Product Suite — Built for NRIs

Every Financial Product. One Platform.

Nine verticals designed for NRIs investing in India — FEMA-compliant routes, NRO/NRE accounts, repatriation benefits, and DTAA-optimised structures across every asset class.

NRI Advantage
NRO & NREBoth routes supported
FEMAFully compliant
DTAATax treaty benefits
Video KYCFrom any country
RepatriationPrincipal + interest
01

Trading

Deep Tech OMS — Flat ₹499/mo

A professional-grade Order Management System built for active traders. Flat monthly pricing means zero brokerage on every trade — equity, futures, options, and algo.

₹499/month flat — unlimited trades across all segments
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Equity Trading

NSE/BSE cash segment with real-time L2 data and smart order routing.

F&O Trading

Futures & Options with margin optimisation and multi-leg strategy builder.

Algo Trading

API-first OMS with Python/REST hooks for automated strategy execution.

Commodity Trading

MCX & NCDEX access for gold, silver, crude, and agri commodities.

Currency Derivatives

USD/INR, EUR/INR, GBP/INR and cross-currency pairs on NSE/BSE.

Flat-Fee OMS

₹499/month unlimited trades — no per-order brokerage, ever.

02

Investments

Mutual Funds, Bonds & Alternatives

From ₹500 SIPs to ₹100 Cr bond allocations — a full-spectrum investment platform covering mutual funds, direct bonds, REITs, InvITs, and sovereign gold.

AMFI-registered distributor — direct plans, zero trail commission
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Mutual Funds (Direct)

Zero-commission direct plans across 40+ AMCs with goal-based SIP automation.

Corporate Bonds

Curated high-yield corporate bond inventory with SEBI-registered debenture trustees.

Government Securities

G-Secs, T-Bills, and SDL via RBI Retail Direct — sovereign safety, market returns.

REITs & InvITs

Listed real estate and infrastructure investment trusts for passive income.

Sovereign Gold Bonds

RBI-issued SGBs with 2.5% p.a. interest + gold price appreciation, tax-free on maturity.

Fixed Deposits

Curated FD ladder across NBFC and bank issuers — up to 9.5% p.a.

03

IPO & Capital Markets

Mainboard, SME & Pre-IPO Access

End-to-end IPO application management — mainboard, SME, and OFS — plus exclusive pre-IPO allocation for HNI clients through our SEBI-registered Category II AIF network.

Pre-IPO access for HNI clients — exclusive Category II AIF allocations
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Mainboard IPO

ASBA-based applications for NSE/BSE mainboard IPOs with UPI mandate support.

SME IPO

NSE Emerge and BSE SME IPO applications with dedicated SME research.

Pre-IPO Placement

Unlisted equity access for HNI clients — minimum ₹25 Lakhs, 12–18 month horizon.

OFS & FPO

Offer for Sale and Follow-on Public Offer applications via broker network.

Rights Issues

Rights entitlement trading and application management for existing shareholders.

Buyback Tenders

Tender offer participation with tax-optimised lot selection for maximum returns.

04

Insurance

IRDAI Direct Broker — All Lines

As an IRDAI-licensed Direct Broker, we offer unbiased insurance across all lines — life, health, motor, travel, and commercial — with claims support included.

IRDAI Direct Broker licence — unbiased advice, no insurer bias
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Term Life Insurance

Pure protection plans from 15+ insurers — up to ₹10 Cr cover, online issuance.

Health Insurance

Individual, family floater, and super top-up plans with cashless hospital network.

Motor Insurance

Comprehensive and third-party motor insurance with instant policy issuance.

Travel Insurance

Single-trip, multi-trip, and student travel plans — Schengen and worldwide cover.

NRI Insurance

FEMA-compliant life and health covers for NRIs — NRO/NRE premium payment.

Commercial Insurance

Fire, marine, liability, and D&O covers for businesses and HNI asset protection.

05

Loans

DSA Network — 20+ Partner Banks

As a registered DSA with 20+ banks and NBFCs, we source the best loan terms for home, business, personal, and securities-backed lending.

DSA with 20+ lenders — best rate guarantee across all loan types
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Home Loans

Up to ₹10 Cr, 30-year tenure — sourced from SBI, HDFC, ICICI, and 15+ lenders.

Loan Against Securities

Overdraft against mutual funds, shares, and bonds — up to 80% LTV, same-day disbursal.

Business Loans

Unsecured and secured business loans up to ₹5 Cr for SMEs and professionals.

Personal Loans

Pre-approved personal loans for salaried and self-employed — 10.5% p.a. onwards.

