nCino, Inc.
nCino, Inc. (NASDAQ: NCNO) is trading at $19.41, about ₹1,862 at today's USD/INR rate, as of 25 Sep 2026, 4:00 PM ET, down 2.80% today. Indian residents can buy nCino from India on Paasa under the RBI's Liberalised Remittance Scheme.
Quote
Today's low
$19.39
Today's high
$20.13
52 week low
$13.80
52 week high
$28.20
NCNO opened at $20.00, closed previously at $19.97, and has traded between $13.80 and $28.20 over the past 52 weeks.
About
nCino, Inc. operates as a software-as-a-service (SaaS) provider, delivering cloud-based applications to financial organizations both within the United States and internationally. Its core product, the nCino Bank Operating System, is a multi-tenant cloud platform. This system is engineered to digitalize, automate, and streamline complex operational processes and workflows. By harnessing data analytics, artificial intelligence, and machine learning (AI/ML), it empowers banks and credit unions to efficiently manage new client onboarding, originate and oversee the complete loan lifecycle, facilitate the opening of various accounts (including deposits), and ensure regulatory adherence. Another key offering is nCino IQ, an application suite that utilizes data analytics and AI/ML to provide customers with both automation and valuable operational insights. This includes tools for assessing, quantifying, and managing credit risk, alongside enhancing their capabilities to meet regulatory obligations. The company also provides SimpleNexus, a suite of products designed to allow various participants—such as loan officers, prospective borrowers, real estate agents, and settlement agents—to engage with the homeownership process from any internet-connected device. nCino caters to a broad range of financial institution clients, including global corporations, large enterprise banks, regional and community banks, credit unions, emerging market entrants, and independent mortgage banks. Its solutions are distributed via a specialized sales team, which includes business development representatives, account executives, field sales engineers, and customer success managers. Founded in 2011, nCino, Inc. is headquartered in Wilmington, North Carolina.
Key statistics
Avg. volume
3.12M
Market cap
$2.13B
P/E Ratio
62.61
Price-to-sales ratio
3.42
Enterprise value
$2.38B
Free cash flow yield
6.22%
Debt-to-equity ratio
0.36
Return on equity
3.36%
ROIC
3.87%
Beta
0.69
Dividend yield
0.00%
Last dividend
$0.00
Financial overview
Revenue
$594.78M
Earnings per share
$0.05
Free cash flow
$82.56M
Net profit margin
5.40%
Gross margin
61.51%
EBITDA
$66.42M
Revenue growth
10.01%
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This is not an investment recommendation
How to buy nCino from India
Indian residents can buy nCino 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.
Search for nCino and place an order
Find nCino by name or by its ticker, NCNO, and choose an order type. You can buy by amount or by quantity — fractional shares mean there is no minimum trade size. nCino trades 7:00 pm – 1:30 am IST; orders can only execute during that window.
Track holdings and download tax reports
Follow your nCino position in USD and INR. nCino pays no dividend today, so your filing is the capital-gains statement plus the Schedule FA holding line.
Read the full guide: how to invest in nCino from India
Trading and taxes when buying nCino from India
Trading and limits
- Trading hours
- 9:30 am – 4:00 pm ET
- 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
- NonenCino does not currently pay a dividend. If it starts, dividends are taxed at your slab rate in India.Dividend tax explained
- US estate tax
- May applyUS-situs assets such as US-listed shares can be exposed to US estate tax for non-US persons.US estate tax calculator
Custody. Shares are held in your own name at Interactive Brokers LLC and are SIPC-insured up to $500,000 in total, including $250,000 for cash.
FAQs
Can Indian residents buy nCino stock?
Yes. nCino (NCNO) has been listed on NASDAQ since 2020, in the Software - Application 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. Shares are held in your own name at Interactive Brokers LLC and are SIPC-insured up to $500,000 in total, including $250,000 for cash.
How much does one nCino share cost in rupees?
One nCino share is $19.41 — about ₹1,862 at a USD/INR rate of 95.92 on 25 Sep 2026. Both the nCino 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 nCino 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.
Can I buy whole shares of nCino?
Yes. One nCino share is $19.41, and you can buy as many whole shares as you like. You can also buy by amount rather than by quantity: there is no minimum trade size, and Paasa supports fractional investing in nCino.
How are gains on nCino shares taxed in India?
The US does not levy capital gains tax on shares for Indian residents, 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 USD/INR rate on the purchase and the sale date, so the rupee move counts alongside the nCino price. Paasa issues a capital-gains statement for your return.
Does nCino pay a dividend?
No. nCino does not currently pay a dividend, so holding it produces no dividend income to declare in India. If it starts paying one, the Indian treatment is the usual one — dividends are taxed at your slab rate in India — and Paasa's dividend report would show the gross amount and any tax withheld.
When can I trade nCino from India?
NASDAQ trades 7:00 pm – 1:30 am IST in Indian time, so the close lands after midnight. The window shifts to 8:00 pm – 2:30 am IST when the US is on standard time. Orders can only execute during that window.
Is there estate or inheritance tax on nCino shares held from India?
US-situs assets such as US-listed shares can be exposed to US estate tax for non-US persons. It applies to your overall holdings in that jurisdiction rather than to any one position. Paasa's US estate tax calculator shows the exposure for a given portfolio value.
Do I have to declare nCino 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 nCino holding, its cost and its closing value.
How do I sell nCino and bring the money back to India?
You sell during market hours (7:00 pm – 1:30 am IST) and the proceeds settle in USD 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.