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July 2, 2013
The health care sector of India has also opened new investment opportunities for NRIs investing in India because of the rise in disposable income, penetration of health insurance and rising health related lifestyle challenges across demographics. The returns from the real estate sector in India have consistently been high and have even outperformed other investment options. The Government of India has created many policies and schemes to maximize investment options for NRIs/PIOs looking to invest in Indian real estate sector. Some of the most popular investment opportunities available to the NRIs and PIOs for investments in India are:
Non-Resident (External) Rupee (NRE) Accounts: NRE account may be in the form of savings, current, recurring or fixed deposit accounts. Such accounts can be opened only by the non-resident himself and not through the holder of the power of attorney. The interest rates on NRE Savings deposits shall be at the rate applicable to domestic savings deposits.
Non-Resident Ordinary (NRO) Rupee Account: NRO accounts may be opened / maintained in the form of current, savings, recurring or fixed deposit accounts. Account should be denominated in Indian Rupees. Permissible credits to NRO account are transfers from rupee accounts of non-resident banks.
Bank Fixed Deposits: Bank failures are rare in India so bank fixed deposits are a very safe way to invest for NRIs investing in India. You know the rates up front so there is no uncertainty there. Taxes can eat into your returns though, especially if you are in the high tax bracket, but even then a fixed deposit (FD) that compounds quarterly and is done for a long maturity will yield well.
Foreign Currency Non Resident (Bank) Account FCNR (B) Account: FCNR (B) accounts are only in the form of term deposits of 1 to 5 years. All debits / credits permissible in respect of NRE accounts, including credit of sale proceeds of FDI investments, are permissible in
FCNR (B) accounts also. Account can be in any freely convertible currency.
Senior Citizens Savings Scheme (SCSS): It is a new investment opportunity in India for Senior Citizen. The account may be opened by an individual, who has attained age of 60 years or above on the date of opening of the account.
National Savings Certificates (NSC) IX Issue: This is another safe investment with decent returns. There is no maximum limit for investment and no tax deduction at source (TDS). Certificates can be kept as collateral security to get loan from banks.
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National Aluminium Company Ltd (Nalco) has set up its second wind power plant in Jaisalmer district of Rajasthan with a capacity of 47.6 MW. The Rs 283 crore wind power project is being executed through Gamesa Wind Turbines Private Ltd
Coal India Ltd (CIL) plans to invest Rs 340 crore to embark on the second round of exploration at Mozambique coal blocks Jakson Power Solutions has won two new orders for installing solar rooftop systems in Bengaluru and Pune. The first order is to set up the 80 kilowatt peak (KWp) solar rooftop unit with a facility of battery back-up at Karnataka State Disaster Management Centre, Bengaluru, said Mr Sundeep Gupta, Joint Managing Director, Jakson Power Solutions
Vikram Solar plans to put up a 10 MW power plant at Tamil Nadu (TN) under the second phase of the states solar policy Mytrah Energy Ltd plans to acquire 59.75 MW of existing operational wind power assets in Tamil Nadu (TN) and Maharashtra. The company expects to have a capacity of 370 MW against previously anticipated 334 MW by 2013 wind season
Policy (NEP) in fact, stipulates power for all and annual per capita consumption of electricity to rise to 1,000 units by 2012. Some of the major investments taken by the Government of India to garner investments in the energy sector are as follows:
Foreign direct investments (FDI) up to 100 per cent is permitted under automatic route for projects of electricity generation (except atomic energy), transmission, distribution and power trading
Under the Union Budget 2013-14, the Government of India has approved a scheme for the financial restructuring of DISCOMS to restore the health of the energy sector in India
In a boost to power firms with plans to set up units in Special Economic Zones (SEZ), the Government has exempted them from the positive net foreign exchange (NFE) obligation applicable to regular units in such enclaves
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Investment options in India, one of the most attractive economies in the world
