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known-about-nripiooci

All you wanted to know about NRI, PIO and OCI

by Holistic 13 Comments | Filed Under: Uncategorized

Listen to this article



When the first time my friend asked me about NRI, PIO, and OCI, I was blank! I was clueless about what this acronym means; and what is their importance. I had several questions in my mind; the meaning, significance, and difference between these three terms, etc. After some in-depth study and research, I have understood these terms.

From my understanding, the only similarity factor in between these three terms NRI, PIO & OCI is that these are badges given to a person who has or had roots in India but lives overseas. Despite this similarity, there exists a huge difference between an NRI, PIO & OCI across many categories.

I am presenting here, a detailed yet interesting summary of these terms! Take a look below to get clarity on these terms

Table of Contents:

1.) NRI, PIO & OCI: What does these mean?

2)NRI – Non-Resident Indian

  • Eligibility for NRI
  • Benefits of being an NRI
  • Disadvantages of being an NRI

3) PIO – Person of Indian Origin

  • Eligibility of PIO card
  • The validity of PIO card
  • Benefits of being a PIO cardholder
  • Disadvantages of PIO card

4) OCI – Overseas Citizen of India

  • Eligibility for OCI card
  • Validity & Renewal of OCI card
  • Benefits of being a OCI cardholder
  • Disadvantages of OCI card
  • How to apply for OCI card

5) The key difference between PIO, OCI & NRI

  • PIO vs. OCI
  • NRI vs. OCI
  • NRI vs. PIO

6) How an OCI/PIO can get Citizenship in India?

  • Eligibility for an OCI to apply for Indian Citizenship
  • Documents Required
  • Procedure to apply

7) Do a PIO, NRI or OCI cardholder has to pay taxes in India?

8) Conclusion

1) NRI, PIO & OCI: What do these means?

Before understanding anything it is vital to know the full form of the acronyms NRI, PIO & OCI stands for:-

  • NRI means Non-Resident Indian,
  • PIO stands for Person of Indian Origin and
  • OCI means Overseas Citizen of India.

NRI is a residential status given to a citizen of India with an Indian Passport who resides in a foreign country for the purpose of work/business, or education.

PIO is an identification status given to whom or whose any of the ancestors was a permanent Indian resident/citizen and who is currently holding valid citizenship and passport of another country.

[Note: As per the Gazette of India published on 09.01.2015, all existing PIO cards are deemed to be OCI cards.]OCI is an immigration status given to a foreign citizen of Indian origin as an alternative for dual-citizenship which is not allowed by the Indian Constitution

Definition of the terms PIO and OCI may appear to be slightly similar, but there exists a discreet difference between the two.

You will understand the difference between NRI vs PIO vs OCI when taking a closer look below:

2) NRI – Non-Resident Indian

a) Eligibility for NRI

Eligibity for NRI

The eligibility criteria for NRI status is that the person should be an Indian citizen with a valid Indian Passport and should reside outside of India for at least 183 days or more in a financial year (April 1st – March 31st).

b) Benefits of being an NRI

Being an NRI is only a residential status classified by the Income-Tax of India. If you are an NRI, you can avail the following benefits from India,

    • i. Banks offer special overseas accounts like RFC/FCNR/NRE/NRO accounts.
      ii. The education system in India allows special reservation quota for NRIs.
      iii. You can vote for elections but you have to be physically present in the polling booth.
  •  iv. Your income earned abroad will not be taxed by the Income-Tax Dept of India.

Benefits of Being an NRI

c) Limitations of being an NRI

The limitations of being an NRI are as follows,

i. You cannot purchase agricultural land.

ii. You are taxed for the income you earn in India.


3) PIO – Person of Indian Origin

As noted already, the Gazette of India published on 09.01.2015, says that all existing PIO cardholders are deemed to be OCI cardholders. The government of India has stopped issuing the handwritten PIO cards and asked the existing holders of PIO cards to replace them with the new OCI card.

a) Eligibility for PIO card

The eligibility criteria that HAD been set to apply for a PIO card is that you should be,

A person, who or whose parents, grandparents, great grandparents were born in India and were/are a citizen or eligible to become citizen of India at any time on or after commencement of the Constitution i.e. 26.01.1950; or belong to territories that became part of India after 15.08.1947, is eligible for holding a PIO card.

But, you cannot be eligible for something that is no more available. Since the Ministry of Home Affairs has stopped issuing new PIO cards from 2015 you do not have to worry about the eligibility criteria to apply for a PIO card. In that case, you only have to know about the eligibility criteria to apply for an OCI card.

