KA PORTFOLIO DOCTOR — NRI UPDATE

NRE Account (Best for Overseas Income)
* Fully repatriable (principal + interest)
* Interest is tax-free in India
* Ideal for long-term wealth creation
* Simple documentation, fewer restrictions

NRO Account (Best for Indian Income)
* Used for rent, dividends, pension, etc.
* Interest is taxable
* Repatriation allowed but with limits (USD 1M/year)
* Needs Form 15CA/15CB for outward remittance

Mutual Fund Taxation (Same for NRE & NRO)
* Equity LTCG (12+ months): ~12.5%
* Equity STCG: ~20%
* TDS applicable for NRIs
* Account type does NOT change MF tax rules

KA PORTFOLIO DOCTOR’s View
* Overseas income → NRE is the most efficient
* Indian income → NRO needed, but plan repatriation carefully
* Always choose funds based on strategy, not account type
* For global NRIs (UK, Europe, UAE, US):
NRE + disciplined SIP = best growth + easy flexibility

Quick Selection Guide
* Only foreign income →  NRE
* Indian income →  NRO
* Easy repatriation needed →  NRE
* Indian expenses/obligations →  NRO

Doctor’s Final Advice
Right account choice = better tax efficiency + smoother repatriation + higher long-term wealth.
Invest with clarity. Build with strategy.

If you want a personal NRI Investment Blueprint (2025-26), message anytime.

– KA PORTFOLIO DOCTOR