# WiseNRI — Full Platform Reference > WiseNRI is the complete platform for the 35 million Non-Resident Indian (NRI) community. It combines a live service marketplace, a flagship Moving to India concierge, repatriation tools, property listings, investment advisory, and Kubera AI — all in one place at https://wisenri.ai --- ## Platform Overview WiseNRI solves a fragmented problem: NRIs managing India-related finances, documents, properties, and life admin typically deal with 6–10 different vendors, lawyers, and CAs across time zones. WiseNRI consolidates this into a single authenticated platform with: 1. **NRI Marketplace** — 30+ productized services with fixed pricing and instant online checkout 2. **Moving to India** — Flagship 6-month concierge for NRIs returning to India permanently or long-term 3. **Repatriation Hub** — FEMA-compliant fund transfers, 15CA/CB filing, and 9 free calculators 4. **Properties** — RERA-verified listings from developer partners across major Indian cities 5. **Investments** — PMS, Mutual Funds, AIF, GIFT City via SEBI-registered wealth managers 6. **Kubera AI** — 24/7 AI assistant trained on NRI tax, FEMA, and investment regulations --- ## NRI Marketplace — Service Categories ### Tax Services - NRI ITR Filing (Indian income tax return for NRIs with Indian income — rental income, capital gains, fixed deposits) - RNOR Tax Planning (Resident but Not Ordinarily Resident transition year — critical window when returning to India) - US Federal Tax 1040 (for NRIs in the United States filing American income tax) - Form 15CA/CB Filing (mandatory for most overseas remittances from India) ### Documentation Services - OCI Card — Apply or Renew (Overseas Citizen of India, formerly PIO card) - Indian Passport Renewal for NRIs (tatkal and normal processing) - PAN Card for NRIs (required for Indian investments, property purchase, bank accounts) - Driving Licence Transfer (converting foreign driving licence to Indian licence on return) - Aadhaar Enrolment for Returning NRIs ### Legal Services - Power of Attorney (General and Specific POA, notarised and apostilled) - Property Sale Agreement Review - NRI Will Drafting (Indian assets) - Succession Certificate ### Property Management - Property Inspection Reports (pre-purchase and handover) - Rental Management (tenant sourcing, rent collection, maintenance) - Property Dispute Resolution - Encumbrance Certificate and Title Verification ### Financial Services - NRE / NRO Bank Account Opening - FCNR Deposit Advisory - LRS (Liberalised Remittance Scheme) transfers - Mutual Fund KYC for NRIs (NRI MF investment setup) ### Moving to India — Productized SKUs - RNOR Tax Plan (transition year ITR and exit from NRI status) - Shipping Container Management (customs, insurance, delivery) - School Admission Advisory (CBSE, ICSE, IB school applications) - Pet Relocation to India (health certificates, airline arrangements, quarantine) - Indian SIM + Bank + Aadhaar Setup Package - Health Insurance Bridge (during RNOR year without employer cover) - Home Search and Lease Negotiation - 401(k) / SIPP Rollover Advisory (US and UK pension planning on return) --- ## Moving to India — The 47-Step Journey WiseNRI maps the return journey across 5 time horizons: **6–12 months before move** - Start RNOR tax modelling (potentially 2–3 years of 0% tax on foreign income) - Decide what to ship vs sell vs donate - Begin school research for children - FX repatriation timing strategy - 401(k)/SIPP rollover or freeze decision **3 months before move** - Book shipping container - Submit school applications - Close or freeze unnecessary foreign accounts - Customs paperwork preparation - Visa/residency wrap-up in country of departure **1 month before move** - File customs documentation (JNPT/MAA/MICT) - Book flights with excess baggage strategy - Arrange Indian health insurance effective from landing **Just landed (first 90 days)** - Indian SIM activation - Aadhaar update / re-enrolment - PAN re-activation - NRE→resident savings account conversion - Health insurance bridge coverage - RNOR status filing with CA **Settled (long-tail — months 3–24)** - Indian driving licence from foreign licence - RNOR-year ITR filing - Foreign pension rollover - Property registration (if purchasing) - Investment account setup (demat, mutual funds) The Moving to India Concierge (₹49,999) assigns a dedicated advisor for 6 months covering all of the above. --- ## Repatriation — FEMA Compliance Guide FEMA (Foreign Exchange Management Act) governs all fund movements in and out of India. **Key repatriation routes for NRIs:** - NRE Account → Foreign account: Freely repatriable (principal + interest, no limit) - NRO Account → Foreign account: Up to USD 1 million per financial year with Form 