NRI Home Loans

FEMA-compliant home loans for NRIs — NRO/NRE repayment, repatriation of rental income.

Loan Against Property

Mortgage loans up to ₹25 Cr against residential and commercial property.

06

Credit & Banking

NRO, NRE & FCNR Accounts

Complete NRI banking solutions — account opening, forex remittance, credit cards, and FCNR deposits — all coordinated through our banking partner network.

Full NRI banking stack — NRO, NRE, FCNR, and forex under one roof
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NRO Account Opening

Non-Resident Ordinary accounts for Indian income — interest taxable, partial repatriation.

NRE Account Opening

Non-Resident External accounts — fully repatriable, interest tax-free in India.

FCNR Deposits

Foreign Currency Non-Resident deposits in USD, GBP, EUR — no exchange risk.

Forex Remittance

Inward and outward remittance via SWIFT/NEFT — competitive exchange rates.

NRI Credit Cards

International credit cards linked to NRE/NRO accounts with global acceptance.

DTAA Advisory

Double Taxation Avoidance Agreement structuring to minimise withholding tax.

07

Tax Intelligence

NRI Tax Filing & DTAA Structuring

Specialised NRI tax services — ITR filing, TDS refund claims, DTAA benefit applications, and capital gains optimisation for Indian investments.

DTAA-optimised structuring — reduce withholding tax to treaty rates
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NRI ITR Filing

Income Tax Return filing for NRIs with Indian income — rental, capital gains, interest.

TDS Refund Claims

Claim excess TDS deducted on NRO interest, rent, and capital gains.

DTAA Benefit Application

Form 10F and Tax Residency Certificate filing for reduced withholding tax rates.

Capital Gains Optimisation

STCG/LTCG planning for equity, mutual funds, property, and bond investments.

Advance Tax Planning

Quarterly advance tax computation and payment to avoid interest under Sec 234.

Repatriation Structuring

CA-certified repatriation of sale proceeds, rental income, and maturity amounts.

08

Wealth Tech

Portfolio Analytics & Goal Planning

AI-powered portfolio analytics, goal-based financial planning, and consolidated account aggregation — all in one dashboard built for the NRI investor.

AI-powered portfolio analytics — built for the NRI multi-asset investor
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Portfolio Aggregator

Consolidated view of all Indian investments — MF, stocks, bonds, FDs, insurance.

Goal-Based Planning

Retirement, education, and property goal planning with SIP and lump-sum projections.

Risk Profiling

Psychometric and quantitative risk assessment with asset allocation recommendations.

Rebalancing Alerts

Automated drift alerts and one-click rebalancing across equity, debt, and gold.

Performance Analytics

XIRR, TWR, and benchmark-relative performance across all asset classes.

Tax Harvesting

Automated loss harvesting recommendations to offset capital gains before year-end.

09

HNI Seed Bond

₹100 Cr @ 14% p.a. — DSCR 3.59x

A secured, listed NCD offering for HNI and institutional investors. Federal Bank escrow, Vistra ITCL trustee, and a 3.59x DSCR make this the flagship fixed-income product.

Minimum ₹25 Lakhs — limited allocation, HNI desk onboarding only
View HNI Bond Details
14% p.a. Coupon

Fixed annual coupon paid quarterly — higher than most bank FDs and corporate bonds.

3.59x DSCR

Debt Service Coverage Ratio of 3.59x — issuer generates ₹3.59 for every ₹1 of debt service.

Federal Bank Escrow

All cash flows routed through a Federal Bank escrow account — ring-fenced from issuer.

₹14 Cr DSRA

Debt Service Reserve Account pre-funded with ₹14 Cr FD — 6 months of coupon cover.

Vistra ITCL Trustee

SEBI-registered debenture trustee — independent oversight of all security interests.

NRI Eligible

FEMA-compliant investment via NRO/NRE accounts — repatriation of principal and interest.

Ready to get started?

Talk to a Product Specialist

Whether you're a first-time investor or an HNI looking for the bond desk — we're here.

IRDAI Direct BrokerAMFI MFDSEBI RA (Partner)KSUM ISCDPIIT RecognisedBhaskar Org ID

John Thomas Fintech Pvt Ltd - IRDAI Direct Broker - AMFI Registered Mutual Fund Distributor - SEBI Research Analyst via Partner - Investments in securities market are subject to market risks, read all related documents carefully. Insurance is subject matter of solicitation. Loans via partner Banks/NBFCs. Features described for educational purposes - T&C apply.

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