What is Wealth4India?
A financial services practice in Dwarka, New Delhi, working since 2013. Forex, investments, insurance, loans, business setup and compliance, handled under one roof for individuals, families and businesses.
Wealth, Mutual Fund, Forex, Valuation & Business Support Services in Delhi, IndiaEverything money touches, under one roof.
One experienced team plans it, handles it and keeps watching it, for families, professionals, NRIs and businesses.
- Since 2013
- 5,000+ clients
- 35 countries
What the regulators said this week
Pulled directly from the RBI, SEBI and government feeds as they publish. Read the headline here or follow it to the source.
Reserve Bank of IndiaLive
SEBILive
Startup & IndustryLive
Need a firm forex rate today?
For study abroad fees, overseas investment, travel or family support. Leave your number and the desk calls back within the hour during working hours with a rate you can transact on.
Opens WhatsApp with your details filled in. Mon to Sat, 10 AM to 7 PM IST.Today's forex desk
IndicativeRates (₹, you buy at)
Loading—
Limits that apply
LRS, residentUSD 250,000 / FY
NRI repatriationUSD 1 million / FY
TCS threshold₹10 lakh / FY
Indicative rates, confirmed at transaction through our RBI-authorised partner. Limits are statutory.
Tell us who you are. We'll show what we do for you.
Different lives need different money decisions. Pick the one closest to you to see the work we most often take on for people like you.
Doctors, advocates, consultants and salaried professionals
You earn well and have little time to manage it. We build a plan around your income and goals, keep your taxes efficient, protect your family with the right cover, and review it with you as your income grows.
Plan with us- Goal-based SIPs for children's education, a home and retirement, with an annual step-up
- Term life and family health cover sized to your income and loans
- ITR filing, capital gains, ESOP and RSU taxation, and the right tax regime
- Home loan, personal loan or loan against property through authorised DSAs and bankers
- A Wealth Score each year to see whether you are on track
HNIs, business families and senior executives
Wealth spread across funds, property, businesses and countries needs one view and a long horizon. We bring it together, structure it for the next generation and watch it with you.
Arrange a private meeting- Multi-asset mutual fund portfolios with periodic rebalancing
- Family office, trusts and succession planning
- Overseas investment and property purchase under LRS, with TCS planned in advance
- Loan against property for liquidity without selling assets
- Property, share and business valuation by an IBBI registered valuer
- Discreet relationship management with one point of contact
NRIs and OCIs, in any of 35 countries
Money left in India is easy to forget and hard to bring out. We handle repatriation, tax and investments end to end, entirely remotely, and call you in your own working hours.
Plan my repatriation- Property sale proceeds repatriation, with the lower deduction certificate obtained before the sale
- NRO to NRE transfers within the USD 1 million a year facility
- Form 145 and Form 146 issued under UDIN
- NRI income tax, DTAA relief with TRC and Form 10F
- Property valuation for capital gains and repatriation
- Mutual fund investing through NRE and NRO accounts
Parents sending children to study abroad
Tuition, living costs and a forex card, paid on time and at a fair rate. We plan the remittances across the year so you are not surprised by TCS, and arrange the education loan if you need one.
Talk to the forex desk- Tuition and living-cost remittance to the university or student account
- Forex travel card and currency for the first weeks
- TCS planned in advance: nil when the education is loan funded, 5% above ₹10 lakh when self funded
- Education loan through authorised DSAs and bankers
- A TCS estimate before every transfer
Retired persons, government employees and bureaucrats
A lifetime of savings now has to pay a monthly income and stay safe. We set up a regular income from your corpus, cover health costs, and handle the paperwork with complete discretion.
Discuss my retirement plan- SWP from mutual funds for a regular monthly income
- Senior citizen health insurance and top-up cover
- Lumpsum deployment of retirement benefits in stages
- Income tax filing and annual property return compliance
- Will, nomination and succession planning
MSMEs, startups and small and medium businesses
Register the business correctly, stay compliant every month and get the working capital you need. One team handles it, so a missed filing never holds up a loan or a tender.