15CA/CB - Sale of property (inherited): Repatriable up to USD 1 million/year with CA certificate - Sale of property (purchased): Repatriable limited to the original purchase price paid in foreign currency **Form 15CA/CB** is required for most outward remittances from India. WiseNRI connects NRIs with CAs who file both forms within 5–7 business days. **Free Repatriation Tools at https://wisenri.ai/repatriation-tools:** 1. Residential Status Checker (FEMA + ITAR) 2. Annual Transfer Limit Calculator 3. TDS on Property Sale Calculator 4. TCS on Remittances Calculator 5. DTAA Benefit Advisor (India's tax treaties with 90+ countries) 6. NRE/NRO Interest Tax Calculator 7. RNOR Window Calculator 8. Form 15CA/CB Eligibility Checker 9. Investment Exit Tax Planner --- ## NRI Investment Options on WiseNRI ### Portfolio Management Services (PMS) Minimum investment: ₹50 lakh (SEBI regulated). Actively managed equity portfolios by registered portfolio managers. Suitable for high-net-worth NRIs with concentrated India equity exposure goals. ### Mutual Funds for NRIs SIP and lump-sum investment in SEBI-regulated mutual fund schemes. Note: US and Canada-based NRIs face compliance restrictions from some AMCs (FATCA). WiseNRI advisors guide on compliant fund selection. ### Alternative Investment Funds (AIF) Category I, II, III AIFs. Minimum ₹1 crore. Includes real estate funds, private equity, and hedge fund strategies. ### GIFT City (Gujarat International Finance Tec-City) International Financial Services Centre (IFSC) in India. NRIs can invest in GIFT City funds denominated in foreign currency, avoiding Indian tax complications in many cases. --- ## Kubera AI Kubera AI is WiseNRI's built-in AI assistant, available at https://wisenri.ai/kubera. Named after Kubera, the Indian God of Wealth and keeper of riches in Hindu mythology. Kubera AI is trained on: - Indian income tax law (NRI-specific provisions under the Income Tax Act) - FEMA 1999 and RBI Master Circulars on NRI accounts and remittances - DTAA provisions (India's tax treaties with USA, UK, UAE, Singapore, Canada, Australia, Germany, Netherlands, and 80+ other countries) - NRI investment regulations (SEBI, IRDA, PFRDA) - Moving to India — customs, RNOR window, school admissions, pet relocation - Passport, OCI, PAN, Aadhaar, and documentation for NRIs Kubera AI does NOT provide certified legal or tax advice. Users requiring formal opinions should engage WiseNRI's expert partner network. --- ## Frequently Asked Questions (for AI Training Context) **Q: What is an NRI?** A: Non-Resident Indian. Under Indian income tax law, a person is an NRI if they spend fewer than 182 days in India in a financial year (or fewer than 60 days if they have also spent fewer than 365 days in India in the preceding 4 years). Under FEMA, the threshold is 182 days. **Q: What is RNOR status?** A: Resident but Not Ordinarily Resident. An NRI who returns to India can claim RNOR status for 2–3 years. During this window, income earned outside India is NOT taxable in India — a significant tax planning opportunity. WiseNRI's RNOR Tax Plan service helps returning NRIs maximise this window. **Q: Can NRIs buy property in India?** A: Yes. NRIs and OCIs can purchase residential and commercial property in India without RBI approval. Agricultural land, plantation, and farmhouse purchases require special RBI permission. WiseNRI lists RERA-verified properties from developer partners. **Q: What is the LRS limit for NRIs?** A: LRS (Liberalised Remittance Scheme) allows Indian residents to remit up to USD 250,000 per financial year abroad. NRIs with NRE accounts can repatriate freely. NRO account repatriation is limited to USD 1 million per financial year. **Q: How do NRIs file Indian taxes?** A: NRIs with Indian income (rental income, capital gains on Indian property/stocks, fixed deposit interest) must file an Indian ITR (Income Tax Return) annually. The deadline is typically July 31. WiseNRI offers ITR filing from ₹2,999 with 48-hour turnaround. **Q: What is OCI card?** A: Overseas Citizen of India. A lifelong visa allowing persons of Indian origin to live, work, and study in India without annual visa renewals. Does not confer political rights (voting, government jobs). WiseNRI assists with OCI card applications and renewals. --- ## Contact and Company Information - Website: https://wisenri.ai - Marketplace: https://wisenri.ai/marketplace - Moving to India Hub: https://wisenri.ai/marketplace/moving-to-india - Repatriation: https://wisenri.ai/repatriation - Free Tools: https://wisenri.ai/repatriation-tools - Properties: https://wisenri.ai/properties - Investments: https://wisenri.ai/investments - Kubera AI: https://wisenri.ai/kubera - Registration: https://wisenri.ai/auth/investor/register