📞 +91 74117 27702 💬 WhatsApp Us ✉ [email protected]
For Indians Abroad

NRI & OCI Wealth Solutions —
From India, For You

🇦🇪 UAE 🇸🇬 Singapore 🇺🇸 USA 🇬🇧 UK 🇨🇦 Canada 🇦🇺 Australia + More

Whether you're in Dubai, Singapore, the US, or the UK — keeping your Indian wealth growing efficiently is what we do best. Specialised advisory for NRIs and OCIs, including the new GIFT City IFSC opportunities, DTAA benefits across 90+ countries, and returning NRI / RNOR planning.

From GIFT City IFSC funds (USD-denominated, with global IFSC regulatory standards) to traditional NRE/NRO investment routes, we help you choose the right vehicle for repatriability, taxation, and your home-country obligations.

Book a Consultation WhatsApp Us
Why NRIs Need a Different Approach
2x
Tax complexity vs. resident Indians — DTAA, TDS, FEMA all matter
USD
GIFT City lets you invest in India with USD — zero rupee risk
10%
LTCG flat rate on GIFT City funds — vs. 12.5% in mainland India
∞
Repatriability fully maintained for NRE-route investments
The Reality You Face
The 4 Mistakes Most NRIs Make

Earning abroad feels like a financial superpower — until your Indian investments leak value through bad structure. Here is what we see across hundreds of NRI conversations, regardless of which country you live in:

01
Money sitting idle in foreign savings accountsMost NRIs leave 6-figure balances earning 0–3% in their salary accounts, while Indian equity has compounded at 12–14% over the last decade. The opportunity cost of inaction is staggering.
02
Wrong account structure (NRO instead of NRE)NRO interest is taxed at 30% TDS. NRE interest is tax-free in India. We meet NRIs every month who have been losing 30% on lakhs of interest unnecessarily because their foreign earnings sit in the wrong account type.
03
Not claiming DTAA benefitsIndia has DTAA treaties with 90+ countries — UAE, US, UK, Singapore, Canada, Australia and more. These can reduce TDS from 30% to as low as 10–15% on interest, and exempt certain capital gains. But you must file Form 10F and submit a TRC from your country of residence. Most NRIs never do this.
04
Falling for cross-border financial productsOffshore-sold investment-linked insurance, foreign-broker ULIPs, and "high-yield" overseas property funds are aggressively marketed to NRIs with poor returns and opaque structures. We help you avoid these and stick to transparent, compliant Indian products.
How We Help
Six Specialised Services for
NRIs & OCIs Worldwide
GIFT City IFSC Funds (USD-Denominated)
India's first International Financial Services Centre — the biggest opportunity for NRIs in 2026. Invest in India in USD, get 10% LTCG flat (vs 12.5% mainland), no DDT, and full repatriability. Especially powerful for residents of low-tax jurisdictions like UAE and Singapore, but advantageous for all NRIs seeking USD exposure.
  • USD-denominated mutual funds
  • 10% flat LTCG (vs 12.5% mainland)
  • No DDT, no surcharge complications
  • Full repatriability without restrictions
Top Pick
NRE / NRO Account Strategy
Choose the right account structure for your goals — fully repatriable NRE for foreign earnings (tax-free interest in India) and NRO for India-sourced income. Most NRIs get this structure wrong and end up paying 30% TDS on NRO interest unnecessarily, or lose repatriability by routing through the wrong account.
  • NRE preferred for foreign-earned funds
  • FCNR-B deposits for currency hedge
  • PIS account for stock market access
  • Joint holder and mandate tactics
Foundation
DTAA & Cross-Border Tax Optimisation
Don't pay tax twice. India has Double Taxation Avoidance Agreements with 90+ countries — including UAE, US, UK, Singapore, Canada, and Australia. We help you claim lower TDS rates, file Form 10F & TRC documentation, and minimise your global tax bill across both jurisdictions.
  • DTAA benefit analysis for your country
  • Form 10F electronic filing
  • Lower TDS rates on Indian income
  • Foreign Tax Credit claims
Tax Saver
Indian Real Estate & Repatriation
NRIs can buy Indian residential and commercial property freely (except agricultural land). We help with structuring purchase, capital gains optimisation on sale, the 12.5% LTCG rate, Section 54/54EC reinvestment options, and repatriation of sale proceeds (USD 1M/FY limit) — fully RBI / FEMA compliant.
  • Property purchase advisory
  • USD 1M/FY repatriation planning
  • Capital gains optimisation on sale
  • RBI / FEMA compliance
Real Estate
Returning to India? Plan for RNOR Status
When you decide to return to India permanently, you have a 2–3 year tax window called RNOR (Resident but Not Ordinarily Resident) where global income is NOT taxed in India. Used right, this is when you sell foreign assets, restructure portfolios, and bring funds back tax-free. Critical for NRIs returning from any country.
  • RNOR window calculation (2–3 years)
  • Tax-free foreign asset disposal
  • Pre-return portfolio restructuring
  • Compliance for the post-RNOR period
Returning NRI
NRI Insurance & Cross-Border Estate
Specialised insurance products for NRIs — term cover that pays out globally, India-only health policies for when you visit, and international cover for family. Plus cross-border estate planning: Indian + foreign will coordination, inheritance tax minimisation, and OCI/PIO succession structures.
  • NRI-eligible term life insurance (₹1–5 Cr cover)
  • India-only health policies for NRIs
  • Indian + foreign will coordination
  • Trust structures for NRI families
Protection
Case Study · One Of Many
How a Dubai-Based Software Architect Saved ₹3.8L in Tax

Mr. K, a 38-year-old engineering manager in Dubai with AED 2L+ monthly salary, was investing in Indian mutual funds via NRO account and paying 30% TDS on NRO interest. His agent had also pitched a UAE-issued ULIP with 4% IRR over 15 years (we calculated it). We migrated his investments to GIFT City IFSC funds (USD-denominated, 10% LTCG flat), opened NRE accounts for fresh investments, helped him obtain a UAE TRC for DTAA benefits, and replaced the ULIP with a term policy + diversified equity SIP. Year-one savings: ₹3.8L tax + ₹1.2L from cancelled ULIP = ~₹5L recovered. Over 15 years, the difference compounds to ₹70L+.

We work with NRIs across UAE, US, UK, Singapore, Canada, Australia and beyond — the principles (right account, right tax structure, right product) apply everywhere. *Client name changed for privacy. Outcomes vary based on individual circumstances.

Let's Have a Real Conversation

A 30-minute discovery call. No pressure, no commitment. Just clarity on whether we are the right fit for your situation.

Book a Consultation WhatsApp Now
Chat with us on WhatsApp