The India side of your life, sorted.
You built a life abroad. India didn't stop being home. Ask anything about your money back home — tax, moving back, what happens to it all someday — and get a straight answer with the law behind it. A real chartered accountant steps in when it matters.
Get early access
Founding members go first — and get their personal Residency & RNOR report free at launch.
You're in.
We'll write to you before anyone else. It'll be worth the wait.
For the questions that keep you up at 1am
Plenty of apps want to sell you a fund. Nobody sits with you through the hard parts — so that's exactly where we start.
A month-by-month plan built around your landing date — your RNOR window, account conversions, your 401(k), UK pension or super, your ESOPs. Not generic advice; your sequence.
At launchProbably. TDS refunds sitting unclaimed, DTAA relief you never applied for, filings done at fair prices — answered instantly, fixed by a real CA.
At launchThe question everyone postpones. Nomination gaps, an India will, power of attorney from abroad — and a step-by-step playbook your family can actually follow.
At launchSix things most NRIs find out too late
A small taste of what the navigator does all day. If any of these surprise you, you're exactly who we're building for.
Your return date is a tax decision
Move back and you'll likely qualify as RNOR — a transitional status where most of your foreign income stays out of Indian tax for roughly 2–3 years. Land in the wrong month and you can shorten your own window.
A nominee is not an heir
The nominee on your account or FD is usually just a caretaker who receives the money — your legal heirs can still claim it. Without a will, succession law decides, not your nomination form.
That 30% TDS? Often refundable
Rent and NRO interest get TDS deducted at the highest slab by default — usually far more than you actually owe. File a return and claim it back, or apply for a lower-deduction certificate (Form 13) before the money is even cut.
Your old savings account is a violation
Became an NRI but never converted your resident savings account? Under FEMA it should have been redesignated as NRO. It's one of the most common — and most fixable — compliance gaps.
You can take out up to $1M a year
Selling property or inheriting money in India doesn't trap it there. The USD 1 million scheme lets NRIs repatriate from NRO accounts each financial year — with the right paperwork (Forms 15CA/CB).
After you return, silence gets expensive
Once you're fully resident again, foreign assets must be disclosed in your return (Schedule FA). Miss it and the Black Money Act penalties start at ₹10 lakh per year — even if no tax was due.
Or scroll on — the free residency calculator is just below.
Where do you stand this tax year?
Your residential status decides how India taxes you. Answer four questions and find out — this is a taste of the full report founding members get at launch.
Simplified for Indian citizens & persons of Indian origin living abroad or returning. Edge cases exist (crew, deemed residency, first-year splits) — the launch report covers them for your exact dates.
The things you'd ask us first
Straight answers — it's kind of our whole thing.
What exactly is nrinivesh?
A navigator for the India side of your life. You ask questions in plain language — about tax, moving back, property, or what happens to your assets someday — and get answers that cite the actual law, rule, or circular they stand on. When a question needs judgment, a real chartered accountant steps in. When something needs doing — a filing, a certificate, a will — we get it done at a fixed, fair price.
Is this investment advice?
No — and that's deliberate. We give you information and compliance services, not "buy this fund" recommendations. We'll tell you what you're eligible for, how it's taxed, and what the process looks like. What you invest in stays your call, and where a licensed professional is required, we connect you to one.
Who answers my questions — AI or a human?
Both, in that order. The AI answers instantly from a curated library of Indian law and regulation — FEMA, the Income-tax Act, RBI and CBDT circulars — and every answer shows its sources and how current they are. Questions that need professional judgment are escalated to a chartered accountant. The AI is not allowed to guess: if it can't cite it, it hands you to a human.
What will it cost?
The waitlist is free, and so are the calculators we launch with. The full membership will cost less than a single ad-hoc CA consultation per year, and includes CA access. Services like tax filing or will drafting are priced flat and shown upfront — no "NRI markup", ever. Founding members get launch pricing locked in.
I'm not in the Gulf — is this for me?
Yes. We're built for the whole diaspora — the India side of the rules (FEMA, RNOR, TDS, succession, repatriation) is the same whether you're in Dallas, London, Singapore or Dubai. What differs is your home-country layer: your 401(k) and PFIC exposure in the US, your pension in the UK, your CPF in Singapore, your super in Australia.
