NRI Guide to Buying Property in Gurgaon (2026)

Why NRIs are looking at Gurgaon

Gurgaon (Gurugram) is one of the most popular cities in India for NRI buyers. It is 20 to 40 minutes from IGI Airport, home to the India offices of many global companies, and has some of the country’s best-run gated communities. That makes it easy to rent out a home while you are abroad, and easy to move into when you come back.

Buying from overseas is simpler than many people expect, but the rules on payments, paperwork and tax are different from those for residents. This guide covers who can buy, how to pay, the costs involved, how to complete the purchase without flying in, and what happens when you rent out or sell.

This guide is general information as of October 2026, not legal or tax advice. Rules change, so confirm the details with a chartered accountant and your bank before you commit. Tax section numbers refer to the Income-tax Act, 2025, which replaced the Income-tax Act, 1961 from 1 April 2026. Sources are listed at the end.

Who can buy, and what

  • NRIs and OCI cardholders can buy residential and commercial property in India without any approval from the RBI. There is no limit on the number of properties.
  • Agricultural land, plantation property and farmhouses cannot be bought by NRIs or OCIs. They can only be inherited.
  • Foreign nationals who are not OCI cardholders generally cannot buy property in India, except in narrow cases such as inheritance.

For most buyers this means a flat, villa, builder floor, plot in a licensed colony, office or shop in Gurgaon is open to you.

How to pay

Under FEMA, the purchase must be paid for through normal banking channels:

  • Money sent from abroad directly to the developer or seller, or
  • From your NRE, FCNR(B) or NRO account in India.

You cannot pay in foreign currency cash or traveller’s cheques. Keep every bank record and remittance certificate. If you later want to send the sale proceeds back abroad, you will need to show that the purchase was paid for in foreign exchange or from your NRE or FCNR(B) account.

Home loans for NRIs

Most Indian banks and housing finance companies lend to NRIs. A few points to know:

  • Loan amount: RBI rules cap loans at 75% to 90% of the property value depending on the loan size, and 75% for most homes in Gurgaon above ₹75 lakh. The rest is your down payment.
  • Repayment: EMIs are paid from your NRE or NRO account or by remittance from abroad. They cannot be paid from a foreign bank account directly.
  • Documents: passport and visa or OCI card, overseas address proof, employment contract and salary slips (or business accounts if self-employed), overseas bank statements, and sometimes a credit report from your country of residence.
  • Tenure: usually shorter than for residents, often up to 15 or 20 years, depending on your age and employment.

What it costs

Look beyond the price per sq ft. For a home in Gurgaon, budget for:

  1. The base price, plus preferential location charges (PLC) for corner units, park views or higher floors.
  2. Car parking, club membership and IFMS (interest-free maintenance security).
  3. GST: 5% on under-construction homes (1% for homes classed as affordable). No GST is charged on a ready-to-move home that already has its completion or occupation certificate.
  4. Stamp duty: in Gurgaon’s urban areas this is 7% if the buyer is a man, 5% for a woman and 6% for joint ownership. It is charged on the higher of the deal value and the government’s collector rate. Registering in a woman’s name, or jointly with one, can save a meaningful amount.
  5. Registration fee: a slab-based amount on top of stamp duty. Check the current figure on Haryana’s Jamabandi portal before registration.
  6. Legal fees for an independent lawyer to check the title and documents.

For a new launch, stamp duty and registration are paid when the conveyance deed is registered at possession, not when you book.

Completing the purchase from abroad

You do not need to be in India for most of the process.

  • PAN card: you need one to buy property. Apply online well in advance if you do not have one.
  • Booking and agreement: developers usually accept bookings by email and video call, with the builder-buyer agreement signed and couriered or signed when you next visit.
  • Power of attorney: if you cannot attend the registration, give a specific power of attorney to a family member or someone you trust. Sign it at the Indian embassy or consulate, or have it notarised and apostilled in your country. It then has to be stamped (adjudicated) in Haryana, usually within three months of arriving in India. Keep the powers limited to this one property.
  • Registration: the sale or conveyance deed is registered at the sub-registrar’s office in Gurugram. Book the appointment online through Haryana’s e-registration system.
  • Site visits: if you cannot visit, ask for a live video walkthrough of the site and the sample flat, not just recorded videos.

What to check before you buy

  1. RERA registration: confirm the project’s Haryana RERA number on the H-RERA Gurugram website and note the possession date it promises.
  2. Developer track record: look at the developer’s completed projects in Gurgaon, whether they were delivered on time and what residents say.
  3. Title and approvals: for resale homes, have a lawyer check the chain of title, the occupation certificate and that there are no loans against the property.
  4. Carpet area: compare usable carpet area, not just super area.
  5. Rental demand: if you plan to rent it out, ask what similar completed homes nearby actually fetch, and how quickly they let.
  6. Property management: decide who will handle tenants, maintenance and society dues while you are away.

Renting it out

Rental income from an Indian property is taxed in India. As the owner is an NRI, the tenant is required to deduct TDS from the rent at 30% plus surcharge and 4% cess (section 393(2)) and deposit it with the government. You then file an Indian tax return, where you can claim the standard 30% deduction on rental income and interest on any home loan (section 22), and get a refund if too much was deducted. Rent can be paid into your NRO account.

Most countries have a tax treaty (DTAA) with India, so tax paid in India can usually be credited against tax on the same income where you live.

When you sell

  • Capital gains: if you have held the property for more than 24 months, the gain is long-term and taxed at 12.5% without indexation, plus surcharge and cess (section 197). If you have held it for 24 months or less, the gain is short-term and taxed at your slab rate.
  • TDS by the buyer: a buyer purchasing from an NRI must deduct TDS at 12.5% for a long-term sale or 30% for a short-term one, plus surcharge and cess. In practice this is deducted on the full sale price, not just on the gain, unless the seller has a lower deduction certificate (section 395). Apply for one before the sale so that tax is deducted only on your actual expected liability.
  • Simpler for buyers from October 2026: under CBDT Notification 121/2026, resident individual and HUF buyers no longer need a separate TAN to deduct this TDS and can pay it using their PAN. Companies and firms still need a TAN. This removes a common delay in NRI resales.
  • Taking the money abroad: sale proceeds of up to two residential properties can be sent back abroad, up to the amount originally paid in foreign exchange or from NRE or FCNR(B) accounts. Other funds in your NRO account can be remitted up to USD 1 million per financial year, with a chartered accountant’s certificate and your bank’s remittance forms.

Where NRIs are buying in Gurgaon

Our view

Buying property in Gurgaon as an NRI is simple once the money comes through the right accounts, the paperwork is in order and you have someone reliable on the ground. Most problems come from payments made through the wrong channel, a vague power of attorney or a project chosen without checking the developer’s record.

We have advised Gurugram buyers since 2006 and are registered with H-RERA. Talk to us for an honest comparison of projects for your budget, site visits with our team, and help with the paperwork from booking to registration.

Sources

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