Does SIPC protection cover Indian investors in US stocks?

Yes. SIPC has no citizenship or residency requirement. Indian investors at SIPC-member brokerages receive the same protection as US citizens — up to $500,000 per customer, including a $250,000 sub-limit for uninvested cash.

What is the SIPC coverage limit in 2026?

SIPC covers up to $500,000 per customer per separate account capacity at a SIPC-member broker, including a $250,000 sub-limit for uninvested cash. Securities such as stocks, ETFs, bonds, and mutual funds count toward the $500,000 ceiling.

Does SIPC protect against market losses?

No. SIPC only protects against loss of assets due to a broker's insolvency — not against declines in the market value of your investments, bad advice, or fraud involving worthless securities.

What is Excess SIPC insurance?

Excess SIPC is voluntary private insurance that many brokers purchase beyond the statutory $500,000 SIPC limit. It is not mandated by law and varies by broker and custodian. Check your broker's disclosures for exact amounts.

Is Interactive Brokers (IBKR) covered by SIPC for Indian investors?

Interactive Brokers LLC is a SIPC member. Indian investors holding US-listed securities through IBKR's US entity are covered by SIPC up to $500,000, including the $250,000 cash sub-limit.

SIPC Protection for Indian Investors: What Covers Your US Portfolio?

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