We're rolling out corridor by corridor so every answer is precise, not approximate — and the waitlist decides the order. Tell us where you are; the countries that show up most get built first.
What's this RNOR window everyone talks about?
Resident but Not Ordinarily Resident — the transitional tax status most returning NRIs get for around 2–3 years. During it, most of your foreign income (interest, dividends, capital gains abroad) stays outside Indian tax, giving you a once-in-a-lifetime window to restructure — sell foreign holdings, bring money home, wind down accounts — before full residency kicks in.
Whether you qualify, and for how long, depends on your travel history and the timing of your return. That's precisely why our free founding-member report calculates it for your dates.
Tax was already deducted from my rent / interest. Is that money gone?
Usually not. TDS on NRO interest and rent is cut at high default rates that often exceed your real liability — file an Indian tax return and the excess comes back as a refund. Going forward, a lower-deduction certificate (Form 13) can stop the over-deduction at the source. Most NRIs we talk to have refunds they never claimed.
I inherited property in India. Can I deal with it from abroad?
Yes — with the right sequence. Transferring title (mutation), executing a power of attorney from abroad (attested at the Indian consulate or apostilled), handling buyer-side TDS on the sale, and repatriating the proceeds under the USD 1 million scheme are all established processes. Slow and paperwork-heavy, but entirely navigable — it's one of the core journeys we're building.
What do founding members actually get?
Three things: first access when we open, a free personal Residency & RNOR report built for your dates and situation, and founding pricing locked in for your first year. You'll also shape the roadmap — what waitlist members tell us they need is literally what we build first.
What happens with my data?
We collect the minimum, we never sell it, and we never touch your money — no account access, no fund transfers, ever. Your answers to the waitlist form are used for one thing: understanding what to build and letting you know when it's ready.
Every short form on this page, in plain words
Indian finance loves its abbreviations. Here's what they actually mean — consider this a preview of how we explain everything.
An Indian citizen living abroad — broadly, outside India for 183+ days in a financial year. Your tax and banking rules change the moment you become one.
A lifelong visa-like status for foreign citizens of Indian origin. Most NRI financial rules apply to OCIs too.
A rupee account funded from abroad. Interest is tax-free in India while you're an NRI, and the money is freely repatriable.
Where your India-side income lives — rent, dividends, pension. Interest is taxable and TDS applies; repatriation has limits and paperwork.
A fixed deposit held in foreign currency (USD, GBP, AED…) with an Indian bank — no exchange-rate risk, tax-free interest while NRI.
The transitional status most returning NRIs get for ~2–3 years, keeping most foreign income out of Indian tax. The golden window of the return journey.
Tax cut before money reaches you — from rent, interest, or a property sale. For NRIs it's deducted at high default rates, which is why refunds are so common.
The treaty between India and your country that stops the same income being taxed twice — if you actually claim it, with the right forms.
The law governing money moving in and out of India — accounts, property, repatriation. Most "can I do this as an NRI?" questions are FEMA questions.
Your annual filing with the Indian tax department. Even NRIs need one when Indian income crosses the threshold — or when there's a refund to claim.
The paperwork pair for sending money out of India — your declaration, plus a chartered accountant's certificate that tax has been handled.
Ask the tax officer to reduce TDS before it's deducted — vital when selling property, where default deduction can far exceed your real tax.
A document letting someone act for you in India — sign, register, sell — executed from abroad via consulate attestation or apostille.
Once you're fully resident again, every foreign account and asset must be disclosed here. Missing it triggers Black Money Act penalties.
India's offshore-style financial hub, offering NRIs dollar deposits and funds with special tax treatment — without the money formally "entering" India.
India's licensed tax and audit professional — the human expertise behind every answer we give and every filing we complete.
The retirement corpus from your India employment years. Claimable — and interest-earning rules change once you're an NRI. Old, forgotten PF is recoverable.
The Indian household's favorite instrument. For NRIs it comes in NRE, NRO and FCNR flavors — each taxed and repatriated differently.
32 million of us abroad. Zero platforms built for the way home.
From New Jersey to Dubai, London to Singapore, Indians overseas sent home over $110 billion last year — a record. Yet the moments that matter most, moving back and looking after family, are still handled with WhatsApp forwards and guesswork. Wherever you are, we think you deserve better than guesswork.
Join the founding waitlist