Start or fix my business setup- Company or LLP incorporation, Udyam and DPIIT
- GST, TDS and ROC compliance on a calendar
- DSC, GeM, ISO and trademark for tenders and brand
- Business loans and working capital through authorised DSAs and bankers
- Share valuation for fund-raising, allotment and transfer
- Group health and key-person cover for the team
Exporters of goods and services, and freelancers paid from abroad
Foreign income brings its own paperwork: export registration, zero-rated GST, inward remittance proof and refunds. We keep it in order so your money arrives cleanly and your credits come back.
Set up my export compliance- IEC registration and GST LUT for exports without paying IGST
- Inward remittance records and EEFC account guidance
- GST refund claims on exports
- Supplier payments abroad with Form 145 and 146
- Investing surplus foreign income in India, planned for tax
13years in practice, since 2013
5,000+clients advised
35countries served
₹500 crassets under advice
What do we do?
We take on the money work that usually gets split across five offices: the forex quote, the remittance certificate, the SIP plan, the insurance cover, the loan, the company registration and the monthly filings. You deal with one team that knows your whole picture.
How do we do it?
We start with your data, not a product. Your Wealth Score shows where you stand, we agree a plan, then we execute and monitor it, with regular reviews so nothing drifts.
Eight areas of work, one team
Pick one to see what it covers, or call and we will point you to the right route.
Forex & foreign remittance
Send money abroad for study, overseas investment, travel, medical treatment or family support under the Liberalised Remittance Scheme, up to USD 250,000 a year. We quote the rate upfront, estimate the TCS before you send, and file Form 145 when the bank asks for it, with Form 146 certified under UDIN by a qualified practising Chartered Accountant.
Currency exchange live rates
Study abroad remittance
Overseas investment LRS
Forex travel card
Form 145 & 146 UDIN
TCS estimate
Get a firm rate
NRI services & repatriation
Bring money out of India after you have settled abroad: property sale proceeds, inheritance, rent and NRO balances, within the USD 1 million a year facility. We obtain the lower deduction certificate before a property sale, claim DTAA relief and complete the bank documentation, all remotely.
Property sale proceeds s.395 cert
NRO to NRE USD 1M / yr
Inherited assets
NRI tax & DTAA
FEMA advisory
See how repatriation works
Investment planning in mutual funds
Every investment starts from a future need: a child's education, a home, retirement income. We choose between SIP, lumpsum and SWP for each goal, build the portfolio through an AMFI-registered mutual fund professional and review it periodically, so it stays matched to the goal as markets and your life change.
Start a goal-based planInsurance & loans
Protection first, then borrowing at the right price. We size term life and health cover to your income, family and liabilities, and arrange personal loans, gold loans, home loans and loans against property through authorised DSAs and bankers, comparing lenders so the EMI fits the plan instead of breaking it.
Term life insurance
Health insurance
Personal loan
Gold loan
Loan against property
Home & business loan
Review my cover and loans
Business setup & registration in India
Start correctly from day one. Private limited company or LLP, Startup India DPIIT recognition, MSME Udyam, GST registration, IEC for exporters, trademark, digital signatures, GeM and ISO certification. For foreign companies and NRIs setting up in India, we handle the structure as well as the filings. Certificates are issued by qualified practising professionals in their field.
Register my businessBusiness statutory compliance
The filings that keep a business clean: GST returns, TDS, ROC annual returns, income tax returns and replies to notices. We run them on a compliance calendar with reminders, so penalties, blocked credits and frozen bank work never come as a surprise.
Put my compliance on a calendarIndependent valuation
Valuations are carried out by an IBBI Registered and Income Tax empanelled independent valuer, so the report holds up before the tax department, banks, investors and regulators. Share and business valuation for fund-raising, allotment, transfer, ESOPs and foreign investment pricing; property and asset valuation for capital gains, NRI property sale and bank loans; and net worth certificates for visas and study abroad.
Share & business valuation
Startup & ESOP valuation
FEMA & income-tax pricing
Property valuation capital gains
Valuation for bank loans
Net worth certificate
Get a valuation quote
Wealth Score, planning & monitoring
Planning only works if someone keeps checking. Your Wealth Score rates savings, emergency fund, debt, protection and investments out of 100, and becomes the baseline we review against every year, along with your portfolio, cover and loans.
Check my Wealth ScoreYour Wealth Score in two minutes
Seven numbers, five pillars, one score out of 100. Nothing is sent or stored: the calculation runs in your browser. For the full report with a plan, use the Wealth Score page.
