Established Dwarka, 2013
Money that crosses a border needs someone watching both sides.
We move currency, remit it, repatriate it and invest what remains — for Non-Resident Indians, exporters, and professionals who are paid in one country and taxed in another.
Foreign exchange at live rates. Form 145 and 146 filed under UDIN. NRO to NRE repatriation within the USD 1 million facility. Mutual fund planning, family office structuring, and the registration, tax and compliance work that sits underneath all of it.
Want a firm rate on today’s board?
Leave a number and a currency. Someone from the desk calls back within the hour during working hours, with a rate you can actually transact on.
Mon–Sat, 10 AM to 7 PM IST. Used only to return your call.
Three things we are known for, and everything they require.
Most firms do one of these. Doing all three under one roof is what makes a cross-border transaction finish cleanly instead of stalling at a bank counter.
Currency & remittance
Buying and selling foreign exchange, sending money out under the Liberalised Remittance Scheme, and the certification a bank asks for before it releases anything.
Repatriation & NRI
Getting money out of India when you no longer live here — property proceeds, inheritance, rent, or an NRO balance that has quietly accumulated for years.
Wealth & business
What happens to the money once it has landed — invested with a horizon, structured for the next generation, or put to work inside a company.
What the regulators said this week.
Pulled directly from the RBI, SEBI and government feeds as they publish. No commentary, no delay — read the headline here or follow it to the source.
Work out the number before you commit to it.
Four calculations we are asked for most often. Free, instant, nothing to sign up for.
SIP returns
Project what a monthly investment could grow into, with an optional annual step-up.
Loan EMI
Monthly instalment, total interest and total outgo across the life of the loan.
TCS on outward remittance
Estimate tax collected at source under LRS. TCS is creditable against your tax liability when you file.
Currency converter
Using our indicative selling rate. Call for a firm quote before you transact.
Written by the people who file the forms.
Not aggregated news. Notes from our own desk on the rules we work with daily.
Form 145 and 146: what actually changed on 1 April 2026
Form 15CA and 15CB are gone. Section 393 replaced 195, Section 395 replaced 197, and UDIN is now mandatory on the certificate. A great deal of guidance online still has not caught up.
The LRS limit does not apply to you
The USD 250,000 cap governs residents. NRIs use a separate USD 1 million facility, and LRS TCS does not attach to it.
Insights — tax, forex and wealth notes
Longer pieces on rulings, amendments and the practical questions clients bring us.
Who sits across the table.
Different problems, one common feature: money, tax or a business that does not stay inside one jurisdiction.
NRIs & OCIs
Repatriation, property sale, DTAA relief and Indian filing, from thirty-five countries.
HNIs & families
Multi-asset strategy, succession, trusts and discreet relationship management.
Exporters & importers
Advance payments, EEFC accounts, supplier remittance and the certification each needs.
Paid in foreign currency
Consultants, doctors, engineers and creators invoicing abroad from an Indian base.
Corporate professionals
ESOP and RSU taxation, gains on foreign stock, dual-country compliance.
Founders & startups
Incorporation, DPIIT recognition, 80-IAC, valuation and fund-raise structuring.
MSMEs
Udyam registration, GST, ROC, working capital and government tender onboarding.
Bureaucrats & officers
Discreet personal advisory, IPR compliance and post-retirement structuring.
Questions we are asked most often.
Yes. We handle foreign currency notes, forex travel cards, outward remittance under the Liberalised Remittance Scheme, student remittance and business forex through our RBI-authorised partner, a Full Fledged Money Changer. Rates shown here are indicative and refresh daily; the firm rate is confirmed at the time of transaction. We serve Dwarka, Janakpuri, Uttam Nagar, Palam, Najafgarh, Gurgaon and Delhi NCR generally. See today's rates.
Up to USD 1 million per financial year from NRO balances — covering property sale proceeds, rent, dividends, interest and inherited funds. NRE and FCNR balances are freely repatriable and sit outside that limit. The USD 250,000 Liberalised Remittance Scheme cap applies to resident individuals, not to NRIs, which is a distinction a good deal of online guidance gets wrong. Full guide.
They replaced Form 15CA and Form 15CB from 1 April 2026 under the Income-tax Act 2025, notified under Section 397(3)(d) and Rule 220. Form 145 is the declaration filed before a remittance to a non-resident; Form 146 is the Chartered Accountant certificate, now carrying a mandatory UDIN. Section 393 replaced Section 195 for TDS on payments to non-residents. Read the detail.
T3 and T4, Manish Twin Plaza, Plot No. 3, Sector 4, Dwarka, New Delhi 110078. We serve clients across Delhi NCR and NRIs in more than thirty-five countries, and most engagements run entirely remotely — documents shared digitally, certificates issued electronically.
Yes. Fifteen minutes with the right founder, by phone, WhatsApp, video call or at our Dwarka office. No obligation and nothing to pay. Book a time.
Forex, remittance and wealth management from Dwarka
Wealth4India is a financial services practice in Sector 4, Dwarka, serving clients across Delhi NCR and Non-Resident Indians in more than thirty-five countries. Our work centres on money that crosses borders, and on the planning and compliance that sit around it.
Foreign exchange and outward remittance
Through our RBI-authorised partner we handle foreign currency notes, forex travel cards, student remittance, business forex and outward remittance under the Liberalised Remittance Scheme — up to USD 250,000 per financial year for resident individuals.
Rates on our forex page refresh daily from central bank reference data, and the TCS estimator above tells you what to expect before you commit. Where certification is required, Form 145 and Form 146 are filed and issued in house under UDIN.
NRI fund repatriation
Non-Resident Indians use a different facility from residents: up to USD 1 million per financial year from NRO balances, whatever the source — a property sale, inherited assets, rent, dividends, or years of quietly accumulated interest.
Our repatriation service covers the whole chain: Section 395 lower deduction certificates obtained before a property sale rather than after, DTAA relief with Tax Residency Certificate and Form 10F, Form 146 under UDIN, and the bank documentation. Entirely remote, in whatever timezone you are in.
Wealth, investment and family office
On the wealth side we handle mutual fund SIP and lumpsum planning through an AMFI-registered mutual fund professional, goal-based portfolio construction and periodic review.
Family office structuring follows where succession, trusts and inter-generational transfer need deliberate design, with loan advisory and insurance planning alongside.
Business registration and compliance
For founders and MSMEs: company and LLP incorporation, Startup India DPIIT recognition and MSME Udyam registration, trademark filing, GeM onboarding, digital signatures and ROC compliance.
The tax practice underpins all of it — ITR filing, GST, TDS, NRI taxation, notice representation and valuation.
Where we work
The office is in Dwarka and much of our client base sits within twenty kilometres — Dwarka, Janakpuri, Uttam Nagar, Palam, Najafgarh, Gurgaon and west Delhi.
The rest is global: NRIs and OCIs in the United States, United Kingdom, United Arab Emirates, Singapore, Canada and Australia among thirty other countries, alongside exporters, importers, consultants and salaried professionals paid in foreign currency who need someone who understands both sides of the transaction.
Shall we talk it through?
Fifteen minutes with the right founder. Tell us what you are trying to move, invest or file, and we will tell you which route applies, what it costs and how long it takes. No charge, no obligation.
Mon–Sat, 10 AM to 7 PM IST. NRIs — tell us your timezone and we will call in your working hours.