NRE / NRO Accounts

Guidance on which account to use for which investments and how to manage repatriation correctly.

FEMA Compliance

All investments structured to comply with RBI and FEMA regulations — no surprises later.

DTAA Planning

Avoid being taxed twice. We help you claim treaty benefits between India and your country of residence.

You built your career abroad. But India is still home — your family is here, your property is here, and for many NRIs, your most significant financial future is here too. Managing Indian investments, taxes, bank accounts, and estate planning from another country is complex, time-consuming, and full of compliance traps.

Arthabodhi provides dedicated NRI financial services from Powai, Mumbai — helping Non-Resident Indians invest smartly in India, stay compliant with FEMA and RBI regulations, and build long-term wealth across both countries.

What Makes NRI Financial Planning Different?

NRI finances sit at the intersection of two regulatory systems — Indian tax laws and the tax rules of your country of residence. A financial advisor who only understands one side of this equation can cost you significantly. Our NRI services cover:

  • Investing in Indian mutual funds and stocks through NRE/NRO accounts with proper FEMA compliance
  • Investing thru GIFT City to invest across geographies and currencies
  • Repatriation of funds from India — understanding what can be taken out and how
  • Tax planning for NRIs — DTAA (Double Taxation Avoidance Agreement) benefits explained
  • Managing property in India — rental income, capital gains on sale, TDS implications
  • Succession planning and Will registration for assets in India

Where Can NRIs Invest in India?

NRIs have access to a wide range of Indian investment options — more than many realise. We help you invest across:

  • Mutual Funds : Mutual funds — equity, debt, hybrid. Repatriable from NRE account.
  • Stocks : Direct equities on NSE/BSE through a Portfolio Investment Scheme (PIS) account.
  • Bonds : Government bonds and RBI bonds for fixed, low-risk returns.
  • Real Estate : Residential and commercial property — rental income management and capital gains planning.
  • Fixed Deposits : Fixed deposits via NRE (tax-free interest in India, repatriable) or NRO accounts.

NRI Tax Planning — Staying Compliant Without Overpaying

One of the most overlooked areas for NRIs is Indian tax compliance. Many NRIs don't realise they have filing obligations in India if they have rental income, capital gains, or NRO interest income. At the same time, many overpay because they don't claim the DTAA exemptions they are entitled to.We work alongside your CA or tax consultant to ensure:

  • Correct residential status determination each financial year (NRI, RNOR, or Resident)
  • Correct TDS handling on property sales and NRO income
  • DTAA benefits are claimed — especially for UAE, US, UK, Singapore and Australia, Europe
  • Timely ITR filing to avoid penalties on India-sourced income

Returning to India? Plan Your Transition Before You Land

Many NRIs plan to return to India within 5–10 years. The financial transition — converting NRE accounts, restructuring investments, understanding RNOR status, bringing funds back — needs to be planned 2–3 years in advance to minimise tax impact. We specialise in exactly this transition

Why NRIs across the Gulf, US, UK ,Europe and Singapore trust Arthabodhi

AMFI-registered advisor with 25+ years guiding NRI clients with Mumbai family roots

Deep understanding of FEMA, RBI circular compliance and DTAA benefit applications

Transparent guidance based on your life goals and requirements.

Online consultations available — video calls scheduled across time zones

We coordinate with your CA and legal advisor for end-to-end financial planning

Power of Attorney guidance for managing Indian assets while you are abroad

Book a discovery call for NRI Financial Planning Consultation

Available via video call across all time zones. 45 minutes to understand your India portfolio and what to do next.

Book Your 45-min Consultation