We act as
your eyes. your advisor.
Invest in India's finest properties.
TOI Homes is where discerning NRIs invest in India. Without the risk, the runaround, and the uncertainty.
TOI Homes is part of The Times of India Group.
One of the world's most recognised and trusted institutions, backed by 180 years of journalistic independence and trust.
From the first conversation to the day you receive your keys.
A seamless end-to-end experience designed for you.
You're 6,000 miles away. We make sure it does not matter.
Our process is designed specifically for NRIs, where every step has a clear timeline, and nothing falls through the cracks.
01STEP 01
We Listen First
A dedicated NRI advisor connects with you -- across your time zone -- to understand your goals, budget, timeline, and concerns. No sales pitch. No pressure.
You don't need to decode the Indian real estate market. We already have.
Behind every recommendation is a dedicated research team that tracks market trends, micro market growth, and developer performance, and distils it into clear, actionable reports.
- Gurugram · Golf Course Ext.
- Noida · Sector 150
- Gurugram · Dwarka Expressway
Curated opportunities
Access homes selected for quality, location, and long-term value.
24/7
Investment concierge
Arjun · Dubai
Is Golf Course Extension still a good entry today?
Priya · San Jose
Which builders pass your diligence in Noida?
Tracking India's key metros
Across demand, pricing, and future supply in 10+ cities.
96%
On-time deliveryvs. 72% market average
- Projects delivered
- 40+
- Years active
- 18
- Litigation history
- 0%
Evaluating developer performance
We screen every builder for delivery track record, financial strength, and market credibility before any recommendation.
Our Best Curations, Exclusively Yours.
Handpicked from India's most trusted builders. Each assessed for developer credibility, location fundamentals, and NRI investment suitability.
Cocoa County
Sector 88A, Village Harsaru, Gurugram, Gurugram · Ultra-Luxury Residences
₹4.14 Cr – ₹7.47 Cr
View project →
Godrej Verano
Sector 63A, Golf Course Extension Road, Gurugram · Ultra-luxury Miami Bay Living
₹5.91 Cr – ₹10.72 Cr
View project →
Assetz Mizu and Ki
Hennur Extension, Bengaluru · Luxury Pre-launch
₹4.2 Cr – ₹4.6 Cr
View project →
The Terraces at Max Estate 361
Sector 36A, Gurugram · Premium Location
₹2.57 Cr – ₹4.1 Cr
View project →
Prestige Evergreen
Varthur, Whitefield, East Bengaluru, Bengaluru · Premium Residences
₹1.8 Cr – ₹3.47 Cr
View project →
Assetz Niwa and Neo
Bagalur, Aerospace Park, North Bengaluru, Bengaluru · Elevated Living
₹1.49 Cr – ₹1.83 Cr
View project →Cocoa County
Sector 88A, Village Harsaru, Gurugram, Gurugram · Ultra-Luxury Residences
₹4.14 Cr – ₹7.47 Cr
View project →Godrej Verano
Sector 63A, Golf Course Extension Road, Gurugram · Ultra-luxury Miami Bay Living
₹5.91 Cr – ₹10.72 Cr
View project →Assetz Mizu and Ki
Hennur Extension, Bengaluru · Luxury Pre-launch
₹4.2 Cr – ₹4.6 Cr
View project →The Terraces at Max Estate 361
Sector 36A, Gurugram · Premium Location
₹2.57 Cr – ₹4.1 Cr
View project →Prestige Evergreen
Varthur, Whitefield, East Bengaluru, Bengaluru · Premium Residences
₹1.8 Cr – ₹3.47 Cr
View project →Assetz Niwa and Neo
Bagalur, Aerospace Park, North Bengaluru, Bengaluru · Elevated Living
₹1.49 Cr – ₹1.83 Cr
View project →Cocoa County
Sector 88A, Village Harsaru, Gurugram, Gurugram · Ultra-Luxury Residences
₹4.14 Cr – ₹7.47 Cr
View project →Godrej Verano
Sector 63A, Golf Course Extension Road, Gurugram · Ultra-luxury Miami Bay Living
₹5.91 Cr – ₹10.72 Cr
View project →Assetz Mizu and Ki
Hennur Extension, Bengaluru · Luxury Pre-launch
₹4.2 Cr – ₹4.6 Cr
View project →The Terraces at Max Estate 361
Sector 36A, Gurugram · Premium Location
₹2.57 Cr – ₹4.1 Cr
View project →Prestige Evergreen
Varthur, Whitefield, East Bengaluru, Bengaluru · Premium Residences
₹1.8 Cr – ₹3.47 Cr
View project →Assetz Niwa and Neo
Bagalur, Aerospace Park, North Bengaluru, Bengaluru · Elevated Living
₹1.49 Cr – ₹1.83 Cr
View project →Redefining your property buying experience.
Backed by nearly two centuries of credibility, our approach to real estate is shaped by insight, credibility, and access. Bringing together discerning buyers and landmark developments, shaping how modern India invests in real estate.
- MARKETS
10+
KEY MARKETS
India's leading cities
- BUILDERS
50+
CURATED BUILDERS
India's finest developers
- AUDIENCE
400M+
MONTHLY AUDIENCE
High-intent users
- REACH
7/10
INTERNET USERS
Across India
From the group
Select partners
Need more clarity?
