Indexation plays a crucial role in calculating capital gains tax on property, allowing you to adjust the purchase price of an asset according to inflation. This adjustment, guided by the Cost Inflation Index (CII) released by the Income Tax Department each year, significantly reduces the taxable gain amount, thereby lowering your tax liability. Previously, the
FINANCIAL PLANNING FOR NRIs
You built a life abroad.
Much of your financial life is still in India.
We help NRIs make the cross-border financial decisions that connect life abroad with roots in India — through comprehensive, fee-only planning.
Speak with an Adviser
Who This is For
Many NRIs don't have one financial life.
They have two.
Your investments, responsibilities and future plans may span countries, currencies and tax systems. If you're navigating more than one financial world, this service is designed for you.
Investments
You have investments and assets in India
Managing them well from another country.
Family
You support family or have responsibilities in India
Parents, dependents or financial commitments back home.
Cross Border
Your financial life spans two countries
Income, savings and goals across borders.
Inheritance
You've inherited, or will inherit, assets in India
Property and wealth that need a clear plan.
Wealth
You're building long-term wealth while abroad
A considered plan, not one-off product picks.
Returning
You may return to India one day
Planning now for a move that may come later.
When your financial life spans two countries, every decision connects.
Follow one decision, and see how far it reaches.
A decision in one area, rarely stays in that area. Across countries every choice influences Tax, Wealth & Family,
Inheritance, and the Life you are building for your Future. We'd help you see the whole picture and keep it in balance
THE DECISIONS WE HELP YOU NAVIGATE
Cross-border financial decisions
deserve joined-up thinking.
Whether you're investing, supporting family, planning a return to India or preparing for retirement, each decision influences the others. We help you see the complete picture before making the next move.
Money Across Borders
Managing investments across countries
Making tax decisions before money moves
Managing currency and cross-border cash flow
Family & Legacy
Supporting family across countries
Managing property and inherited wealth
Planning your estate across borders
Returning to India
Preparing for a return to India
Building a retirement without borders
HOW WE THINK
Good advice begins with judgement, not products.
Before we recommend anything, we work to understand your whole financial life — across both countries — and the decisions ahead of you. The plan follows from that understanding, never the other way around.
Judgement built around your life.
Independent advice keeps that judgement honest.
A long-term relationship as your life evolves.
THE PERSON BEHIND YOUR ADVICE
Manikaran Singal
I founded Good Moneying to offer families something simple but rare: advice that is genuinely independent, paid for only by you, and built around your life rather than a product. For families living between India and another country, that clarity matters more than ever — and it is the work I care about most.
Founder, Good Moneying · Certified Financial Planner · Advising families for over fifteen years
[ A short client reflection will sit here — to be added ]
Who we work best with
Your financial life spans India and another country.
You value advice that is independent and paid for only by you.
You want a long-term relationship, not a one-time transaction.
You'd rather have a clear plan than a quick product sale.
Where we may not be the right fit
You're looking for one-off tips or quick stock picks.
You'd prefer commission-based products to advice you pay for directly.
You're not yet ready to look at your finances as a whole.
WHAT WORKING TOGETHER FEELS LIKE
A calm, considered place to think about money.
It begins with a conversation — no forms, no pressure. We listen to your story, your worries and what you hope to build, across both countries.
From there, we help you see your whole financial life in one place, and shape a plan around it together. Nothing is rushed, and nothing is sold.
As your life changes — a move, a new responsibility, a return to India — we are there to think it through with you. Over time, it feels less like advice and more like a steady hand you can call on.
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You built a life abroad.
Much of your financial life is still in India.
We help NRIs make the cross-border financial decisions that connect life abroad with roots in India — through comprehensive, fee-only planning.
SEBI Registered Adviser · Fee-only · Fiduciary · 20+ Years with NRIs
WHY Financial Planning in India?
