Buying Property in Mohali from the UK — NRI Guide (FEMA, Tax, Repatriation)

In short — NRIs and OCI holders in the UK can legally buy residential and commercial property in Mohali, including transferable GMADA Aerotropolis LOIs, under FEMA. The UK hosts one of the oldest and most established Punjabi communities, with deep family ties to the Mohali region. Payment routes through NRE/NRO accounts; repatriation is permitted within RBI limits; and India's DTAA with the UK prevents double taxation. A registered Power of Attorney enables purchase without travelling.

the UK → Mohali · at a glance

Punjabi diaspora	~800K Punjabis
Share of NRI enquiries	28% of NRI enquiries
Currency	GBP (British Pound) · ≈ ₹104.2
Payment route	NRE / NRO account, settled in INR
Tax treaty	India–the UK DTAA in force
Power of Attorney	High Commission of India, London; consulate in Birmingham
Time difference	4.5–5.5 hours behind IST
Connectivity	LHR / BHX → DEL → IXC
LOI price range	₹100,000–110,000 / sqyd
Active pockets	A, B, C, D only

Buying from the UK — the process

Shortlist & verify

Pick a plot or LOI from live listings and verify the LOI number with GMADA before committing.

Open NRE/NRO & appoint PoA

Open an NRE or NRO account and register a Power of Attorney, signed before the Indian mission in the UK and apostilled.

Remit funds & keep FIRC

Wire the amount plus ~8–10% for duty and fees. Retain the FIRC for every transfer for repatriation.

Register & transfer

Your PoA registers the sale deed at the Mohali Sub-Registrar and files the GMADA transfer; a new LOI issues in your name.

Indian missions in the UK — PoA, OCI & attestation

A power of attorney for India from the UK is executed through the missions below (or their service provider), then registered in India. Consular services (PoA attestation, OCI, PCC) are handled through VFS Global.

High Commission of India, London	London · www.hcilondon.gov.in
Consulate General of India, Birmingham	Birmingham (Midlands & north) · www.cgibirmingham.gov.in
Consulate General of India, Edinburgh	Edinburgh (Scotland & NI) · www.cgiedinburgh.gov.in

Punjab helplines for NRI property matters

Punjab NRI helpline (Dept of NRI Affairs)	1100 in India · +91-411-1905-1100 from abroad · nri.punjab.gov.in
Punjab Police NRI Wing (HQ Phase 7, Mohali)	+91-172-2260042 / 43 · 24×7 line +91-172-2298543 · complaints via pgd.punjabpolice.gov.in
Punjab State Commission for NRIs	+91-172-2741330 · nricommissionpunjab.com
MEA consular grievances (MADAD)	madad.gov.in
RERA Punjab (verify projects/agents)	rera.punjab.gov.in

Flights: the UK → Chandigarh (IXC)

No non-stop the UK-IXC service. Standard routing is London (LHR) to Delhi (DEL) non-stop on Air India, British Airways or Virgin Atlantic (~8.5 h), then DEL to IXC (~1 h, high frequency). Birmingham and Manchester connect via DEL or the Gulf. Live departures and arrivals: IXC flight board.

Live inventory for the UK-based buyers

PKT D

Property

50 sqyd · ₹2,000/sqyd

₹1 L

PKT D

Property

50 sqyd · ₹2,000/sqyd

₹1 L

PKT D

Property

50 sqyd · ₹2,000/sqyd

₹1 L

PKT D

Property

50 sqyd · ₹2,000/sqyd

₹1 L

PKT D

Property

50 sqyd · ₹2,000/sqyd

₹1 L

PKT D

Property

50 sqyd · ₹2,000/sqyd

₹1 L

PKT D

Property

50 sqyd · ₹2,000/sqyd

₹1 L

PKT B

Loi · LOI · Aerotropolis

150 sqyd · ₹166,667/sqyd

₹2.5 Cr

PKT D

Loi · LOI · Aerotropolis

150 sqyd · ₹35,000/sqyd

₹52.5 L

All NRI-eligible listings →

Full FEMA rules, tax tables, currency & capital-gains calculators, and the complete step-by-step guide live on the NRI hub.

Open the full NRI guide →

FAQ — the UK

Can a buyer in the UK purchase property in Mohali?

Yes. Under FEMA, NRIs and OCI cardholders in the UK can buy residential and commercial property in India, including GMADA Aerotropolis LOIs and developed plots. Agricultural land, plantations and farmhouses remain restricted.

How do I pay from the UK?

Funds are routed through an NRE or NRO account with an Indian bank and settled in INR. Keep the FIRC for every transfer from the UK for repatriation later. Payment in cash is not used.

Can I buy without flying to India?

Yes. A registered Power of Attorney, signed before the Indian mission in the UK and apostilled, lets a trusted representative complete registry and GMADA transfer on your behalf.

Will I be taxed twice between India and the UK?

India has a Double Taxation Avoidance Agreement with the UK. Capital gains are taxed in India and credited against your liability at home, so the same gain is not taxed twice.

Can an OCI holder in the UK buy property in India?

Yes. OCI cardholders have the same property rights as NRIs under FEMA: residential and commercial property, including GMADA LOIs and plots, with no limit on count. Agricultural land, plantations and farmhouses remain restricted. An Aadhaar card is not required to buy; PAN is needed for the transaction and tax filings.

How do I make a power of attorney for India from the UK?

The UK is a Hague Apostille member: a PoA notarised in the UK and apostilled by the FCDO Legalisation Office needs no further attestation by the Indian mission. Alternatively, sign it before the High Commission via VFS. Send the original to India and register it at the Sub-Registrar.

Can I open an NRE account from the UK?

Yes. SBI UK, ICICI Bank UK and Bank of Baroda (UK) operate locally, and major Indian banks open NRE/NRO accounts remotely with notarised KYC documents. No India visit is required.

Data sourced from MA's verified dealer listing network, refreshed hourly. Diaspora, enquiry-share and currency figures are indicative — verify FEMA/RBI limits, tax rates and exchange rates before transacting. MA is a property intelligence platform, not a RERA-registered agent; nothing here is investment or tax advice or a solicitation. · Canonical guide: NRI hub · Last refreshed: 28 Jul 2026 · Publisher: Fidus Synergies LLP.