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NRI portfolio advisory is a professional investment guidance service designed specifically for Non-Resident Indians. Unlike standard portfolio management, NRI advisory accounts take into account the unique regulatory, taxation, and cross-border compliance landscape that Indian expatriates navigate when investing in India.
Portfolio management for NRIs differs significantly from that of resident Indians. From NRE and NRO account structures to DTAA benefits, repatriation rules, and FEMA compliance, NRI investors face a distinct set of considerations that require specialised advisory expertise.
Navigate cross-border tax implications and currency conversion strategies for optimal returns.
Understand FEMA-compliant fund repatriation to move money between India and your country of residence.
Stay aligned with SEBI, FEMA, and RBI regulations that specifically govern NRI investments in India.
Receive expert guidance to make informed decisions rather than handing over control to a fund manager.
Managing investments from abroad presents unique challenges. Here is how professional NRI advisory addresses each one.
Our advisors decode the regulatory maze of FEMA, DTAA, and Indian tax laws so you can invest with confidence and full compliance.
We help you understand which account type suits each investment goal, ensuring optimal tax efficiency and repatriation flexibility.
With remote advisory across all major time zones, we ensure your India investments receive timely attention regardless of where you reside.
Many NRIs have scattered holdings in India from before emigrating. We consolidate and rationalise your portfolio for better oversight.
Receive structured reporting and periodic rebalancing recommendations to keep your India portfolio aligned with your evolving goals.
Most NRIs rely on friends or commission-driven agents for investment decisions. A fee-only advisor ensures unbiased, goal-aligned recommendations with no hidden incentives.
A comprehensive suite of advisory services to guide every aspect of your investment portfolio.
Our advisory services are designed for the diverse needs of Indian professionals and families residing across the globe.
Salaried professionals across industries who want disciplined, long-term India investment strategies aligned with their career growth.
IT professionals, healthcare workers, and consultants in the United States seeking FEMA-compliant and tax-efficient India portfolio advisory.
Indian professionals and families in the United Kingdom and European Union looking to grow their India wealth with expert guidance.
Entrepreneurs and business founders who need strategic advisory to manage their India investments alongside global business commitments.
Individuals planning to return to India or retire there, requiring a smooth portfolio transition and retirement corpus strategy.
Families managing inherited property or investments in India, and second-generation Indians looking to build a structured India portfolio from scratch.
A structured, transparent process designed to bring clarity and discipline to your India investment journey.
We begin by understanding your NRI status, country of residence, and applicable regulatory framework to build a compliant investment foundation.
Define your India wealth goals, whether it is capital growth, retirement corpus, real estate, or repatriation planning, with clear timelines.
Based on your goals and residency, we recommend the optimal account structure and investment strategy across NRE and NRO channels.
We construct a diversified India portfolio with research-backed recommendations, while you retain control over execution through your own accounts.
Receive periodic portfolio reviews, rebalancing recommendations, and transparent performance reports accessible from anywhere in the world.
Understanding the difference between NRE and NRO accounts is critical for NRI investors. Choosing the wrong account structure can lead to tax inefficiency, compliance issues, and repatriation limitations.
Repatriability
Fully repatriable (principal + interest)
Limited repatriability (up to USD 1M per financial year with conditions)
Tax Treatment in India
Interest income is tax-exempt in India
Interest income is taxable in India (TDS applicable)
Source of Funds
Foreign earnings / income earned outside India
Indian income (rent, dividends, pension) or foreign income
Eligible Investments
Equities, mutual funds, bonds, fixed deposits
Equities, mutual funds, real estate income, fixed deposits
Best Use Case
Long-term India investments with full repatriation flexibility
Managing India-sourced income and local expenses
| Feature | NRE Account | NRO Account |
|---|---|---|
| Repatriability | Fully repatriable (principal + interest) | Limited repatriability (up to USD 1M per financial year with conditions) |
| Tax Treatment in India | Interest income is tax-exempt in India | Interest income is taxable in India (TDS applicable) |
| Source of Funds | Foreign earnings / income earned outside India | Indian income (rent, dividends, pension) or foreign income |
| Eligible Investments | Equities, mutual funds, bonds, fixed deposits | Equities, mutual funds, real estate income, fixed deposits |
| Best Use Case | Long-term India investments with full repatriation flexibility | Managing India-sourced income and local expenses |
Understanding the difference between advisory-led portfolio management and discretionary PMS helps you choose the model that best fits your investment philosophy.
