NRI Financial Advisory
India-rooted, globally aware — trusted, fee-only, commission-free financial advisory for NRIs worldwide.
Why NRIs Need Specialized Financial Guidance
As an NRI, your financial life spans two jurisdictions. Every decision — which account to use, where to invest, how to send money home, what happens to your India assets when you retire abroad — has regulatory, tax, and compliance dimensions that a standard Indian advisor is not equipped to handle.
FEMA compliance, DTAA relief, NRE vs NRO strategy, PIS accounts for equity, repatriation limits, and multi-country succession — these are not niche concerns. They are the daily financial reality for 18 million NRIs sending over $100 billion home annually. Getting them wrong costs real money and creates real risk.
Cura Capital’s NRI advisory practice is built on deep India-side expertise combined with practical understanding of the regulatory landscape NRIs navigate. We’re fee-only, entirely conflict-free, and earn nothing from any product we guide you on.
What We Cover
Six areas that together form a complete India-side financial strategy for NRIs.
DTAA Advisory
Prevent double taxation on your India income. We map your income streams against India-US, India-UK, and India-UAE treaties to identify the right relief mechanism and file correctly in both jurisdictions.
NRE/NRO Optimisation
Structure your NRE and NRO accounts to maximise tax-free repatriation, minimise TDS on India income, and ensure FEMA compliance — with a clear roadmap for every income source you hold in India.
NRI PIS & India Investments
Invest in Indian equities, mutual funds, and fixed income through the correct NRI channels — PIS account setup, RBI-compliant investment pathways, and a diversified India portfolio built around your goals and risk profile.
Repatriation Planning
Plan how, when, and how much to repatriate from India — from NRO accounts, property sales, investment exits, and rental income — while minimising TDS liability and staying within FEMA limits.
India Property & Rental Income
Advisory on NRI property ownership rules, rental income taxation, TDS compliance for tenants, capital gains on property sale, and whether to hold or monetise India real estate while living abroad.
Multi-Country Succession Planning
Ensure your India assets — bank accounts, investments, property — pass smoothly to the right people with the right tax treatment in both countries. Wills, nominations, and cross-border estate structuring.
Why NRIs Choose Cura Capital
What makes the difference when your financial life spans two countries.
Fee-Only & Conflict-Free
No commissions, no product incentives, no distributor licence. We earn only from you, so our guidance is always in your interest — not shaped by which product pays us more.
International Corporate Background
Our team of experts brings experience spanning leading Indian and global corporates — across India and international markets — giving Cura Capital a practical understanding of the financial world NRI professionals navigate daily.
FEMA & DTAA Compliant
Every recommendation we make for NRI clients is evaluated through the lens of FEMA, RBI regulations, and applicable DTAA provisions. Compliance is built in, not bolted on.
Remote-First, India-Based
We work entirely remotely — video calls, digital document review, and secure advisory sessions that fit around your time zone. India-based means we have the ground-level knowledge of local regulations that matters.
Long-Term Partnership
NRI financial planning is not a one-time exercise. Your status, assets, and goals evolve — and so should your plan. Cura Capital is structured for ongoing advisory relationships, not transactional engagements.
Ready to bring clarity to your India finances?
Book a free NRI discovery call — we’ll map your India financial picture and identify the highest-impact areas to address first.
Schedule a Free NRI Advisory CallInvestments are subject to market risks. Please read all scheme-related documents carefully before investing.
Frequently Asked Questions
What is DTAA and how does it benefit NRIs?
A tax treaty that prevents NRIs from paying tax on the same income in both India and their country of residence.
DTAA (Double Taxation Avoidance Agreement) is a treaty between India and various countries — US, UK, UAE, Canada, Singapore, and more — that ensures NRIs are not taxed twice on the same income. With proper DTAA planning, you can claim tax relief in your country of residence for taxes already paid in India, significantly reducing your overall tax burden. The exact benefit depends on your income type (salary, rental, dividends, capital gains) and the specific treaty between India and your country.
What is the difference between NRE and NRO accounts?
NRE accounts hold foreign earnings (fully repatriable, tax-free in India); NRO accounts hold India-sourced income (taxable, limited repatriation).
An NRE (Non-Resident External) account holds foreign earnings converted to INR. Both principal and interest are fully repatriable and completely tax-free in India — making it ideal for parking your overseas salary or transferring funds to India.
An NRO (Non-Resident Ordinary) account holds India-sourced income — rent, dividends, pension, or interest from existing India investments. NRO funds are subject to TDS at 30% and repatriation is capped at USD 1 million per financial year, with CA certification required. The right mix between NRE and NRO depends on your income sources and repatriation goals.
Do NRIs need a PIS account to invest in Indian stocks?
Yes — NRIs investing in Indian listed equities through the secondary market need an RBI-designated PIS bank account.
Yes. NRIs wishing to invest in Indian listed equities through the secondary market (NSE/BSE) must operate through a Portfolio Investment Scheme (PIS) account — an RBI-designated bank account that tracks all NRI equity transactions and ensures compliance with sectoral investment limits. This is separate from mutual fund investments, which do not require a PIS account. Cura Capital guides NRIs through PIS setup, account linking, and building an India equity portfolio that fits their risk profile and tax situation.
Can an NRI repatriate money from India?
Yes — NRE funds are freely repatriable; NRO repatriation is capped at USD 1 million per year with applicable taxes paid.
Yes, NRIs can repatriate funds from India subject to FEMA guidelines. Money in NRE accounts is freely repatriable with no limits. For NRO accounts, up to USD 1 million per financial year can be repatriated after all applicable taxes are paid and a CA certificate (Form 15CA/15CB) is obtained. Property sale proceeds, investment exits, and rental income have specific rules governing how and when they can be repatriated. Cura Capital helps you plan repatriation events in the most tax-efficient manner and ensures all documentation is in order.
Does Cura Capital earn commissions on NRI financial products?
No — we hold no distributor licence and earn zero commissions from any product. Our only revenue is the fee you pay us directly.
No. Cura Capital operates as a fee-only financial education and guidance platform. We do not hold a mutual fund distributor (ARN) licence and do not earn commissions from any product we guide you on. Our revenue comes entirely from client fees — which means our guidance is completely conflict-free. We work with NRI clients across the US, UK, UAE, Canada, Singapore, and other geographies for India-side financial planning via remote video sessions.