NRE and NRO structuring
Which account an investment should sit in, what that means when you want the money back abroad, and how to move funds between the two.
NRI investors
Invest in India from anywhere in the world
Expert guidance for Non-Resident Indians on NRE and NRO accounts, FEMA compliance, tax-efficient investing, and building wealth across borders.
What we handle
The parts that are different for NRIs
Investing from abroad is not just investing with a different address. These are the parts that change.
Remote onboarding
Paperwork, accounts and bank setup completed without you coming to India. We tell you upfront which documents need attesting.
FEMA compliance
What you are allowed to invest in from abroad, what paperwork you need to send money back out, and keeping records clean from day one.
DTAA and TDS
India has agreements with most countries so you are not taxed twice on the same money. We work out what gets deducted here and what you can claim back.
India-based goals
A property, supporting parents, school fees in India, or moving back one day. Each one needs setting up differently.
Planning a move back
Coming home changes your tax position quite a lot. It is worth planning a year or two before you move, not after you land.
Before you start
Two things worth knowing upfront
- Investors in the USA and Canada face restrictionsAmerican reporting rules mean several Indian fund houses will not take money from people living in the USA or Canada, and others will only with extra paperwork. If you are in either country, tell us early and we will find out what is actually open to you before anything else.
- Repatriation is not automatic in every caseMoney invested from an NRE account can generally be sent back abroad. Money invested from an NRO account can too, but only up to a yearly limit and with more paperwork. So the account you start from matters when you want the money out, not just when you put it in.
Why clients work with us
Practical, not theoretical
- Everything works remotelySetup, transactions, reviews and paperwork all happen online, whatever your time zone.
- Coordinated with your CAIf you already have a CA in India or abroad, we work with them rather than around them.
- Plain about limitsIf something is not allowed, or just not worth doing, we say so.
Jurisdiction
Where you live changes what is available
Fund house acceptance varies by country of residence. This is the first thing we check, before any discussion of schemes. The list below is indicative — we confirm current availability with each asset management company at the time you invest.
United Arab Emirates
United Kingdom
Singapore
Saudi Arabia
Qatar · Kuwait · Oman
Australia & New Zealand
Germany · France · Netherlands
Switzerland · Ireland · Nordics
Rest of the European Union
Hong Kong · Japan · Malaysia
United States — limited fund houses
Canada — limited fund houses
Several Indian asset management companies decline subscriptions from residents of the USA and Canada because of FATCA reporting obligations, and others accept them only with additional documentation. If you are in either country this does not necessarily rule out investing — it narrows the field, and we would rather tell you that on the first call.
Plain english
The terms that keep coming up
Cross-border investing has its own vocabulary. Here is the short version.
- NRE account
- A rupee account you fund from money earned abroad. What you put in can generally be taken back out of India, and the interest is not taxed here.
- NRO account
- A rupee account for money you earn in India, such as rent or a pension. You can send it abroad, but only up to a yearly limit and with paperwork. Interest is taxed.
- FEMA
- The law that sets out what people living abroad can invest in within India, and how money may move in and out.
- DTAA
- An agreement between India and the country you live in, so the same income is not fully taxed in both places.
- TDS
- Tax taken off at the moment you withdraw, rather than collected from you later.
- FATCA
- An American law requiring financial firms to report accounts held by US taxpayers. It is why several Indian fund houses will not take investors living in the USA.
Start from wherever you are
Tell us where you live and what you currently hold in India, and we will come back with what is actually available to you.