Are You an officer from Indian Armed Living Outside India and Wondering How to Manage or Grow Your Wealth Smartly?
Whether you are:
- An NRI, OCI, or PIO looking to invest in India
- A parent, child, or spouse of a Defence Forces family member settled abroad
- A working professional seeking NRI investment options in USA or other global markets
- Or simply searching for ethical, affordable, and professional financial advice for yourself or your loved ones
At Hum Fauji Initiatives, we simplify your journey and stay abroad. Backed by our global investment vertical, One World Advisory Services (OWAS), you can manage both India and US investments with one professional platform.
What are our NRI Investment Advisory Services?
Our NRI Investments and Client Advisory Desk is a specialized vertical that is designed to support the financial planning, investing, taxation, and compliance needs of Indian Armed Forces families and NRIs living across the world.
We offer an integrated platform that helps you:
Access to Top Investment Plans for NRIs in India
Mutual Funds, Bonds, Real Estate, FDs, PMS & more
NRI investment options in USA
Through our One World Advisory Services (OWAS)
Stay
Tax-Compliant
With TDS, repatriation, and ITR filing assistance.
Get Personalized
Advice
With no hidden charges or conflicts of interest.
Global Investing Simplified: OWAS
(One World Advisory Services – A Part of NRI Client Advisory)
OWAS enables NRIs and global investors to build wealth in the world’s biggest markets—especially the US while sitting anywhere in the world.
Why US Markets?
We help you choose the best term plan based on your income, liabilities, and future financial goals.
Strong Returns – Diversified portfolios with proven performance since launch (July 2023): Our experts assess your needs to provide the most suitable coverage.
- Conservative: 20.99%
- Balanced: 25.29%
- Aggressive: 20.76%
Expert Advisory – Active monitoring and monthly updates
Flat, Transparent Fee – No commissions. No surprises.
Open to All Non-Residents – Wherever you’re stationed: US, UK, Canada, Europe, Middle East, Australia, Asia.
Note: OWAS is not available for anyone residing in India.
Our portfolios include ETFs, stocks, bonds, and even cryptocurrencies where appropriately managed and rebalanced by our experienced team with your long-term growth in mind.
Documentation & Process:
We help you open NRE/NRO accounts, assist in PAN/KYC, and guide on investment selection, taxation, and repatriation. Everything is done digitally, without any need of you visiting India.
Basic Documents Required:
- Passport and Visa
- PAN Card
- Proof of NRI/OCI/PIO status
- Overseas address proof
- Cancelled cheque (NRE/NRO)
- Passport-sized photos
- Signed KYC Form
Note: Forms may be required in an offline mode.
Why Choose Hum Fauji Initiatives for Your NRI Advisory?
| Feature | Why It Matters |
|---|---|
| Specialized for Armed Forces Families | Deep understanding of Defence financial ecosystem |
| One Advisory Window | Manage India and US investments at one place. |
| Flat Fee Structure | No asset-based commissions or sales pressure |
| Ethical & Transparent | 100% unbiased advice with zero conflicts |
| Dedicated NRI Desk | Personal relationship managers, real-time support |
| Seamless Execution | We handle everything PAN, KYC, documentation, tax filings etc. |
FAQs – You Ask, We Answer
Yes, with a PAN and NRE/NRO account, you can invest across all instruments.
Yes, selectively, based on portfolio strategy and your risk appetite.
Yes—NRO with residents; NRE/FCNR with other NRIs.
No. Everything can be done remotely with notarised documents.
No. It is exempt and not subject to TDS.
Yes—from NRE/FCNR accounts and up to $1 million/year from NRO accounts.
Taxation FY 2025–26 (Summary)
| Income Type | TDS Rate | Taxable in India? |
| NRE / FCNR Interest | ❌ Exempt | ❌ No |
| NRO Interest | 30% + Cess | ✅ Yes |
| Rental Income | 30% + Cess | ✅ Yes |
| Equity LTCG | 12.5% above ₹1.25L | ✅ Yes |
| Equity STCG | 20% post-STT | ✅ Yes |
We guide you on Form 16A, DTAA benefits, and tax-saving strategies specific to your income type.
Absolutely. As part of your NRI advisory journey with HFI, you can also invest seamlessly in India:
| Investment Type | Key Benefits |
| Mutual Funds (Equity/Debt) | Diversified, tax-efficient, and growth-oriented |
| Direct Equity via PIS | Invest in Indian stocks via NRE/NRO accounts |
| NRE/NRO/FCNR Deposits | Safe, repatriable, and tax-optimized |
| Real Estate (Non-Agri) | Long-term appreciation & rental yield |
| Government Bonds / G-Secs | Stable income with sovereign backing |
| NPS (Pension) | Retirement-focused investment with tax benefits |
| Company Deposits | Higher returns than banks (NRO only) |
| IPOs, ETFs, Debentures | Tactical market opportunities |
| Portfolio Management Services (PMS) | Customized, professionally managed portfolios |
The most popular investment avenues we offer for NRIs:
- Mutual Funds (via NRE/NRO)
- Direct Equity (via PIS route)
- NRE/NRO/FCNR Fixed Deposits
- Real Estate (except agricultural land)
- NPS (National Pension System)
- Corporate Deposits, Bonds, Government Securities
- Portfolio Management Services (PMS)
Globally (via OWAS):
- US-listed ETFs and Stocks
- Thematic Portfolios
- Diversified strategies (Conservative / Balanced / Aggressive)
- Bonds & Cash Instruments
- Cryptocurrencies (where suitable)
ETFs (Exchange-Traded Funds) are investment funds that hold a basket of securities (stocks, bonds, commodities, etc.) and are traded on stock exchanges, just like individual stocks. They offer diversification, low cost, and ease of trading.
How we help:
- Identify the right ETFs for your goals
- Provide Indian & US ETF options
- Build ETF-based portfolios (through OWAS or India MF route)
- Monitor performance and rebalance when needed
Ready to Start?
Your life abroad should not come at the cost of neglected finances back home or missed global opportunities.
Whether it’s NRI investment options in the USA or top investment plans for NRIs in India, let us help you create a truly global financial portfolio built with integrity, strategy, and care.
