The prospective matters as if an NRI wants to come back and settle in India. The commercial could be a better option where ROI in prospect of rent is 7-8 % (as compared to residential, which is 2-3%).The investment could vary on the matter of fact in which country you reside in. In US, there is no return on cash deposit, and commercial inflationary growth is added together. When you will get back to your country, the investment to get rental returns on commercial can be a good option.