With Most Trusted
With Most Trusted
Invest in Indian mutual funds.
Open your NRI Demat today.
Invest in Indian mutual funds.
Open your
NRI Demat today.
Open your Zerodha NRI Demat account online, or convert
your existing Indian Demat to NRI - fully remote, from wherever you are.
Open your Zerodha NRI Demat account online, or convert your existing Indian Demat to NRI - fully remote, from wherever you are
Guided document upload
All remote
Doorstep documents pickup
15-min video notary
USA, UK, UAE & 50+ locations
Mutual Funds
Stocks & ETFs
Bonds
Mutual Funds
Stocks & ETFs
Bonds
All remote
Doorstep documents pickup
15-min video notary
Guided document upload
USA, UK, UAE & 50+ locations
Live in 50+ Countries
Powered by Zerodha.
Perfected by Rupeeflo.
Powered by Zerodha.
Perfected by Rupeeflo.
Zerodha handles the trades. We handle the setup. Digital-first onboarding for NRIs and OCIs ready to invest in India.
Backed by
Rainmatter & Zerodha
Backed by
Rainmatter & Zerodha
NSE-Registered
Authorised Person of Zerodha
NSE-Registered
Authorised Person of Zerodha
Already Part of
Zerodha's Official Journey
Already Part of
Zerodha's Official Journey
Why NRIs get stuck
The process breaks the moment you leave India
Simply because what works for a resident in India
rarely works for YOU - an ocean away!
01
Physically locked out
Branch visits, Indian SIMs for OTPs, in-person verification - none of it works from where you are.
02
Lost in the requirements
Lost in the requirements
Passport, proofs, statements - half the confusion is just knowing what to keep ready.
03
Stuck with notary hunt
Notarising abroad means a commute, a wait, and a fee per page you didn't expect.
04
Tiny errors, big delays
A signature mismatch or missed field can restart the process from scratch.
Why NRIs get stuck
The process breaks the moment you leave India
Simply because what works for a resident in India rarely works for YOU - an ocean away!
01
Physically locked out
Branch visits, Indian SIMs for OTPs, in-person verification - none of it works from where you are.
02
Lost in the requirements
Passport, proofs, statements - half the confusion is just knowing what to keep ready.
03
Stuck with notary hunt
Notarising abroad means a commute, a wait, and a fee per page you didn't expect.
04
Tiny errors, big delays
A signature mismatch or missed field can restart the process from scratch.
“ Opened my Zerodha account from NY in 6 days. Didn’t have to take a single day off work!’’
Priya M.
Investment Banker, New York 🇺🇸
All handled in our app
3 steps, under 7 days.
3 steps,
under 7 days.
No travel. No guesswork. No follow-ups. Every step guided, every document checked, start to finish.
Step 01
Start with documents
Upload six documents in the app. Share necessary information. We verify everything in ~1 working day.
Step 01
Start with documents
Upload six documents in the app. Share necessary information. We verify everything in ~1 working day.
Step 02
Book your notary call
Book a slot, hop on a 15-minute video call with a local notary, and your documents are notarized in another 15 minutes.
Step 02
Book your notary call
Book a slot, hop on a 15-minute video call with a local notary, and your documents are notarized in another 15 minutes.
Step 03
Pack docs, courier, done!
Doorstep pickup and documents delivered to Zerodha in ~5 days. Oh and, at a fraction of what you'd pay otherwise!
Step 03
Pack docs, courier, done!
Doorstep pickup and documents delivered to Zerodha in ~5 days. Oh and, at a fraction of what you'd pay otherwise!
“Already had a Zerodha resident account from before I moved. Conversion was smoother than I expected - I thought I'd have to start from scratch.”
“Already had a Zerodha resident account from before I moved. Conversion was smoother than I expected - I thought I'd have to start from scratch.”
Anish Ghatak
Product Manager, Berlin 🇩🇪
“ Opened my Zerodha account from NY in 6 days. Didn’t have to take a single day off work!’’
Priya M.
Investment Banker, New York 🇺🇸
Clarity Beforehand
PIS, Non-PIS, NRE, NRO?
Find Your Match
PIS, Non-PIS, NRE, NRO? Find Your Match
Picking the wrong bank account or route means redoing the whole thing.
Picking the wrong bank account or
route means redoing the whole thing.
NRE — Non-Resident External • (PIS)
NRE — Non-Resident External • (PIS)
For income from
Outside India
Interest tax
Tax-free in India
Repatriation
Fully repatriable
Linked bank
HDFC, ICICI, Axis, IDFC, IndusInd, Yesbank
Trading access
Equity, MF, ETF
Brokerage
0.5% or ₹200 (lower)
Link NRE with your DEMAT if
Primarily earning abroad and want tax efficiency on Indian investments
NRO — Non-Resident Ordinary • (Non - PIS)
NRO — Non-Resident Ordinary •
(Non - PIS)
For income from
India & abroad
Interest tax
31.2% TDS
Repatriation
Up to $1M/year
Linked bank
Any Indian bank
Trading access
Equity, MF, ETF, F&O, Intraday, BTST
Brokerage
0.5% or ₹50 (lower)
Link NRO with your DEMAT if
You have income in India or want full trading access including F&O
What Rupeeflo Offers Today
Where are you
starting from?
