21/08/2026
₹10 Cr in an FCNR deposit. What if the capital could be structured differently?
For NRIs, the conversation shouldn’t stop at the interest rate on a deposit. It should start with how capital is deployed, leveraged and made to work.
In this example:
🏦 FCNR-only strategy: ~8.8% XIRR*
🏠 Property + leverage strategy: ~12.2% XIRR*
The concept: Acquire a leased property, unlock capital by taking loan on property, and deploy that capital into another return-generating avenue - while the underlying asset continues to generate potential rental income and appreciation.
At AFINUE, we believe better wealth decisions begin with understanding the structure behind the return.
*Illustrative example based on stated assumptions.