🌍 Invest in US Stocks With INDMoney from India with Just $1– A Step-by-Step Guide📈

Last Updated on June 13, 2025 8:04:18 PM by Vivek Makwana

Learn how to invest in US stocks from India with just $1 using INDmoney. Follow our step-by-step guide to open an account, complete KYC, fund your wallet, and buy fractional shares commission-free. Start diversifying your portfolio today!

✅ Why Invest in US Stocks from India?

1. 🌐 Global Diversification

Diversification is a smart investment strategy where you spread your money across different assets to reduce risk. Instead of putting all your money in one stock or market, you invest in a mix of companies, industries, and even countries. Global Diversification means adding international stocks like those from the US market to your investment portfolio. By investing in global giants such as Apple, Tesla, or Microsoft, Indian investors can reduce their exposure to local market fluctuations and benefit from global growth opportunities. It also adds a currency advantage, as your investments grow in US dollars, which may appreciate against the Indian rupee over time. This approach makes your portfolio more stable, balanced, and better prepared for long-term success.

2. 💵 Currency Advantage

One of the biggest benefits of investing in US stocks from India is the currency advantage. When you invest in global markets like the US, your money is held in US dollars (USD). Over time, if the US dollar strengthens against the Indian rupee (INR) which often happens your returns increase when converted back to rupees. For example, if your investment grows by 10% in USD and the dollar also gains 5% against the rupee, your overall return in INR becomes even higher. This dual-growth potential offers a natural hedge against currency depreciation, making international investing a smart way to protect and grow your wealth over the long term.

3. 🚀 Access to Global Leaders

Investing in US stocks gives Indian investors direct access to the world’s most valuable and innovative companies. From tech giants like Apple, Google, Microsoft, and Amazon to electric vehicle pioneers like Tesla, the US stock market is home to industry leaders driving global growth. These companies are not only household names but also dominate their sectors with cutting-edge products and massive global reach. By owning even a small fraction of these stocks, you get the chance to benefit from their long-term performance and global expansion. This exposure helps you build a stronger, future-ready portfolio that goes beyond the limitations of local markets.

4. 🧩 Fractional Investing

Fractional Shares allow investors to buy a portion of a full stock, rather than purchasing one whole share. This means you can invest in expensive stocks like Apple, Tesla, or Amazon with as little as $1 (around Rs84). For example, if one share of Amazon costs $100, investing $10 gives you 0.10 fractional shares. This makes US stock investing affordable and accessible for everyone. Whether you’re starting small or building a diversified global portfolio, fractional investing helps you spread your money wisely—without waiting to save up for full shares.

🔍 Benefits of Using INDMoney

INDMoney is tailor-made for Indian investors, offering the following advantages:

• Low Minimum Investment: Start with as little as $1 (Rs84).
• No Platform or Withdrawal Fees (for selected bank accounts).
• Fractional Share Investing: Buy a small part of any US stock.
• SIP Option: Set up weekly or monthly SIPs in US stocks.
• Advanced Tools: Get stock analysis, price alerts, and portfolio tracking.
• Trusted US Broker Partners: INDMoney works with SEC and FINRA-regulated US brokers like DriveWealth and Alpaca Securities.
• Two Investment Options:
  • Global Access: Invest directly in 9,000+ US stocks & 1,000+ ETFs through US brokers under RBI’s LRS.
  • Direct Access (NSE IFSC): Trade select US stocks listed on NSE IFSC, GIFT City, without LRS remittance.