Either way, we've got you.
Fully digital, no India trip, done from your couch.
Open a NEW NRI DEMAT account
You're moving abroad, or already have, and want a fresh NRI trading account with Zerodha.
Pick your route: NRE or NRO, with guidance
Online notarisation included, no Indian embassy visit
Doorstep document courier pickup included
Ready to invest, account live in ~7 days
Account opening fee waived
Open New NRI DEMAT Account→
Converting your resident DEMAT account
You already have a Zerodha resident account and need to convert it after moving abroad to stay compliant.
We handle the resident-to-NRI status change with Zerodha
Only NRO-linked conversions supported for now
Your holdings and trade history stay intact
Conversion complete in ~7 days
Account opening fee waived
Convert Existing DEMAT Account→
What Rupeeflo Offers Today
Where are you
starting from?
Either way, we've got you.
Fully digital, no India trip, done from your couch.
Open a NEW
NRI DEMAT account
You're moving abroad, or already have,
and want a fresh NRI trading account with Zerodha.
Pick your route: NRE or NRO, with guidance
Online notarisation included, no Indian embassy visit
Doorstep document courier pickup included
Ready to invest, account live in ~7 days
Account opening fee waived
Open New NRI DEMAT Account→
Converting your
resident DEMAT account
You already have a Zerodha resident account and need to convert it after moving abroad to stay compliant.
We handle the resident-to-NRI status change with Zerodha
Only NRO-linked conversions supported for now
Your holdings and trade history stay intact
Conversion complete in ~7 days
Account opening fee waived
Convert Existing DEMAT Account→
Read More. Know More.
The NRI Guide to Investing in India
(No Jargon)
The NRI Guide to
Investing in India
(No Jargon)
Get Started
Get Started
Open NRI DEMAT account,
From wherever you are!
Open NRI DEMAT account, from
wherever you are!
No Indian SIM. No India visit. Just your phone.
No Indian SIM. No India visit. Just your phone.
Most Asked
Questions NRIs usually ask us
Got more questions?
Feel free to reach out to us on support@rupeeflo.com or fill the form below and we will reach out to you.
Can an NRI Demat account be opened online?
Yes. The entire process is done online through the Rupeeflo app - document upload, notarisation, video verification, and courier are all handled remotely. You don't need to visit India for account opening.
Who is Rupeeflo, and how is it connected to Zerodha?
Rupeeflo is Zerodha's authorised partner for NRI onboarding. Zerodha is the broker - your trades and Demat sit with them. Rupeeflo handles the onboarding journey: forms, notarisation, courier, and ongoing support.
Who can use this?
NRIs and OCIs living abroad who want to open a fresh Zerodha NRI Demat account, or convert their existing resident Zerodha account to an NRI one. Residents can easily open their Demat accounts directly on Zerodha's platform - https://zerodha.com/open-account/
Which countries is this available in?
50+ countries including the US, UK, UAE, Saudi Arabia, Singapore and EU countries.
What documents do I need?
PAN, passport, overseas address proof, visa or residence permit, income proof, and an NRE/NRO bank statement. If you're linking an NRE account via the PIS route, you'll also need a PIS letter from your bank.
I don't have Aadhaar. Can I still open the account?
Yes. Aadhaar isn't required for the NRI Demat onboarding flow. The Rupeeflo journey is built specifically for cases where Aadhaar-based prefill doesn't work.
Do I have to courier physical documents?
Yes, the final signed application form is couriered to Zerodha - but you don't have to organise it. DHL picks up from your door at a slot you choose in the app.
How long does the process take?
Most accounts open within a week of starting the application, depending on how quickly documents are uploaded and the notary slot is scheduled.
What is notarisation, and why is it needed?
Indian regulations require certain documents (passport, address proofs) to be notarised when opening an NRI account. Traditionally this meant a trip to the Indian embassy or consulate. But we handle in on our app with certified notaries, i.e. digital notarization: https://www.rupeeflo.com/products/digital-notarization
Is e-notarisation legally acceptable?
Yes. Electronic notarisation is recognised by SEBI's KRAs (KYC Registration Agencies) as valid for NRI KYC, including overseas address proof. The notary verifies your documents over a video call and signs them digitally with a verifiable e-sign - same legal standing as a physical notarisation, without the embassy visit.
What does Rupeeflo cost?
Rupeeflo charges for notarisation (per document) and the final courier step. The ₹500 Zerodha account opening fee is waived for everyone coming through Rupeeflo. In total you save roughly 50–60% versus the traditional route.
What if my account doesn't open?
In rare cases where the account doesn't open due to a process-related issue with Zerodha, you get a full refund.
Who do I contact for support?
Rupeeflo is your single point of contact through onboarding. Once the account is live, you trade on Zerodha's platforms directly.
Most Asked
Questions NRIs
usually ask us
Got more questions?
Feel free to reach out to us on support@rupeeflo.com or fill the form below and we will reach out to you.
Can an NRI Demat account be opened online?
