Different lives abroad. One shared goal, a secure future, often an 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.
Where our NRI clients live: United States · United Kingdom · UAE & the Gulf · Singapore · Returning to India
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
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
- 1Confirm your residential status and what it means for your investments and taxes.
- 2Turn each contract's earnings into a steady, goal-based investment plan.
- 3Build toward early retirement, with your family protected while you're at sea.
Tax, regulatory and repatriation specifics depend on your residency and are confirmed for your situation.
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 · 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 or NRO? The two accounts, 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.
FWUS 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?
FWIt 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.
FWWe 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.
FWThere'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 formStep 3
Map and profile
Your India goals, existing investments and risk profile.
Step 4
Ongoing reviews
Regular check-ins and updates, all remote.
Tap what sounds like you.
Ten seconds, no wrong answers. If any of these apply, it's worth a conversation.
Tap everything that sounds like you.
Be honest. It takes ten seconds.
Questions NRIs ask us.
Don’t see yours? Ask us on WhatsApp, at any hour that suits your time zone.
Generally yes, through NRE/NRO routes. Some fund houses restrict investors resident in the US or Canada, so we check which options are open to you before recommending anything.
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.
Every path leads to one plan.
Whichever describes you, the work starts with a plan, then the right solutions are chosen inside it.
Ready to begin?
Start your onboarding online.
Share your details securely in a few minutes. We review them and get in touch to complete the next steps with you.
- 1Fill in your details online
- 2We review and call you
- 3Start investing
Margao · Dubai · London · Singapore · New York
Let's talk about your financial life.
Book a consultation and we'll start with where you stand today, then build the plan around it.
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