Build & Manage NRI Investments With Confidence.
In a Better Regulated Global Financial Environment
For NRIs, choosing the right channel—NRE vs NRO—to invest in India impacts not just returns, but also taxation, repatriation, and regulatory compliance. One misstep can result in blocked repatriations, TDS mismatches, or non-compliance notices.
At CA Lekshmi & Associates, we specialize in NRI-focused investment structuring, ensuring every rupee you invest is cleanly sourced, tax-optimized, and FEMA-compliant. Whether it’s property, FDs, equity, mutual funds, or business capital—we plan and document your route.
Avoid compliance risks, and keep your funds secure, tax-efficient, and globally accessible.
Our Structuring Services Include
Account Suitability Assessment – We evaluate whether your investment aligns better with NRE (repatriable) or NRO (non-repatriable) routes
Asset-Specific Structuring – Tailored plans for real estate, equity, debt, or hybrid instruments
Tax Optimization & DTAA Mapping – Apply relevant tax treaties and ensure correct TDS rates
Repatriation Readiness – Build documentation and fund tracking for seamless remittance
Regulatory Documentation Support – NRI declaration formats, Form 15CA/CB, and source verification
Includes strategic planning, tax briefing, RBI-ready documents, and bank liaison.
Why This Matters
Mismanaged structuring can lead to tax penalties or repatriation blocks. Properly set-up NRO/NRE investments provide peace of mind, clarity in tax liability, and ease of reporting to Indian and foreign authorities.
Client Impact
Stepwise. Transparent. Aligned with FEMA.
Asset & Income Mapping
Review source of income, asset type, and repatriation goals.Account Strategy (NRO vs NRE)
Recommend best-suited accounts based on asset/income type.Regulatory Assessment
Apply FEMA and RBI guidelines to align with legal routes.Structuring & Documentation
Draft investment routes, compliance steps, and required approvals.Post-setup Advisory
Provide reporting support and clarify tax implications annually.
Choose Right Investment Channel
Real Estate Buyers
Decide whether to route funds through NRE for repatriation or NRO for Indian earnings.
Fixed Income Investors
Get the best post-tax returns on FDs and debt funds with DTAA benefits.
Start-up Founders & Angel Investors
Route capital into Indian entities with clean FEMA compliance.
Retired NRIs
Invest passive income into growth assets and easily move returns abroad.
NRO/NRE Investment Structuring FAQs
Common questions about income tax, compliance, and litigation support in India.
What’s the difference between NRE and NRO accounts?
NRE is for foreign income and is repatriable; NRO is for income earned in India. Each has specific tax and compliance rules.
Can I repatriate investments made through my NRO account?
Yes, up to $1 million/year with proper certification (Form 15CA/CB). We handle the documentation for you.
Which account is better for real estate investments?
Depends on source of funds and repatriation goals. We analyze your specific case before advising.
Is income from NRE investments tax-free?
Interest on NRE FDs is tax-free in India if you qualify as NRI under tax law. But documentation is key.
