Investments split across borders
Mutual funds bought before you left, a demat account nobody rebalances, foreign brokerage holdings your Indian advisor has never seen. The X-ray reads it as one portfolio, because that is what it is.
NRI advisory
A financial advisor for NRIs, on both sides of the ocean.
You earn in dollars or pounds. You own in rupees. Your parents forward you fund suggestions on WhatsApp. Nobody on either continent sees the whole picture. That is the exact problem this practice exists to solve.
Remote-first. Calls scheduled around your timezone, not ours.
The NRI coordination problem.
Every NRI portfolio we open has the same shape: assets accumulated across two countries, advice accumulated from neither.
NRE, NRO and the account maze
Which account should each investment flow through, what is repatriable, and what FEMA actually permits. We structure the routes once, correctly, so every later decision is simple.
Tax in two countries
Indian capital gains, DTAA relief, FATCA reporting for US residents, NRE interest that is tax-free in India but may not be where you live. Cross-border tax is where NRI portfolios leak the most, and where product-by-product advice fails completely.
Property and family in India
Rental income into an NRO account, a parent's medical cover, a home loan that made sense in 2019. All of it belongs inside one plan with one owner, instead of a WhatsApp thread.
How it works from 8,000 km away.
1
The same free X-ray
Share a consolidated statement of your Indian holdings, plus a summary of what you hold abroad. We run the same free portfolio review every Oliv engagement starts with.
2
A cross-border plan
One goal-based plan spanning both countries: what stays, what consolidates, which account each rupee and dollar flows through, and the tax consequence of every move, stated before it happens.
3
One dashboard, any timezone
Everything you own, in one number, on the Oliv platform. Reviews happen on video, on your evening, not ours.
The questions NRIs actually ask.
Can NRIs invest in Indian mutual funds?
Yes, through NRE or NRO accounts under FEMA rules. A minority of fund houses restrict US and Canada residents because of FATCA compliance, which narrows the menu but doesn't close it. Part of the plan is choosing routes that stay open to you.
Do I need to be in India for any of this?
No. The X-ray, the plan and the ongoing reviews all run remotely. Where a signature or KYC step genuinely requires Indian presence, we schedule it around your next visit and prepare everything in advance so it takes an afternoon, not a week.
How does tax work on my Indian investments?
Income earned in India, including capital gains, is taxable in India; the DTAA between India and your country of residence decides how it interacts with tax at home. NRE interest is tax-free in India, NRO interest is not. We plan both jurisdictions together, because optimising one side alone usually costs you on the other.
Is my money safe with you?
We never hold your money. Every investment stays in your name, in your own accounts and folios, with the fund house or custodian, exactly as it does for our resident members.
Start with the free X-ray.
Pick a slot in your own timezone. The calendar handles the conversion. Send your latest statement any time before the call and we will have read it before you join.