Questions buyers ask most often.
FAQ · 3 QUESTIONS
Definitions
- A Non-Resident Indian (NRI) is an Indian citizen residing outside India for employment, business, profession, or any purpose indicating an intention to stay abroad for an uncertain duration.
- Non-resident foreign citizens of Indian origin are generally treated at par with NRIs.
A Person of Indian Origin (PIO) is a person (excluding citizens of Pakistan, Bangladesh, Sri Lanka, Afghanistan, China, Iran, Nepal, or Bhutan) who:
- Held an Indian passport at any time, or
- Whose father or grandfather was a citizen of India under the Constitution of India or the Citizenship Act, 1955.
An Overseas Citizen of India (OCI) is a person who:
- Is a citizen of another country but was a citizen of India at any time after the commencement of the Constitution, or
- Was eligible to become a citizen of India at the commencement of the Constitution, or
- Belongs to a territory that became part of India after 15 August 1947, or
- Is a child or minor child of such a person.
FAQ · 1 QUESTIONS
Documents Required
- PAN Card
- Passport (for NRIs)
- OCI / PIO Card (if applicable)
- Passport-size photographs
- Address proof
FAQ · 2 QUESTIONS
Property Purchase Rules
The following can purchase residential and commercial property in India under RBI general permission:
- Non-Resident Indians (NRIs)
- Persons of Indian Origin (PIOs)
- Overseas Citizens of India (OCIs)
- Agricultural land, plantation property, and farmhouses are excluded from general permission.
- No. General RBI permission is not available for acquiring agricultural land, plantation property, or farmhouse in India.
- Such acquisitions require specific approval from the Reserve Bank of India in consultation with the Government of India.
FAQ · 3 QUESTIONS
Taxation on Property Income & Sale
Yes. While purchasing property does not attract income tax, income generated from the property is taxable.
Taxable income includes:
- Rental income
- Annual value of house property
- Capital gains arising from sale of property
- Yes, if they earn rental income or capital gains from property in India.
- A PAN card is required for filing income tax returns.
Short Term Capital Gains
Property sold within 3 years of possession
- Added to total taxable income
- Taxed as per applicable income tax slab
Long Term Capital Gains
Property sold after 3 years of possession
- Taxed at 20% plus applicable cess
FAQ · 1 QUESTIONS
Double Taxation Avoidance
- Rental income from property located in India is generally taxable in India.
- Capital gains arising from sale of immovable property in India are generally taxable in India.
- Tax paid in India may usually be claimed as tax credit in the country of residence subject to DTAA provisions.
FAQ · 3 QUESTIONS
Capital Gains Tax
Yes. Both short-term and long-term capital gains are taxable.
- Long Term Capital Gains: 20.6%
- Short Term Capital Gains: 30.9%
Eligible Investments
- Residential Property — Investment in purchase or construction of another residential property within prescribed timelines.
- Capital Gain Bonds — National Highways Authority of India (NHAI)
- Capital Gain Bonds — Rural Electrification Corporation (REC)
Maximum Bond Investment: INR 50 Lakhs
FAQ · 2 QUESTIONS
Repatriation of Funds
Foreign Exchange Source Purchase
- Repatriation amount cannot exceed original amount paid through foreign exchange.
- Applicable for funds routed through banking channels, NRE account, or FCNR(B) account.
- Restricted to maximum two residential properties.
Rupee Source Purchase
- Up to USD 1 million per financial year can be remitted through NRO account balances.
- Subject to tax compliance and authorized dealer bank approval.
Yes. Rental income is repatriable subject to:
- Applicable tax deduction
- Certification by a Chartered Accountant
FAQ · 2 QUESTIONS
Home Loans
Yes. Home loans can be availed from authorized dealer banks and housing finance institutions approved by the National Housing Bank.
Loan terms are generally similar to resident Indian borrowers.
- Loan amount cannot be credited to NRE / FCNR / NRNR accounts.
- Property must be mortgaged as security.
Repayment can be made through:
- Overseas remittance
- NRE / NRO / FCNR / NRSR accounts
- Rental income
- Relative's bank account in India
FAQ · 3 QUESTIONS
Income Tax Filing
NRIs / OCIs / PIOs must file returns if:
- Taxable income exceeds the exemption limit, or
- They earn short-term or long-term capital gains
- Return filing may not be required if income consists only of investment income or capital gains with proper TDS deduction.
- Long-term capital gains from exempt equity investments may also not require return filing.
- Return filing is recommended when claiming refunds or adjusting capital losses.
The easiest method is online filing through Indian income tax filing platforms.
FAQ · 2 QUESTIONS
Home Loan Documents
- Employment contract copy
- Latest salary slip
- Latest work permit
- Bank statements (4–6 months)
- Passport and visa copy
- Utility bill for address proof
- PIO / OCI card
- Power of Attorney (if applicable)
- Credit check report
- Registered property documents
- Income tax returns (last 2 years)
- Balance sheets and Profit & Loss statements (last 3 years)
- Company and personal bank statements (last 6 months)
- Income tax returns (last 3 years)
- Passport and visa copy
- Utility bill for address proof
- PIO / OCI card
- Power of Attorney (if applicable)
- Credit check report
- Property agreement and related documents
