Grow globally. Plan responsibly. Protect intelligently.
Living abroad doesn’t reduce your financial responsibilities in India —
it often makes them more complex.
From taxation and repatriation rules to cross-border compliance and product eligibility, NRIs require structured guidance, not generic advice.
At PaisaNurture, our Certified Financial Planner (CFP)-led approach ensures your Indian investments and protection strategies align with:
- Your country of residence
- FEMA regulations
- Tax considerations
- Repatriation needs
- Long-term wealth objectives
Cross-border wealth requires cross-border thinking.
Why NRI Financial Planning Is Different
NRI investing involves additional layers:
- Residential status classification (NRI / OCI / RNOR)
- Tax implications in two jurisdictions
- Repatriable vs non-repatriable investments
- Banking structure (NRE / NRO / FCNR)
- Documentation and compliance
What works for residents may not work for NRIs.
We help you avoid:
- Ineligible investments
- Improper account structuring
- Tax inefficiencies
- Missed compliance requirements
Our Core NRI Offerings
GIFT City Investments
Global investing from Indian soil.
GIFT City (IFSC) opens structured access to:
- Foreign currency-denominated investments
- International market exposure
- Tax-efficient frameworks (subject to regulations)
- Diversified global asset participation
- USD-based portfolios
- Global equity and debt exposure
- Diversification beyond domestic markets
We help evaluate:
- Suitability
- Regulatory eligibility
- Portfolio allocation
- Risk alignment
GIFT City is powerful — when used with structure.
Mutual Funds & Equity Investments
Participating in India’s growth — compliantly.
NRIs can invest in Indian:
- Mutual Funds (SIP & Lump Sum)
- Equity markets
- Portfolio strategies
However, suitability depends on:
- Country of residence
- FATCA declarations
- Tax treaty implications
- Repatriation needs
We focus on:
- Goal-based allocation
- Long-term discipline
- Risk-managed exposure
- Compliance alignment
Investing in India should feel strategic — not confusing.
Insurance Solutions for NRIs
Protection structured across borders.
Many NRIs assume:
- Insurance is unnecessary if covered abroad
- Indian policies cannot be structured properly
- Eligibility is limited
In reality, structured solutions can include:
Term Insurance
Protecting Indian liabilities, dependents, or estate plans.
ULIPs
Market-linked insurance with long-term wealth alignment.
Pension & Retirement Plans
Structured income planning in INR for future relocation or family security.
Each plan must consider:
- Residency status
- Premium payment currency
- Taxation in both countries
- Long-term settlement objectives
Insurance for NRIs requires more planning than product comparison.
How PaisaNurture Adds Value for NRIs
- CFP-led cross-border thinking
- Multi-company access
- Structured documentation guidance
- FEMA-aware planning
- Goal-based asset allocation
- Long-term relationship approach
We don’t treat NRI investing as a niche.
We treat it as a specialised planning discipline.
Who This Is For
- Professionals working abroad with Indian financial interests
- NRIs planning eventual relocation
- Families supporting parents in India
- Investors seeking global diversification
- Individuals restructuring old Indian investments
Who This Is Not For
- Those seeking quick product purchases
- Investors ignoring tax implications
- Short-term speculative participants
Cross-border wealth demands patience and structure.
A Thought Before You Proceed
If you are managing Indian assets from overseas without structured review,
you may be carrying hidden inefficiencies.
A proper review often reveals:
- Better allocation clarity
- Improved tax positioning
- Cleaner repatriation structure
- Reduced compliance risk
