SEBI-registered advisors who specialize in NRI finances — from FEMA compliance and NRE/NRO accounts to tax treaties, repatriation, and India-based investment management — all handled remotely across time zones.
Managing money across borders is far more complex than investing domestically. As an NRI, you're navigating two tax systems, two legal frameworks, currency fluctuations, and strict FEMA regulations — all at once.
Our dedicated NRI advisory team has handled over 2,400 FEMA-related cases and managed portfolios for NRIs in 24+ countries. We don't just advise on investments — we handle the full complexity of cross-border finance so you don't have to.
Income earned in India can be taxed both in India and your country of residence if tax treaties aren't applied correctly.
We apply DTAA for every clientUsing resident (savings) accounts after becoming NRI is illegal under FEMA and attracts penalties up to 3× the amount.
We audit and convert accountsMoving money from India to abroad requires specific documentation and limits — most NRIs don't know these rules.
We handle full repatriation supportNRIs cannot invest in certain instruments (PPF, NSC, etc.) and have special rules for equity, real estate, and mutual funds.
We identify eligible instrumentsOwning Indian property as NRI involves TDS on rental income, capital gains on sale, and repatriation approval from RBI.
We manage property taxation end-to-endYour tax liability, investment eligibility, and account type all depend on your exact residential status. Let us help you determine yours.
An Indian citizen who has stayed outside India for 182+ days in a financial year, or has gone abroad for employment/business with the intention of an indefinite stay.
Open NRE (tax-free, fully repatriable), NRO (taxable, limited repatriation), and FCNR (foreign currency) accounts. Joint accounts with resident relatives allowed.
Equity MFs, direct stocks (PIS route via RBI), government bonds (RBI retail direct), REITs, InvITs, and commercial real estate. NPS Tier I allowed.
Can purchase residential and commercial property (not agricultural). Rental income taxable. Capital gains taxable — TDS at 20% for long-term, 30% for short-term.
Income accrued or received in India is taxable. Apply DTAA with resident country to avoid double taxation. Annual ITR filing required if income exceeds ₹2.5L.
A foreign national of Indian origin registered under the Citizenship Act 1955. OCI card holders get most rights of NRIs except voting rights and certain restricted property purchases.
Lifelong visa to India, parity with NRIs in economic/financial/educational fields, special dispensation in areas notified by Central Government.
Same investment rights as NRIs — equity, MFs, bonds, NPS Tier I, and real estate. All subject to FEMA regulations and applicable TDS rules.
Sale proceeds of assets acquired through NRE/foreign funds are freely repatriable. NRO-based proceeds up to $1M per financial year with CA certificate.
A foreign citizen (not Pakistani/Bangladeshi) who held an Indian passport at any time, or whose parent/grandparent was a citizen of India. OCI has largely replaced PIO cards since 2015.
We strongly recommend all PIO card holders convert to OCI for lifelong visa benefits and clearer regulatory treatment. We guide the full conversion process.
Equity mutual funds, listed equity (via RBI PIS route), NPS Tier I, and real estate (excluding agricultural land). Same FEMA/DTAA rules as NRI apply.
An individual who has returned to India after being an NRI is treated as RNOR for 2 years. This is a transitional status that provides significant tax advantages before becoming a full resident.
The 2-year RNOR window is one of the most tax-efficient periods for returning NRIs. Bring foreign assets to India, convert accounts, and restructure — all with minimal Indian tax impact.
We create a comprehensive RNOR exit plan: repatriate foreign funds, convert accounts to resident status, harvest capital gains at lower tax, and build the India-based portfolio before full resident status kicks in.
Exact RNOR duration depends on your history. We calculate your precise RNOR window and create a month-by-month action checklist to maximize every tax benefit available to you.
Choosing the right account type determines your tax liability and repatriation ability. Here's a complete comparison.
India taxes NRIs only on income sourced or received in India. However, the rules around TDS, DTAA, and capital gains are complex — and mistakes are costly.
