NRI Lending Platform

Loans for Indians
living abroad.

NRE/NRO accounts. No POA. Fully digital.
Repay in the currency you earn.

Showing amounts in: 🇮🇳 Indian Rupee (INR)
Loan Calculator

How much can you borrow?

₹50.0L
₹50.0L₹5.0Cr
20 years
10 yrs30 yrs
Based on 8.35% p.a. / 20 years
Your estimated monthly EMI
₹42,918/mo
NRI-Specific Lenders

Compare NRI loan providers

HDFC Bank
NRI Home LoanNRI Personal Loan
✓ No POA Needed
Rate from
8.35% p.a.
Max Loan
₹10 Cr
Approval
7–10 days
Online processing from abroad
POA not required
FCNR collateral accepted
EMI for ₹50.0L over 20y: ₹42,918/mo
Apply for NRI Loan
ICICI Bank
NRI Home LoanNRI Car LoanNRI Personal
✓ No POA Needed
Rate from
8.4% p.a.
Max Loan
₹5 Cr
Approval
5–7 days
eMandate from NRE/NRO account
Instant e-KYC for PIO/OCI
Remittance auto-EMI
EMI for ₹50.0L over 20y: ₹43,075/mo
Apply for NRI Loan
SBI
NRI Home LoanNRI Education
⚠ POA Required
Rate from
8.3% p.a.
Max Loan
₹15 Cr
Approval
10–15 days
Lowest NRI home loan rate
FCNR deposit-backed
PM Awas Yojana eligible
EMI for ₹50.0L over 20y: ₹42,760/mo
Apply for NRI Loan
Axis Bank
NRI PersonalNRI Business
✓ No POA Needed
Rate from
10.49% p.a.
Max Loan
₹40 L
Approval
3–5 days
Salary in INR accepted
100% digital for GCC NRIs
Video KYC
EMI for ₹50.0L over 20y: ₹49,885/mo
Apply for NRI Loan
Bajaj Finserv
NRI Personal LoanNRI Property Loan
✓ No POA Needed
Rate from
11% p.a.
Max Loan
₹45 L
Approval
2–3 days
GCC/US NRI eligible
Flexi EMI from abroad
No POA needed
EMI for ₹50.0L over 20y: ₹51,609/mo
Apply for NRI Loan
What can NRIs borrow for?

Loan purposes

🏠
Home Purchase / Construction
Can own property in India. Cannot in agricultural land.
🔨
Home Renovation / Extension
Existing property owners only.
🚗
Vehicle Loan
For vehicles registered in India.
💳
Personal / Consumer
For travel, medical, education.
🏢
Business Loan
For Indian-registered businesses.
🎓
Education Loan
For studies in India or abroad.

How NRI loans work

Apply from abroad
Submit documents online via email or courier.
e-KYC / Video KYC
OCI/PIO verified via video call or Digio.
NRE/NRO repayment
EMIs auto-deducted from NRE/NRO account.
Fast disbursal
Funds credited to designated India account.
FEMA & RBI Compliance

Loans to NRIs are governed by FEMA 1999 and the RBI Master Direction on NRI Deposits. Repayments must come from NRE/NRO/FCNR accounts or inward remittance in freely convertible foreign currency. Agricultural and plantation land purchases are not permitted under FEMA.

Ready to apply?

Check your NRI eligibility

Answer a few quick questions and get matched with NRI-friendly lenders in under 2 minutes.

Check your NRI eligibility