NRO Accounts

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wapis
Posts: 27
Joined: Mon Oct 31, 2011 1:51 am

NRO Accounts

Post by wapis »

Hi,

We are thinking of doing some investments in India in wife name. She is not working here so has no income of herself but has a joint account with me. I think I can transfer the money from our joint account here to her NRO account in India. NRO accounts because I think we can have better returns on FDs etc.

Because it is not her earned income, are there any taxation or other issues, now or at the time of repatriation?

NRO accounts - any recommendations. Shall we go private such as ICICI or public sector bank such SBI etc?

Regards,
anuj106
Posts: 41
Joined: Tue Oct 18, 2011 9:01 pm

NRO Accounts

Post by anuj106 »

Dear Wapis,

As per Income Tax Act , there is a provision of clubbing of income in hands of spouse who transfers money to her spouse without consideration. So, there can be income tax issues when you plan to do the same .

There shall be no repatriation issues once funds are received in India in foreign exchange.

Anuj
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