The Ministry of Home Affairs has removed the eligibility criteria for PIO and added the validity/expiry of PIO cards. So, if you already have an old PIO or want a new PIO card then your concerned problem should be the validity of your PIO card.

b) The validity of PIO card

The validity of PIO card

Your PIO card is valid only until 30th September 2019 as an alternate for a visa when provided along with a valid foreign passport. After the deadline of 30.09.2019, handwritten PIO cards will not be accepted as a valid document to travel to India according to the ICAO guidelines.

c) Benefits of being a PIO cardholder

If you already hold PIO card, then you can avail the following benefits,

i. Your PIO card is an alternate for a visa to travel to and from India. It permits multiple entries for multiple purposes.
ii. You can work/study in India without any special visa.
iii. Special counters for fast immigration clearance at all international airports
iv. 180 days of continuous stay without any registration to FRRO (Foreigner Regional Registration Office) local police authorities.
v. Financial/economic/educational benefits at par with NRIs.

d) Disadvantages of being a PIO cardholder

The limitations of PIO card extends beyond its upcoming expiration.

i. A PIO card is valid only for 15 years. In case your PIO card expired before 30.09.2015, then you must apply for an OCI card in lieu of PIO card.
ii. You may not hold a government job. (but can work for a private concern without conditions)
iii. You cannot vote or hold government jobs.
iv. If your purpose of the visit is not full filled in 180 days, then you need to register to FRRO or local police authorities within 30 days.
v. You need special permission to do research work in India from the Indian Mission/FRRO/Post.
vi. You cannot purchase agricultural land.

4) OCI – Overseas Citizen of India

a) Eligibility for OCI card

A person who is a citizen of India or eligible to become a citizen of India on or after the commencement of the Constitution i.e. 26.01.1950; or who belonged to a territory that became part of India after 15.08.1947; or who is a child(either minor or major) or grandchild or great-grandchild of such a citizen

A person, who or whose parents, grandparents, great grandparents were born in India and were/are citizen or eligible to become citizen of India at any time on or after commencement of the Constitution i.e. 26.01.1950; or belong to territories that became part of India after 15.08.1947 is eligible for holding an OCI card.

Spouse of OCI cardholder is eligible to apply for OCI card only after completion of two years of registered and subsisted marriage, provided that the person had not been a citizen of Pakistan, Bangladesh or such country listed by the Central Government.

However, a person isn’t entitled to apply for any of these cards, if the person or their ancestors at any time was a citizen of Pakistan, Bangladesh, and others as specified by the rules laid by the Government of India.

b) Validity & Renewal of OCI card

The OCI card acts as a VISA to enter India for any purpose multiple times with life-long validity when carried along with a valid foreign passport.

Even though the OCI card is said to have lifelong validity, it needs to be renewed after expiry of the foreign passport of the OCI cardholder; and after reaching the age of 20 years of the OCI cardholder; after reaching the age of 50 years of the OCI cardholder.

The processing time for renewal of the OCI card will be around a maximum of 10 to 12 weeks.

c) Benefits of being an OCI cardholder

The benefits of holding an OCI card are as follows,

i. Multiple entries to visit India for lifelong for multi-purposes.
ii. You need NOT register with FRRO or local police authorities even after a continuous stay of 180 days.
iii. You can work/study in India without any special permission just like Indian nationals.
iv. Special counters for fast immigration clearance at all international airports
v. Financial/economic/educational benefits are on par with NRIs.
vi. Parity with Resident Indians in charges for Domestic Airfares/National Parks/Wild Life Sanctuaries/Museums/Historical sites etc.

d) Disadvantages of being an OCI cardholder

The limitations of an OCI cardholder are bare when compared with the facilities offered to an Indian Resident. If you are an OCI cardholder, then your restrictions are,

i. You cannot purchase agricultural land.
ii. You may not hold a government job. (but can work for a private concern without conditions)
iii. You cannot vote or hold government jobs.
iv. You need special permission to do research work in India from the Indian Mission/FRRO/Post.

e) How to apply for OCI card

How to apply for OCI card

You should fall into two categories when you register for an OCI card – a new OCI registration and conversion of PIO to OCI card.

You can apply for an OCI card (both new & conversion) through online from the official website of Indian Government – https://ociservices.gov.in/

The website contains a brief guide of the application procedure. The documents required to apply for the OCI certificate, OCI application status enquiry, OCI miscellaneous services, and F.A.Qs are also mentioned on the website. After successful online registration, you will be required to produce the original documents that you provided while submitting the online application.