Filed under: Foreign investors,investment guide,Investment Opportunities,Investment sectors Harjeet @ 12:03 PM Tags: business investment opportunities, Business Opportunities in India, fdi equity, FDI Investment, foreign investors, Indian economy, invest in India,investment guide, investment sectors, non resident Indians, NRIs investment opportunities, Overseas Indians, P Chidambaram, Qualified Foreign Investors, Union Budget The Indian economy continues to grow at a good pace and holds a strong position. Indias economy is amongst the largest in the world on the basis of purchasing power parity (PPP). It is today one of the most attractive destinations for business investment opportunities with the available large manpower base, diversified natural resources and strong macroeconomic fundamentals. During April-January
2012-13, India received foreign direct investments (FDI) worth US$ 30.82 billion while FDI equity inflows during January 2013 stood at US$ 2.16 billion, according to latest data released by the Department of Industrial Policy and Promotion (DIPP). India is the third-most attractive destination for FDI in the world. Indian markets have significant potential and a favorable regulatory regime for foreign investors, according to a survey titled World Investment Prospects Survey 20122014 by UNCTAD. We are keen to see FDI investment to surge in India and to that end, a favourable business climate will be helpful in going forward. We are encouraged to see there is a continued path towards fiscal consolidation, according to Ms Christine Lagarde, Chief, International Monetary Fund (IMF). Changes made by the Mr P Chidambaram, Union Minister for Finance, Government of India, in the Union Budget 2013-14 can greatly benefit high net worth individuals looking to invest in India, where returns on investments are higher than in any other market.
Aerospace & Defence Automotive Banking Biotechnology Information Technology Insurance Power Real Estate
Retail Telecommunications
The Government of India has relaxed in expense ratios for mutual funds and the prospects of higher FDI limits in insurance sectors could unlock huge opportunities in these investment sectors.
The Government has allowed Qualified Foreign Investors (QFIs) individuals, groups or associations to invest directly in Indian equities and bond markets.
To encourage the micro, small and medium enterprises (MSMEs), the Government of Tamil Nadu (TN) has announced a special component package, which includes creation of an additional land bank for setting up new industrial estates in the state, increase in subsidy for machinery purchases and creation of a single window clearance committee to facilitate speedy approvals for industrial estates, said Ms J Jayalalithaa, Chief Minister of Tamil Nadu (TN).
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of public services. Therefore, the Government is making all efforts to facilitate the growth of such industries and promote overall development of the economy.
Simple and responsive administrative set-up Educated and professional work force with abundance of skilled workers Strong agricultural and industrial base Efficient infrastructural set up including transportation, telecommunication, stable and cheap power
Gujarat: Gujarat is the leading industrialized State of India. It houses a number of multinational corporations, private sector companies, public sector enterprises and a large number of medium and small scale units. It is a manufacturing powerhouse with world-class production capabilities. Textiles, petrochemicals, pharmaceuticals
are some of the few sectors which attracts investment in Gujarat. The State is also known for its entrepreneurial spirit as well as robust social and physical infrastructure. Andhra Pradesh: Andhra Pradesh is the resourceful land of minerals which includes coal, oil and natural gas, bauxite, limestone, gold, diamonds and much more. It is an agriculturally-prosperous State, endowed with fertile land, water and conducive agro-climatic conditions. It is among the largest producers of food grains, fruits, vegetables, cotton, maize, dairy and poultry products in the country. Leave a Comment
June 3, 2013
A higher level of safety comes with a cost: investors will have to compromise on the returns front, as one cannot expect higher safety with higher returns. Returns offered by low risk investments will be low to moderate i.e. up to 9 per cent and in some cases the post-tax returns would be even lesser. It would hence be ideal if an investor can have a mix of asset classes with varying degrees of risk, to address safety and returns.
Short-term avenues
Savings bank account: This is the primary savings product that anyone would have; however it provides low returns of 4 to 5 per cent. Any funds in this account makes sense only if the balance is sufficient to cover needs that are supposed to arise within a month as it offers highest liquidity.
Fixed deposit schemes (Bank FD): Bank FD comes with a fixed tenure of investment which acts like a lock in period. While early
withdrawal is possible it entails a penalty. It is essential to plan this investment since it comes with a fixed tenure/lock in.