India has Double Taxation Avoidance Agreements (DTAA) with 90+ countries. If you live in one of these countries, you may not need to pay full tax in both countries on the same income. We apply DTAA to every NRI client's tax situation.
| Income Type | Tax Rate | TDS | DTAA Relief |
|---|---|---|---|
| NRE Account Interest | Nil (Tax-Free) | No TDS | N/A |
| NRO Account Interest | 30% + surcharge | 30% TDS | Available |
| FCNR Account Interest | Nil (Tax-Free) | No TDS | N/A |
| Rental Income (Property) | Slab rates | 30% TDS | Available |
| Dividends (Stocks/MFs) | 20% flat | 20% TDS | Available |
| Short-Term Capital Gains (Equity) | 20% | 15%–20% | Available |
| Long-Term Capital Gains (Equity) | 12.5% (>₹1.25L) | 10% | Available |
| Property Sale — LTCG | 12.5% (w/o indexation) | 20% TDS | Available |
| Property Sale — STCG | Slab rates | 30% TDS | Available |
| Pension / Salary (India Source) | Slab rates | As applicable | Available |
Tax rates as per FY 2025-26 applicable to NRIs. Surcharge and cess may apply. DTAA rates may differ. Consult our advisor for personalised tax assessment.
A step-by-step guide to legally moving your India-based earnings abroad — handled entirely by our team on your behalf.
Funds from NRE accounts are freely repatriable (no limits). NRO funds require CA certification (Form 15CA/15CB) and are subject to the $1 million per financial year limit.
We assess your account structure firstFor NRO remittances exceeding ₹5 lakhs, a Chartered Accountant must certify Form 15CB confirming all applicable taxes have been paid. Form 15CA is then filed online with the Income Tax department.
Required for NRO > ₹5L transfersSubmit the required forms, source-of-funds declaration, and KYC documents to your Indian bank. The bank verifies FEMA compliance before processing the outward remittance.
We prepare all documentationWe advise on optimal conversion timing using exchange rate monitoring. For large transfers, we explore wire transfer, demand draft, or forex card options to minimize conversion loss.
Rate optimization can save 1–2% on large transfersOnce received abroad, the funds may need to be declared in your country of residence (FBAR/FATCA for US, HMRC for UK, etc.). We coordinate with international tax consultants as required for full compliance.
Country-specific declaration may be neededEnd-to-end financial management for Non-Resident Indians — handled remotely, delivered reliably.
Complete setup and regularization of NRE, NRO, and FCNR accounts, including conversion of existing resident accounts to NRI-compliant accounts.
Portfolio construction using NRI-eligible instruments — equity MFs via NRE/NRO, direct stocks on PIS route, bonds, REITs, and NPS.
Annual ITR filing for NRIs, TDS refund claims, DTAA application, and advance tax advisory for India-sourced income optimization.
End-to-end support for NRI property ownership — purchase advisory, rental income management, TDS compliance, and sale with repatriation.
Complete repatriation support — Form 15CA/15CB, bank coordination, forex optimization, and international tax compliance across jurisdictions.
Structured RNOR transition plan for returning NRIs — account conversion, foreign asset repatriation, and tax-optimized wealth restructuring during the transition window.
Tax treaties, local regulations, and remittance rules vary by country. We provide country-specific guidance for all major NRI hubs.
From initial consultation to fully managed India portfolio — here's exactly how we work.
30-min video call to understand your country of residence, income sources, existing India assets, and goals.
Complete audit of all India-based assets: bank accounts, investments, property, EPF, and insurance — checking compliance.
Convert accounts, obtain PAN, complete KYC for MF/demat, set up NRE/NRO structure, and file pending ITRs.
Written investment plan with NRI-eligible instruments, tax strategy, repatriation schedule, and return-to-India roadmap.
Quarterly portfolio reviews (video call, your time zone), annual ITR filing, repatriation support, and continuous compliance monitoring.
Real experiences from NRIs across the world who trust Wealth Bridge with their India finances.
"I had no idea my resident savings account needed to be converted after I moved to the US — I was technically non-compliant for 3 years. Wealth Bridge fixed everything, filed my back-dated ITRs, and now my portfolio is fully compliant. They saved me from potential huge penalties."
"Living in Dubai with zero tax here, I never optimised my India investments. Wealth Bridge moved my NRO FDs to NRE accounts, got DTAA certificates, and restructured everything — my effective India tax rate dropped from 30% to under 12%. Incredible results."
"When we decided to return to India from London after 12 years, we had no idea about RNOR status or how to bring our savings back tax-efficiently. Wealth Bridge's RNOR planning saved us over ₹18 lakhs in tax. The transition was completely smooth."
Answers to the most important questions NRIs ask us — plainly explained.
Ask Our NRI AdvisorBook a free 30-minute NRI Financial Assessment. We'll review your India assets, identify compliance gaps, and build a personalised roadmap — all via video call at your convenient time.