On successful submission of the online application form, you have to visit the Indian Mission/post/office for original document verification if you currently reside in India. You have to visit the Indian embassy in the country where you hold citizenship if your current residence is in the country where you hold citizenship.

5) The key difference between PIO, OCI and NRI

a) PIO vs. OCI

i) When talking about the differences between the two, let’s begin with the privileges. A PIO card allows visa-free travel from and to India to the person holding a valid card. A PIO card is considered valid only if you hold a valid passport. On the contrary, an OCI card allows lifetime visa-free traveling to and from India.

ii. Next important difference between OCI and PIO is the extension of stay. A PIO card allows only 180 days of continuous stay in India, the PIO cardholder has to inform the FRRO or local police if the stay needs to be extended beyond 180 days. An OCI cardholder can stay in India for any length of time without any concern of intimation to the local police or FRRO.

iii. The difference in the eligibility criteria is, the foreign spouse of the card holder is eligible to apply for PIO. However, for OCI card, it mandates the person to be eligible in their own capacity. In simple terms, a foreign national who isn’t eligible to apply for an OCI card, will not get an OCI card even if married to a person who is a holder of the valid OCI card. However, their children are eligible to hold an OCI card.

b) NRI vs. OCI

The key difference between NRI and OCI is that a Non-Resident Indian (NRI) is a residential status described by the Income Tax Department of India which comes into use only while filing IT returns. An Overseas Citizen of India (OCI) is an immigration status or special visa given for foreign nationals of Indian Origin by the Government of India to visit or live in India indefinitely.

c) NRI vs. PIO

The key difference between NRI and PIO is that a Non-Resident India (NRI) is a residential status described by the Income Tax Department of India which comes into use only while filing IT returns. Person of Indian Origin (PIO) Card was a form of identification issued to an Indian Origin individual who held a passport in a country other than Pakistan, Bangladesh, and others listed by the Indian Government.

6) Can an OCI/PIO get Citizenship in India?

Yes. The Government of India has provisions for grant of Indian Citizenship by registration to OCI card holders (including spouse, children).

a) Eligibility for an OCI to apply for Indian Citizenship

As an OCI, in order to register as an Indian Citizenship under Section 5(1)(g) of the Citizenship Act 1955, you should be registered as an OCI for a minimum of 5 years and should be resident in India for 1 year before making the application to grant Indian Citizenship.

b) Documents Required

The application form needs to be duly signed/self -attested by the applicant. The documents required which are mentioned below need to be duly signed/attested by the nearest Collector/District Magistrate/Deputy Commissioner personally.

  • A copy of valid Foreign Passport
  • A copy of valid Residential Permit/OCI card.
  • Declaration and Oath of allegiance as specified in the form to be made before the offices specified in the Citisenshiozenship Rules, 1955 i.e. Collector/District Magistrate/Deputy Commissioner.
  • Copy of Bank Challan in original amounting to 500 INR/- payable towards declaration and Oath of allegiance deposited in the State Bank of India under Head No. “0070-Other Administrative Services-Other Services-Receipts under the Citizenship Act”.
  • A copy of marriage certificate issued by the Registrar of Marriage & evidence of his/her spouse’s Indian nationality viz. copy of Indian Passport or birth certificate. (if applicable to you)

c) Procedure to apply

After completing the application form and preparation of the documents required, they need to be submitted to Collector/District Magistrate/Deputy Commissioner of the area of residence of the applicant.

The application process generally takes up to 90 days for processing by the State Government and The Ministry of Home Affairs. Once your application is approved by the Government, you will be intimated.

After getting the intimation from the Government, you need to submit the Proof of Renunciation attested by a Gazette Officer and proof of payment of the applicable fee.
Once all the documentation is over, you will be provided with the certificate of Indian Citizenship by the Government of India.

[Note: To know about the detailed procedure to apply for Indian Citizenship, visit the official website here.]

7) Do a PIO, NRI or OCI card holder has to pay taxes in India?

Do a PIO, NRI or OCI card holder has to pay taxes in India

Yes, PIO, OCI, or NRI have to pay tax in India but only for the income earned in India. The PIO/OCI card holder is not liable to pay or declare any tax for the income earned abroad. Only income earned in India is subject to taxes.

