SIP Allocation for NRI: Equity-Debt and Currency (2026)
NRIs can follow the same equity-debt logic as residents: 60–70% equity and 30–40% debt for 5–10 year goals, with investments in INR through NRO/NRE and compliant channels. Consider currency risk if you will need funds in another currency later. You can use a curated mutual fund basket if the platform allows NRI investment.
Quick steps for NRI SIP
- Complete NRI KYC and use NRO/NRE as per rules.
- Choose 60:40 or 70:30 equity-debt based on tenure and risk.
- Invest in INR; decide if you will repatriate or use in India.
- Use 2–3 funds or an investment basket if available for NRIs.
Currency and repatriation
SIP and redemption are in INR. For repatriation, use NRE and follow FEMA limits. About RevenUmf and platform terms for NRI eligibility.
Frequently Asked Questions
What SIP allocation for NRI? Same as residents: 60–70% equity, 30–40% debt for 5–10 year goals; adjust for tenure and risk.
Can NRIs use investment baskets? Check platform terms; RevenUmf baskets may be available for NRI investors.
RevenUmf offers curated mutual fund baskets with active rebalancing so you don't need to pick individual funds. Explore our investment baskets here: https://revenumf.com/baskets
