Investing in a NRO Account

  • No need to open a PIS Bank account. It saves heavily on PIS transaction charges  
  • Any NRO savings Bank account can be mapped to Trading and demat account and it is not necessary to open  a fresh bank account. 
  • Intraday, BTST trades can be executed only in NRO account.
  • Funding Facility can be availed
  • Leverage benefits are available
  • Collateral based trades are allowed
  • Multiple NRO Bank accounts can be linked to the Trading account
  • Trading in Derivatives (F&O) segment can be done.
  • All stocks can be bought unlike NRE account where there are certain restrictions to buy few shares.
  • Facilitates online fund transfer

How to fund my Trading Account for Investment?

It is simple for NRO accounts. Just log into our trading platform and transfer funds from your registered bank account using our Payment Gateway or via UPI 

Will I get any leverage to trade in NRO account?

The following are the leverage benefits extended to NRO accounts in Group 1 stocks where VAR + other margins is less than 20%

  • Intraday leverage of 5 times on stocks trading in F&O segment
  • Intraday leverage of 2 times on non F&O stocks but eligible for Intraday trading
  • Funding benefit. Buy up to 2 times of your available balance in a stock (listed under MTF) andhold them as long as you would like to. Click here to read more

To place intraday orders, choose, MIS or CO from Product type in Order screen

What is the difference between NRE and NRO accounts?

Here are the differences in operating a NRE and NRO account




Reporting of Transactions

All Equity transactions will be reported to Bank. 

Transactions will not be reported to Bank

Fund Transfer

PIS needs to be funded. Fund transfers are  directly done by the bank based on the contract notes generated


Funds can be transferred online by clients using Payment Gateway 

Tax deduction at Source (TDS)

TDS will be deducted by Bank for which they charge

TDS will be deducted by Navia at 0 cost

Eligible Segments

Equity Cash

Equity Cash and Derivatives


Funds should be available in advance before placing orders

a) Can keep the account funded or

b) Can use stock collateral to buy stocks and pay later



No leverage will be provided

Leverage will be provided like resident accounts. Read More

Margin Trading Funding (MTF)

No funding can be availed

Funding is available. MTF can be enabled online instantly 

Intra Day Trading

Strictly not allowed

Can trade Intra Day and do BTST (Buy Today Sell Tomorrow)


No limits to repatriate funds

Funds can be repatriated up to $1 million in a year by providing an Auditors certificate for which Navia provides assistance

Can I repatriate funds, if so, how to do it?

Yes, you can repatriate funds from your NRO account. Its not difficult at all. We aim at providing end to end service to you, up to taking back money to the country of your residence.

You may repatriate up to one million dollar in a year by submitting relevant Auditor's Certificate. We can help you in obtaining these forms too through our Auditors, if you want to. The Auditor's certificate along with a Remittance form needs to be sent to your bank to repatriate the required funds. 

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