Your guide to investing in the US and global stocks through the Liberalized Remittance Scheme

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Imagine a day without Google, an Uber ride, WhatsApp, or even spreadsheets at work. Picture an evening without Instagram memes or relaxing on a weekend without Netflix. It seems almost unfathomable, doesn’t it? These platforms have woven themselves deeply into our daily lives, serving billions globally. So, why not seize the opportunity to invest in the companies that power these experiences?

Investing in US stocks allows Indian investors to own a slice of the world’s most influential companies, while global exchange-traded funds (ETFs) provide an avenue to diversify portfolios beyond domestic markets. While India’s mutual fund (MF) industry has hit the Reserve Bank of India’s $7 billion cap for overseas investments, platforms such as Vested Finance, INDmoney, and Appreciate offer an alternative route for Indian investors to access US markets through the Liberalized Remittance Scheme (LRS).

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Under the Liberalized Remittance Scheme, Indian residents are allowed to remit up to $250,000 annually. Platforms like Vested Finance, INDmoney, and Appreciate have leveraged this provision to simplify US stock and ETF investments.

The process begins with a Know Your Customer (KYC) verification, which is fully digital across all three platforms. “The KYC process on the INDmoney app is entirely digital and takes just a few minutes to complete," says Ashish Kashyap, founder and CEO of INDmoney. “All you need is your PAN card and Aadhaar details."

Appreciate offers a similar experience. “The KYC process on the Appreciate app can be completed in 5-6 minutes using just your PAN card and Aadhaar," explains Shlok Srivastav, co-founder and