GIFT City Minimum Investment Amounts and Limits, in One Table
By Anup Vatyani, AMFI-registered Mutual Fund Distributor (ARN 106715)
Last reviewed October 2026
The short answer. GIFT City has no single minimum. Retail funds can start at a few thousand US Dollars, PMS at USD 75,000 and most AIFs at USD 150,000. Resident Indians also work within the LRS limit of USD 250,000 a year, with TCS above ₹10 lakh.
Retail tier vs high-ticket tier
Retail tier
Small to moderate amounts, for individual investors
High-ticket tier
USD 75,000 and above, for HNIs, families and institutions
Minimums by product
| Product | Typical minimum | Who it suits |
|---|---|---|
| US stocks and ETFs via an IFSC broker | Can be under USD 100 (fractional) | Do-it-yourself investors |
| Retail scheme / feeder fund | From USD 500 for some schemes | Most individual investors |
| USD fixed deposit at an IFSC Banking Unit | Set by each bank | Savers wanting dollar deposits |
| Portfolio management services | USD 75,000 | Larger investors wanting a managed portfolio |
| Restricted scheme (AIF) | Commonly USD 150,000 | Experienced, high-ticket investors |
| Venture capital scheme | High; accredited or high-ticket investors | Start-up investors |
| Family investment fund | High minimum corpus | Wealthy families |
Typical minimums, USD
- Retail scheme (lowest seen)500
- PMS75,000
- Restricted scheme (AIF)150,000
Limits for resident Indians
| LRS limit | USD 250,000 per person per financial year, all purposes combined |
| TCS threshold | No TCS on the first ₹10 lakh of LRS remittances a year; 20% above it on investments (FY 2026-27) |
| Calculator | Work out TCS on your amount |
Not sure which route applies? Use the route checker.
Common questions
What is the minimum investment in GIFT City?
It depends on the product: retail schemes and feeder funds set their own minimum, often a few thousand US Dollars; PMS needs USD 75,000; restricted schemes (most AIFs) commonly USD 150,000; US stocks and ETFs through IFSC brokers can start very small.
What is the minimum amount for NRIs to invest in GIFT City?
The same product minimums apply to NRIs. NRIs face no LRS limit or TCS, because their money does not leave India.
Is there a maximum for resident Indians?
Yes. Resident Indians can send up to USD 250,000 a financial year under LRS, across all purposes. TCS of 20% applies to investment remittances above ₹10 lakh a year and is credited back in the income tax return.
Official sources
Rules change. Check the current position with the authority that sets it.
- IFSCA — International Financial Services Centres Authority — The regulator for all financial services in GIFT IFSC.
- RBI — FAQs on the Liberalised Remittance Scheme — The annual limit and permitted purposes for resident Indians.
- Income Tax Department, Government of India — The Income-tax Act, including Section 10(4D), and TCS rules.
Have a question about how this works?
Anup Vatyani explains GIFT City fund structures and the investment process in plain English. Educational conversation only, not personalised advice.
Talk to AnupThis page is educational and is not investment, tax or legal advice. Figures and rules are as understood at the date shown and can change; check the official sources and the scheme's offer documents. Investments are subject to market risks; read all scheme-related documents carefully.