Your money is in India.
You are somewhere else.

Outperfom, the NeoBank for NRIs, runs the tax, estate and remittance work that being an NRI quietly demands — and tells you, at every hour, whose move it is.

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01 — The distance

Nothing about it is hard. All of it is far away.

Mumbai--:--Your city--:--

No single piece of being an NRI is difficult. It is the distance that makes it expensive — a bank that opens after you sleep, a form whose name changed last year, a certificate someone must sign in a city you left.

  • A registrar who answers between 10:00 and 17:00 IST your 00:30
  • A form that was renamed in the new regime 15CA → 145
  • A certificate an accountant signs, once a taxable remittance passes ₹5,00,000
  • An assessment nobody outside the department can see weeks, not days
  • A deadline that does not care where you live 31 December

02 — The one question

Whose clock is it?

Every service we run is the same shape underneath: long work, mostly spent waiting. So there is one question, answered in three words, on every screen you will ever see.

  1. Needs you01 / 05

    You are the one holding it up.

    A signature, a document, a decision only you can make. These sort to the top, always — the one row that needs a human is never buried under four that do not.

  2. With us02 / 05

    It is on our desk, not yours.

    Drafting, computing, assembling. You will see who picked it up and when. Nothing here needs you until we say it does.

  3. With the institution03 / 05

    A bank, a registrar, an officer.

    Out of everyone's hands, including ours. We show you what was filed, when, and what the department itself publishes about the wait.

  4. Waiting on a date04 / 05

    Nothing is wrong. It is not time yet.

    A lock-in that ends in March. A quarter that has to close. The most misread state there is, so we name it rather than leave it looking stalled.

  5. Settled05 / 05

    Closed, with the paper to prove it.

    Filed, credited, registered. The documents stay in your vault whether or not you stay with us.

03 — Honest timelines

No made-up percentages. Just what can be checked.

Nobody outside the tax department can see inside an assessment, so a progress bar would be invented. We show you three facts instead: the day it was e-verified, how long it has been, and what the department itself publishes about the wait.

Example case · Refund claim · as of 9 September 2026

E-verified on 21 August

19days since e-verification

  • So far
  • Usually 4 to 5 weeks, in the department's own words
  • After that, we start chasing

What this screen says today“E-verified, and inside the usual window. Nothing needs you.”

A refund is processed only after the return is e-verified, and the department says it usually takes 4 to 5 weeks from there. Read 16 September 2026 from its refund status manual. That is what it publishes, not a promise anyone can make about one case.

What we tell you, week by week

  1. Week 1–4Early, running normally“E-verified, and running normally. Nothing needs you.”
  2. Week 4–5Inside the usual window“This is the part the department calls usual. We check it every week and will tell you when that changes.”
  3. Week 5+Past that window“This is past the window the department describes. You will see what we raised on it, and its reference.”

04 — What you hear about

The boring events are the product.

Through a wait measured in weeks, silence and neglect look identical. So we publish the small movements of real work, with the name of whoever did them.

Today, 09:14 ISTYour relationship manager opened your file.With us
YesterdayThe bank acknowledged the A2 declaration.With the institution
2 SepYour CA countersigned the 146 certificate.With us
29 AugForm 145 filed. Acknowledgement stored in your vault.Settled
27 AugWe need your passport's address page.Send the page (example)Needs you

05 — What we run

Nine services. One case model.

They are rows, not cards, because they are the same kind of thing and you should be able to compare them down a single column.

The vault

We already have your passport.

We hold the real documents. That is what turns the next case into three fields instead of thirty, and why you are never asked twice.

  • Passport — address pageVerified
    Held since 12 Mar 2026 · used by 4 cases
  • Form 146 — CA certificateSigned
    Countersigned 2 Sep 2026 · remittance case
  • Form 145 — acknowledgementFiled
    29 Aug 2026 · stored automatically

Three of the eleven documents on your file. You uploaded none of them twice.

06 — Who is on the other end

One person who knows you. You never explain yourself twice.

A relationship manager owns the relationship. Specialists attach to individual cases, with their credential on the row, briefed from your file — so every conversation starts at the question, not the background.

Your relationship manager

One person, the whole file

Yours from the first call. Owns every case on your file, and is the one who tells you when something has gone quiet.

09:30–18:30 IST
00:00–09:00 your time

Tax

Chartered accountant

Attaches to the cases that need a certificate signed. The membership number sits on the case row, not in a footer.

Attached to 2 open cases

Banking operations

NRO, NRE, remittance

Knows which desk at which bank actually moves a declaration, and what that bank publishes about its own timing.

Attached to 1 open case

Regulatory and legal

Succession, FEMA

Brought in for wills, cross-border succession and the rules that decide what may leave the country and when.

Attached to 1 open case

Portraits are illustrative

If you are in New York, a 09:30 IST working day renders as 00:00 your side. The booking screen says so, and flags a slot as unsociable before you take it — which is the entire reason it shows both clocks.

07 — The rules underneath

These are not our numbers. They are the ones we work against.

$1,000,000
The most you may repatriate out of an NRO account in a financial year.
Annual ceiling
182
Days in India in a tax year: one limb of the residence test, not the whole of it.
One of several tests
₹5,00,000
Above this, a taxable remittance needs an accountant's certificate in Form 146 — or an Assessing Officer's certificate instead.
Form 146 threshold
₹1,25,000
Exempt equity long-term gains before anything is owed.
LTCG exemption

Names changed in the new regime and most search results have not caught up: 15CA is now 145, 15CB is 146, and Form 10F is 41. The application for a lower or nil withholding certificate is Form 128, and the provision moves from section 197 to section 395(1). From tax year 2026–27 the annual information statement is issued as Form 168. Form 67, under the older rules, is how a resident of India claims credit for foreign tax — as an NRI you claim credit for Indian tax on your own country's return, which is a different form in a different country.

How residence is actually tested

182 days in the tax year is one limb. A stay of 60 days in the year together with 365 across the four before it counts too, read as 120 days for a visiting citizen with more than ₹15 lakh of Indian income. A deemed resident is taxed whatever the day count says. And residence decides what India may tax: what your own country taxes is decided there, and by the treaty between the two.

Read on 16 September 2026 from the department's non-resident FAQ, and its Form 145 and Form 146 manuals. Nothing here is advice on your own case.

Let us take the clock off you.

Open an account, tell us where you live, and the first thing you will see is a list of what actually needs you — which is usually shorter than you fear.

Open an account Read the guides

Both buttons leave this demo for perccent.com, where accounts are opened today. The work described on this page is not a sign-up you can complete here yet.

Perccent prepares, computes and drafts; you sign and file. We do not act under a power of attorney. Mutual fund investments are subject to market risks — read all scheme-related documents carefully. Figures shown are illustrative and reflect published thresholds current as of September 2026.