Savings account, liquid funds, short FDs
Mutual funds, shares, PPF, EPF. Not your home.
Calculating
An educational indicator, not investment advice. Benchmarks used: 25% savings rate, 6 months' emergency fund, EMIs under 30% of income, life cover of 10 times annual income, health cover of ₹10 lakh, and long-term investments of about 1 times annual income at 30, 3 times at 40 and 5 times at 50.
Why one roof works better than five offices
When the people handling your forex, investments, insurance and taxes are the same team, decisions connect instead of colliding.
One point of contact
One person knows your income, family, investments, loans and business. You never explain yourself twice.
Closely monitored
Portfolios reviewed, cover checked, filings tracked and loans watched, long after the first meeting.
Decisions that connect
Your remittance is planned around TCS, your SIP around your EMI, your company around your tax. Nothing works against anything else.
The right professional for each job
Every piece of work is done by someone registered or qualified for it, from forex and mutual funds to valuation, loans and certification.
Remote or in person
Visit us in Dwarka, or do everything online. Clients in 35 countries work with us without ever coming in.
Costs stated upfront
Rates published daily and fees told before you commit. No surprises on the invoice.
Who does the work
- Forex
RBI-authorised partner, a Full Fledged Money Changer
- Mutual funds
AMFI-registered mutual fund professional
- Valuation
IBBI Registered & Income Tax empanelled independent valuer
- Loans
Authorised DSAs and bankers
- Certification
Qualified practising professionals in their field
Not sure where to start? Start with fifteen minutes.
Tell us what you are trying to send, invest, protect, borrow or register. We will tell you the route, the cost and the timeline. Free, with no obligation.
How one roof compares
Banks, agents and apps each do their part well. The difference is who handles everything around it, and who keeps watching afterwards.
| What you need | Wealth4India | Bank branch | Single-product agent | Investment app |
|---|---|---|---|---|
| Forex and foreign remittance | Yes, rate upfront | Yes | No | No |
| Form 146 CA certificate under UDIN | By a practising CA | Asks you to bring one | No | No |
| Goal-based SIP, SWP and lumpsum plan | Yes, reviewed | Product-led | Own products only | Do it yourself |
| Life and health cover sized to your plan | Yes | Sells policies | One insurer | No |
| Loans compared across lenders | Authorised DSAs & bankers | Own bank only | One lender | No |
| Valuation by an IBBI registered valuer | Yes, also Income Tax empanelled | For its own loans only | No | No |
| Business registration and compliance | Yes | No | No | No |
| One contact for all of it | Yes | Separate desks | No | No |
| Ongoing monitoring and annual review | Yes | Varies | Varies | Alerts only |
A general comparison for information. Individual banks, agents and apps differ in what they offer.
How it works
From a first call to a plan that is executed and then watched, in four steps.
Tell us where you stand
A free 15-minute call by phone, WhatsApp, video or at our Dwarka office. Your goals, income, family and what is worrying you.
See your score and plan
We measure your Wealth Score and show the route: which investments, cover, loans or filings, at what cost and by when.
We execute it for you
Remittances sent, investments placed, cover issued, loans arranged, companies registered and returns filed.
We keep watching
Portfolio and cover reviews, compliance reminders and a yearly Wealth Score, with documents in your client login.
Work out the number before you commit to it
Six calculations our clients ask for most. Free, instant and private: nothing you type leaves your browser.
SIP returns
What a monthly investment could grow into, with an optional yearly step-up. Illustrative only: mutual fund returns are not assured.
Projected value
₹0
SWP monthly income
How long a corpus lasts when you withdraw a fixed amount every month, for example after retirement. Illustrative only.
Balance after the period
₹0
Lumpsum growth
What a one-time investment could grow into over time. Illustrative only.
Projected value
₹0
Loan EMI
Monthly instalment, total interest and total repayment for a home loan, personal loan, gold loan or loan against property.
Monthly EMI
₹0
TCS on outward remittance
Estimate tax collected at source under LRS. TCS is not a final cost: it is credited against your income tax when you file.
Estimated TCS
₹0
Currency converter
Using our indicative selling rate. Ask the desk for a firm quote before you transact.
