Financial Planning for NRIs & OCIs Living Across Countries
Managing money as an NRI or OCI is more complex than managing finances within one country. You may earn and save overseas while continuing to hold investments, property, bank accounts or family responsibilities in India.
PrimeWealth helps bring these financial decisions together through structured financial planning. Your plan can consider your Indian and overseas assets, investment goals, retirement, tax implications, NRE/NRO accounts, repatriation needs, estate planning and future plans to return to India.
Instead of looking at each investment separately, the goal is to build one financial roadmap around your life, financial goals, residency and long-term plans.
What Can a Financial Planner for NRIs Help You With?
Managing Investments in India – Review your Indian investments together with your overseas assets so your portfolio is aligned with your goals, risk profile and future plans.
India vs Overseas Asset Allocation – Understand how much of your wealth should remain in India and overseas based on your retirement location, financial goals, currency needs and existing investments.
NRE, NRO, FCNR & RFC Planning – Understand which accounts may be relevant for your income, investments, repatriation needs and future return to India.
NRI Tax Planning – Consider Indian-source income, TDS, capital gains, rental income, DTAA and changing tax residency as part of your broader financial plan.
Return to India Financial Planning – Prepare for changes involving residential status, RNOR, bank accounts, overseas assets, investments and retirement when moving back to India.
NRI Retirement Planning – Estimate the retirement corpus you may need based on future expenses, inflation, existing assets and where you plan to retire.
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Our NRI & OCI Financial Planning Services
How Our NRI Financial Planning Process Works?
Planning to Return to India?
Returning to India can change your banking, taxation, investments and retirement planning.
Before Returning –Review overseas investments, Indian assets, retirement accounts, property and expected future expenses.
During the Move – Review residential status, NRE/NRO accounts, FCNR deposits, currency requirements and overseas income or assets.
After Returning – Review RNOR eligibility, RFC accounts, investment restructuring, retirement income, taxation and estate planning.
OCI Financial Planning
OCI cardholders may continue to have important financial connections with India through investments, inherited assets, property, bank accounts, family responsibilities or future retirement plans.
A financial planner for OCI clients can help bring these Indian financial matters into one structured plan while considering the client’s wider financial position abroad.
PrimeWealth’s OCI financial planning can cover Indian investments, retirement planning, banking, repatriation, estate planning and long-term financial goals.
How Much CORPUS Do You Need To WITHDRAW ₹3 Lakh Per Month? (Post Retirement as NRI)
How This NRI Created ₹63,000 Monthly Pension for His Father Using Mutual Funds (Complete Strategy)
Delaying Your Investments as an NRI Can Cost You Crores: Real Life Case Study
Whether you’re seeking clarity about our products, services, or policies, you’re likely to find the information you need right here. Explore the questions and answers below to enhance your understanding of our offerings.
An NRI financial planner helps organise financial decisions involving Indian investments, retirement, banking, taxation, repatriation, estate planning and other India-related financial goals.
NRIs often have income and assets across more than one country. Financial planning helps bring these decisions together based on goals, residency, risk and future plans.
Yes. OCI financial planning can cover Indian investments, property, banking, retirement, estate planning and other financial connections with India, subject to applicable regulations.
Yes. Return-to-India planning can include investments, retirement, residential status, RNOR, NRE/NRO accounts, FCNR/RFC accounts and overseas assets.
- Holistic Philosophy
- Client’s Best Interest
- Goal Based Approach
