NRI Services

Sometimes NRI doesn’t have a clear picture of his finances as it has been scattered, that is where we come into the picture to work closely with them & arrange everything from clutter to clarity

Financial Planning & Wealth Management are an inevitable requirement for almost everyone. Still, when it comes for NRI it becomes a step ahead because for NRI multidimensional view is required for their finances. We partner with you; we guide you, we educate you to reduce your stress level by assisting in your finances.

Things to consider

  • Plans to settle in India post-retirement?
  • For which Goals you should invest in India & in which Investment avenue?
  • Have you managed currency depreciation & its impact on your goals?
  • Consolidation of assets in India or abroad is considered?
  • Taxability


If you are an NRI or PIO, you can invest in the Mutual Fund schemes on a full repatriation (including the capital) as well as non-repatriation basis. Mutual funds are a great way to save and enhance your wealth over time, regardless of where you live.

Many Non-Resident Indians (NRIs) are HENRYs – High Earners, Not Rich Yet—their median incomes are higher than their host country. But a high-maintenance lifestyle reduces their savings and investments to retire there.So, It becomes difficult for them to save during their accumulation phase. Its very important for the NRI’s to calculate the retiremnt amount and start for that bucket before doing any expense.By retiring in India and converting the same corpus into INRs, it not only becomes substantial, but sufficient enough.


One size fits all is not the way to go with retirement. Each NRI has their own financial goals along with health, lifestyle and dependents’ needs that determine the corpus needed for a comfortable retired life.

How NRIs investments are taxed depends on whether India has signed the DTAA with the NRIs country of residence. In which case NRIs don’t have to pay twice the tax. NRIs will, however, pay tax on capital gains.

How Equity Funds Are Taxed For NRIs:

STCG @ 15%.

LTCG> Rs 1L @ 10%


How Debt Fund Are Taxed For NRIs:

STCG @ 30%

LTCG > 3Yrs @20%

Its very common that people will move to a foreign country but their parents will still stay in India. It becomes tough to manage the assets from there. So, it’s very important to consolidate the assets and have control of it. Consolidation helps to reduce on the clutter of assets, also it reduces litigations sometime, it will reduce paperwork & also consolidating helps to reduce the taxes.

Deeper Insights

Need a little more clarity on what we can do for you? Here are a few resources to help you out.
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