NRI India-Ready Score · 2 minutes

Living abroad? See whether your money back in India is set up right.

A score out of 100
Your top fixes
A PDF report to keep

Where do you live?

UAE & Gulf UK USA Canada Singapore Australia Germany & Europe At sea Other

Traveller at an airport window watching a plane take off at dusk

Rooted in India, wherever you live

Invest in India from abroad, for a secure and often early retirement.

Many NRIs build wealth abroad so they can retire early, back home in India or wherever life leads. Seafarers, professionals working overseas and global investors each face different questions. We plan around yours.

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Seafarers

Working Abroad

Global Investors

Where our NRI clients live: United States · United Kingdom · UAE & the Gulf · Singapore · Returning to India

Find yourself here

Plans shaped around your life.

Pick the one that sounds most like you: the situation, what matters and how we'd help all change with it.

Choose what describes you

Ship officer in uniform looking out to sea from the deck at sunset

Seafarers

Long contracts at sea, lumpy income, and a clear goal: retire early, on your terms.

Months at sea, then months at home. Income arrives in large contract-sized pieces, your residential status can change from year to year, and many seafarers aim to stop sailing early, so the corpus has to be built faster and more deliberately.

Clarity on residential status each year
Deploying contract earnings with discipline
An early-retirement corpus
Strong life and health protection
Family needs covered while you're away

How we help

Confirm your residential status and what it means for your investments and taxes.
Turn each contract's earnings into a steady, goal-based investment plan.
Build toward early retirement, with your family protected while you're at sea.

Talk to us about your situation

Tax, regulatory and repatriation specifics depend on your residency and are confirmed for your situation.

Is this you?

Four scrolls. See if this sounds familiar.

The situation most NRIs are in, what it's quietly costing them, and what changes once it's handled.

Sound familiar?

01/04Sound familiar?

01 · Sound familiar?
It's 11 pm in London and you're on the phone with your bank in Margao.
Parents in Goa, a flat you may return to, NRE and NRO accounts you opened years ago, and a salary that lands in pounds, dollars or dirhams. India is home. Managing it from abroad is exhausting.
02 · What it's quietly costing you
Money parked in the wrong place, for years.
Balances sitting idle in NRO accounts. Investments made while you were resident that may no longer suit your status. Repatriation and tax questions nobody has answered clearly. Time zones make it easy to put off, every year.
03 · What we do about it
One India plan, built around your residency.
We map your Indian and overseas finances, confirm what your residential status allows, and plan the India goals that matter: supporting parents, the flat, a return home, an early retirement. Calls and WhatsApp at hours that suit your time zone.
04 · Where you'll be
India, handled, from wherever you are.
A clear plan for your India money, the right accounts for each purpose, and someone on the ground who understands NRI rules. Specifics confirmed for your country and your situation.

Where do you live?

Every country changes the rules a little. Pick yours to see what matters most.

Good to know

01
Some fund houses don't accept investments from investors living in the US or Canada, so the choice is narrower.
02
US tax rules on foreign funds (PFIC) can make Indian mutual funds expensive at tax time.
03
FATCA and residency declarations are part of most Indian investments.

What we do for you

Check which fund houses and routes are open to you
Keep clean India records for your US tax preparer
Coordinate with your US tax adviser before you invest

General information, not tax advice. Tax and regulatory specifics depend on your circumstances and are confirmed with your tax adviser.

NRE vs NRO account: the two, side by side.

Most NRI confusion starts here. The right account depends on where the money came from and where it needs to go.

NRE

NRO

What goes in

Money you earn abroad

Income earned in India: rent, dividends, pension

Taking it back abroad

Fully repatriable

Up to USD 1 million a financial year, with the required paperwork

Interest, in India

Tax-free

Taxable, with tax deducted at source

Joint account

Usually with another NRI

Can be held with a resident Indian

Best for

Saving and investing your overseas earnings

Managing the income you earn in India

What NRIs ask us most.

The worries are surprisingly similar, whether you’re in Houston, Leicester or Dubai.

I live in the US and my Indian mutual funds turned into a tax headache.

US rules on foreign funds can be punishing. We check which options suit US residents and work alongside your US tax preparer before anything is invested.

Should this go through my NRE or my NRO account?

It depends where the money came from and whether you'll want to take it back abroad. We match each goal to the right account.

My investments are spread across five platforms and two countries.

We bring your India investments into one view, check KYC and nominations, and keep everything tidy from wherever you are.

Everyone tells me to buy another FD, a ULIP or a flat.

There's more to investing in India than NRE deposits, insurance-linked plans and property. We start from your goals and risk, then look at what fits.

Everything handled remotely.

No flights home, no queues at the bank. Here’s how it works from wherever you are.

Step 1
A call in your time zone
Video or WhatsApp, at an hour that suits you.
Step 2
Digital onboarding
KYC, FATCA and NRE/NRO details, filled in online.
Start the NRI form
Step 3
Map and profile
Your India goals, existing investments and risk profile.
Step 4
Ongoing reviews
Regular check-ins and updates, all remote.

Quick self-check

Tap what sounds like you.

Ten seconds, no wrong answers. If any of these apply, it's worth a conversation.

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Tap everything that sounds like you.

Be honest. It takes ten seconds.

Or get your full Financial Readiness Score (60 seconds)

Questions NRIs ask us.

Don’t see yours? Ask us on WhatsApp, at any hour that suits your time zone.

Yes. NRIs can invest in Indian mutual funds once their KYC is updated to NRI status and a FATCA declaration is on file. Money goes in from an NRE account (repatriable) or an NRO account (for income earned in India). Investors living in the US or Canada can use only some fund houses, and must be in India to sign a physical form for every purchase and redemption, so we check which funds are open to you before you invest. Tax is deducted at source when NRIs redeem, at rates that depend on the fund type and how long you held it.

An NRE account holds money you earn abroad. It is fully repatriable and its interest is tax-free in India. An NRO account holds income earned in India, such as rent, pension or dividends. Its interest is taxable in India, and taking money abroad from it is limited (up to USD 1 million a financial year, with paperwork). Investments made from NRE money can usually be taken back abroad; investments from NRO money follow NRO rules. We help you choose for each goal.

It can, because residency depends on days spent in India each financial year. We plan around your likely status and revisit when your sailing pattern changes.

Yes. Conversations happen over video calls and WhatsApp, scheduled around your time zone.

We plan the India side and coordinate with your tax advisor where cross-border tax matters. Tax and repatriation specifics are always confirmed for your situation.

We reply on WhatsApp or call you to understand what you're looking for and set up a first conversation at a time that suits you. No pressure, no obligation.

No. Investments carry risk and past performance does not guarantee future results. We focus on a disciplined plan you can stay with.