Conclusion

If you are looking forward to applying for a PIO or OCI card, enlighten your mind with this information and apply for the card.

As an NRI you may have few queries, which you may want to clarify. To clarify your queries, we are now offering

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Comments

  1. Krishna says

    May 23, 2022 at 4:55 pm

    We were denied boarding on a major airline as the passport number on the handwritten PIO card did not match current passport number. Despite having both old expired passport (the one on which PIO was given) and new current passport, boarding was denied.
    As you know, PIO cards can be used till end of Dec 2022.
    Was the airline right in denying us boarding?
    We were forced to cancel ticket before plane took and lost a considerable amount of money due to it.

    Reply
    • Holistic says

      September 9, 2022 at 3:31 pm

      The government of India has stopped issuing handwritten PIO cards and asked the existing holders of PIO cards to replace them with the new OCI card.

      Reply
  2. saavi says

    November 7, 2021 at 5:39 am

    i was an Indian citizen till October 2021 but now I’m italian citizen, planning to go back to India with tourist visa.. can i apply for an OCI card from india as well? bcoz i have read somewhere that it’s not possible with tourist visa.

    Reply
    • Holistic says

      September 9, 2022 at 3:31 pm

      You can apply for an OCI card (both new & conversion) through online from the official website of Indian Government – https://ociservices.gov.in/

      The website contains a brief guide of the application procedure. The documents required to apply for the OCI certificate, OCI application status enquiry, OCI miscellaneous services, and F.A.Qs are also mentioned on the website. After successful online registration, you will be required to produce the original documents that you provided while submitting the online application.

      Reply
  3. Prj says

    May 24, 2020 at 10:12 pm

    NRI are indian citizens but PIO and OCI are the citizen of another country excluding pakistan and bangladesh.They required OCI and pio for travelling in india is it correct?

    Reply
    • Holistic says

      October 23, 2021 at 4:53 pm

      Yes! You are right.

      Reply
  4. vaman says

    February 27, 2020 at 3:38 pm

    I am a resident in India. Can I buy domestic airline tickets for my friend and family who are PIOs by paying from my Indian credit card

    Reply
    • Holistic says

      October 23, 2021 at 4:53 pm

      Yes you can.

      Reply
  5. Mahesh says

    October 31, 2019 at 5:14 pm

    Is 365 days stay in last four years apply to OCI card holder or they can stay for 181 days in every year from Income tax point of view.

    Reply
    • Holistic says

      October 22, 2021 at 5:41 pm

      An OCI cardholder can stay in India for any length of time.

      Reply
    • Holistic says

      October 23, 2021 at 4:53 pm

      If you are an OCI card holder, then you can stay in India as long as you can.

      Reply
  6. VIJAYARAMAN AKILESWARAN says

    June 24, 2019 at 11:00 am

    As an OCI. what investment can an OCI holder make , who has property in India and earns from the rentals, to get deductions in taxable income in India.

    Reply
    • Holistic says

      October 9, 2021 at 3:52 pm

      Hi!

      For personalized investment suggestions, please click the below link and register for our 30-minute complimentary financial plan consultation to talk with our certified financial planners.

      Book your appointment here:
      https://www.holisticinvestment.in/complimentary-financial-plan-consultation/

