For many Non-Resident Indians (NRIs) and Overseas Citizens of India (OCIs), a home in Mumbai is about more than property. It can be a base for visits, a home for parents, or a place to return to one day.
Buying from abroad brings a few extra steps. This NRI checklist sets out the key points in plain English. It is general information only – rules can change, so always confirm the current position with your bank, a chartered accountant and a property lawyer before you act.
1. Check that you are eligible
Under India’s foreign exchange rules (FEMA), NRIs and OCIs can generally buy residential property in India. There are restrictions on certain types of property, such as agricultural land, plantation property and farmhouses. A residential apartment in a city like Mumbai falls within what NRIs and OCIs typically buy.
Confirm your status and eligibility with your adviser before you begin.
2. Plan how you will pay
Payments for property in India by NRIs generally need to be made through normal banking channels. In practice, this usually means:
- Funds remitted to India through banking channels, or
- Funds paid from your NRE, NRO or FCNR account in India.
Ask your bank and adviser which route suits you, and keep clear records of every payment. These records can matter later, for example when you sell or want to move funds abroad.
3. Consider a home loan, if needed
Many Indian banks offer home loans to NRIs. Eligibility, documents and terms vary, so speak to banks early if you plan to borrow. Loan repayments are typically made from your NRE or NRO account, or through remittances.
4. Get your documents ready
Common documents for an NRI property purchase include:
- Passport and visa, or OCI card.
- PAN card (generally needed for property transactions in India).
- Proof of overseas address.
- Passport-size photographs.
- Bank account details for your NRE, NRO or FCNR account.
Your lawyer or the seller may ask for more depending on the transaction.
5. Decide whether you need a power of attorney
If you cannot be in India for every step, you can appoint someone you trust – often a family member – through a power of attorney (POA). A POA signed abroad usually needs to be attested at the Indian embassy or consulate, and may need to be adjudicated and registered in India.
Keep the POA specific to the property and the tasks involved. Your property lawyer can draft it.
6. Check RERA registration
Under the RERA Act 2016, residential projects must be registered with the state authority before bookings or sales can take place. In Maharashtra, registered projects are listed on the MahaRERA website, so you can check details from anywhere in the world.
Look for the registration number, the carpet area, the timeline and the developer’s details. Our pre-launch RERA guide explains what to check.
7. Compare homes on carpet area
Under RERA, homes are sold on carpet area. When comparing options from abroad, make sure you are comparing like with like. Our guide to carpet area vs built-up area explains the terms.
8. Understand the full cost and tax position
Ask for a complete cost sheet including all statutory charges, taxes and levies. Tax treatment for NRIs – on rental income, on sale and on repatriation – can differ from residents. A chartered accountant familiar with NRI taxation can explain your position.
9. Plan a visit, or a trusted representative
If possible, visit the site and the neighbourhood during a trip to India. If not, ask a trusted family member to visit on your behalf. Video calls and detailed photographs help, but seeing the location in person is valuable.
10. Think about management
If the home will be empty part of the year, think about who will look after it: maintenance, bills, security and any future letting. A family member or a professional property manager can help.
How this applies to Adani Bandra Reclamation
Adani Bandra Reclamation, by Adani Realty, is a sea-front project planned at Bandra Bay in Bandra West, beside the Bandra-Worli Sea Link. It lists connectivity to Mumbai International Airport, BKC and South Mumbai – practical for anyone travelling in and out of the city.
The project offers 3 BHK sea-facing residences from Rs 29 Cr* onwards, 4 BHK Sea Suites (two per floor) and 5 BHK Sea Mansions (one per floor), with two private lifts serving every residence. Read our complete pre-launch guide for more.
The project is pending registration under RERA. As per Section 3 of the RERA Act 2016, no bookings, sale agreements or allotments shall be made until registration is granted. From abroad, you can still ask for the brochure, floor plans and price sheet, and arrange a priority site visit for your next trip.
Related guides
- 12 questions to ask before buying an ultra-luxury home in Mumbai
- Living at Bandra Bay
- Bandra West and BKC
- Adani Bandra Reclamation for NRIs: how to enquire, pay and buy from abroad
Frequently asked questions
Can NRIs buy a flat in Mumbai?
Under India’s foreign exchange rules, NRIs and OCIs can generally buy residential property in India. Confirm your eligibility with an adviser before buying.
How should an NRI pay for a property in India?
Payments generally need to go through normal banking channels – remittances to India or payments from your NRE, NRO or FCNR account. Ask your bank which route suits you.
Do I need to be in India to buy?
Not always. Many NRIs appoint a trusted person through a power of attorney. A property lawyer can draft and guide you on attestation and registration.
How can I check a project’s RERA registration from abroad?
Registered projects in Maharashtra are listed on the MahaRERA website, which you can access from anywhere.
Can I enquire about Adani Bandra Reclamation from outside India?
Yes. You can message us on WhatsApp, call or send an enquiry for the brochure, floor plans and price sheet.
Get the brochure, floor plans and price details
For the Adani Bandra Reclamation brochure, floor plans and the current price position, message us on WhatsApp, call +91 80503 63647 or send an enquiry. Zero brokerage and a priority site visit are available on request.
RERA notice: Adani Bandra Reclamation is pending registration under RERA – as per Section 3 of the RERA Act 2016, no bookings, sale agreements or allotments shall be made until registration is granted, and the information here is for awareness only.
*Indicative, as per developer-authorised listings (September 2026), approximate, exclusive of statutory charges, and subject to change. Areas, layouts and pricing do not constitute an offer and will be confirmed on RERA registration. Images: artist’s impressions, indicative only.
This is a marketing page and is not the official Adani Realty website. The project is developed by Adani Realty; all trademarks and project names belong to their respective owners and are used here solely to identify the project represented.
