Who qualifies as an accredited investor in India?

Lesson 38 of 50 for advisers · Accredited investors · 4 min read · Reviewed 13 Nov 2026

An individual, HUF or family trust qualifies with annual income of ₹2 crore, or net worth of ₹7.5 crore with at least ₹3.75 crore in financial assets.

Or with ₹1 crore of income plus ₹5 crore of net worth, half of it financial. Since 5 Nov 2026, ₹5 crore of securities market exposure also qualifies.

Accreditation agencies, set up by exchanges and depositories, issue it. Since 5 Nov 2026 AIF managers, SIF fund houses and portfolio managers may also accredit, valid across their group.

Accreditation lasts 3 years. An accredited investor can get lower minimums or other relaxations where each product’s rules allow.

Key idea: Your own home doesn’t count towards net worth for accreditation.

Sources

• SEBI circular reviewing the accredited investor framework, 5 Nov 2026
• SEBI Master Circular for AIFs, updated 5 Nov 2026 (chapter 10)

Try the short quiz on this page to check what stuck.

Common questions

May an investment adviser accredit a client?

No. An adviser may only rely on a determination made by a manager in its group.

Are NRIs accredited?

Since 5 Nov 2026, persons resident outside India, including FPIs, are treated as accredited investors.

What counts as securities market exposure?

Demat holdings, mutual fund folios, unlisted demat securities, overseas investments and NPS.

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