      Reply

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Jey S
Jey S
24. September, 2021.
I have been using Holistic Investment Planners for the last three years. Mr. Srinivasavaradhan answered all my questions and doubts very patiently during the first free consultation. I was able to clearly define my short-, medium- and long-term goals once I signed up for the comprehensive plan and got their investment plan suggestion to achieve my goals. They are very polite and highly professional whenever I contact them for any queries or make investments. They never pressurize you to invest on their recommended financial products. I would have been lost money by investing directly without their help since I do not have time and knowledge about different financial products. Risk planning is also done as part of financial planning. Truly, they are holistic planners when it comes to your financial planning. They help you to define your life goals, understand your financial resources and establish a plan to invest towards reaching those goals. They do review your plan as you progress to make sure that you are on correct path to achieve those goals. Kudos to the team and keep up the good work!!! I am happy that I found holistic investment planners for my financial planning and management.
aksaswadkar
aksaswadkar
24. September, 2021.
I was about to retire and really not understanding how to invest money to have financial freedom and fulfilling my goals. Was desperately searching on internet way out and fortunately came across Holistic Investment Planners. I read number of articles on their website and realized that this is the agency which I want and engaged their services for my retirement planning. It is an excellent experience to be associated with Holistic. Right from day one our interaction was fantastic and they gave me such a wonderful plan that I had never imagined. I am fortunate enough to be in the client list of Holistic. I have recommended Holistic to my friends as well.
Lionel Faber
Lionel Faber
16. September, 2021.
I've been availing their services for the past year. They are highly knowledgeable in the field and are very patient with all doubts and queries. Personalized financial planning is provided keeping your short term, medium term and long term goals in mind. They do not pressurize you to purchase schemes of their choice. They provide their input and suggestions and leave the decision up to you which shows their honesty and high principle.
Sridhar
Sridhar
8. September, 2021.
Financial planning brings peace in life. Holistic Investment have supported in arriving financial plan based on future goals. My investments are regular since then. They are professionals in their business, will recommend others.
Nitesh Agrawal
Nitesh Agrawal
6. September, 2021.
I have been using Holistic Investment Planners from last one year. The journey has been fantastic. Being a finance person myself I always thought we can look after and plan own finances also. However, due to lack of time and deciplain the things are not always as desired. After joining with Holistic Investment for the first time Icame to know the Financial goals and quantified them. Some dreams were unrealistic based on the earnings and savings so had a reality check. Also got the information and deciplain of investing on regular and more rewarding securities. I definetly suggest to use Holistic Investment Planners. They are professionals, available and hear youor full story before presenting plans. They are flexile in the sense if there are some urgent deviations required, they help to plan the same. For all professionals/individuals I would suggest using professional help of Holistic Investment Planners for best results in long term investment and financial goals achivements. Last advise will be to start early in your life. It really pays well to start in the beginning itself else the dreams needs to adjust :)
Swetha Vasanth
Swetha Vasanth
6. September, 2021.
This is my first year service with the Holistic Team and I would say that they are very much helpful in creating a financial plan and follow ups during the year. I would definitely suggest them if anyone who is willing to proceed with their savings professionally.
Joseph Mathias
Joseph Mathias
6. September, 2021.
I came to know about Holistic Investment Planners online while searching for different investment ideas. Once I contacted them the journey was very smooth. Mr. Ramalingam explained all the aspects of Financial planning in detail and it opened my mind. I realized how important it is to have a Financial planning. Mr. Rajan suggested all the requirements as per my goals and made a Investment plan keeping in mind of my goals. I started my Investment journey with them. I wish I had done it some years back then it would have been in a different level. Review meetings were held every six month to check the implementation of the plan and check the results as per the requirements and to check if any changes required. Overall it was a good experience with Holistic Investment team and would like to continue in the years to come.
Srinvas Kannan
Srinvas Kannan
30. July, 2021.
I came across Holistic investment planners almost 5-6 years back, but I did not have the trust since I had met a few of them who did not sound promising. Then I started investing through a financial advisor of my friend. After 4 years of investing the returns were very low. I was disappointed and started looking for financial advisors when I came across Holistic investment. I had a detailed discussion about my goals and the way they would approach achieving my goal before deciding to switch my investments to them. After a thorough analysis of my then existing portfolios, they suggested new ones and we zeroed-in on 6 schemes/funds where our investment would be split. I am glad I made the decision of switching over and taking Holistic planner's advise, my returns are handsome and I only wish I could have taken their help/advise 5 years back itself. Neverthless, I would like to recommend their services for investment and financial advise if someone is serious about their investments.
Shivaram Andiappan Selvaraj
Shivaram Andiappan Selvaraj
3. July, 2021.
I got a free first time consultation. I got my doubts resolved. They also gave additional advises for investment planning which was also useful.
Nellai B
Nellai B
26. June, 2021.
I have been associated with them for the past three years. They are very professional and polite in answering all our questions. I have complete trust in their suggestions. I strongly recommend for anyone. I am looking forward to have strong and successful association with them.
Google rating score: 4.4 of 5,
based on 61 reviews

