Clifford Modern Living Holdings Limited
Clifford Modern Living Holdings Limited (HKSE: 3686) is trading at HK$0.47, about ₹6 at today's HKD/INR rate, as of 24 Sep 2026, 10:19 PM ET. Indian residents can buy Clifford Modern Living from India on Paasa under the RBI's Liberalised Remittance Scheme.
Quote
Today's low
HK$0.47
Today's high
HK$0.47
52 week low
HK$0.45
52 week high
HK$0.94
3686 opened at HK$0.47, closed previously at HK$0.47, and has traded between HK$0.45 and HK$0.94 over the past 52 weeks.
About
Headquartered in Guangzhou, People's Republic of China, Clifford Modern Living Holdings Limited, an investment holding company established in 1998, delivers a broad spectrum of services across the PRC. Its operations are divided into six principal segments: Property Management, Renovation and Fitting-Out, Retail, Off-Campus Training, Information Technology, and Ancillary Living Services. The company's retail footprint comprises 18 outlets, specifically two supermarkets, a wet market, and fifteen convenience stores. Clifford provides comprehensive property management and resident support solutions for both residential complexes and commercial properties. Its renovation and fitting-out capabilities extend to residents, tenants, property owners, and even third-party subcontractors. Additionally, Clifford offers off-campus training programs, encompassing various interest classes and language learning courses. The Information Technology segment covers IT and related engineering services, security system implementation, hardware and software integration, and telecommunication sales. Further ancillary services include catering consultancy, real estate agency, employment placement, and laundry services. All these offerings are provided to customers under the "Clifford" brand.
Key statistics
Avg. volume
453.22K
Market cap
HK$477.40M
P/E Ratio
1.94
Price-to-sales ratio
1.36
Enterprise value
CN¥103.14M
Free cash flow yield
21.28%
Debt-to-equity ratio
0.05
Return on equity
37.72%
ROIC
16.60%
Beta
0.78
Dividend yield
20.21%
Last dividend
HK$0.10
Financial overview
Revenue
CN¥320.27M
Earnings per share
CN¥0.28
Free cash flow
CN¥80.78M
Net profit margin
68.48%
Gross margin
52.10%
EBITDA
CN¥113.64M
Revenue growth
-12.82%
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This is not an investment recommendation
How to buy Clifford Modern Living from India
Indian residents can buy Clifford Modern Living shares through Paasa in four steps. Funds leave India under the RBI's Liberalised Remittance Scheme and the shares are held in your own name with Interactive Brokers.
Open a Paasa account
Complete digital KYC with your PAN, Aadhaar and address proof. Your brokerage account is opened in your own name with Interactive Brokers.
Add funds under LRS
Transfer INR from your Indian bank account. Your bank reports the remittance under the RBI's Liberalised Remittance Scheme and converts it to US dollars and then to HKD.
Search for Clifford Modern Living and place an order
Find Clifford Modern Living by name or by its ticker, 3686, and choose an order type. Many Hong Kong listings trade in board lots, so the smallest order is one lot rather than one share. Clifford Modern Living trades 7:00 am – 1:30 pm IST; orders can only execute during that window.
Track holdings and download tax reports
Follow your Clifford Modern Living position in HKD and INR, and use Paasa's capital-gains and dividend statements when you file your Indian return.
Read the full guide: how to invest in Clifford Modern Living from India
Trading and taxes when buying Clifford Modern Living from India
Trading and limits
- Trading hours
- 9:30 am – 4:00 pm HKT
- LRS limit
- $250,000Per financial year, under the RBI's Liberalised Remittance Scheme.
Tax for Indian residents
- TCS on remittance
- 20%Collected by your bank on LRS remittances above ₹10 lakh in a financial year. The TCS is adjustable against your income-tax liability.Adjusting TCS against your tax
- Capital gains in India
- 12.5% or slab rateGains on shares held for more than 24 months are long-term and taxed at 12.5%. Gains on shares held for 24 months or less are short-term and taxed at your income-tax slab rate.Capital gains explained
- Dividends
- Slab rateDividends are taxed at your slab rate in India. Clifford Modern Living’s current yield is 20.21%.Dividend tax explained
Custody. Shares are held in your own name at Interactive Brokers, segregated from Paasa's own assets.
FAQs
Can Indian residents buy Clifford Modern Living stock?
Yes. Clifford Modern Living (3686) has been listed on the Hong Kong Stock Exchange since 2016, in the Grocery Stores industry, and Indian residents can buy it through Paasa. You fund the account from your Indian bank under the RBI's Liberalised Remittance Scheme and the money is converted to US dollars and then to HKD. Shares are held in your own name at Interactive Brokers, segregated from Paasa's own assets.
How much does one Clifford Modern Living share cost in rupees?
One Clifford Modern Living share is HK$0.47 — about ₹6 at an HKD/INR rate of 12.23 on 25 Sep 2026. Both the Clifford Modern Living price and the rupee rate move during the day, so the rupee cost changes with them.
What are the LRS and TCS rules for buying Clifford Modern Living from India?
Remit up to $250,000 per financial year under the RBI's Liberalised Remittance Scheme (LRS). Banks collect 20% tax at source on LRS remittances above ₹10 lakh in a financial year; the TCS is adjustable against your income-tax liability. FX and the LRS declaration are handled by your bank when you fund your account.
What is the minimum I can buy of Clifford Modern Living?
Many Hong Kong listings trade in board lots, so the smallest order is one lot rather than one share.
How are gains on Clifford Modern Living shares taxed in India?
Hong Kong generally does not levy capital gains tax on non-resident individual investors for HKEX-listed stocks, so the tax is an India-side one. Gains on shares held for more than 24 months are long-term and taxed at 12.5%. Gains on shares held for 24 months or less are short-term and taxed at your income-tax slab rate. The gain is computed in rupees using the HKD/INR rate on the purchase and the sale date, so the rupee move counts alongside the Clifford Modern Living price. Paasa issues a capital-gains statement for your return.
Does Clifford Modern Living pay a dividend, and how is it taxed in India?
Yes. Clifford Modern Living pays a dividend and the current yield is 20.21%; the last declared dividend was HK$0.10 per share, about ₹1.16. Dividends are taxed at your slab rate in India. Paasa's dividend report lists the gross dividend and any tax withheld for each payment.
When can I trade Clifford Modern Living from India?
The Hong Kong Stock Exchange trades 7:00 am – 1:30 pm IST in Indian time. It also halts for lunch, 9:30 am – 10:30 am IST. Orders can only execute during that window.
Is Clifford Modern Living a Hong Kong SAR China company, and does that change how it is taxed?
Clifford Modern Living trades on the Hong Kong Stock Exchange in HKD, but the company is domiciled in China. Clifford Modern Living trades as an ordinary share listed directly in Hong Kong, not a depositary receipt. Your India-side capital-gains treatment is the same either way.
Do I have to declare Clifford Modern Living shares in my Indian tax return?
Yes. Foreign shares held on 31 March must be reported in Schedule FA of your Indian income-tax return. Paasa gives you a Schedule FA-ready statement listing your Clifford Modern Living holding, its cost and its closing value.
How do I sell Clifford Modern Living and bring the money back to India?
You sell during market hours (7:00 am – 1:30 pm IST) and the proceeds settle in HKD in your Paasa account. From there you can hold the balance, reinvest, or repatriate. Funds can be withdrawn in any currency to any bank account in your own name. Whether the sale is short- or long-term is decided by the 24-month holding period.