Ajay Bohra
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Last updated: May 2026 · Charges and offers verified against official broker pages where noted.
Indian residents can invest in US stocks under RBI’s Liberalised Remittance Scheme, typically up to USD 250,000 per financial year per person. This guide covers LRS steps, tax reporting in India, platform comparison, and key risks—not investment advice.
How Indians can invest in US stocks (LRS)
Resident individuals remit funds abroad under RBI’s Liberalised Remittance Scheme (LRS), typically USD 250,000 per financial year per person (verify current RBI/AD bank rules). Licensed apps route money to US broker partners where you buy shares or ETFs.
Platforms compared
| Platform | May suit |
| INDmoney | Unified India + US app experience |
| Vested | US-focused onboarding and curated portfolios |
Tax and compliance (India)
Report foreign assets/income as applicable (Schedule FA, ITR disclosures). Dividends and capital gains may be taxable in India. TCS may apply on remittances above thresholds—your bank will deduct per rules.
Risks
- USD/INR movement affects returns
- US market volatility and concentration in tech names
- Platform/partner fee changes
Step-by-step (high level)
- Choose a platform (INDmoney, Vested, or broker-led LRS)
- Complete KYC and link bank for LRS
- Remit USD within LRS limit; track FEMA reporting
- Place trades; maintain records for tax filing
Indian residents can invest in US stocks under RBI’s Liberalised Remittance Scheme (LRS). This guide explains platforms, tax, and risks—not a recommendation to buy any specific stock.
LRS, tax, and risks
Compare INDmoney and Vested before funding. Report foreign income in India; consult a CA.
FAQs
What is the LRS limit for US stocks?
Resident individuals typically have a USD 250,000 per financial year LRS cap—confirm current RBI rules with your bank.
Is investing in US stocks legal for Indians?
Yes, via LRS through AD banks and licensed platforms; you must comply with FEMA and tax reporting.
Which app is best for US stocks from India?
Depends on FX fees, stock universe, and support—compare INDmoney, Vested, and broker-led LRS in our linked reviews.
How are US stock gains taxed in India?
Foreign income and assets may need ITR disclosures; dividends and capital gains can be taxable—consult a CA for your case.
