Blogs

"My father never made a Will. He had a flat in Mumbai, a plot in our hometown, a few fixed deposits, and some shares. He passed away last year. It has been twelve months and we still cannot agree on who gets what. My brother is in India. I am in Canada. It is tearing the family apart." This story is not rare. I hear versions of it more often than I would like. And every single time, the pain was preventable. Not the grief - that is unavoidable. But the legal confusion, the fa

"I have about forty lakhs sitting in my NRO account. It has been there for almost two years. I just never got around to doing anything with it. Is that okay?" This is more common than most NRIs realise. Money parked in an NRE or NRO account feels safe. It is in a bank. It is in India. It is accessible. And so it just... sits there. Month after month, sometimes year after year. What most NRIs do not realise is that doing nothing is itself a financial decision - and often not a

"I have been in the UK for eleven years. I want to start something back home. A small tech company, maybe a food brand. I have the capital. I just don't know where to begin - or what I'm walking into." That message came from a client in London. And honestly, it reflects a conversation I am having more and more often these days. After years of building careers abroad, a growing number of NRIs are looking back at India with serious business intent - not just nostalgia. And the

"I moved back to India in October. My CA said I am still an NRI for FEMA but a resident for income tax. How can both be true at the same time?" This is one of the most genuinely confusing aspects of NRI compliance in India - and it catches people off guard every single year. The confusion is completely understandable. Most people assume that "resident" or "NRI" is a single legal status that applies across the board. It is not. In India, two completely separate laws determine

"I bought Bitcoin in 2021 while living in Dubai. I sold it last year and transferred the profits to my Indian bank account. Do I owe tax in India?" This question is becoming more common by the day. Crypto does not respect borders. NRIs buy it on foreign exchanges, hold it in wallets across jurisdictions, and sometimes sell or transfer it in ways that touch India. And yet, many are genuinely unsure whether Indian tax law applies to them at all. The short answer: yes, in many s

"My father passed away last month. He owned a flat in Pune and a small piece of land in our village. I live in Canada. What do I do now?" This is one of the most emotionally difficult questions that lands in a CA's inbox. And honestly, it's also one of the most legally layered. For an NRI inheriting Indian property, the process touches at least three different legal frameworks at once - the Indian Succession Act, the Foreign Exchange Management Act (FEMA), and the Income Tax

Many NRIs enter the Indian stock market emotionally first and structurally later. It usually begins with old demat accounts, interest in Indian growth opportunities, IPO excitement, or advice from family and friends. Today, investing in Indian markets feels extremely simple through modern apps and digital platforms. However, when it comes to NRI share market investments in India, compliance is far more important than most people realize. For NRIs, investing is not just about