Your Indian finances, wherever you live
Moving abroad, living overseas and returning to India bring different questions about accounts, mutual funds, tax and family arrangements. Use this guide to prepare the right questions for your bank, fund provider and qualified specialists.
i2 Finserv distributes Indian mutual funds under ARN-90748. Country, scheme and onboarding eligibility must be confirmed for each case. Tax, legal, estate and wider NRI questions are handled by partner firms. Confirm the provider and scope before sharing documents.
Explore by place of residence
Tax treaties, pensions and product onboarding vary by country.
Moving, living overseas and returning
Before moving abroad
- Tell your bank when your residential status changes. Ask which accounts need redesignation and what documents the bank requires.
- Update address, tax residence, contact and nominee records with banks, AMCs and insurers where required.
- Ask qualified legal and tax professionals about property, powers of attorney, wills and reporting in each country.
While living overseas
- Check the AMC's current country, scheme, KYC and bank-account requirements before applying for an Indian mutual fund.
- Compare a scheme's objective, risk, costs and exit terms. A SIP and a lump-sum purchase do not guarantee returns.
- Indian rent, interest and investment gains may need different tax treatment. A treaty benefit depends on residence, income type and documents.
- Review insurance beneficiaries and practical access to family financial records with the relevant providers.
When returning to India
- Tell your bank when residency changes and ask how NRE, NRO and other accounts should then be handled.
- Review overseas retirement products, Indian investments, insurance and nominees before moving money.
- Ask qualified specialists to review cross-border income, property and succession questions.
Common questions from NRIs
Can NRIs invest in Indian mutual funds?
Many NRIs can invest, but availability depends on residence, the AMC and scheme, KYC, and bank account rules. Check current requirements with the provider before applying. i2 Finserv distributes mutual funds under ARN-90748.
What is the difference between NRE and NRO accounts?
NRE accounts generally hold foreign earnings converted into rupees; NRO accounts generally hold Indian-source income. Interest, transfers and repatriation are treated differently. Confirm current rules for your status with your bank and a qualified tax professional.
How does DTAA help reduce my tax burden?
A Double Taxation Avoidance Agreement may affect how an income stream is taxed in India and your country of residence. Benefits depend on current treaty terms and documentation. Seek qualified tax advice; i2 Finserv does not directly provide treaty advice or file returns.
What are my Indian tax filing obligations as an NRI?
Filing can depend on residence status, Indian-source income and current law. Rent, interest and investment gains may need separate treatment. A qualified tax professional should assess whether you must file or can claim a refund or treaty benefit.
Is FEMA compliance mandatory for NRIs?
Foreign exchange and certain investment or property transactions can be subject to FEMA rules. Notify your bank when residency changes and confirm account, remittance and transaction requirements with your bank or a qualified specialist.
Can I buy property in India as an NRI?
Property eligibility depends on property type, residence and current law. Funding, rental income and sale proceeds can also have tax and remittance consequences. Confirm these with qualified legal and tax professionals; i2 Finserv does not directly provide property or estate services.
How do I repatriate money from India?
The route and documents depend on your account, source of funds and current bank and tax rules. Ask your bank about permitted transfers and a qualified tax professional about any certification or clearance before remitting.
Can I manage everything remotely without visiting India?
You can begin a conversation with i2 Finserv by phone, WhatsApp or a scheduled call. Banks, AMCs and other providers set their own verification and signing requirements, so a fully remote journey cannot be promised for every case.
Where to go next
For Indian mutual funds, read the fund information before asking about an application. Your bank and the AMC determine whether a specific investment is available to you. For tax, legal or estate matters, consult a qualified specialist in the relevant country.
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