NRIs invest more than double industry average in SIPs, says study

Non-resident Indians (NRIs) demonstrate disciplined, goal-oriented investing, with higher contributions and longer investment tenures compared to resident Indians, according to a study by digital wealth management platform FinEdge.

The report analysed 898 NRI investors across 90+ countries, managing long-term goals worth ₹4,200 crore.

The study highlights that the average monthly SIP among NRI clients is ₹6,486, more than double the industry average of ₹2,900 and 58% higher than that of resident Indian investors.

Over 75% of NRIs have remained invested for more than five years, and 65% have stayed invested for over seven years.

Children’s education is the top priority for NRIs, accounting for 30% of goals, with an average target of ₹82 lakh — compared to ₹52 lakh for resident Indians.

Retirement planning follows at 27% of objectives, with an average target of ₹6.24 crore, about 75% higher than resident Indians. Other key goals include wealth creation (11%), home purchase (9%), and children’s marriage (8%).

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Demographically, 74% of NRI investors are aged 31-45, reflecting a focus on mid-career wealth building and long-term goal planning. Cross-border investing is managed through robust virtual support, with clients averaging 5.4 virtual meetings per year. A majority of service requests — 72% — relate to KYC, FATCA, tax, and transactional queries.

Harsh Gahlaut, Co-Founder & CEO of FinEdge, said, “Our data reveals the disciplined, goal-centric approach of global Indians. Our platform helps clients invest with transparency and purpose, enabling them to stay aligned with their goals and build meaningful wealth in the long term.”

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