📲 How to Start Investing with INDMoney

• 1) Download the INDmoney App:

• Install the INDmoney app from the Google Play Store or Apple App Store.
• Sign up by entering your mobile number and creating an account with basic personal details (name, date of birth, address).
• 2) Complete KYC (Know Your Customer):

• Upload a clear image of your PAN card and Aadhaar card for identity verification.
• Record a short selfie video as part of the KYC process to confirm your identity.
• The KYC process is digital, paperless, and typically takes 1-2 days to verify.
• 3) Open a US Stocks Account:

• Navigate to the “US Stocks” section in the INDmoney app.
• Follow the prompts to create a free 2-in-1 US Stocks Account (combining direct and global access accounts).
• Provide additional documents if required, such as a bank statement or the latest Income Tax Return (ITR) acknowledgment for regulatory checks.
• 4) Link Your Bank Account:

• Connect your Indian bank account (e.g., HDFC, Axis, or Federal Bank) to fund your US stocks account.
• Provide your bank account number, IFSC code, and MICR code.
• Alternatively, create a free savings account with Federal Bank via INDmoney for seamless transfers.
• 5) Fund Your US Stocks Account:

• Go to the “US Stocks” section and select “Add Money.”
• Choose the amount in INR, and the app will display the equivalent USD after currency conversion.
• Use UPI or net banking to transfer funds. For example:
  • HDFC Bank: Link via UPI, enter your HDFC Customer ID, and authenticate with an OTP. Funds convert to USD and reach your US stocks wallet within 12-24 hours.
  • Axis Bank: Redirect to Axis internet banking, review the prefilled transfer details, and confirm.
  • Federal Bank: Complete Aadhaar eKYC, add funds via UPI, and sync a bank statement or ITR.
• Note: A 5% TDS (Tax Deducted at Source) may apply on transfers above Rs7 lakh, claimable during tax filing. Currency conversion charges also apply.
• 6) Choose and Buy US Stocks or ETFs:

• Search for stocks by company name (e.g., Apple, Meta) or ticker symbol (e.g., AAPL, META).
• Use INDmoney’s collections (e.g., Top Tech, US Baskets) or sorting options (market cap, returns) to explore options.
• Enter the investment amount (as low as $1 for fractional shares) or quantity (e.g., 0.5 shares).
• Set a trigger price for automated buying if you want to purchase at a specific price (e.g., buy Meta at $350).
• Confirm the purchase. Trades execute during US market hours (7:00 PM to 1:30 AM IST, with extended pre-market and after-market hours).
• 7) Monitor and Manage Your Investments:

• Track real-time stock prices, portfolio performance, and market alerts via the app.
• Set up Systematic Investment Plans (SIPs) for weekly or monthly investments.
• Sell stocks by selecting the stock, entering the amount or quantity, and setting a trigger price if desired. Proceeds reflect in your account instantly.
• 8) Withdraw Funds:

• Sell your stocks, and transfer the proceeds to your linked Indian bank account (takes 2-3 business days).
• A $5 withdrawal fee applies per transaction, so consider withdrawing in bulk to save costs.

💡 Taxation and Charges

📑 Taxes for Indian Investors

• Long-Term Capital Gains (LTCG): 12.5% for holdings over 24 months (approximate; consult your CA).
• Short-Term Capital Gains (STCG): Taxed as per your income tax slab.
• Dividends: 25% withholding tax in the US. Claim a foreign tax credit under India-US DTAA.
• TCS: 20% Tax Collected at Source on remittances above Rs7 lakh/year under LRS (refundable in ITR).

💸 Fees and Charges

Always consult a tax advisor to ensure correct filing and compliance.

🔐 Is INDMoney Safe?

Yes, INDMoney is considered safe for Indian investors:

• Regulated by IFSCA for Direct Access (NSE IFSC).
• Partners with SEC and FINRA-regulated brokers for Global Access.
• SIPC Insurance covers up to $500,000 for your US investments.

🎯 Final Thoughts

Investing in US stocks is no longer complicated or expensive. With platforms like INDMoney, you can diversify globally, tap into high-growth companies, and start small all from your phone. Whether you’re saving for retirement, a child’s future, or building wealth step by step, US stock investing can be a powerful addition to your portfolio.

🚀 Ready to Begin?

👉 Download INDMoney, open your free account, and start investing in top US companies like Apple, Tesla, or Amazon starting with just $1.
Your global investing journey starts today!

🔔 Disclaimer:

Investing in securities is subject to market risk. Past performance is not indicative of future results. Always do your own research or consult a financial advisor before making investment decisions.