Invest in US Stocks from India Online

Yes, it is safe to invest in US stocks via INDmoney. INDmoney US stocks is regulated by IFSCA (International Financial Centre Authority, GIFT city, Gandhinagar - Regulatory body established by Government of India). 

Click here to see the licence https://ifsca.gov.in/DirectoryList

Your ‘Global access’ accounts and stocks are SIPC-protected up to $500,000, including $250,000 for cash.

You can invest in US stocks with just $1 (approximately ₹90). Investing in US stocks allows you to have a fractional ownership of stocks and ETFs that you use on a regular basis like Apple, Netflix, Google, and Microsoft.

Read more about Fractional Ownership

Yes, investing in US stocks is completely legal for Indian residents. Your remittance towards investing in US Stocks via the Liberalized Remittance Scheme (LRS) is regulated by the Reserve Bank of India (RBI). As an Indian, you are allowed to remit up to $250,000 a year.

Read more about Liberalised Remittance Scheme

INDmoney US stocks is regulated by IFSCA, GIFT city Gandhinagar with the following licence numbers : 

IFSCA Broker Dealer Registration No: IFSC/BD/2023-24/0016

FSCA GAP authorization No: IFSCA/GAP/BD/2025-26/002

Investing in US stocks through INDmoney is highly affordable and competitive in the industry, with minimal charges:

• Opening a US stocks account via INDmoney is Free
• Zero AMC (Annual Maintenance Charges)

Read more about INDmoney charges

To open a US stocks account with INDmoney, you must complete the 100% digital KYC (Know Your Customer) process, which is required before investing. The essentials are:

Mobile number: to sign up and receive OTPs.

PAN card: primary identity document.

Aadhaar card: used for verification.

Selfie/video verification: you’ll record a selfie or short video during the process to complete identity verification.

Personal/Bank Details: For additional verifications.

To add money to your US stocks account on INDmoney, you use the “Add money” option in the US Stocks section of the app and initiate a transfer from your Indian bank. Your INR will be converted into USD, and then credited to your US stocks wallet.

Once the USD hits your US stocks wallet (typically within 12–24 hrs), you can start investing in US stocks.

Read complete process of Adding Money to US account

Yes, Indian residents do receive dividends on their US stocks, credited directly to their US stocks wallet for free. For example, if Apple pays a $1 dividend and you hold 0.5 shares, you're entitled to $0.50. After up to 25% US withholding tax, you’ll receive $0.375. This deducted amount can be claimed as a foreign tax credit when filing taxes in India. You can use the credited dividend to reinvest in US stocks or withdraw it to your Indian bank account.

Read all about US Stocks Dividend

DriveWealth LLC and Alpaca Securities LLC, regulated by SEC and FINRA, with investments protected by SIPC up to $500,000 including $250,000 for cash.

For Indian residents:

• Short‑Term Capital Gains(STCG): If US stocks are sold within 24 months, gains are taxed as per your income‑tax slab.
• Long‑Term Capital Gains(LTCG): If sold after 24 months, gains are taxed at 12.5% without indexation.

Read all about Tax Implications on US Stocks

FIFO stands for First-In, First-Out. It is a method used to track which shares are sold when you make a sale, especially when you’ve bought the same stock multiple times at different prices. Under FIFO, the oldest shares (first bought) are assumed to be sold first. This is the standard method used in India (as per Income Tax rules) and globally.

Note - When shares are sold, the invested value is not reduced by the sale proceeds. Instead, the invested value is adjusted based on the original cost of the shares sold, which is calculated using the FIFO (First In, First Out) method.
To understand the entire methodology in detail with examples, read this blog