Legal
NRI Guide to Buying Property in Dholera Smart City (FEMA, Loans, POA)
Buying from abroad: FEMA basics, NRE and NRO transfers, a power of attorney, loans, tax and taking money back out.
A lot of the people who ask about Dholera are NRIs and OCI cardholders. Buying is allowed. The part that trips people up is FEMA, and keeping a clean record of where the money came from.
Not legal or tax advice
Can NRIs buy property in Dholera?
Yes. Under FEMA, NRIs and OCI cardholders can generally buy residential and commercial property in India, including in Dholera. The key restriction: they cannot buy agricultural land, plantation property or farmhouses — which makes confirming a plot's NA status and zone doubly important. Check any survey number's zone with the free survey lookup.
What you can and cannot buy
| Property type | NRI / OCI |
|---|---|
| Residential property / plots (NA) | Allowed |
| Commercial property / land (NA) | Allowed |
| Agricultural land | Not allowed to purchase |
| Plantation / farmhouse | Not allowed to purchase |
Because much of Dholera's land was originally agricultural, always insist on the NA order for the exact parcel and confirm the zone before you pay. See the full buying checklist.
Routing the money: NRE / NRO accounts
Payment must come through banking channels — typically your NRE or NRO account in India — not foreign cash. Keeping a clean, documented remittance trail matters for both compliance and future repatriation of sale proceeds.
Home loans for NRIs
Indian banks and NBFCs do give plot and home loans to NRIs when the project is documented. RERA projects, and NA plots inside a notified TP scheme, are easier to get approved. It still depends on your income, your papers, and whether that lender has the project on its list. Check before you commit.
Power of Attorney (POA)
Since you may not be present in India for every step, a properly executed Power of Attorney lets a trusted representative sign and register on your behalf. Get it drafted by a lawyer, and have it attested/apostilled and adjudicated as required — a defective POA can stall registration.
Documents NRIs typically need
- Valid passport and OCI/PIO card (as applicable).
- PAN card (needed for registration and tax).
- Overseas address proof and recent photographs.
- NRE/NRO account details for the remittance trail.
- Power of Attorney (if buying remotely), properly attested.
Tax & repatriation basics
- TDS may apply on purchase; keep the paperwork.
- Capital gains tax applies on sale — short vs long-term rates differ by holding period.
- Repatriation of sale proceeds is subject to limits and documentation; a clean inward-remittance trail makes this far smoother.
Make it easy on yourself
Plots we have papers for. Message us on WhatsApp if you want a short list for an NRI purchase.
Browse verified Dholera listings →Next, the investment note on what you are actually buying, and the buying checklist for the papers one by one.
Frequently asked questions
Can NRIs and OCI cardholders buy property in Dholera?
Yes. Under FEMA, NRIs and OCI cardholders can generally buy residential and commercial property in India, including Dholera. They cannot buy agricultural land, plantation property or farmhouses — so confirming a plot's NA status and zone is essential.
How should an NRI pay for a Dholera property?
Payment must flow through banking channels — typically an NRE or NRO account in India — not foreign cash. A clean, documented remittance trail is important for compliance and for future repatriation of sale proceeds.
Can NRIs get a home loan for a Dholera plot?
Yes. Several Indian banks and NBFCs offer NRI home/plot loans for eligible projects, with RERA-registered developments and NA plots inside TP schemes generally viewed more favourably. Eligibility depends on income, documentation and the lender's approved-project list.
Do NRIs need a Power of Attorney to buy in Dholera?
If you can't be present for every step, a properly executed and attested Power of Attorney lets a trusted representative sign and register on your behalf. Have it drafted by a lawyer to avoid registration delays.
Keep reading
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