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April 03, 2024
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A Comprehensive Guide for NRIs to Invest in Government Securities through RBI Retail Direct

Investing in government securities has become increasingly accessible for non-resident Indians (NRIs) thanks to the Reserve Bank of India's (RBI) retail direct platform. This platform offers a host of advantages, including zero brokerage fees, commissions, annual maintenance charges, or account opening fees. NRIs can now easily open an RBI retail direct account to invest in a range of government securities, state development loans (SDLs), and treasury bills (T-bills), making the investment process seamless and cost-effective.

The RBI retail direct platform provides NRIs with an opportunity to invest directly in the primary market in instruments such as G-Secs, SDLs, and T-bills. Additionally, NRIs can actively buy and sell these instruments in the secondary markets through their RBI retail direct accounts. Notably, under the Fully Accessible Route (FAR) regulations, there are no investment limits imposed on non-resident Indian retail investors, making it a lucrative avenue for NRIs looking to diversify their investment portfolios.

One of the key advantages for NRIs investing through the RBI retail direct platform is the flexibility it offers in terms of repatriability. NRIs can choose to invest in government securities on both repatriable and non-repatriable bases, depending on their investment preferences and objectives. This flexibility ensures that NRIs can tailor their investment strategies to suit their individual financial goals without any inherent restrictions.

To get started with investing in government securities through the RBI retail direct platform, NRIs need to fulfill certain prerequisites. These include having an Indian mobile number (linked with Aadhaar if not on the central KYC registry), an NRO (non-resident ordinary) savings bank account with UPI/net banking facility, a PAN card, a cancelled cheque of the NRO bank account, and a scanned copy of their signature. The NRO bank account is specifically designed to facilitate financial transactions for NRIs within India, ensuring seamless management of income earned in the country.


The RBI retail direct platform presents NRIs with an excellent opportunity to invest in government securities hassle-free. With no brokerage fees or account opening charges, and the flexibility to invest on both repatriable and non-repatriable bases, NRIs can leverage this platform to diversify their investment portfolios and achieve their financial objectives effectively. Opening an RBI retail direct account is a straightforward process, and with the right documentation in place, NRIs can embark on their investment journey in India with confidence and ease.