Google Reviews

Jey S
Jey S
24. September, 2021.
I have been using Holistic Investment Planners for the last three years. Mr. Srinivasavaradhan answered all my questions and doubts very patiently during the first free consultation. I was able to clearly define my short-, medium- and long-term goals once I signed up for the comprehensive plan and got their investment plan suggestion to achieve my goals. They are very polite and highly professional whenever I contact them for any queries or make investments. They never pressurize you to invest on their recommended financial products. I would have been lost money by investing directly without their help since I do not have time and knowledge about different financial products. Risk planning is also done as part of financial planning. Truly, they are holistic planners when it comes to your financial planning. They help you to define your life goals, understand your financial resources and establish a plan to invest towards reaching those goals. They do review your plan as you progress to make sure that you are on correct path to achieve those goals. Kudos to the team and keep up the good work!!! I am happy that I found holistic investment planners for my financial planning and management.
aksaswadkar
aksaswadkar
24. September, 2021.
I was about to retire and really not understanding how to invest money to have financial freedom and fulfilling my goals. Was desperately searching on internet way out and fortunately came across Holistic Investment Planners. I read number of articles on their website and realized that this is the agency which I want and engaged their services for my retirement planning. It is an excellent experience to be associated with Holistic. Right from day one our interaction was fantastic and they gave me such a wonderful plan that I had never imagined. I am fortunate enough to be in the client list of Holistic. I have recommended Holistic to my friends as well.
Lionel Faber
Lionel Faber
16. September, 2021.
I've been availing their services for the past year. They are highly knowledgeable in the field and are very patient with all doubts and queries. Personalized financial planning is provided keeping your short term, medium term and long term goals in mind. They do not pressurize you to purchase schemes of their choice. They provide their input and suggestions and leave the decision up to you which shows their honesty and high principle.
Sridhar
Sridhar
8. September, 2021.
Financial planning brings peace in life. Holistic Investment have supported in arriving financial plan based on future goals. My investments are regular since then. They are professionals in their business, will recommend others.
Nitesh Agrawal
Nitesh Agrawal
6. September, 2021.
I have been using Holistic Investment Planners from last one year. The journey has been fantastic. Being a finance person myself I always thought we can look after and plan own finances also. However, due to lack of time and deciplain the things are not always as desired. After joining with Holistic Investment for the first time Icame to know the Financial goals and quantified them. Some dreams were unrealistic based on the earnings and savings so had a reality check. Also got the information and deciplain of investing on regular and more rewarding securities. I definetly suggest to use Holistic Investment Planners. They are professionals, available and hear youor full story before presenting plans. They are flexile in the sense if there are some urgent deviations required, they help to plan the same. For all professionals/individuals I would suggest using professional help of Holistic Investment Planners for best results in long term investment and financial goals achivements. Last advise will be to start early in your life. It really pays well to start in the beginning itself else the dreams needs to adjust :)
Swetha Vasanth
Swetha Vasanth
6. September, 2021.
This is my first year service with the Holistic Team and I would say that they are very much helpful in creating a financial plan and follow ups during the year. I would definitely suggest them if anyone who is willing to proceed with their savings professionally.
Joseph Mathias
Joseph Mathias
6. September, 2021.
I came to know about Holistic Investment Planners online while searching for different investment ideas. Once I contacted them the journey was very smooth. Mr. Ramalingam explained all the aspects of Financial planning in detail and it opened my mind. I realized how important it is to have a Financial planning. Mr. Rajan suggested all the requirements as per my goals and made a Investment plan keeping in mind of my goals. I started my Investment journey with them. I wish I had done it some years back then it would have been in a different level. Review meetings were held every six month to check the implementation of the plan and check the results as per the requirements and to check if any changes required. Overall it was a good experience with Holistic Investment team and would like to continue in the years to come.
Srinvas Kannan
Srinvas Kannan
30. July, 2021.
I came across Holistic investment planners almost 5-6 years back, but I did not have the trust since I had met a few of them who did not sound promising. Then I started investing through a financial advisor of my friend. After 4 years of investing the returns were very low. I was disappointed and started looking for financial advisors when I came across Holistic investment. I had a detailed discussion about my goals and the way they would approach achieving my goal before deciding to switch my investments to them. After a thorough analysis of my then existing portfolios, they suggested new ones and we zeroed-in on 6 schemes/funds where our investment would be split. I am glad I made the decision of switching over and taking Holistic planner's advise, my returns are handsome and I only wish I could have taken their help/advise 5 years back itself. Neverthless, I would like to recommend their services for investment and financial advise if someone is serious about their investments.
Shivaram Andiappan Selvaraj
Shivaram Andiappan Selvaraj
3. July, 2021.
I got a free first time consultation. I got my doubts resolved. They also gave additional advises for investment planning which was also useful.
Nellai B
Nellai B
26. June, 2021.
I have been associated with them for the past three years. They are very professional and polite in answering all our questions. I have complete trust in their suggestions. I strongly recommend for anyone. I am looking forward to have strong and successful association with them.
Google rating score: 4.4 of 5,
based on 61 reviews

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