country code +971. investment code +91.
For Indians living abroad with rupee accounts, family back home, property in Mumbai, and tax filings in two countries. We help with NRE/NRO/FCNR setup, MF investing from abroad, repatriation, and the RNOR window when you return.
cross-border money. straightened out.
Being an NRI is paperwork-heavy in India. Accounts have rules. Mutual funds have country restrictions. Property has tax implications. We handle the maze.
NRE for foreign-earned (repatriable), NRO for India-earned (rent, dividends, restricted repatriation), FCNR for foreign currency deposits. Tax treatment differs. We tell you which money belongs in which account — and consolidate the mess if it's already spread across three banks.
Most AMCs accept NRIs from most countries, but US and Canadian residents face FATCA complications. We tell you which AMCs accept you, which schemes are NRI-eligible, and the right way to invest from NRE rather than NRO (matters for repatriation later).
Inherited property, parents' place you part-own, rental in Bandra. Capital gains math, TDS by tenant, repatriation limits ($1M/year via NRO), DTAA benefits. The paperwork most NRIs delay until they have to sell.
When you return to India permanently, you get Resident but Not Ordinarily Resident status for 2-3 years. Foreign income isn't taxed in India during this window. Used right, you can do massive tax-free withdrawals from foreign PF/401k/RSU vests. Used wrong, you pay full tax on everything.
no tips. no targets. no telegram channel.
Stock tipping services destroy more wealth than they create. Here's what we deliberately do not offer.
No "buy this Monday" calls. No "target ₹500 stop-loss ₹420" messages. That's not advisory — that's a casino dressed up in research.
Day-trading and derivatives are zero-sum games dominated by professionals with sub-millisecond infrastructure. We don't help you compete there.
Pump-and-dump dressed as "research." If your broker, RM, or advisor pushes one — that's a flag. We'll show you the SEBI rule that makes it illegal.
Archita Ritesh Gattani is an AMFI Registered Mutual Fund Distributor (ARN-320768), not a SEBI-registered stock broker or research analyst. Stock investments through funds to wealth. are facilitated by introducing you to a SEBI-registered partner broker of your choice. We do not execute trades on your behalf, do not hold your funds or securities, and do not provide stock-specific buy/sell recommendations.
What we provide is portfolio-level guidance, onboarding support, and broker comparison. The actual stock-broking relationship is between you and your chosen broker. Stock market investments are subject to market risks. Past performance is not indicative of future results.
questions, answered.
If yours isn't here, ask on the call. We answer in plain English.
Can I keep my mutual funds after becoming an NRI?
Yes, but folios must be re-tagged from resident to NRI status with KYC update. Some AMCs don't accept investments from US/Canada residents due to FATCA compliance — we'll tell you which ones do. Existing folios continue; new investments may be restricted by AMC.
NRE vs NRO vs FCNR — which account for what?
NRE (Non-Resident External) for income earned abroad, fully repatriable. NRO (Non-Resident Ordinary) for income from India (rent, dividends), partial repatriation up to USD 1 million/year. FCNR for foreign-currency fixed deposits. Most NRIs need NRE + NRO; FCNR only if you want USD-denominated FD.
What's RNOR and why does it matter?
Resident but Not Ordinarily Resident — a transitional tax status when you return to India. RNOR gives you 2-3 years of relief: foreign income (US 401K, UK pension) is not taxed in India during this window. Critical timing for repatriation planning.
Repatriation — what can I send back to my home country?
From NRE: unlimited repatriation in foreign currency. From NRO: up to USD 1 million per financial year (with CA certificate Form 15CA/CB). Mutual fund redemptions follow the source account — NRE-sourced is fully repatriable, NRO-sourced has the USD 1M cap.
Do I need to file ITR in India as an NRI?
If your India income (rent, capital gains, interest) exceeds ₹2.5L in a year, yes. Even if it doesn't, filing is recommended if you have any India sources — it makes future repatriation cleaner. We coordinate with India-based CAs who specialise in NRI returns.
Can I buy insurance from India after becoming NRI?
Yes for term life (most insurers offer), health (limited but available), and travel cover. Premium can be paid from NRE/NRO. Some plans restrict country of residence — we know which insurers are NRI-friendly and from which jurisdictions.
let's untangle your India money.
A timezone-friendly call. We'll figure out what to consolidate, what to keep where, and what to time for RNOR if you're planning a return.
got it. archita will call you.
Usually within 12 minutes during Mumbai work hours.
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