HNI Tax and Wealth Structuring Advisory
We advise high-net-worth individuals and families on the tax side of their wealth: how income and investments are taxed, how to report them correctly, and how to structure holdings and family transfers in a tax-efficient and compliant way.
We do not sell or recommend investment products. Our role is independent tax and compliance advice that works alongside your investment advisers, bankers and lawyers.
Who this is for
- Individuals with large equity, mutual fund or property portfolios
- Business owners whose personal and business finances are closely linked
- Residents with foreign assets, foreign income or overseas investments
- Families planning gifts, property transfers or succession
What hni advisory covers
- Capital gains: computing and planning tax on shares, mutual funds, unlisted shares, property and other assets, including available exemptions
- Portfolio taxation: reviewing broker and fund statements, intraday and F&O trading, and dividend income for correct tax treatment
- Foreign assets and income: reporting foreign bank accounts, shares, ESOPs and property in the income tax return, and claiming credit for foreign tax
- Gifts and family transfers: tax treatment of gifts from relatives and others, and transfers of property within the family
- HUF and family structures: forming and managing a Hindu Undivided Family and other structures where they genuinely fit
- Succession planning support: tax analysis of wills, trusts and family arrangements, working with your lawyer
How we work
- A confidential discussion of your income, assets and goals
- A review of past returns and current holdings
- A written note on issues found and options
- Implementation, filing and ongoing review as your situation changes
Frequently asked questions
Do I need to report foreign assets in my Indian tax return?
If you are a resident and ordinarily resident in India, you generally must report foreign assets such as overseas bank accounts, foreign shares, ESOPs and property in your return, even if they earn no income. Failing to report can lead to heavy penalties under the black money law.
Are gifts from family members taxable?
Gifts from relatives as defined in the income tax law, such as parents, siblings and spouse, are generally not taxable for the recipient. Gifts from non-relatives above a threshold can be taxable. Gifts should still be documented, and income later earned on gifted assets may be clubbed in some cases.
Do you give investment advice?
No. We advise on tax and compliance. For investment recommendations you should consult a SEBI-registered investment adviser; we are happy to work with them on the tax side.
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Talk to us
NRAM & Co. (ICAI Firm Registration No. 023031S) is a firm of Chartered Accountants based in Madhapur, Hyderabad. To discuss hni advisory, call +91 91771 74999 or +91 70971 43665, email info@nramco.com, or use the contact form. Office hours are Monday to Saturday, 9 AM to 7:30 PM. Answers to other common questions are on our FAQ page.
This page gives general information only and is not professional advice for any specific situation. Tax and regulatory rules change often; please consult us before acting on any of it.