NRI Financial Advice
Tailored Financial Services for Global Citizens
Financial Advice for Non-Resident Indians
For Non-Resident Indians, building a financial life across two countries brings real opportunity and real complexity. You may earn abroad, support family in India, hold property and investments there, and intend one day to return — or not.
Managing money across the Indian and international systems, each with its own rules, is where many NRIs need expert, joined-up advice. NEBA Private Clients helps NRIs structure, grow and protect their wealth on both sides, with clarity and confidence.
The challenges NRIs face
- Managing income and savings across two currencies and two financial systems
- Understanding how your residential status affects how you are taxed in India and in your country of residence
- Navigating the rules on what can be held, invested and repatriated
- Ensuring investments in India are managed properly from abroad
- Planning for the future, whether you settle overseas or return to India
Investing as an NRI
NRIs have access to a range of India-based and international investment options, but the right approach depends on your residential status, your goals and the rules that apply to non-residents.
Holding the correct account types and structures matters, and getting this wrong can create tax and compliance problems. We help you build a portfolio that works across both jurisdictions.
Tax and repatriation
Your tax position depends on your residential status under Indian rules and the rules of your country of residence, and the two interact.
Double-taxation agreements may provide relief but often must be claimed correctly. The rules governing how funds can be moved between India and abroad (“repatriation”) are specific and must be followed carefully.
This is an area where specialist advice is strongly recommended rather than optional.
How NEBA Private Clients helps
- We help you understand your cross-border position across India and your country of residence
- We build investment and savings strategies suited to NRI status
- We coordinate tax, repatriation and estate considerations across borders, drawing on regulated permissions across the UAE, Singapore, Malaysia, South Africa and the UK, including FCA-regulated UK operations through our membership of TEAM plc
- We keep your plan current as your circumstances and the rules change
Frequently asked questions
Who is considered a Non-Resident Indian (NRI)?
Broadly, an Indian citizen or person of Indian origin living outside India; your precise residential status is defined under Indian rules and affects how you are taxed and what you can hold.
Can NRIs invest in India?
Yes — NRIs can access a range of investment options in India, but the right accounts and structures depend on residential status and the rules for non-residents.
How are NRIs taxed?
It depends on your residential status in India and the rules of your country of residence; the two interact, and double-taxation agreements may provide relief.
Can I repatriate money from India to abroad?
Funds can be moved between India and abroad under specific rules; the process must be followed carefully, which is why advice helps.
Do I need advice in both countries?
Usually a coordinated cross-border view is best — advisers familiar only with one side may miss how the two systems interact.
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Tailored Wealth Strategies for Discerning Clients
At NEBA Private Clients, we understand that true wealth management goes beyond mere numbers. It’s about crafting bespoke strategies that align with your life’s goals and aspirations. Our expert team is dedicated to providing sophisticated solutions for high-net-worth and ultra-high-net-worth individuals.
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