Residential Status Tests
Section 6 day-count tests decide whether an expatriate is resident, RNOR or non-resident each year. Cambridge Wealth keeps records so each year's status is documented.
Navigate India’s tax and wealth considerations with structured guidance for NRIs, global Indians, and professionals working across borders. Cambridge Wealth helps coordinate cross-border taxation, DTAA considerations, FEMA compliance, NRE/NRO account structuring, repatriation, and return-to-India planning. Get a clearer view of your obligations and financial decisions while keeping long-term family financial objectives in focus.

Coordinated guidance for NRIs and globally mobile professionals managing Indian tax, regulatory, banking, and wealth decisions.
Section 6 day-count tests decide whether an expatriate is resident, RNOR or non-resident each year. Cambridge Wealth keeps records so each year's status is documented.
A DTAA claim at source needs a valid Tax Residency Certificate and Form 10F on file. Cambridge Wealth tracks both for each AMC and registrar so treaty relief is not lost.
FATCA and CRS declarations report your tax residency to Indian institutions, and an outdated one can freeze transactions. Cambridge Wealth updates them across folios when you move abroad.
Resident savings accounts must be re-designated as NRO once you become an NRI. Cambridge Wealth coordinates re-designation of linked folios and the records that follow.
Repatriation from an NRO account runs through Form 15CA and 15CB within annual limits. Cambridge Wealth keeps the source-of-funds records that support each transfer abroad.
A move back can bring RNOR years with different treatment of foreign income. Cambridge Wealth prepares holding and account records before the change in status.
Expatriate finances often involve overlapping tax, banking, investment, and regulatory questions. Cambridge Wealth brings these considerations together for NRIs, global Indians, and professionals connected to India. From DTAA and FEMA guidance to account structuring, repatriation, and return-to-India planning, the approach is designed to support informed decisions while connecting each option to long-term family financial objectives.

See how research-backed guidance supports professionals, NRIs, and families managing complex wealth decisions.
Thoughtful, research-backed guidance for cross-border wealth decisions and long-term family priorities.
Taxation specialists help connect Indian and international considerations to broader investment and wealth decisions.
Client interests remain central, with transparent guidance and no pushy sales approach for important financial choices.
documented research frameworks support disciplined analysis and help reduce emotional bias in investment decisions.
Experience serving NRIs and global Indians supports practical conversations across India and international financial contexts.
Taxation, investment, research, and client service specialists working together.

Founder & Chief Investment Officer
Chinmay Kulkarni founded Cambridge Wealth to bring institutional-grade investment thinking to India's affluent and global Indian investors. With 17+ years across private equity, digital banking, and wealth management, he has worked closely with prominent families worldwide on preserving and growing multi-generational wealth. His prior roles at PwC and Barclays shaped a disciplined, research-led approach to portfolio construction. He sets the firm's investment philosophy, balancing capital preservation with long-term wealth creation. Clients turn to him for the depth of expertise typically found at family offices and institutional investment firms.

Investment & Taxation Lead
Mihir leads investment structuring and taxation at Cambridge Wealth, with over 18 years of experience navigating the complexities that come with significant wealth. He works closely with clients to structure portfolios for tax efficiency across jurisdictions, including cross-border considerations for NRIs. His command of Indian tax law and regulatory nuance ensures every investment decision is structured as carefully as it is chosen. He anticipates compliance and structuring issues before they become costly. His work ensures clients retain more of what they earn.

People & Business Lead
Sangeeta leads people and business operations at Cambridge Wealth, bringing over 20 years of experience to how the firm serves its clients. As part of the founding team, she has built a culture grounded in trust, discretion, and long-term relationships. Her behavioral and relationship-driven approach shapes how the firm engages clients at every stage of their wealth journey. She oversees the operational foundation that allows the firm to deliver a consistently high standard of service. Her focus spans talent, process, and the systems that keep the firm running smoothly as it scales.

Investment Services Lead
Aditya Kaushik leads investment services at Cambridge Wealth, with over 8 years of experience building the kind of personal relationships that earn lasting client trust. As part of the founding team, he has shaped a client experience built on candor, accessibility, and long-term partnership rather than one-off transactions. He translates complex investment strategy into decisions clients can act on with confidence. His relationships with clients often span years and multiple life stages of wealth. He serves as the primary link between the firm's research and the families it works with.

Product, Data & AI Lead
CP leads product, data, and AI at Cambridge Wealth, with over 7 years of experience building the digital infrastructure behind a sophisticated wealth management experience. As part of the founding team, he ensures the firm's platforms match the standard clients expect at every touchpoint. His work in data and AI is focused on sharper, faster investment insight without compromising the discretion clients require. He bridges technology and product strategy, making institutional-grade tools intuitive to use. His focus is on building infrastructure that lives up to the wealth it serves.
Expatriate tax consultancy may cover Indian tax considerations for NRIs and globally mobile professionals, including overseas income, investments, residency-related questions, DTAA considerations, FEMA compliance, NRE/NRO account structuring, repatriation, and return-to-India planning. The relevant areas depend on your circumstances, financial arrangements, and applicable rules, so guidance should be specific to your circumstances rather than based on a generic checklist.
Speak with the Cambridge Wealth team about your India-linked financial circumstances.

Awarded in recognition of long-standing commitment and support extended toward a digital investment platform, reflecting early adoption of transaction infrastructure and consistent platform-based investment activity. Highlights an early and sustained embrace of technology-driven investment channels well ahead of broader industry adoption.

Conferred for outstanding investor mobilization and investor support during a critical fundraising window, reflecting strong on-ground execution, timely investor outreach, and effective campaign coordination. The recognition underscores the ability to convert investor interest into committed subscriptions within a tight, time-bound cycle, while maintaining clarity and compliance in all investor communication.

Awarded for sustained and exceptional contribution across a full financial year, recognizing consistent business generation, proactive client servicing, and a long-term collaborative partnership supporting business growth objectives. Reflects year-round reliability rather than a one-time spike in performance, along with active participation in ongoing investor engagement and servicing initiatives.

Presented in recognition of outstanding contribution to an alternate investment business vertical, highlighting the firm's role in expanding investor access to structured and alternative product categories through informed advisory and relationship management. Signals credibility in guiding sophisticated, higher-ticket investors through more complex product structures.

Granted for invaluable contribution to the successful launch and subscription momentum of a new fund offering, reflecting strong investor engagement and effective onboarding during the offer period. Demonstrates the capacity to drive meaningful subscription volumes and investor participation during a fund's most critical early fundraising phase.

Conferred for an extraordinary accomplishment in helping reach a significant industry-wide Assets Under Management milestone, underscoring scale, consistency, and trust built with the investor base over time. Formally acknowledged by senior leadership, this recognition points to a meaningful, measurable contribution to overall asset growth over a sustained period.

Presented for a valued strategic association built around thematic and cyclical investment advisory, recognizing the resulting investor participation. Reflects the ability to effectively communicate a nuanced investment thesis to investors and translate it into real, sustained participation.
Share your circumstances with our team and explore a structured path for cross-border tax and wealth decisions.
You can also call us directly at +91 92409 25783. You can also send us a quick email at support@cambridgewealth.in.
You can also call us directly at +91 92409 25783. You can also send us a quick email at support@cambridgewealth.in.