How to Invest In SoFi Stock from India: A Complete Guide

Digital finance has made it easier to handle many things that once required a visit to a bank. People can now apply for loans, manage their money, invest and make payments from their phones.

SoFi Technologies is part of this shift. The company offers financial products covering areas such as lending, banking, investing and spending through its digital platform. It also provides financial technology services to other businesses.

SoFi started out by helping borrowers refinance their student loans. Over time, it added more products and services and built a much broader financial services business. If you are an Indian investor wondering how to invest in SoFi stock from India, here is what you need to know.

About SoFi Technologies Inc.

SoFi Technologies is a financial services company that uses technology to offer a range of financial products through a single digital platform. The company started with a focus on student loan refinancing but has since expanded into lending, banking, investing, payments and other financial services.

SoFi’s platform allows customers to borrow, save, spend and invest through its products. The company also provides financial technology to other businesses through its Technology Platform. SoFi is listed on the NASDAQ under the ticker SOFI.

SoFi Stock Snapshot

Note: Share price, market cap and P/E move daily — check SoFi’s live stock page for current figures rather than relying on a fixed number in this table.

SoFi reported the following financial highlights for FY2025:

• Total net revenue increased 35% from US$2.67 billion in FY2024 to US$3.61 billion in FY2025.
• Net income stood at US$481.32 million in FY2025, compared with US$498.67 million in FY2024.
• Diluted earnings per share (EPS) were US$0.39 in both FY2025 and FY2024.
• Total fee-based revenue increased 59% from US$969.9 million to US$1.5 billion during the year.

SoFi operates through three main business segments: Lending, Financial Services and Technology Platform. Lending was the largest contributor in FY2025, generating US$1.85 billion in revenue. Financial Services contributed around US$1.54 billion, while Technology Platform generated approximately US$450 million.

SoFi’s business is built around getting customers to use multiple products on its platform. As customers add products such as a bank account, investment account or loan, the company aims to increase the value of each customer over time. By the end of 2025, SoFi had more than 13.6 million members and nearly 20.2 million products across its platform.

The company is also looking to grow its fee-based businesses alongside lending. This includes revenue from areas such as loan platform services, interchange fees and brokerage services. 

Ways To Invest In SoFi Stock

If you are looking to add SoFi to your portfolio, you can do so either by purchasing the stock itself or by investing through funds that hold it.

Direct Investment

You can invest in SoFi from India through Vested. You can choose to invest in a full share or a fraction of one. Fractional investing can be useful if you want to start with a smaller amount or invest a fixed sum.

Indirect Investment

Some investors may prefer investing in a fund where they get exposure to multiple stocks at once, rather than a single stock. Such investors can explore indirect options on Vested. Exchange-Traded Funds (ETFs) on the platform may include exposure to companies in the digital finance space alongside other companies. You could also consider Vested’s Global funds. They invest in a mix of international companies from different sectors, giving you a way to diversify your portfolio through professionally managed funds.

Can Indians Invest In SoFi Stock?

Indian residents can buy SoFi shares through a platform that provides access to the US stock market. 

The investment would fall under the Reserve Bank of India’s (RBI) Liberalised Remittance Scheme (LRS). The scheme allows a resident individual to remit up to US$250,000 in a financial year for permitted transactions. This amount covers the individual’s total eligible foreign remittances during the year, and not just for stock investments.

How To Buy SoFi Stock On Vested (Step-By-Step)

If you want to invest in SoFi through Vested, you can complete the purchase in a few steps. After completing your account setup, all you need to do is find SOFI, choose your investment amount, and place the order.

Step 1: Set up your Vested account
Get the Vested app from the Play Store or App Store, or sign up through the Vested website.

Step 2: Complete the KYC process
Submit the required details for KYC verification. Once your account is activated, you can fund it, and the money will be converted into US dollars.

Step 3: Search for SoFi
Enter SOFI in the search bar to find SoFi Technologies. The stock page will show relevant information about the company and its share price.

Step 4: Choose how much to invest
Enter the amount you would like to invest. If you prefer not to buy a whole share, you can purchase fractional shares instead.

Step 5: Confirm your purchase
Review the order details and submit the order. After execution, your SoFi shares will be added to your Vested portfolio.

How To Sell SoFi Stock

You can sell your SoFi holdings whenever you decide to exit or reduce your position. The sale can be initiated directly from your portfolio.

Step 1: View your SoFi holdings
Open your Vested portfolio and select your SOFI investment.

Step 2: Click on Sell
Choose SoFi and select the Sell option to start the transaction.

Step 3: Choose your selling quantity
Decide whether you want to sell your entire position or only a portion of your holdings.

Step 4: Enter the share quantity
Specify how many SoFi shares you want to sell and verify the order details.

Step 5: Complete the transaction
Confirm the sell order. The shares will be sold once the order is executed. You will then receive the sale proceeds in your account.

Vested generally takes about two business days to credit your funds to your bank account. Alternatively, you can keep the money in your Vested account and put it towards another investment.

5 Things To Know Before Investing In SoFi Stock

There are a few factors you must consider if you want to invest in SoFi shares from India.

• Lending remains a major part of SoFi’s business. Changes in interest rates, borrower demand and credit quality can therefore affect its financial performance.
• SoFi is trying to grow its Financial Services and Technology Platform businesses alongside lending. How successfully it can diversify its revenue will be worth watching as the company grows.
• Since SOFI is traded in US dollars, changes in the USD-INR exchange rate can affect your returns in rupees. For tax purposes, foreign-currency amounts are usually converted into Indian rupees based on the SBI TT buying rate as prescribed under the Income Tax Rules. 
• A holding period of more than 24 months is generally relevant for determining whether the gain is long-term. Long-term capital gains are currently taxed at 12.5% without indexation, while short-term gains are generally taxed at the applicable slab rate. Applicable taxpayers may also need to report their foreign shareholdings in Schedule FA.
• Investing in SoFi from India comes under the RBI’s Liberalised Remittance Scheme (LRS). The overall limit is US$250,000 per financial year for permitted foreign remittances. This covers all eligible foreign transfers during the year, not just investments in US stocks. 

Conclusion

SoFi has built a sizeable financial services platform, with lending still forming a big part of the business. Its other products and technology services are also growing. For Indian investors, SOFI offers a way to participate in this business through the US market, subject to the rules that apply to overseas investing.

Source:

SoFi

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