NYSE Arca · ETF
Invest in TOTR ETF from India
Indian and foreign residents can buy T. Rowe Price Total Return ETF (TOTR) units directly through Paasa.
By Paasa · Updated
TOTR at a glance
- Price
- $38.21-$0.05 (0.13%)
- Expense ratio
- 0.31%
- Day range
- $38.18 – $38.23
- Assets
- $558.4M
- Domicile
- the US
- Holdings
- 905
- Launched
- 2021
- Dividends
- Distributing
- 1 month
- -3.07%
- 6 months
- -4.31%
- YTD
- -6.42%
- 1 year
- -6.46%
- 5 years
- -23.72%
Price change, excluding dividends.
Top 10 holdings
- 1US 2YR NOTE (CBT) DEC26 XCBT 202612319.1%
- 2S45209929 CDS USD R F 1.00000 5745209929FEE CCPCDX4.6%
- 3FNMA TBA 30 YR 6 SINGLE FAMILY MORTGAGE2.5%
- 4572439045 CDS USD R F 1.00000 5572439045_FEE CDXTRANCHE2.4%
- 5US TREASURY N/B 08/44 4.1252.3%
- 6US 10YR ULTRA FUT DEC26 XCBT 202612212.3%
- 7S04921650 CDS USD R F 1.00000 204921650FEE CCPCDX1.8%
- 8US TREASURY N/B 01/32 4.3751.7%
- 9US TREASURY N/B 02/32 4.1251.6%
- 10US TREASURY N/B 08/54 4.251.6%
TOTR holds 905 securities in total. These 10 are 29.8% of the fund.
Where the money is invested
Sectors
- Financial Services67.7%
- Technology17.1%
- Communication Services4.9%
- Consumer Cyclical4.7%
- Consumer Defensive1.8%
- Healthcare1.6%
Countries
- Other54.0%
- United States39.6%
- United Kingdom0.9%
- Mexico0.7%
- Luxembourg0.4%
- Canada0.4%
How to invest in TOTR from India
Step 1
Open your Paasa account
KYC takes a few minutes: PAN, Aadhaar and address proof. Your brokerage account is opened in your own name with Interactive Brokers.
Step 2
Add funds from your Indian bank account
Remit up to $250,000 a year under the RBI's Liberalised Remittance Scheme. Your bank converts the rupees to US dollars at its rate on the day you remit.
Step 3
Search TOTR and buy
Find the fund by its ticker, TOTR, on NYSE Arca, and place your order. Fractional units are available and there is no minimum trade size, so you can buy by amount.
Why invest in TOTR from India
What TOTR holds
The primary objective of this fund is to optimize comprehensive returns for its investors. This is accomplished mainly through the generation of income, with a secondary emphasis on the growth in value of its underlying assets.
Hold a dollar asset
TOTR is priced in US dollars, so a weaker rupee adds to what it's worth in rupees. The rupee depreciated over 85% against the dollar between 2010 and 2025.
Buy a fraction of a unit
Buy by amount, not by unit, and get the matching fraction of one TOTR unit. There is no minimum trade size.
Paasa handles the paperwork
Investing abroad brings paperwork with it: remittance filings, capital gains reporting, foreign asset disclosure. Paasa prepares all of it for you. Your India-ready tax reports arrive at year end, ready to file.
Planning to hold more than $60,000 in US ETFs? Here's what US estate tax means for you.
US-domiciled ETFs held in your own name fall under US estate tax rules. If your US holdings cross $60,000, the amount above that can be taxed at up to 40% when the account passes to your family.
A UCITS ETF tracking a similar market sits outside US estate tax.
Frequently asked questions
Can I buy TOTR from India?
Yes. Indian residents can buy T. Rowe Price Total Return ETF (TOTR) through Paasa. It is listed on NYSE Arca and trades in US dollars. Your money leaves India under the RBI's Liberalised Remittance Scheme, and the units are held in your own name at Interactive Brokers.
What does TOTR invest in?
T. Rowe Price Total Return ETF holds 905 securities. Its largest holdings are US 2YR NOTE (CBT) DEC26 XCBT 20261231 (9.1%), S45209929 CDS USD R F 1.00000 5745209929FEE CCPCDX (4.6%) and FNMA TBA 30 YR 6 SINGLE FAMILY MORTGAGE (2.5%). Financial Services is its largest sector at 67.7%. It is a distributing fund domiciled in the US.
What is the expense ratio of TOTR?
T. Rowe Price Total Return ETF has an expense ratio of 0.31% a year, taken from the fund's assets rather than billed to you. The fund manages about $558.4M.
How are TOTR dividends taxed in India?
T. Rowe Price Total Return ETF is a distributing fund. It pays the dividends from its holdings out to you in cash. Dividends are taxed at your slab rate in India. Paasa's dividend report lists the gross dividend and any tax withheld for each payment.
What tax do I pay in India when I sell TOTR?
The US does not levy capital gains tax on shares for Indian residents. Gains are taxable in India. Debt-oriented funds can be taxed differently from equity funds, so confirm your rate before selling. The gain is worked out in rupees at the USD/INR rate on the day you bought and the day you sold, so the currency move is part of the gain. Paasa's capital-gains statement gives you the figures for your return.
Can I buy a fraction of one TOTR unit?
Yes. You can buy by amount rather than by unit and add to your position over time. One unit is $38.21, and there is no minimum trade size.
What happens to my TOTR units if I pass away?
US-domiciled ETFs held in your own name fall under US estate tax rules. If your US holdings cross $60,000, the amount above that can be taxed at up to 40% when the account passes to your family. A UCITS ETF tracking a similar market sits outside US estate tax. Paasa's US estate tax calculator shows the exposure for a given portfolio value.