How to Invest in US Stocks from India – Step-by-Step Beginner’s Guide (2025)
Want to invest in Apple, Tesla, or Google from India? Here’s your complete guide to investing in US stocks legally and safely in 2025.
In recent years, investing in the US stock market has become increasingly popular among Indian investors. With global tech giants like Apple, Amazon, Tesla, and Google driving innovation, many Indians are eager to take part in their success.
The good news? You don’t need to live in the USA or have a dollar account to invest. Thanks to modern fintech platforms, you can now invest in US stocks right from your smartphone in India — legally and with full regulatory compliance.
In this blog, we’ll explore how to invest in US stocks from India in 2025, the best apps, legal framework, charges, taxes, and everything else you need to know as a beginner.
Is It Legal to Invest in US Stocks from India?
Yes, absolutely. The Reserve Bank of India (RBI) allows Indian residents to invest in foreign assets through the Liberalized Remittance Scheme (LRS). Under LRS, Indian citizens can legally send up to $250,000 per financial year abroad for investing, education, or travel purposes.
So, you can easily fund a US brokerage account and invest in shares listed on Nasdaq or NYSE, including major companies like Apple, Microsoft, and Amazon.
Best Platforms to Invest in US Stocks from India (2025)
Here are the top trusted platforms that allow Indians to invest in US markets with ease:
🔹 1. INDmoney
- Commission-free investing
- Easy KYC process
- Supports fractional investing
- Offers zero-fee fund transfers (up to limit)
🔹 2. Vested
- Beginner-friendly platform
- Provides curated portfolios (Vests)
- RBI-compliant remittance process
- $0 commission on trades
🔹 3. Groww (US Stocks)
- Popular for Indian stocks; now offers US investing
- No account opening charges
- INR-to-USD funding via partner bank
🔹 4. Zerodha + Stockal
- Integration of Zerodha account with Stockal platform
- Allows investing in US markets directly
- Known for transparency and safety
🔹 5. Cube Wealth
- Focuses on wealth management
- Offers curated US portfolios managed by experts
Each of these platforms lets you buy fractional shares, so even if a single Amazon stock costs over $100, you can invest as low as ₹100 or ₹500.
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Step-by-Step Guide to Start Investing
If you’re a beginner, here’s how you can start investing in US stocks from India:
🔸 Step 1: Choose a Platform
Select a trusted app like INDmoney, Vested, or Groww based on your needs.
🔸 Step 2: Complete KYC
Upload your PAN card, Aadhar card, and other required documents. Verification is usually done within 24–48 hours.
🔸 Step 3: Fund Your Account
Transfer INR to USD using the app’s linked partner bank (like HDFC or ICICI). Ensure it is LRS-compliant.
🔸 Step 4: Buy US Stocks
Once the USD amount reflects in your brokerage account, start buying US stocks or ETFs — even fractional ones.
🔸 Step 5: Monitor & Track
Use app tools to monitor your portfolio performance, dividend returns, and market updates.
Charges & Currency Conversion Fees
Before investing, you must know the charges involved:
- Currency Conversion Fee: Usually around 0.5% to 2% per transaction
- Forex Transfer Fee: ₹500–₹1,000 depending on bank
- Brokerage Fee: Most platforms are commission-free
- US Tax Withholding: Dividends are taxed at 25-30% by the US (You can claim tax credit in India)
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Taxation on US Stocks in India
There are two key components:
- Dividends: Taxed in the US and again taxed in India (can claim DTAA relief)
- Capital Gains:
- Short-term (<24 months): Taxed as per Indian slab
- Long-term (>24 months): Taxed at 20% with indexation
Don’t forget to declare these foreign investments in your ITR if you’re an Indian resident.
Best US Stocks to Watch in 2025
Here are a few top-performing companies that Indian investors are watching in 2025:
| Company | Sector | Reason to Watch |
|---|---|---|
| Apple (AAPL) | Tech | Consistent performer, huge cash flow |
| Tesla (TSLA) | EV/Auto | Innovation-driven, high growth potential |
| Nvidia (NVDA) | AI/Chips | Leader in AI computing chips |
| Amazon (AMZN) | E-commerce/Cloud | Global expansion, AWS growth |
| Microsoft (MSFT) | Tech | Strong fundamentals, cloud dominance |
For safe entry, you can also consider ETFs like:
- SPY (S&P 500 Index)
- QQQ (Nasdaq Top 100)
- VTI (Total US Market)
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Tips for Safe and Smart Investing
- Start small with fractional shares
- Diversify between tech, pharma, energy, and ETFs
- Don’t follow hype — do your own research
- Avoid penny stocks or volatile Reddit-driven trends
- Always keep track of exchange rates
Frequently Asked Questions (FAQs)
Q1. Can I invest less than ₹1,000 in US stocks?
Yes! With fractional investing, you can invest with very small amounts.
Q2. Is investing in US stocks risky?
Like all investments, risk is involved. However, US stocks are among the most stable and regulated globally.
Q3. How do I withdraw money from my US investment account?
You can sell stocks, convert USD to INR, and transfer the funds back to your Indian bank account. Taxation rules will apply.
Q4. Can students or housewives invest in US stocks?
Yes, anyone with valid PAN, Aadhaar, and a bank account under LRS can invest.
Investing in US stocks from India is no longer complicated. In 2025, with platforms like INDmoney, Vested, and Groww, the entire process is digital, safe, and beginner-friendly. Whether you’re aiming for long-term wealth or global diversification, US stock investing is an opportunity you shouldn’t miss.
Start small, stay consistent, and diversify smartly.
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