You pay approximately
—
Want the full picture instead of one number? Get your full Wealth Score report.
Written by the people who do the work
Not aggregated news. Notes from our own desk on the rules we work with every day.
Foreign remittance
Form 145 and 146: what changed on 1 April 2026
Form 15CA and 15CB are gone, Section 393 replaced 195, and UDIN is now mandatory on the certificate. Much online guidance has not caught up.
Updated September 2026 NRI repatriationThe LRS limit does not apply to NRIs
The USD 250,000 cap governs residents. NRIs use a separate USD 1 million facility, and LRS TCS does not attach to it.
Updated September 2026 From the blogInsights on tax, forex and wealth
Longer pieces on rulings, amendments and the practical questions clients bring us.
Updated weeklyQuestions we are asked most often
If your question is not here, ask us on WhatsApp. A real person replies during working hours.
What does Wealth4India do?
We handle forex and foreign remittance, NRI repatriation, mutual fund investment planning, life and health insurance planning, loan advisory, business registration and statutory compliance under one roof, from Dwarka, New Delhi, for clients in India and 35 countries. One team plans it, executes it and keeps monitoring it.
How much can I send abroad for my child's education?
A resident individual can remit up to USD 250,000 per financial year under the Liberalised Remittance Scheme, covering education, travel, maintenance, gifts and overseas investment. TCS applies above ₹10 lakh in a year: nil where the education is funded by a loan from a financial institution, and 5% above ₹10 lakh where it is self funded. Estimate your TCS.
How much can an NRI repatriate from India in a year?
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. The USD 250,000 LRS cap applies to resident individuals, not to NRIs. Full guide.
What are Form 145 and Form 146?
They replaced Form 15CA and Form 15CB from 1 April 2026 under the Income-tax Act 2025. Form 145 is the declaration filed before a remittance to a non-resident; Form 146 is the Chartered Accountant certificate, which now carries a mandatory UDIN. Read the detail.
Are the forex rates on this page final?
No. They are indicative and refresh from our rates feed. The firm rate is quoted by the desk and confirmed at the time of transaction through our RBI-authorised partner, a Full Fledged Money Changer.
What is the difference between SIP, SWP and lumpsum?
A SIP invests a fixed amount every month to build wealth gradually. A lumpsum invests a larger amount at once, often a bonus, sale proceeds or retirement benefits. A SWP withdraws a fixed amount every month from an existing investment, which many retirees use as a monthly income. We choose the mix for each goal. Mutual fund investments are subject to market risk.
What is the Wealth Score and how is it used?
It rates your finances out of 100 across savings, emergency fund, debt, protection and investments. It shows what to fix first and becomes the baseline we review against each year. Try the quick check or get the full report.
How much life and health cover do I need?
As a starting point, term life cover of around 10 times your annual income plus outstanding loans, and family health cover of at least ₹10 lakh in a metro city. The right figure depends on dependants, existing savings and goals, which we work out with you. Insurance planning.
Can NRIs invest in Indian mutual funds?
Yes, through NRE or NRO accounts, subject to KYC and each fund house's rules. Some fund houses restrict investors resident in the US and Canada, so scheme choice matters. We check this before recommending anything.
Can you register my company or startup?
Yes. Private limited company and LLP incorporation, Startup India DPIIT recognition, MSME Udyam, GST, trademark, GeM, digital signatures and ISO certification, followed by monthly and annual compliance. Company formation.
Do you help exporters of goods and services?
Yes. IEC registration, GST LUT for zero-rated exports, inward remittance documentation, EEFC account guidance, GST refunds and the bookkeeping and compliance around export income, for exporters of goods, IT and professional services, and freelancers paid from abroad.
Can you arrange a loan against property or a gold loan?
Yes. Loans are arranged through authorised DSAs and bankers. We compare lenders, explain the real cost including fees, and help you apply for loans against property, gold loans, personal loans, home loans and business loans. The lender makes the final credit decision. Loan advisory.
Who carries out valuations, and when do I need one?
Valuations are carried out by an IBBI Registered and Income Tax empanelled independent valuer. You typically need a registered valuer's report when issuing or transferring shares, raising funds, granting ESOPs, receiving foreign investment, computing capital gains on older property, repatriating NRI property sale proceeds, or when a bank, regulator or the tax department asks for one. Valuation services.
