NRI Plot Purchase Loan Kerala 2026 — Complete Guide
NRIs can purchase residential and commercial plots in Kerala and finance them with a plot purchase loan. This guide covers eligibility, interest rates, permitted plot types, and key FEMA rules for NRI plot purchases in 2026.
Key Features
- Loan amount: Up to ₹5 Crores
- Interest rates: From 9.0% p.a.
- Tenure: Up to 15 years
- LTV: Up to 75% of plot value
- Eligible: NRIs, PIOs, OCIs for residential & commercial plots
- Note: Agricultural land NOT permitted for NRI purchase
FEMA Rules for Plot Purchase
- NRIs can buy residential and commercial plots freely
- Agricultural land, plantation land, farmhouses — NOT permitted
- Payment via NRE/NRO/FCNR account or inward remittance only
- No limit on number of plots owned
Related: Full FEMA & Property Legal Guide →
Best Areas for Plot Purchase in Kerala
- Kochi periphery: Kakkanad, Thrippunithura, Angamaly — high appreciation
- Trivandrum: Attingal, Nedumangad, Balaramapuram
- Kozhikode: Feroke, Ramanattukara, Perambra
- Thrissur: Irinjalakuda, Chalakudy, Kodungallur
- Kannur: Payyanur, Iritty, Thalassery
Related: Full Plot Purchase Guide →
Property Guides
- NRI Property Investment Hub
- Plot Purchase Guide
- Property Legal Guide | Property Tax Guide
- Apartments | Villas | Commercial
City-Specific Guides
Kochi | Trivandrum | Kozhikode | Thrissur | Malappuram | Kannur
Country-Specific Guides
UAE | Saudi Arabia | Qatar | Kuwait | UK | USA | Canada | Australia
Related Blog Articles
- NRI Home Loan — Rates & Eligibility
- NRI Home Construction Loan Guide
- NRI Property Laws — FEMA Rules
- Loan Against Property Guide
- NRI Banking — NRE vs NRO vs FCNR
- NRI Family Relocation Guide
📌 Ready to Buy a Plot in Kerala?
📞 Free NRI Consultation → | NRI Kerala Complete Resource Hub →
⚠️ Disclaimer: Loan eligibility and rates subject to lender approval and RBI/FEMA guidelines. Blueberry is a financial services facilitator. RBI · FEMA · ASCI compliant.