One of the most common questions I get in our WhatsApp groups is this:
“Mani, can you recommend a good CA or financial planner who understands NRI taxation?”
I hear you. And I completely understand the anxiety behind this question.
When you’re planning to move back, you’re dealing with cross-border taxes, DTAA claims, RNOR status planning, converting NRE/NRO accounts, repatriating funds, selling property – and the list goes on.
One wrong move with your finances can cost you lakhs. Literally.
Over the past 8 years, through our community of 20,000+ returning NRIs, we’ve collected real feedback on CAs, tax consultants, and financial planners who specialize in helping NRIs.
This isn’t a paid listing. No one has paid to be here.
These are professionals our community members have actually worked with and shared feedback about.
I’m sharing what I know. But please do your own due diligence before engaging anyone.
P.S – We also have a directory of NRI financial service providers here.
Why You Need an NRI-Specialist, Not Just Any CA
This is important. Let me explain why.
A regular CA in India may be excellent at filing taxes for resident Indians. But NRI taxation is a completely different beast.
Here’s what an NRI-specialist handles that a regular CA may not:
Determining your residential status (NRI vs. RNOR vs. Resident) and its tax impact
Filing returns under DTAA provisions to avoid double taxation
If your CA doesn’t understand these topics, you could end up paying way more tax than you need to. Or worse – face penalties for non-compliance.
I’ve seen this happen to members in our community. Don’t let it happen to you.
How We Compiled This List
A few things to keep in mind:
What this list IS: A compilation of NRI-focused financial professionals that community members have used and shared feedback on.
What this list is NOT: A ranked endorsement or a guarantee of service quality. People’s experiences may vary.
We’ve organized this by:
Pan-India / Online-First Firms – These work remotely with NRIs globally
City-Wise Listings – For those who prefer a local CA in their destination city
For each listing, I’ve included what they specialize in, how to reach them, and (where available) community feedback.
If you’ve used a CA or financial planner not listed here and had a good experience, please let us know in our WhatsApp community. We’ll verify and add them.
Pan-India / Online-First Firms
These firms work with NRIs remotely. Many of our community members prefer this since they can start working with a consultant even before moving back.
1. S. Lohia & Associates (NRI Tax Service)
Headed by: CA Sulabh Lohia
Location: Head office in New Delhi, with associate offices in Mumbai, Bangalore, Hyderabad, Chennai, Kolkata, Pune, Ahmedabad, and other cities
What the community says: Several members in our groups have worked with the Lohia team, particularly for property sales and fund repatriation. The feedback has generally been positive on responsiveness and knowledge of NRI-specific regulations.
“Lohia team was absolutely on target and on time. My services were executed precisely as promised. In past few years I have dealt with few CA firms in India. All claiming to know how NRI services work but failed to deliver. Lohia team delivered 100% result.” – Community member
Best for: Property sales, fund repatriation, NRI ITR filing
What the community says: Zenify focuses exclusively on NRI taxation, which is a good sign. They serve NRIs in the US, UK, UAE, Canada, Australia, and Singapore.
Multiple community members have mentioned clear communication and helpful guidance on residential status determination.
Best for:US-India tax filing, residential status advisory, first-time NRI tax filers
What the community says: This is one of the more established firms with over 25 years of experience.
They have offices across five countries. Several members have mentioned them for comprehensive returning-NRI advisory, especially for complex financial situations involving multiple countries.
Best for: Complex multi-country tax planning, starting a business in India, high-net-worth NRI advisory
What the community says: CA Ushma Jain has been specifically mentioned by community members for property-related transactions and repatriation.
Known for being responsive and patient with explaining processes.
“I had to repatriate funds after sale of inherited property. It was very difficult to find CAs who could give the right advice. After months of searching, Ushma Jain handled everything professionally. It felt like a big burden was lifted.” – Community member
Best for: Property sale repatriation, 15CA/15CB filing, NRIs who want a dedicated individual CA
5. KDP Accountants
Website: kdpaccountants.com
Specialization:
NRI tax filing (50+ years of experience)
FEMA consultancy
Company setup in India
Property management for NRIs
Transfer pricing
Business advisory
What the community says: KDP is one of the older firms in this space. They offer a wide range of services beyond just tax filing – including company setup, which is helpful if you’re planning to start a business after returning.
Best for: NRIs with business setup plans, comprehensive compliance needs
Location: Online-first, with in-person consultations available at their Kochi office
Specialization:
NRI income tax planning and filing
FEMA-related consulting
Secure digital platform for document exchange
Tax insights simplified for NRIs
What the community says: PravasiTax is relatively newer but has built a good reputation for making NRI tax compliance simple through their online platform.
Their team of CAs has over 25 years of combined experience. Good option for NRIs who prefer everything digital.
Best for: Tech-savvy NRIs who want a fully online experience, Kerala-based NRIs
Tax filing is one thing. But if you need help with overall financial planning for your return – investments, retirement, insurance, wealth management – you want a SEBI-registered investment adviser (RIA).
Why SEBI-registered?
Because they operate under a fiduciary duty.
They charge you a fee for advice rather than earning commissions from products they sell. This means their advice is aligned with YOUR interest, not the mutual fund company’s.
