NRI Financial Services

Comprehensive Financial Solutions for Non-Resident Indians

Navigating the complex financial landscape as a Non-Resident Indian requires specialized expertise that understands both Indian regulations and global financial considerations.

Our NRI Expertise

At Wealth & Beyond, we provide comprehensive NRI financial services designed specifically for the unique needs of Indians living abroad. From FEMA-compliant investments and NRI taxation to repatriation planning and cross-border wealth management, our expert team helps you make informed financial decisions while ensuring full regulatory compliance.

Why Choose Our NRI Services?

With 15+ years of experience in NRI financial planning, we've helped over 850 NRI families across 35 countries manage their cross-border financial needs. Our Chartered Accountant-led team specializes in FEMA compliance, DTAA optimization, and cross-border wealth management.

The Dual Financial Life

NRIs manage finances across borders with unique considerations:

Cross-border taxation and compliance requirements
FEMA regulations governing investments and repatriation
Currency risk management between home and host countries
Estate planning across multiple jurisdictions
Retirement planning with international considerations

Common NRI Financial Challenges

Key issues NRIs commonly encounter:

Regulatory Confusion: Navigating RBI FEMA guidelines and income tax regulations
Investment Restrictions: Understanding what NRIs can and cannot invest in
Tax Optimization: Minimizing tax liabilities across multiple countries
Repatriation Concerns: Managing money movement between India and abroad
Succession Planning: Ensuring smooth wealth transfer across borders

NRI Investment Advisory

FEMA-compliant investment solutions including NRE/NRO account optimization, portfolio construction, and direct equity investments through NRI trading accounts.

Mutual fund investments suitable for NRIs
Real estate investment guidance
Portfolio Investment Scheme (PIS)
NRI bonds and government securities

NRI Taxation Services

Comprehensive tax solutions including residential status determination, DTAA benefits optimization, and NRI income tax return filing.

Double Taxation Avoidance Agreement optimization
Tax-efficient investment structuring
Capital gains tax planning for Indian assets
Foreign asset disclosure and compliance

NRI Banking & Account Management

Optimized banking solutions including NRE, NRO, FCNR account setup and management, joint account structuring, and power of attorney management.

Optimal fund allocation between NRE/NRO accounts
Repatriation planning and execution
FCNR deposit strategy for currency hedging
Succession planning for bank accounts

Repatriation & Remittance Planning

Strategic money movement solutions including repatriation planning for current income and investments, currency hedging, and compliance documentation.

Current income repatriation planning
Sale proceeds repatriation from assets
Regular remittance system setup
Currency risk management

Retirement & Estate Planning

Cross-border wealth transfer solutions including retirement corpus planning, NPS management, will preparation, and succession planning.

Indian asset will preparation and registration
Property succession planning
Business succession for NRI business owners
Trust establishment for asset protection

Returning NRI Services

Comprehensive planning for NRIs returning to India including residential status transition, asset consolidation, and investment restructuring.

Residential status transition planning
Asset consolidation and repatriation
Tax implications of returning to India
Investment restructuring post-return

NRI Financial Assessment

Comprehensive evaluation of your NRI financial situation including residential status determination, asset analysis across countries, and future financial goals assessment.

Cross-border Financial Planning

Integrated financial strategy development with investment policy statement creation, asset allocation across geographies, and tax optimization strategy.

Implementation & Account Setup

Practical execution of your NRI financial plan including NRI account establishment, investment execution with compliance verification, and documentation arrangements.

Ongoing Management & Compliance

Continuous oversight and optimization with regular portfolio review, tax compliance monitoring, regulatory change adaptation, and life event planning.

Regulated Investment Avenues

RBI-approved investment options for NRIs:

Direct equity investments through PIS route
Mutual funds (except certain ELSS and tax-saving funds)
Government securities and bonds
National Pension System (NPS)
Real estate (except agricultural land and plantation property)
Real Estate Investment Trusts (REITs) and InvITs

Restricted Investment Areas

Investments NRIs cannot make:

Agricultural land purchases
Plantation property investments
Certain small savings schemes
Specific mutual fund categories
Investments in proprietary concerns

Special Investment Considerations

Currency risk management in investments
Tax implications of different investment vehicles
Repatriation features of various investments
Liquidity requirements and planning

What is the difference between NRE and NRO accounts? +

NRE accounts are for foreign earnings with full repatriation rights, while NRO accounts are for Indian income with limited repatriation. We help optimize usage of both account types based on your specific needs.

Can NRIs invest in Indian mutual funds? +

Yes, NRIs can invest in most mutual funds except certain ELSS and specific tax-saving schemes. We help select appropriate funds and handle the necessary documentation.

How is NRI taxation different from resident taxation? +

NRIs are taxed only on Indian-sourced income and have different slab rates, exemptions, and compliance requirements. We specialize in optimizing NRI tax situations.

What are the repatriation limits for NRIs? +

Current income is fully repatriable, while investment proceeds have specific limits and documentation requirements. We help plan repatriation within regulatory limits.

Can NRIs purchase agricultural land in India? +

No, NRIs cannot purchase agricultural land, plantation property, or farm houses. We guide you toward compliant real estate investments.

How do I handle inheritance of Indian property as an NRI? +

Inheritance is generally allowed, but succession planning and documentation are crucial. We provide comprehensive estate planning services for NRIs.

What happens to my NRI status if I return to India? +

We help plan the transition, including asset repatriation, tax status change, and investment restructuring to optimize your financial situation post-return.

This website is for informational purposes only and complies with ICAI guidelines. Client confidentiality is strictly maintained.