EB-5 Visa vs Indian Real Estate
Should you invest $800k in the US for a Green Card or buy luxury property in India? Compare global residency vs local capital growth.
Real-World Scenarios
Investment in a TEA (Targeted Employment Area). Yield is typically low (1-2%), but the ₹Real₹ return is US residency for the whole family. High legal fees ($50k+) involved.
At 8% growth. High liquidity in ready properties. But you remain tied to a single geography. Best only if your family₹s future is firmly in India.
Professional Strategy Insights
- The Currency Play: By investing in USD, you gain from Rupee depreciation (3-4% annually). Your ₹6.7Cr today could be ₹9Cr in 7 years purely in exchange rate terms, even if the US project yield is zero.
- Regional Center Choice: Pay for a professional audit of the regional center. 90% of EB-5 failures are due to poor project selection, not US government policy. Safety of principal is priority over the visa.
Frequently Asked Questions
Is EB-5 money returned?
Yes, once the project is completed and immigration conditions are met (typically 5-7 years). But ensure the developer is top-tier; otherwise, you risk both the Green Card and the capital.
What is the opportunity cost?
$800k in US Index Funds would earn ~8% CAGR. By doing EB-5, you ₹Pay₹ the difference in returns as the fee for your US residency.
Mathematical Methodology
At eCalcy, transparency is our core principle. This SIP calculator utilizes the Future Value (FV) of Annuity Due formula with monthly compounding intervals (n=12). We account for compounding frequencies (Quarterly for FD, Monthly for SIP/EMI) to ensure high accuracy compared to official bank statements.
Financial Disclaimer
Calculations provided by eCalcy are estimates for educational purposes only. They do not constitute financial advice. Fixed deposit rates and mutual fund returns are subject to market risks and bank policy changes.
Always consult a SEBI-registered advisor or certified CA before making investment decisions.
Verified Data Sources
Ritesh Narang
Editorial AuthorLead Finance Researcher & Editorial Director, eCalcy
Financial technology and calculator design
Reviewed: April 2026
eCalcy publishes calculator logic, methodology notes, and editorial pages so users can see the assumptions behind each result. The tools are for planning and education only, and critical financial decisions should still be checked against official sources or a licensed professional.