I am confused about LRS vs GIFT City for US stocks. What is the cleanest way to invest Rs 50K a month globally?

Published 28 September 2026

Meenal from Bengaluru
I want to start a monthly SIP of about Rs 50K into US index funds.

I am totally confused by the different routes available.

Should I use international mutual funds, go through a foreign broker under LRS, or use this new GIFT City route?

I want something compliant, easy to track and with low fees.
Sachin Kabra Sachin Kabra ex-Director HDFC Private Wealth, Business Head Motilal Oswal AMC LinkedIn
One of the easiest and efficient way to invest in global markets right now is through platforms that provide access via GIFT City. GIFT City is currently the most compliant and regulated framework for Indian citizens to invest in global equities. When you use a platform like Tickertape your US investment account is fully compliant with the IFSCA Global Access Provider framework.

Though buying US ETFs via IBKR or INDMoney is also quite easy as they now provide all the tax documents as well..but you need to be extra careful of filling these tax forms yourself.

For the gift city route, you can often create your US account within 10 minutes and start investing in global stocks almost immediately. This allows you to access low-cost index funds and ETFs in the US via a Gift-City fund route i.e an Indian AMC buys the underlying ETFs and you buy the wrapper fund of the indian AMC.

Another major advantage of the gift-city funds is portfolio consolidation which is a huge quality-of-life feature. Managing domestic and international portfolios on separate apps can be very cumbersome. Modern platforms allow you to track your US investments alongside your Indian stocks and mutual funds in one single place.

By using your PAN and Aadhaar you can connect your existing domestic broker accounts like Zerodha or Angel One. This means you can track your entire net worth under one roof without jumping between different apps. So if you are looking for a clean, regulated and easy-to-track (with least taxation compliance hassle), this method for your Rs 50k monthly investment the GIFT City route is the way to go.

Disclaimer: All information shared above are strictly for educational and informational purposes only. It should not be construed as financial or investment advice.
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