Yes. The entire process is done online through the Rupeeflo app - document upload, notarisation, video verification, and courier are all handled remotely. You don't need to visit India for account opening.
Who is Rupeeflo, and how is it connected to Zerodha?
Rupeeflo is Zerodha's authorised partner for NRI onboarding. Zerodha is the broker - your trades and Demat sit with them. Rupeeflo handles the onboarding journey: forms, notarisation, courier, and ongoing support.
Who can use this?
NRIs and OCIs living abroad who want to open a fresh Zerodha NRI Demat account, or convert their existing resident Zerodha account to an NRI one. Residents can easily open their Demat accounts directly on Zerodha's platform - <LINK>.
Which countries is this available in?
50+ countries including the US, UK, UAE, Saudi Arabia, Singapore and Nations of the European Union.
What documents do I need?
PAN, passport, overseas address proof, visa or residence permit, income proof, and an NRE/NRO bank statement. If you're linking an NRE account via the PIS route, you'll also need a PIS letter from your bank.
I don't have Aadhaar. Can I still open the account?
es. Aadhaar isn't required for the NRI Demat onboarding flow. The Rupeeflo journey is built specifically for cases where Aadhaar-based prefill doesn't work.
Do I have to courier physical documents?
Yes, the final signed application form is couriered to Zerodha - but you don't have to organise it. DHL picks up from your door at a slot you choose in the app.
How long does the process take?
Most accounts open within a week of starting the application, depending on how quickly documents are uploaded and the notary slot is scheduled.
What is notarisation, and why is it needed?
Indian regulations require certain documents (passport, address proofs) to be notarised when opening an NRI account. Traditionally this meant a trip to the Indian embassy or consulate. But we handle in on our app with certified notaries, i.e. digital notarization. <Link to notarization product page>
Is e-notarisation legally acceptable?
Yes. Electronic notarisation is recognised by SEBI's KRAs (KYC Registration Agencies) as valid for NRI KYC, including overseas address proof. The notary verifies your documents over a video call and signs them digitally with a verifiable e-sign - same legal standing as a physical notarisation, without the embassy visit.
What does Rupeeflo cost?
Rupeeflo charges for notarisation (per document) and the final courier step. The ₹500 Zerodha account opening fee is waived for everyone coming through Rupeeflo. In total you save roughly 50–60% versus the traditional route.
What if my account doesn't open?
In rare cases where the account doesn't open due to a process-related issue with Zerodha, you get a full refund.
Who do I contact for support?
Rupeeflo is your single point of contact through onboarding. Once the account is live, you trade on Zerodha's platforms directly.
Rupeeflo
Demat. Digital notarization. Document courier. Money transfers. All done from the comfort of your couch.
For all NRI related news and updates.
Stay ahead with Rupeeflo
Subscribe To Our Newsletter
Rupeeflo platform is owned and operated by DMA Rupeeflo Technologies Private Limited, which facilitates digitised and seamless process for opening of DEMAT & Trading accounts with various SEBI registered stockbrokers in India. The ultimate approval and activation of DEMAT & Trading accounts, are at stockbroker’s sole discretion; and upon opening of account, your relationship is exclusively governed by the respective stockbroker’s terms and conditions. Globalnest Securities Private Limited, a subsidiary of DMA Rupeeflo Technologies Private Limited is a NSE registered Authorised Person (AP) - AP2516005033 of Zerodha Broking Limited, a SEBI registered Stockbroker.
Rupeeflo
Demat. Digital notarization. Document courier. Money transfers. All done from the comfort of your couch.
For all NRI related news and updates.
Stay ahead with Rupeeflo
Subscribe To Our Newsletter
Rupeeflo platform is owned and operated by DMA Rupeeflo Technologies Private Limited, which facilitates digitised and seamless process for opening of DEMAT & Trading accounts with various SEBI registered stockbrokers in India. The ultimate approval and activation of DEMAT & Trading accounts, are at stockbroker’s sole discretion; and upon opening of account, your relationship is exclusively governed by the respective stockbroker’s terms and conditions. Globalnest Securities Private Limited, a subsidiary of DMA Rupeeflo Technologies Private Limited is a NSE registered Authorised Person (AP) - AP2516005033 of Zerodha Broking Limited, a SEBI registered Stockbroker.
Rupeeflo
Demat. Digital notarization. Document courier. Money transfers. All done from the comfort of your couch.
For all NRI related news and updates.
Stay ahead with Rupeeflo
Subscribe To Our Newsletter
Rupeeflo platform is owned and operated by DMA Rupeeflo Technologies Private Limited, which facilitates digitised and seamless process for opening of DEMAT & Trading accounts with various SEBI registered stockbrokers in India. The ultimate approval and activation of DEMAT & Trading accounts, are at stockbroker’s sole discretion; and upon opening of account, your relationship is exclusively governed by the respective stockbroker’s terms and conditions. Globalnest Securities Private Limited, a subsidiary of DMA Rupeeflo Technologies Private Limited is a NSE registered Authorised Person (AP) - AP2516005033 of Zerodha Broking Limited, a SEBI registered Stockbroker.
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