Get the right accounts
NRE or NRO? The choice decides taxation and how freely money moves out later.
NRE vs NRONRI Resource Hub
Everything for the global Indian investor.
Guides and calculators for NRIs, OCIs and PIOs — accounts, investing, repatriation and tax, organised the way you actually use them.
15
Country guides
9
Topic guides
3
Tax tools
90+
DTAA partners
Where do you live?
Jump straight to the guide written for your country of residence.
Pick a country to see how its treaty with India treats your mutual fund gains — or browse all guides below.
Start here
The NRI investing journey.
Five steps, in the order they actually happen — from opening the right account to bringing money home.
Paperwork that pays
A TRC and Form 10F unlock treaty rates. FATCA/CRS is the reporting you can't skip.
TRC & Form 10FFATCA / CRSChoose your vehicles
Mutual funds, PMS, AIF or GIFT City — what each allows for NRIs, and the minimums.
NRI / OCI / PIO investingPMS for NRIsAIF for NRIsGIFT CityDon't pay twice
How India taxes your gains, and how the DTAA with your country gives relief.
DTAA explainedNRI taxationBring it home
USD 1M scheme, current-income rules and the forms your bank will ask for.
Repatriation rulesCountry guides
Your country, your rules.
Each guide covers the treaty position, what you can invest in from there, and the paperwork — written for residents of that country.
UAE
Gulf · DTAA partner
No local income tax
Guide →
Saudi Arabia
Gulf · DTAA partner
No local income tax
Guide →
Qatar
Gulf · DTAA partner
No local income tax
Guide →
Kuwait
Gulf · DTAA partner
No local income tax
Guide →
Oman
Gulf · DTAA partner
No local income tax
Guide →
Bahrain
Gulf · DTAA partner
No local income tax
Guide →
Singapore
Asia-Pacific · DTAA partner
No local income tax
Guide →
Hong Kong
Asia-Pacific · DTAA partner
No local income tax
Guide →
Australia
Asia-Pacific · DTAA partner
DTAA credit relief
Guide →
Mauritius
Asia-Pacific · DTAA partner
DTAA credit relief
Guide →
United States
Americas · DTAA partner
DTAA credit relief
Guide →
Canada
Americas · DTAA partner
DTAA credit relief
Guide →
United Kingdom
Europe · DTAA partner
DTAA credit relief
Guide →
Germany
Europe · DTAA partner
DTAA credit relief
Guide →
Sweden
Europe · DTAA partner
DTAA credit relief
Guide →
No country matches — try another spelling.
Tools
Put a number on it.
The three calculators NRIs reach for most — capital gains on property and funds, and the regime comparison.
Property
Property Capital Gains
Estimate LTCG or STCG on a property sale, with the 12.5% vs 20%-with-indexation comparison NRIs face.
Open toolMutual fundsCapital Gains Tax
Tax on mutual fund and other capital gains, with post-tax value — before you redeem, not after.
Open toolIncomeIncome Tax Calculator
Old regime vs new — see which saves you more on your India-sourced income this year.
Open toolProperty
ESOP & RSU Tax
Estimate LTCG or STCG on a property sale.
Returning to India
Coming home? Plan the RNOR window.
The 2–3 year status that can make moving your money home far more tax-efficient.
When you return to India for good, you don't become a full resident overnight. For a transitional period you may qualify as RNOR — Resident but Not Ordinarily Resident — during which your foreign income generally stays outside India's tax net. It's a narrow, valuable window to reorganise foreign assets before full residency begins.
Confirm your status
You may be RNOR if you were non-resident for 9 of the last 10 years, or in India 729 days or less over the last 7. It usually lasts two to three years.
RNOR status checkerRNOR guideRedesignate your accounts
NRE and FCNR accounts must be converted once you return. An RFC account can hold foreign-currency funds through the RNOR period.
NRE vs NROUse the window
While RNOR, foreign income is generally outside India's tax net — a chance to reorganise overseas assets before full residency begins.
DTAA explained401(k) & IRA on returnPrepare for full residency
Once RNOR ends, worldwide income becomes taxable and foreign assets must be reported. Plan conversions and disclosures ahead of time.
Check your RNOR statusRepatriation rulesSchedule FA reportingEducational information only, not tax advice. RNOR status turns on day-count tests under Section 6 of the Income-tax Act that depend on your specific travel history; thresholds have been amended over time. Confirm your position with a qualified tax advisor.
Not sure where to start?
A 20-minute call with a Wealth North Team — your residency, your goals, and the exact paperwork you'll need. No obligation.