Long-term avenues
Post office savings schemes: This is one of the favourite and most sought after among investors who believe in regular savings in the form of recurring deposits. There are other investment opportunities like National Savings Certificate, PO time deposit which are similar to FD and also offer tax benefit u/s 80 C if the tenure is 5 years.
Public Provident Funds (PPF): PPF offers multiple benefits of good returns @ 8.8 per cent, low risk, tax free interest and tax benefit u/s 80 C. However liquidity in this avenue is low, as one can start withdrawing only from the seventh financial year onwards and has to adhere to certain limitations while withdrawing.
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Tourism is an important social and economic phenomenon in many countries. It is a key driver of socio-economic progress through the creation of jobs and enterprises, infrastructure development and the export revenues earned.
The Visa on Arrival (VoA) Scheme of the Government of India has registered a growth of 63 per cent during March 2013. A total number of 2,107 VoAs were issued last month as compared to 1,287 VoAs issued in March 2012.
products and services. It is one of the fastest, easiest and lucrative investment destinations in the world to set up business. India is the second-most profitable destination, according to UNCTADs World Investment Prospects Survey 2010-2012.
Incubator Association (ISBA) which is the apex Indian professional body supporting business incubators. Private incubators are a handful, but gradually growing. These numbers are expected to double within the next two years. Some of the good business incubation centers in India:
Centre for Innovation, Incubation and Entrepreneurship (CIIE), IIM Ahmedabad AngelPrime Indian Angel Network (IAN) Technopark Technology Business Incubator (T-TBI)
Long term projects are projects of national importance that will help in Indias development. These platform showcase investment opportunities in projects that require funding and will also help you to contact relevant institutions undertaking the projects. This information will be updated regularly to generate fresh investment opportunities for the overseas Indians. Leave a Comment
India is the fifth best country in the world for dynamic growing businesses, according to the Grant Thornton Global Dynamism Index. The index gives a reflection of how suitable an environment it offers for dynamic businesses. In addition, Indias economic confidence registered an increase of 8 points, to reach 68 per cent in August 2012 as compared to the previous month, according to the Ipsos Economic Pulse of the World survey. This makes India the fourth most economically confident country in the world. India is also expected to be the second largest manufacturing country in the next five years, followed by Brazil as the third ranked country, as per Deloitte Touche Tohmatsu Ltd (Deloitte). The Government of India has relaxed foreign direct investment (FDI) regime in sectors including multi-brand retail, single-brand retail, commodity exchanges, power exchanges, broadcasting, non-banking financial institutions (NBFCs) and asset reconstruction companies (ARCs) in 2012 to attract more and more direct investments.
Software: Indias software and services exports are likely to rise with export revenue growth projected at 13 to 15 per cent. With one of the largest pool of software engineers, NRIs can set higher targets in hardware and software development
Tourism: Tourism is a booming industry in India. With the number of domestic and international tourists rising every year, this is one hot sector NRIs must focus on. India with its diverse culture and rich heritage has a lot to offer to foreign tourists. Beaches, hill stations, heritage sites, wildlife and rural life, India has everything tourists are looking for
Automobile: India is now a hot spot for automobiles and autocomponents. A cost-effective hub for auto components sourcing for global auto makers, the automotive sector is potential business in India for foreign investors
Textiles: India is famous for its textiles. Each state has its unique style in terms of apparels. India can grow as a preferred location for manufacturing textiles taking into account the huge demand for garments. Places like Tirupur and Ludhiana are now export hubs for textiles. A better understanding of the markets and customers needs can boost growth in this sector and attract direct investments
Education and Training: There is a good demand for education and online tutorial services. With good facilities at competitive rates, India can attract more students from abroad. Unique teaching methods, educational portals and tools can be used effectively to make the sector useful and interesting
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May 3, 2013
The pharmaceutical industry in India is most progressive and advanced among all the developed and developing countries. The industry has provided great employment opportunities to thousands of people, apart from contributing greatly towards the Indian economy. Today, India is among the top five pharmaceutical emerging markets in the world. The market is expected to grow at a compound annual growth rate (CAGR) of 1417 per cent over 2012-16. The total revenues of the market stood at US$ 11 billion and are estimated to be US$ 74 billion by 2020.
