SAI FAKIRA NRI
(REAL-FIN) SERVICES

WHAT WE HANDLE FOR NRIS

Property • Home Loans • Due Diligence

100+

Branches
Pan India

100+

A-Category
Developers

140+

Banks &
Housing Finance &
MNC

20K+

Happy
Clients

End to End Property & Financial Solutions For NRIs

A comprehensive service designed exclusively for NRIs, delivering verified properties, transparent pricing, expert guidance for home loan and documentation support.

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How the Journey Works

Select the Journey that are relevant to your needs

Schedule Virtual Meeting / Call

Intro call or private consultation

Property Identification

From the Sai Fakira

Loan & Documentation

NRI eligibility & coordination

Successfully Done

Simple. Structured. Guided.

Understanding the NRI Reality

Not sure which developers are reliable

Confusing pricing & mixed information

Too little time for paperwork & bank process

Difficult to judge quality remotely

Verified & Bank-approved projects

Clear pricing & structured options in Property

End-to-end Home loan & documentation support

One dedicated relationship manager

FAQ Highlights

Common questions NRI's ask before buying property in India.

NRI definition under FEMA: NRI (Non-Resident Indian) is the term used for a person residing outside of India, while possessing an Indian passport, for the purpose of employment or carrying on business or vocation or any other circumstances which indicate his/her intention to stay outside India for an uncertain period of time. An OCI (Overseas Citizen of India) is also treated as an NRI.

Bank offers various modes for repayment of the loan. Customers may either issue post-dated cheques or standing instructions to his/her banker to pay the instalment through ECS (Electronic Clearing System) / NACH (National Automated Clearing House) from their Non-Resident (External) Account / Non-Resident (Ordinary) Account in India. Cash payments are not accepted.

In the event of a customer relocating back to India, Banks reassesses the repayment capacity of the applicant(s) based on the resident status, and a revised repayment schedule is worked out. The new rate of interest may be as per the prevailing applicable rate of Resident Indian loans (for that specific loan product). This revised rate of interest would be applicable to the outstanding balance being converted. A letter is given to the customer confirming the change of status.

The customer need not be present in India to avail a Home Loan. In case the customer is posted abroad at the time of submission of the loan application and the disbursement of the loan, he/she can avail the loan by appointing a Power of Attorney as per Bank format. The Power of Attorney holder can apply and carry out the formalities on his/her behalf.

A Power of Attorney is a resident Indian appointed to act on behalf of all the applicants through an execution of the Specific Power of Attorney (SPOA) deed. It is mandatory for both the applicant and the co-applicant to execute the SPOA in favour of the person concerned. If the co-applicant is a resident Indian, he/she can also be the SPOA through the execution of the SPOA by the applicant.

SAI FAKIRA NRI
(REAL-FIN) SERVICES

Property • Home Loans • Due Diligence

100+

100+

140+

20K+

End to End Property & Financial Solutions For NRIs