Investment Approach
Advisory-led (you execute based on recommendations)
Discretionary (fund manager executes on your behalf)
Control
Client retains full control over portfolio decisions
Fund manager controls buy/sell decisions
Capital Requirement
Accessible with lower minimums
Typically requires higher capital commitment
Transparency
Full visibility into every recommendation and rationale
Limited visibility into individual trade decisions
Customisation
Highly personalised to individual goals and risk profile
Generally follows a defined strategy with limited customisation
Fee Structure
Transparent, fee-only advisory model
Management fee plus performance-linked fees
| Feature | NRI Portfolio Advisory | NRI PMS Services |
|---|---|---|
| Investment Approach | Advisory-led (you execute based on recommendations) | Discretionary (fund manager executes on your behalf) |
| Control | Client retains full control over portfolio decisions | Fund manager controls buy/sell decisions |
| Capital Requirement | Accessible with lower minimums | Typically requires higher capital commitment |
| Transparency | Full visibility into every recommendation and rationale | Limited visibility into individual trade decisions |
| Customisation | Highly personalised to individual goals and risk profile | Generally follows a defined strategy with limited customisation |
| Fee Structure | Transparent, fee-only advisory model | Management fee plus performance-linked fees |
Choosing the right advisory partner is critical for NRIs. Here is what sets Hubridge apart.
Our advisory framework operates within SEBI guidelines, providing you with regulated, trustworthy investment guidance.
We work with NRIs across the USA, UK, EU, GCC, and APAC, understanding the nuances of each regulatory environment.
Our expertise is rooted in Indian markets, with deep knowledge of equities, mutual funds, and fixed income instruments.
We follow a fee-only advisory model with complete transparency. No hidden commissions, no product-driven selling.
We focus on disciplined, research-driven investing for long-term wealth creation rather than short-term speculative trades.
Get responsive, timezone-friendly support with regular portfolio reviews via video calls, email updates, and a dedicated relationship manager.
We believe in complete transparency when it comes to how our advisory fees are structured and what you can expect from the engagement.
Our fees are structured transparently with a clear engagement model. You know exactly what you pay for, with no surprise charges or hidden costs throughout the advisory relationship.
As a fee-only advisory firm, we do not earn commissions from product manufacturers or mutual fund houses. Our recommendations are driven solely by what is in your best interest.
Unlike commission-based distributors, our advisory is unbiased. We recommend investments based on research, suitability, and your financial goals, not on commission incentives.
Our engagement includes regular portfolio reviews, quarterly reporting, and on-demand advisory sessions to address time-sensitive investment decisions or life changes.
SEBI-registered investment advisors are bound by a fiduciary duty to act in your best interest. This regulatory oversight means your advisor follows strict guidelines on fee transparency, disclosure, and suitability of advice, providing you with a layer of protection that unregistered advisors cannot offer.
NRI investments in India are governed by the Foreign Exchange Management Act (FEMA) and RBI regulations. From account structures to repatriation limits, every investment decision must align with these frameworks. Our advisory incorporates compliance checks at every stage to safeguard your interests.
NRIs face dual regulatory obligations, both in India and their country of residence. Non-compliance can result in penalties, frozen accounts, or tax complications. Working with a compliance-aware advisor ensures your India portfolio remains fully aligned with all applicable regulations.
Whether you are planning to return to India after years abroad or building a retirement corpus for eventual relocation, our advisory covers every aspect of NRI retirement planning.
From estimating your ideal retirement corpus to structuring tax-efficient income streams, we ensure your transition to Indian retirement is smooth and financially secure.
We help you build a target retirement corpus factoring in Indian cost of living, healthcare expenses, inflation, and lifestyle expectations for a comfortable retirement in India.
As you approach retirement or plan your return to India, we guide the gradual transition of your portfolio from growth-oriented to income-generating instruments suited for the Indian market.
Strategic planning for moving funds from abroad to India, optimising for tax efficiency, currency timing, and FEMA compliance to maximise your retirement income.
Build sustained exposure to Indian equities, debt instruments, and alternative assets that provide both capital appreciation and regular income for your retirement years.
Answers to the most common questions NRIs have about portfolio advisory services in India.
