NRE account Vs NRO account

Ye sawal kafi log karte hai ki ek NRI (Non Resident Indian) ko NRE Account ya NRO Account usme se konse account open karna chahiye. Aapke paise ko sahi jagah pe invest karna bahot jaruri hai aur isi liye ye jan na bhi jaruri hai ke in dono me differences kya hai taki apko pata chale ki isme se konsa account behtar hai.

NRE Account VS NRO Account

  • Currency

NRE account me sirf aur sirf foreign currency deposit ho sakti hai. Indian currency ko aap NRE account me deposit nahi kar sakte hai.

NRO account ka main purpose ye hai ki koi person India se bahar reh raha hai par uska source of income Indian currency me hai jaise ki koi business hai ya pension aa rahi hai uske liye NRO account ki jarurat padti hai.

NRO account me aap foreign currency bhi deposit kar sakte hai.

  • Tax

NRE tax free account hai, isme aap jitna bhi principal amount jama karte hai aur iss par mil raha interest bhi tax free hai.

NRO account me lagbhag 30% tak tax cut hota hai.

  • Rate of interest

NRE me interest rate NRO se kum hai par NRE me tax nahi hai isliye jyada beneficial hai.

  • Repatriability

Apki foreign currency hai jisse apne account me transfer kar di agar kisi vajah se apko paiso jarurat padi to wo foreign currency apko vapas mil jayegi jisse repatriability kehte hai.

To iss tarah se NRE account puri tarah repatriable hai. Aap ka jitna bhi paisa deposit hai aur iss par jitna interest hai wo sab repatriable hai, aap kabhi bhi usse call back kar sakte hai.

NRO account me repatriability me kafi risk hai aur amount ki limit bhi hai aur aapko amount receive karne ke liye apke pass valid reason bhi hona chahiye.

  • Transfer

NRE account se aap NRO, NRE ya kisi bhi saving account me fund transfer kar sakte hai.

NRO account se aap NRE ya Kisi bhi saving account ma fund transfer nahi kar sakte hai.

  • Account

NRE me aap joint account open kar sakte hai lekin jiske sath joint account hai wo bhi NRI hi hona chahiye.

NRO account me NRI ke sath ya kisi Indian resident ke sath bhi joint account open kar sakte hai.

NRI dono hi account open kara sakte hai. Agar usse foreign currency deposit karni hai to NRE account best hai aur agar uski Indian currency me earning hai to uske liye NRO account open karna hi padta hai.

Iss topic se related koi query hai to aap comment box me puchh sakte hai.

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