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XIPHIAS Immigration

Panama Residency by Investment - XIPHIAS Immigration

Panama Residency by Investment - XIPHIAS Immigration

3 routes in Panama

Pick one to see its full rules

About Panama

Overview

About Panama

Panama sits at the crossroads of North and South America, linking the Pacific and Atlantic via the Panama Canal. With modern infrastructure, a strong services economy, and year-round tropical weather, it offers a practical base for globally mobile families and entrepreneurs.

Why Panama

Key Points

Why Panama?

  • Strategic location and global connectivity powered by the Panama Canal.

  • Territorial tax system generally exempts foreign-sourced income from local taxation.

  • Flexible pathways for investors, entrepreneurs, and international professionals.

  • High quality of life with modern infrastructure, healthcare, and international education.

  • Stable economy and the convenience of the US dollar alongside the Panamanian balboa.

Process

How it works

  1. Step 1

    Step 1: The candidate contacts XIPHIAS for a preliminary eligibility evaluation and advice.

  2. Step 2

    Step 2: XIPHIAS helps the applicant complete the qualifying investment and provide all necessary paperwork.

  3. Step 3

    Step 3: Authorized local representatives work with XIPHIAS to submit the application for permanent residency to the Panamanian government.

  4. Step 4

    Step 4: The applicant's background, funding source, and investment are investigated and verified by Panamanian authorities.

  5. Step 5

    Step 5: After approval, the applicant receives a residence permit/ID card and permanent status in Panama (as applicable to the selected route).

Eligibility — Requirements

Eligibility

Requirements

6 items

The following list outlines the core eligibility requirements for this program.

  • Investment: Make and maintain a qualifying investment (real estate: USD 500k, securities: USD 500k held five years, fixed deposit: USD 750k on a five-year term).

  • Passport: Valid passport copy, apostilled/authenticated.

  • Police Certificate: Clean criminal record certificate, apostilled.

  • Health Certificate: Recent medical certificate from an authorized doctor.

  • Proof of Funds: Bank documents proving the legal origin of funds.

  • Government Fees: Pay required immigration fees.

Frequently asked questions

An investor residency pathway that allows eligible applicants and their families to live in Panama through a qualifying investment.

Yes, typically including spouses and dependent children (and in some cases dependent parents), subject to local rules.

Many permits require maintaining ties to Panama; a common practical requirement is visiting at least once every two years (depending on permit type).

Yes, after five consecutive years of residence, or three with a Panamanian spouse or children, under Article 10 of the Constitution. Naturalisation requires an express and irrevocable renunciation of your existing nationality, so for an Indian citizen it would end Indian citizenship.

Advising Indian families on residency abroad since 2009, from our Koramangala office in Bangalore.

Current Qualified Investor thresholds

RouteMinimum
Real estateUSD 500,000
Securities (five-year hold)USD 500,000
Fixed deposit (five-year term)USD 750,000

The USD 300,000 figure still advertised across this industry was a transitional rate. On one reading of the decree it lapsed in October 2024; on the other it lapses on 13 October 2026. Plan for USD 500,000.

Friendly Nations no longer grants permanent residence immediately — it now gives two years provisional residence first, from USD 200,000. Eligibility is limited to the nationalities listed in Executive Decree 226 of 2021; XIPHIAS confirms your nationality against the current list with Migración before taking a file.

Panama does not permit dual citizenship. Naturalisation requires an express and irrevocable renunciation of any existing nationality, and Article 13 of the Constitution treats acquiring another nationality as tacit renunciation.

Your Indian passport is safe on a residency

Section 9(1) of India's Citizenship Act 1955 ends Indian citizenship only on the voluntary acquisition of another country's citizenship. Holding a residence permit, permanent residence or a long-term visa does none of that.

So every route on this page is safe to hold. What differs between countries is the endpoint — and we will tell you plainly where a route can never become a citizenship, where it can, and what taking that step would cost you.

Talk to an immigration consultant in Bangalore

XIPHIAS Immigration has guided Indian families abroad since 2009, from our office in Koramangala, Bangalore. We were named Best Immigration Consultant by The Times of India in 2022. Our immigration consultants in Bangalore will take you through the legal requirements, costs and timeline for Panama.

Sources

Verified against government sources on 30 September 2026.

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