Settleline is a cross-border tax and compliance advisory firm dedicated to helping Non-Resident Indians (NRIs), Overseas Citizens of India (OCIs), and global professionals simplify their financial and tax journey when returning to India. The process of moving back is more than just a physical relocation—it comes with complex tax, residency, property, and compliance obligations that often overwhelm individuals. Settleline bridges this gap by offering expert, end-to-end solutions tailored to the unique needs of global Indians.

Founded with the mission to provide clarity, compliance, and confidence, Settleline combines the expertise of experienced Chartered Accountants (CAs), international tax professionals, and financial advisors to ensure a seamless transition from abroad to India.

Our Services

Settleline provides a complete suite of cross-border tax and compliance services that cover every stage of the return-to-India journey:

1. Residency & RNOR Planning

• Personalized analysis of NRI stay history.

• Optimizing RNOR (Resident but Not Ordinarily Resident) years for tax savings.

• Advising on the best time to return to minimize global tax exposure.

2. Global Income & Double Taxation Relief

• Assistance with Form 67 filing to claim Foreign Tax Credit (FTC).

• DTAA (Double Taxation Avoidance Agreement) advisory for US, UK, UAE, Canada, Australia, and other countries.

• Guidance on retirement accounts worldwide including:

  • US: 401(k), Roth IRA, Traditional IRA, 403(b), 457 plans, HSAs.

  • UK: SIPPs, ISAs, occupational pensions.

  • Canada: RRSPs, TFSAs, employer pensions.

  • Australia: Superannuation funds.

  • Middle East: End-of-service benefits.

• Specialized advisory on withdrawals, conversions (e.g., Roth vs Traditional), and claiming treaty benefits to avoid double taxation.

3. ITR Filing & Compliance

• Filing complex Income Tax Returns for NRIs and returning residents.

• Reporting of foreign assets under Schedule FA (to avoid ?10 lakh+ penalties).

• Handling advance tax, Form 10EE/89A, and compliance with the Black Money Act.

4. Property & Repatriation Advisory

• End-to-end assistance in property sales, TDS strategy, and Form 15CA/CB filings.

• FEMA/RBI guidance for repatriating up to $1 million per financial year.

• Advisory on property purchases,rental income taxation.

5. Business & Offshore Structuring

• Setting up Indian private limited companies, subsidiaries, or LLPs for returning entrepreneurs.

• FEMA-compliant business structuring under overseas holdings.

• Payroll and cross-border transfer pricing advisory.

Key Clients

Settleline has worked with a wide spectrum of clients across the globe, including:

• Returning NRIs from the US, UK, Canada, UAE, and Australia who require guidance on ITRs, global asset reporting, and RNOR planning.

• Tech professionals with RSUs and ESOPs (working at firms like Microsoft, Google, Amazon, Meta, etc.) navigating cross-border equity taxation.

• Global professionals with retirement accounts—401(k)s, IRAs, HSAs, UK pensions, Canadian RRSPs/TFSAs, or Australian Super funds—requiring strategic withdrawals and treaty planning.

• Entrepreneurs and business owners relocating operations or setting up India entities under offshore holding structures.

• Families with inherited properties in India, requiring support for sale, capital gains exemption, and repatriation.

• High-net-worth individuals (HNIs) needing custom advisory on global estate planning, FEMA limits, and long-term tax structuring.

Why Choose Settleline?

1. Cross-Border Expertise: We understand both Indian tax law and international treaties, ensuring you don’t fall into double-tax traps.

2. End-to-End Solutions: From ITR filing to property sale, from Form 67 to RNOR timing—we handle the entire process.

3. Retirement Account Mastery: Unlike generic CA firms, we specialize in optimizing taxation for 401(k), IRA, HSA, pensions, superannuation, RRSPs, SIPPs, and more.

4. Penalty Prevention: With Schedule FA, FEMA, and RBI rules becoming stricter, avoiding mistakes is as important as saving tax.

5. Trusted by Global Indians: Our growing client base includes NRIs across the US, Middle East, Europe, and Asia-Pacific.

Vision & Mission

• Vision: To be the most trusted global partner for NRIs and cross-border professionals returning to India, simplifying compliance and maximizing peace of mind.

• Mission: To remove the stress of financial complexity by offering accurate, timely, and actionable cross-border tax solutions.