Built for NRIs, not bolted on. FEMA compliance, cross-border tax planning, PoA management, remittance advisory, and property services — because managing Indian wealth from abroad shouldn't be a nightmare.
End-to-end FEMA advisory — NRE/NRO account management, LRS utilization (USD 250K/year), property acquisition rules, and repatriation compliance. Avoid penalties of up to 3x the violation amount.
Which account for what? NRE for repatriable funds (tax-free interest), NRO for Indian income. Account conversion within 30 days of status change. We ensure compliance.
PoA drafting and management for NRIs — for property transactions, bank operations, and legal proceedings in India. Registered vs general PoA guidance.
Optimal routing for money transfers to/from India. LRS limits, TCS implications (20% above INR 7 lakh), and forex rate optimization.
Complete financial transition plan for NRIs returning to India — RNOR status planning, account conversions, portfolio rebalancing, and tax filing strategy.
US/Canada-based NRIs face additional FATCA reporting requirements. We help with compliant fund selection, Form W-8BEN, and FBAR filing coordination.
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Moving back to India? Account conversions, RNOR status, portfolio rebalancing, tax filing — the complete financial transition guide.
Under FEMA, NRIs can purchase residential and commercial property in India without RBI permission. Payment must be through NRE/NRO/FCNR accounts — no foreign currency payments. Agricultural land, plantation property, and farmhouses cannot be purchased by NRIs. Sale proceeds repatriation is capped at USD 1 million per financial year from NRO accounts.
FEMA requires resident savings accounts to be redesignated as NRO accounts within a reasonable time of becoming a non-resident. While 30 days is the commonly cited timeline, there's no explicit statutory deadline. However, failure to redesignate can lead to FEMA violations with penalties up to 3x the amount involved. Banks may also freeze accounts if they detect non-compliance.
From NRE accounts: unlimited repatriation, no restrictions. From NRO accounts: up to USD 1 million per financial year (net of taxes), requires CA certificate in Form 15CA/15CB. Sale proceeds of property: repatriation allowed for up to 2 residential properties, capped at USD 1 million per financial year.
Book a free 30-minute consultation. We'll assess your situation and create a personalized roadmap. No commitment required.