Here are some NRI-focused financial planners worth considering:
Balakrishna & Co. specifically offers guidance on transitioning from NRI to Resident status and RNOR benefits – which is critical in the first 2-3 years after your return.
If you’re moving to Bangalore, also check out our guide on the city.
Mumbai
Mumbai has several established CA firms with deep NRI expertise, especially around property and investment transactions.
If you’re considering Hyderabad, our community has several active members in the city who can share their personal CA recommendations. Join the WhatsApp group and ask directly.
Delhi NCR
Delhi NCR has some of the most experienced NRI-specialist CA firms, which makes sense given many of these firms started here.
Are they fee-only or commission-based? (Fee-only is generally better for unbiased advice)
Do they have experience with NRI-to-resident transitions?
Can they help with investment planning specific to your return timeline?
Do they understand cross-border retirement accounts?
Common Services You’ll Need and Approximate Costs
This is based on what community members have reported. Actual costs will vary.
Service
Typical Fee Range
NRI ITR Filing (Simple)
Rs 5,000 – Rs 15,000
NRI ITR Filing (Complex – multiple income sources)
Rs 15,000 – Rs 50,000
Form 15CA/15CB (Repatriation)
Rs 5,000 – Rs 15,000 per transaction
Lower TDS Certificate (Form 13)
Rs 10,000 – Rs 25,000
DTAA Advisory
Rs 10,000 – Rs 30,000
Comprehensive Return-to-India Tax Planning
Rs 25,000 – Rs 75,000+
SEBI RIA Financial Planning (Annual)
Rs 15,000 – Rs 75,000+ per year
These are ballpark figures. Always ask for a detailed fee quote before engaging.
A Few Warnings From the Community
Some things I’ve seen go wrong over the years:
1. Don’t go with the cheapest option.
A CA who charges Rs 3,000 for NRI ITR filing likely doesn’t understand the complexity involved. You’ll end up paying more later to fix mistakes.
2. Watch out for CAs who promise “zero tax.”
If it sounds too good to be true, it probably is. NRI taxation has genuine benefits (like RNOR status), but no one can ethically promise zero tax.
3. Get everything in writing.
Scope of work, timelines, fees – all of it. This has saved many community members from disputes later.
4. Don’t wait until March to start.
If you’re planning your return, start working with a tax consultant 6-12 months before your move. Planning ahead can save you significant money through proper tax-saving strategies.
5. Beware of “NRI services” that are actually just lead generation.
Some websites collect your details and pass them to random CAs. Always verify who you’re actually working with.
Help Us Grow This List
This is a living document. We want to make it the most comprehensive, community-verified list of NRI financial professionals in India.
If you’ve worked with a CA, tax consultant, or financial planner and had a genuinely good experience, please share the details in our community.
We especially need more verified recommendations for:
Hyderabad
Pune
Ahmedabad
Kolkata
Tier-2 cities
Your input will help thousands of returning NRIs find the right professional.
Frequently Asked Questions
Q: Do I need a CA in India AND in the US?
Yes, ideally. Your Indian CA handles Indian income tax compliance. Your US CPA handles your US tax returns (which you may still need to file if you’re a US citizen, green card holder, or had US-source income). Some firms can handle both, but verify their expertise on each side.
Q: When should I start working with a tax consultant?
At least 6 months before your planned return date. Tax planning works best when you have time to structure things properly – RNOR status, account conversions, investment restructuring, etc.
Q: Can my regular CA in India handle NRI taxation?
They can try, but NRI taxation is a specialization. The rules around residential status, DTAA, FEMA, foreign asset disclosure, and repatriation are complex. It’s like going to a general doctor for a heart issue – you want a specialist.
Q: How do I verify if a financial planner is SEBI-registered?
Visit the SEBI website and search their intermediary database. Every registered investment adviser has a unique registration number. If they can’t provide one – walk away.
Q: Can I work with these consultants remotely from abroad?
Yes. Almost all the firms listed here work with NRIs remotely through video calls, email, and secure document sharing. You don’t need to be in India to start.
Q: What about US-based CPAs who understand Indian taxation?
There are a few, but they’re rare and expensive. Most community members find it more practical (and affordable) to work with an India-based CA who understands US-India DTAA provisions, along with a US-based CPA for the American side.
Disclaimer: This list is for informational purposes only. BacktoIndia.com does not endorse, guarantee, or take responsibility for the services of any professional listed here. Always conduct your own research, verify credentials, ask for references, and ensure you’re comfortable before engaging any consultant. Tax and financial planning decisions have significant consequences – consider seeking multiple opinions for complex situations.
If you’re planning your move back, join our WhatsApp community at /groups – 20,000+ NRIs helping each other with real, lived experience. It’s free and volunteer-run.
Written by
Mani Karthik
Founder, BackToIndia · Returnee since 2016
Mani Karthik is an entrepreneur who moved back to India in 2016 after nearly a decade living and working in the US and the Middle East. He started BackToIndia to help other NRIs navigate the move — banking, taxes, schooling, careers and the everyday reality of resettling in India.
Rules for NRI banking, tax and residency change often. We update guides when policy or our lived experience changes. Nothing here is legal, tax or investment advice — always confirm with a qualified professional in India.
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