Pharma sector in India is growing at a rapid pace, marked by a number of mergers and acquisitions (M&A) and growth in foreign expenditure. The sector is going to be a major area of focus in the coming years as Indian medicines are increasingly becoming popular in many parts of the world because of the cost effectiveness and easy availability. The manufacturing cost of Indian pharma companies is up to 65 per cent lower than that of US firms and almost half of that of the European manufacturers.
The domestic pharmaceutical market is expected to register a strong double-digit growth of 13-14 per cent in 2013 on back of increasing sales of generic medicines, continued growth in chronic therapies and a greater penetration in rural markets.
The growth of healthcare sector also provides huge opportunities for investing in Indias pharma space. The growing network of private and public hospitals in the country generates a huge demand for industrial cleaning equipment, waste management, hygiene products and laundry solutions.
Pharmaceutical exports
The Ministry of Commerce has targeted Indian pharma sector exports of US$ 25 billion by 2014 at an annual growth rate of 25 per cent.
Last year, the industry registered exports of US$ 13 billion at a growth rate of 30 per cent, as per Dr P.V. Appaji, Director-General, Pharmaceutical Exports Council of India (Pharmexcil). The Government has also planned a Pharma India brand promotion action plan spanning over a three-year period to give an impetus to generic exports.
FDI inflows
The cumulative drugs and pharmaceuticals industry in India attracted foreign direct investment (FDI) inflows worth US$ 10,308.75 million during April 2000 to February 2013, according to the Department of Industrial Policy and Promotion (DIPP)
Recent initiatives
The Department of Pharmaceuticals has prepared a Pharma Vision 2020 document for making India one of the leading destinations for end-to-end drug discovery and innovation and for that purpose, the department provides requisite support by way of world class infrastructure, internationally competitive scientific manpower for pharma research and development (R&D), venture fund for research in the public and private domain and such other measures. Pharmexcil has removed the need for overseas investors to get a no-objection from their joint venture (JV) partner before venturing out on their own or roping in another local firm. This will promote the competitiveness of India as an investment destination and be instrumental in attracting higher levels of FDI and technology inflows into the country.
FDI policies
FDI, up to 100 per cent, under the automatic route, is permitted for green field investments (when a company establishes a subsidiary in a new country and starts its own production) in pharmaceutical sector in India
FDI, up to 100 per cent, under the government approval route, is permitted for brown field investments (when company purchases an existing plant or firm, rather than construction of a new plant)
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Education in India
In the past few years Indian education sector has witnessed a series of changes, which resulted in a significant increase in market share of the education industry. With economic growth and enhanced technology it has become necessary to develop the Indian education sector. Funds are a major concern in the market to meet this demand. The Government of India has taken many initiatives to attract investments from non-resident Indians (NRIs) for the development of education infrastructure. The Government has also opened the doors for foreign universities by passing Foreign Educational Institution (Regulation of Entry and Operation) Bill, which will help in bringing foreign investments in education in India and shaping the education industry structure specially pertaining to higher education.
Demographic advantage
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As per Census 2011, 35.3 per cent of the Indian population is under the age of 14
Increasing awareness
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Increase in awareness towards education as a priority and essential tool for career growth Increase in job opportunities and salaries offered making investment in education in India prudent
Increase in the demand for an educated skilled workforce by services sector Share of service sector in GDP increased from 30% in 1950 to 55% in 2007
Newer employment avenues such as knowledge process outsourcing (KPO), legal process outsourcing (LPO), retail, aviation, animation etc. demanding highly skilled manpower
According to the Indian Higher Education Real Estates New Emerging Sector, a study by real estate consulting firm, DTZ, the Indian higher education sector needs 5,550 million sq ft of additional educational space (excluding support services like hostel, cafeteria, recreational facilities) to meet the Government of Indias 30 per cent Gross Enrollment Ratio (GER) in higher education target by 2020. The sky rocketing economic growth will require huge number of engineers and management graduates which mandate infrastructural development to address the demand. Entry of foreign universities would not only intensify the competition, but also provide an international platform to the Indian students where they can achieve quality learning.