Your money is spread across countries. You've never seen it in one view.

Coming home should feel like simplification. We help make sure it does.

Moving back is harder than moving away.

Moving abroad was one big decision. Moving back is dozens of small ones. Which accounts to close and which to keep. When your tax status changes, and what changes with it.

Most people make these calls in a hurry, somewhere between school admissions and shipping containers. A few of them are hard to undo.

Your move, in four stages

Stage 1

Before you fly

List every account you hold, in every country. Bank, brokerage, retirement and insurance.
Find out which ones you can keep open as an Indian resident. Retirement accounts often stay where they are.
If you're a US citizen or green card holder, pause before buying Indian mutual funds. US tax rules can treat them harshly. Many Indian fund houses also don't accept investors based in the US or Canada. Speak to a cross-border tax adviser first.

What we doWe start your Money Map before you land, so the picture is ready when you are.

Stage 2

Your first months back

Your NRE and NRO bank accounts need to become resident accounts. Your bank handles the paperwork.
Mutual funds you bought as an NRI need your status updated to resident.
Keep a year of settling-in money in India, somewhere you can reach quickly.

What we doWe update your existing mutual fund folios and set up your first bucket: money for the year ahead.

Stage 3

Your RNOR years

If you've lived abroad for many years, your first two or three years back are often "resident but not ordinarily resident" (RNOR). During this window, income earned abroad is generally not taxed in India.
It's the calmest time you'll get to decide what to bring home, what to keep abroad and when.
The exact rules depend on how many days you've spent in India over many years. Your CA should confirm your status every year.

What we doWe help you use these years well. Money you bring home goes into the right bucket, at a pace that suits you.

Stage 4

Settled

Once you're fully resident, India taxes your income from everywhere. Foreign assets need to be reported in your tax return every year.
Your Yearly Rhythm takes over. Quarterly check-ins and one deeper review a year.

What we doYour Money Map keeps every account in every country on one page. Your Handover File makes sure your family knows where it all is.

Who does what

A move like this touches several professionals. Here's who handles which piece.

Seeing everything you own on one page

Truffle Wealth

Choosing and investing in Indian mutual funds

Truffle Wealth

Updating your mutual fund folios to resident status

Truffle Wealth

Converting your NRE and NRO accounts

Your bank

Confirming your residency status each year

Your CA

Foreign income, tax credits and reporting foreign assets

Your CA

US tax on Indian investments, if you're a US citizen or green card holder

A cross-border tax adviser

Wills that cover assets in more than one country

A lawyer

We'll introduce you to CAs and lawyers we trust, and work alongside them.

Two questions we hear often

Can I start investing through you before I move back?

Usually, yes. NRIs can invest in Indian mutual funds through their NRE or NRO accounts once KYC is done. If you live in the US or Canada, your choice of fund houses is narrower, and the US tax side needs care.

Do I have to bring all my money back?

Usually not. Indian rules generally let you keep assets you built while living abroad. They do need to be reported once you're fully resident. Your CA will confirm what applies to you.

What returning NRIs tell us

I have accounts in three countries and a spreadsheet I stopped updating years ago.

Everyone tells me something different about what to do with my retirement account abroad.

We came back for my parents. Now I want their money and ours to make sense together.

I've moved back, but my bank accounts still think I live abroad.

I sold our house overseas. The money is sitting in a savings account until I know where it belongs.

Our children may study abroad. I don't know which country to save for them in.

Bring it all onto one page.

By video from anywhere or in Bengaluru. No fee, no pressure.

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