What an Indian applicant gives up first
India does not allow dual citizenship. Under Section 9 of the Citizenship Act, 1955, an Indian citizen who voluntarily acquires the citizenship of another country stops being an Indian citizen. The Indian passport has to be surrendered, and the usual way back to long-term rights in India is the Overseas Citizen of India (OCI) card, which has its own eligibility rules.
So the first question in any citizenship-by-investment conversation is whether citizenship is what you actually need. If the goal is a place to live, study or run a business, a residence permit — a golden visa — often does the job while you keep your Indian passport. If the goal is a passport for travel, banking or a family plan B, citizenship may be the right tool. We will tell you which one your situation points to before anything else.
How a citizenship-by-investment case runs
It starts with eligibility: nationality, age of dependants, source of funds and any past refusal or record are checked against the rules of the programme you are considering. Every programme runs its own due diligence on the main applicant and adult family members, and that check is the step most cases are decided on.
For an Indian applicant the source-of-funds file is usually the longest job. Income-tax returns, business distributions, property sale deeds and inheritance papers have to show, in a way a foreign government can follow, where the money came from. Starting this early saves more time than anything else.
Applications are lodged through an agent authorised by that country's citizenship unit. After approval in principle, the contribution or investment is paid, any oath or interview is completed, and the certificate and passport are issued. Published processing times range from a few months to about a year, depending on the programme — the table below shows each one as its programme page states it.
What it costs beyond the headline figure
The minimum contribution or investment is not the total. Each programme adds government application, due-diligence and processing fees per family member, passport and certificate fees, and professional fees. Real-estate routes add purchase costs and a holding period before the property can be sold.
The money also has to leave India lawfully. Under the Reserve Bank of India's Liberalised Remittance Scheme, every resident individual — minors included — can send up to USD 250,000 per financial year (April to March). Family members can combine their limits for buying property abroad if each of them meets the scheme's conditions; for other investments, combining is only allowed where they co-own the investment. Ask your bank how your specific payment will be classified before you sign anything with a deadline.
Questions to ask any citizenship consultant in Bangalore
Who is the authorised agent lodging my file, and with which government unit? Are your professional fees written down separately from the government fees? Are you paid a commission by any developer, fund or project you are recommending? What happens to the money already paid if due diligence is not passed?
A firm that answers all four in writing, before taking a fee, is a firm worth continuing with — whoever it is. CICC and MARA licences, which we hold for Canada and Australia, do not cover citizenship programmes; for these, the authorised-agent question is the one that matters.
Visiting the Koramangala office
The office is on 80 Feet Road in 4th Block, Koramangala. Citizenship conversations are private by default — appointments are preferred so a senior advisor has the time set aside.
If you are outside Bangalore, the consultation is available online and the written summary is the same.
Citizenship programmes we handle, with their published minimums
Each row links to the full programme page, which sets out the government fees, family rules and processing steps. The figures below are read directly from those pages, so they always match.
| Country | Route | Published minimum | Published timeline |
|---|---|---|---|
| St. Kitts & Nevis | Sustainable Island State Contribution (SISC) – Donation Route | USD 250,000 | 4–6 months |
| Grenada | NTF Donation Route — Grenada | USD 150,000 | See programme page |
| Dominica | Dominica Citizenship by Investment – EDF Contribution | USD 200,000 | 3–4 months |
| Antigua & Barbuda | National Development Fund (NDF) – Donation Route | USD 230,000 | See programme page |
| Saint Lucia | St. Lucia Citizenship by Investment – National Economic Fund (NEF) Donation Route | USD 240,000 | 3 months |
| Vanuatu | VDSP Donation – Vanuatu Citizenship by Investment | USD 130,000 | No official government standard is published |
| Turkey | Real Estate Investment – Turkey Citizenship by Investment | USD 400,000 | 6 months |
| Egypt | Donation Route – Egypt Citizenship by Investment | USD 250,000 | 6–12 months |
| São Tomé & Príncipe | National Transformation Fund (NTF) – Donation Route | USD 90,000 | 2–4 months |
| Nauru | Donation – Nauru Citizenship by Investment | USD 90,000 | 3–4 months |
Published minimum = the lowest qualifying contribution or investment on the programme page, for a single applicant unless the page says otherwise. Government, due-diligence and professional fees are extra. Programmes change their figures; confirm the current amount with the programme before you commit.
Common questions
- Can I keep my Indian passport if I get citizenship by investment?
- No. India does not allow dual citizenship. Under Section 9 of the Citizenship Act, 1955, voluntarily acquiring another citizenship ends Indian citizenship; the Indian passport is surrendered and you can then apply for an OCI card, subject to its eligibility rules. If you want to keep your Indian passport, a residence permit (golden visa) is the route to look at instead.
- Who are the citizenship by investment consultants in Bangalore?
- Several firms in Bangalore advise on second passports. Judge any of them, including us, on four checkable things: who the authorised agent on your file is, whether professional and government fees are separated in writing, whether they are paid commission by the project they recommend, and what happens to your money if due diligence fails.
- How long does citizenship by investment take?
- It depends on the programme. The published timelines on our programme pages range from a few months to about a year — the table on this page shows each one. Gathering the source-of-funds documents before you apply is what keeps a case inside those ranges.
- Do I have to live in the country?
- Most of the Caribbean programmes we handle have no residence requirement before or after citizenship. Antigua and Barbuda is the exception, asking for at least five days in the country within the first five years. Each programme page states its own rule.
- How do I send the investment money out of India?
- Through the RBI's Liberalised Remittance Scheme: up to USD 250,000 per resident individual per financial year, minors included. Family members can combine limits for buying property abroad if each meets the conditions; for other investments only where they co-own it. Confirm with your bank how the payment will be classified before you commit.
- Is the cheapest programme the best one?
- Not necessarily. The headline minimum leaves out per-person fees, which change the total a lot for a family, and the passports differ in where they let you travel and how they are viewed by banks. Compare the full cost for your family and what the passport actually has to do for you.
- Is XIPHIAS licensed to handle citizenship by investment?
- Our CICC (R516194) and MARA (1680615) licences cover Canada and Australia only. Citizenship-by-investment applications are lodged through agents authorised by each country's citizenship unit — ask any adviser, including us, to name the authorised agent on your file.
Related
- Golden visa consultants in BangaloreA golden visa gives you the right to live somewhere else and keep your Indian passport. Most of the work is in the money, not the forms.
- Immigration consultants in BangaloreSeventeen years of files, five offices, and a licence number you can look up before you pay anyone a rupee.
- Verified immigration consultants in BangaloreAnyone can print a certificate. Only a regulator can publish a register. Here is how to use one.
- Immigration consultants in KoramangalaThe office is a five-minute walk from Forum Mall. The licence number is CICC R516194, and you can check it before you come.
