life Insurance Fortune Guarantee Plus (UIN: 110N158V10) - Non-Linked, Non-Participating, Individual Life Insurance Savings Plan.
The complete name of Tata AIA Fortune Guarantee Pension is Tata AIA Life Insurance Fortune Guarantee Pension (UIN:110N161V07) - A Non-Linked Non-Participating Individual Life Insurance Plan
^Applicable for specific plan options. Please refer brochure for additional details.
~Under Life Plus Option, an amount equal to the 105% of the Total Premiums Paid (excluding loading for modal premiums) shall be payable at the end of the Policy Term, provided the life assured survives till maturity and the policy is not terminated earlier.
#Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment of conditions stipulated therein. Income Tax laws are subject to change from time to time. Tata AIA Life Insurance Company Ltd. does not assume responsibility on tax implication mentioned anywhere in this document. Please consult your own tax consultant to know the tax benefits available to you.
*“Guaranteed Annual Income” shall be a fixed percentage of the Annualised Premium / Single Premium (excluding discount) payable in a year. Guaranteed Annual Income as per the chosen Income Frequency shall commence after maturity till the end of the Income Period, irrespective of survival of the life insured(s) during the Income Period.
%Return of Premium shall be the return of Total Premiums Paid (excluding loading for modal premiums, discount, any extra premium, rider premium and taxes) by the policyholder and shall be payable at the end of the Income Period irrespective of survival of the life insured(s) during the Income Period.
+Tax benefits of up to ₹46,800 u/s 80C is calculated at highest tax slab rate of 31.20% (including cess excluding surcharge) on life insurance premium paid of ₹1,50,000. Tax benefits under the policy are subject to conditions laid under Section 80C, 80D,10(10D), 115BAC and other applicable provisions of the Income Tax Act,1961. Good and Service tax and Cess, if any will be charged extra as per prevailing rates. The Tax Free income is subject to conditions specified under section 10(10D) and other applicable provisions of the Income Tax Act,1961. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for details, before acting on above.
$All funds open for new business which have completed 5 years since inception are rated 4 or 5 stars by Morningstar on a 5 year basis as of Mar’2023
@The word Guaranteed and Guarantee means the annuity payout is fixed at inception of the policy and will be payable for whole of life or till death of the Annuitant(s).
**Riders are not mandatory and are available for a nominal extra cost. For more details on benefits, premiums and exclusions under the Rider, please contact Tata AIA Life's Insurance Advisor/Intermediary/ branch.
Tata AIA Life Insurance Company underwrite this product Ltd.
The plan is not a guaranteed issuance plan, and it will be subject to company’s underwriting and acceptance.
Insurance cover is available under this product.
For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale. The precise terms and condition of this plan are specified in the Policy Contract.
Buying a Life Insurance Policy is a long-term commitment. An early termination of the Policy usually involves high costs, and the Surrender Value payable may be less than the all the Premiums Paid.
In case of non-standard lives and on submission of non-standard age proof, extra premiums will be charged as per our underwriting guidelines.
Risk cover commences along with policy commencement for all lives, including minor lives.
Policies sourced through PoS Channel will not have any medical examination. This plan is not a guaranteed issuance plan, and it will be subject to Company’s underwriting and acceptance.
All Premiums and interest payable under the policy are exclusive of the taxes, rider premiums, underwriting extra premiums, loading for modal premiums, if any which will be entirely borne/ paid by the Policyholder, in addition to the payment of such Premium or interest. Tata AIA Life shall have the right to claim, deduct, adjust, and recover the amount of any applicable tax or imposition, levied by any statutory or administrative body, from the benefits payable under the Policy.
Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policy holder will not be able to surrender/ withdraw the monies invested in Linked Insurance Products completely or partially till the end of the fifth year.
Tata AIA Life Insurance Company Limited is only the name of the Insurance Company & Tata AIA Life Insurance Fortune Pro is only the name of the Unit Linked Life Insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns.
The fund is managed by Tata AIA Life Insurance Company Ltd.
For more details on risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale. The precise terms and condition of this plan are specified in the Policy Contract.
Past performance is not indicative of future performance. Returns are calculated on an absolute basis for a period of less than (or equal to) a year, with reinvestment of dividends (if any).
All investments made by the Company are subject to market risks. The Company does not guarantee any assured returns. The investment income and price may go down as well as up depending on several factors influencing the market.
Please make your own independent decision after consulting your financial or other professional advisor.
Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. Please know the associated risks and the applicable charges, from your Insurance Agent or Intermediary or Policy Document issued by the Insurance Company.
Various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. The underlying Fund's NAV will be affected by interest rates and the performance of the underlying stocks.
The performance of the managed portfolios and funds is not guaranteed, and the value may increase or decrease in accordance with the future experience of the managed portfolios and funds.
Premium paid in the Unit Linked Life Insurance Policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the Insured is responsible for his/her decisions.
Please know the associated risks and the applicable charges, from your insurance agent or the Intermediary or policy document issued by the Insurance Company.
Insurance cover is available under the product.
The products are underwritten by Tata AIA Life Insurance Company Ltd.
The plans are not a guaranteed issuance plan, and it will be subject to Company’s underwriting and acceptance.
For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.
L&C/Advt/2023/Aug/2441
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