Keerthi’s FinFo NRI

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CS Keerthana Merame
🧶Founder : Dhee Consultancy, Dubai
📍One Stop Solution For NRIs
🎯NRI Finance I Tax I Investing
🎓ACS I CIMA(L3) I SCA, AMFI Regd OD276114
✍️ [email protected]

Are you actually an NRI, or just living abroad?NRI status isn’t about where you live, it’s about India’s residency test ...
08/09/2026

Are you actually an NRI, or just living abroad?

NRI status isn’t about where you live, it’s about India’s residency test under Section 6.

You’re a resident if you stay 182+ days in India, or 60+ days plus 365+ days across the prior four years. Indian citizens leaving for employment only face the 182-day test. Visitors get the same relaxation up to 182 days.

Even if you spend zero days in India, you can be a “deemed resident” if your Indian income exceeds ₹15 lakh and you’re not taxed as a resident anywhere else. Getting this wrong means misjudging what’s taxable in India.

Want clarity on your exact NRI status? Read the full breakdown, link in bio for contact.

07/09/2026

The world is moving toward a multipolar order over the next five years.

As an NRI, don’t concentrate your wealth in a single country or currency.

Diversify across multiple assets, multiple countries, and multiple currencies.

Which Investments can beat FD returns with capital preservation for NRIs?REITs and InvITs offer growth potential and ste...
06/09/2026

Which Investments can beat FD returns with capital preservation for NRIs?

REITs and InvITs offer growth potential and steady income while preserving capital — a diversified middle ground beyond fixed deposits, backed by regulated real estate cash flows.

Read the full breakdown and check the link in bio to start investing.

My little Krishna stole the show today 💛 ...
04/09/2026

My little Krishna stole the show today 💛
May Lord Krishna fill your life with peace, his wisdom guide your path, and his playful spirit keep you young at heart.

Happy Janmashtami!

What is the cost of acquisition for ancestral property with no purchase deed for NRI tax purposes? — here’s the actual a...
04/09/2026

What is the cost of acquisition for ancestral property with no purchase deed for NRI tax purposes? — here’s the actual answer.

If the original purchase deed is missing, does that mean your cost of acquisition is zero?

No.

For inherited property, the previous owner’s purchase cost carries over as your cost of acquisition, regardless of missing paperwork.

So what cost do you use when the property was bought decades ago?

The Income Tax Department allows the Fair Market Value as on 1 April 2001 to be used as the cost of acquisition instead of the actual purchase price. This is the recognized base year for capital gains on old property in India, no matter when it was actually bought.

But how do you prove that value without a purchase deed?

A registered valuer’s report as on 1 April 2001 can serve as valid proof of cost. Combined with inheritance proof and ownership documents, this forms the standard evidence accepted during tax assessment.
Is there anything else NRIs specifically need to watch for?

Yes — TDS. Buyers are required to deduct TDS on the sale, typically at a higher rate for NRIs than for resident sellers, often 20% or more of the sale value.

Can that rate be reduced?

Yes, by applying in advance for a Lower Deduction Certificate under Section 197 can lower the TDS rate and prevent delays in receiving sale proceeds.

📩 Need personalized guidance? Link in bio.

Section197 TDSonPropertySale

03/09/2026

What does India’s $127 Billion NRI deposit record mean for the Rupee?

India’s special FCNR deposit window just closed with a massive $127.22 billion in NRI inflows, pushing forex reserves past $729 billion and boosting the rupee to ₹94.48/USD.

If you are an NRI making financial decisions based on past currency trends, here is what is happening next:

1️⃣ Why isn’t the Rupee surging higher? Banks swapped these dollars directly with the RBI. To protect Indian exporters from sudden currency spikes, the RBI holds these reserves instead of dumping them into the open market. This ensures controlled, gradual movement.

2️⃣ How does this protect the Rupee? With $729B+ in reserves and FCNR deposits locked in for 3–5 years, India now has a strong shield against global oil shocks, rising US interest rates, and bond market volatility.

3️⃣ What is the USD/INR forecast for NRIs?
* Near-term depreciation: Expect only 3% to 4% per year (down from the historical 7% drop seen in previous years).
* 2–3 year range: The rupee is projected to hover between ₹92 and ₹97 / USD before gradually moving toward ₹100 long-term. If you planned your investment or remittance strategies around a 7% annual rupee fall, it is time to for you to recalculate.

Massive Response! India receives $127+ Billion in inflows through FCNR Deposits from NRIs.Comment “NRI” to read the deta...
02/09/2026

Massive Response!

India receives $127+ Billion in inflows through FCNR Deposits from NRIs.

Comment “NRI” to read the detailed report.

02/09/2026

Are you moving back to India with an FCNR USD deposit? Here is what actually happens to your foreign currency savings when your NRI status changes.

If you hold a 5-year Foreign Currency Non-Resident (FCNR) deposit, you do not need to break it early when returning to India—which saves you from rate resets and early withdrawal penalties.

What happens to your FCNR deposit when you move back?
* Keep It Until Maturity: Under FEMA guidelines, returning NRIs who become Indian residents are legally permitted to hold their existing FCNR deposits in USD until the original maturity date.
* Post-Maturity Options: Once your deposit matures, you can either transfer the funds into a Resident Foreign Currency (RFC) account to keep holding USD, or convert the funds into a standard resident rupee deposit.
* Tax Status: Interest earned remains completely tax-free while you maintain Resident Not Ordinarily Resident (RNOR) status. Once you transition to Resident Ordinarily Resident (ROR), interest earned across FCNR, RFC, or resident accounts becomes taxable as “Income from Other Sources.”

Save this post for your return plan, and share it with an NRI who needs to protect their USD savings!

If you are planning the UAE trip, this is the right time.Indians can get visa free entry !Here is what you need to know....
01/09/2026

If you are planning the UAE trip, this is the right time.

Indians can get visa free entry !

Here is what you need to know.

How to Keep NRI Retirement Funds in US Dollars?If you want to keep your hard-earned money in USD in India, protecting it...
30/08/2026

How to Keep NRI Retirement Funds in US Dollars?

If you want to keep your hard-earned money in USD in India, protecting it against rupee depreciation, now there is an easy way. Your money stays in dollars and grows in dollars — completely tax-free till you maintain NRI status.

Comment “NRI” to explore global investing in USD.

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