Well, NRIs are Non Resident but still Indians. You may have the intention to Come back for good at some point in time. You may like to enjoy your retirement years in your own Country where the cost of living is quite less then your host country.. In today’s kind of tough scenario i have also seen many NRIs are forced to return to India (Due to Job issues), so sometimes it’s not in your hand. You may have accumulated some of your assets while in India before going abroad. You may inherit some assets from your Parents. You may have some of your responsibilities and goal in India. All this requires you to Plan your finances as per the goals in India. Financial Planning helps you organize your finances and helps you take a holistic view of your life , so you can have a better connection between your money and your Life. And work out on your Investments, Insurance, taxes, goals and many other things wisely.
A Good Financial Planning is all about Good Financial habits
How NRI Financial Planning is different and Complex?
It is complex, yes. and this complexity comes from the financial arrangement in the home country as well as where you are currently residing. Your Better investment capacity due to currency conversion makes you a sought after customer of the bank, Insurance agents, Real estate agents etc. which further complicates the structure when you buy their products without having holistic view of your finances. Other issues which makes it Complex are...
Here’s what Our Clients say about
Our Service
Yadvinder Changotra
USA
He Under Promises and Overachieves
Manikaran Singhal is very knowledgeable and trustworthy Financial Planner . He provides a fresh impetus to your personal Financial planning by providing very transparent Pro\Con view of various financial schemes available in the market.His greatest strength lies in his deep knowledge of the Banking Sector along with Insurance and Mutual Funds .
He has always under promised and over achieved which should be a trademark quality of any Financial Planner . Happy to have him provide me with his expert service”
Vivek Shrivastava
Singapore
He educates, examines, and maximizes
Manikaran ; wealth manager for my high-end portfolio has been always looking for the best way for me to maximize my investment. He is knowledgeable about the market and savvy to consumer impressions and misconceptions. His approach is to educate clients in a way that is easily understood. He examines what is presented to him and then lays out a plan with various options that are up to you to decide which you would prefer. He goes over all options and what would result in each option.
What Will NRIs get in Financial Planning?
Broad structure of any financial planning exercise is the same. But the output differs as Ingredients differs with different profiles. As written Above, NRIs Financial plan requires different kind of attention
What We have Written for YOU
NPS for NRI 101: Your ultimate guide on National Pension Scheme in India
This article is about NPS for NRI, NPS Features, how to open a National Pension Scheme account for NRIs in India, and how it benefits an NRI. This article may contain some jargon and technical aspects which are important to understanding the subject. However, if you find it heavy, please do share your queries in
Financial Freedom: A Journey of Responsibility and Minimalism
Discover how to achieve financial freedom by focusing on mindful spending, smart investing, and stress-free money management. Embrace a simpler, fulfilling life! Financial freedom isn’t just about having a large bank balance; it’s about the freedom to live life on your terms without financial stress. But this freedom isn’t a one-time achievement—it’s a continuous practice
NRIs Goal based Investments in India
Without Goals there can't be a Plan. Without Plan it is difficult to be in discipline. Without discipline growth will always be in question. NRIs generally plan for their Retirement, House Purchase, Investment Management and sometimes Children education too in there Home Country India.
However, there are some who wants to be Financially free as soon as possible, since they feel that they can save more when they are out of India. Some wants to
save for seed capital for their new business, Some wants their Parents money to be managed well in India
Every Profile is different, Every NRI requirements are different, and so does the Complexity in every profile.
In the whole process lots of things need to be planned and managed. Like bank accounts, Insurances, Employer benefits, Investments, taxation etc. With No social security arrangement in India your planning should cover all the aspects you may foresee needs attention.
Your Financial plan may be different when you are outside India, When you have just returned and when you have already returned. Every step needs a detailed review on all the aspects. which is why more than Financial Plan , the Financial Planning is important. and this is where a Professional and certified financial planner will be of help.
100%
MONEY BACK
GUARANTEE
100% Satisfaction Guarantee
Financial planning is a Fee based Profession. and Since this is now being Regulated by SEBI so many Certified Financial Planners and especially those who are Registered with SEBI, like us work only on "Fee only" structure. This means that we work as Fiduciary and don't earn any commissions from the products that we advise. NRIs are usually accustomed to Fee only advice as this is the norm in many countries and it creates lots of Transparency in the Relationship.
Still, if you did not experienced Financial planning Services before, then just to encourage you and remove the fear of paying from your mind, we offer you 100% money back guarantee, in case you are not satisfied with the Service Quality.