Who handles each service?
Forex is executed through our RBI-authorised partner, a Full Fledged Money Changer. Mutual funds are handled by an AMFI-registered mutual fund professional. Valuations are done by an IBBI Registered and Income Tax empanelled independent valuer. Loans are arranged through authorised DSAs and bankers. Certifications are issued by qualified practising professionals in their field.
Do I need to visit the office?
No. Most engagements run entirely remotely, with documents shared digitally and certificates issued electronically. If you prefer to meet, we are at T3 and T4, Manish Twin Plaza, Plot No. 3, Sector 4, Dwarka, New Delhi 110078, Monday to Saturday, 10 AM to 7 PM.
Is the first consultation free?
Yes. Fifteen minutes by phone, WhatsApp, video call or at our Dwarka office, with no obligation. Book a time.
Forex, wealth management and business services from Dwarka
Wealth4India is a financial services practice in Sector 4, Dwarka, New Delhi, founded in 2013. We bring together the money decisions that people usually handle with different advisers, and handle them under one roof with experienced, knowledgeable people who stay with you after the first transaction.
Who we work with
Most of our clients are individuals: HNIs, doctors, advocates, consultants, freelancers and salaried professionals, retired persons, government employees and officers, and NRIs. The rest are businesses: MSMEs, small and medium enterprises, startups, and exporters of goods and services. What they share is that their money touches more than one area at once, such as a remittance with a tax angle or an investment tied to a loan.
Forex and foreign remittance
Through our RBI-authorised partner we handle foreign currency, forex travel cards, study abroad remittance, overseas investment 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, and the TCS estimator on this page shows the tax collected before you send. Where a bank needs certification, Form 145 and Form 146 are filed and issued in house under UDIN.
NRI fund repatriation
Non-Resident Indians can repatriate up to USD 1 million per financial year from NRO balances: property sale proceeds, inherited assets, rent, dividends and accumulated interest. Our repatriation service covers the whole chain, including Section 395 lower deduction certificates obtained before a property sale, DTAA relief with a Tax Residency Certificate and Form 10F, Form 146 under UDIN and the bank documentation, entirely remotely and in your timezone.
Investment planning and wealth monitoring
We plan mutual fund investments through an AMFI-registered mutual fund professional, starting from each future need: SIPs to build towards education, a home or retirement, lumpsum deployment of bonuses and sale proceeds, and SWPs to create a monthly income after retirement. The Wealth Score measures savings, emergency fund, debt, protection and investments, and gives us a baseline to monitor against each year. Where succession and inter-generational transfer need deliberate design, we set up family office structures.
Insurance and loans
Protection comes before returns. We help you choose term life and health insurance sized to your income, dependants and loans. On the borrowing side, loans are arranged through authorised DSAs and bankers: our loan advisory compares lenders for personal loans, gold loans, home loans, business loans and loans against property, so the EMI fits your plan.
Independent valuation
Our valuation work is carried out by an IBBI Registered and Income Tax empanelled independent valuer. It covers share and business valuation for fund-raising, share allotment and transfer, ESOPs and foreign investment pricing; property and asset valuation for capital gains, NRI property sales and bank loans; and net worth certificates for visa and study abroad applications.
Business setup and statutory compliance
For founders, MSMEs and exporters: company and LLP incorporation, Startup India DPIIT recognition and MSME Udyam, trademark filing, GeM onboarding, digital signatures and ISO certification. After setup we run the compliance calendar: GST, TDS, ROC annual returns, income tax returns, notice replies and valuation. Certificates and attestations are issued by qualified practising professionals in their field.
Where we work
Our office is in Dwarka, and many clients are within 25 kilometres: Dwarka, Janakpuri, Uttam Nagar, Palam, Najafgarh, Rajouri Garden, Gurugram and west Delhi. The rest are across India and abroad, with NRIs and OCIs in the United States, United Kingdom, UAE, Singapore, Canada, Australia and around thirty other countries.
Shall we talk it through?
Fifteen minutes, free. Tell us what you want to send, invest, protect, borrow or register, and we will tell you the route, what it costs and how long it takes. NRIs: tell us your timezone and we will call in your working hours.