Lifeline : Monthly Newsletter : February 2026











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Are NRI Clients Exempt from Paying Capital Gains Tax in India?

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  Non - Resident Indians (NRIs) often invest in Indian Financial instruments like Mutual Funds and Stocks. However, the Tax Treatment of Capital Gains depends on their country of residence and whether india has a Double Taxation Avoidance Agreement (DTAA) with that country. Here's breakdown of how NRIs can benefit from tax exemptions. Key Points About Capital Gains Tax for NRIs : 1. Exemption for NRIs Residing in DTAA Countries NRIs residing in countries that have a DTAA with India (e.g., UAE, Singapore, Mauritius) are exempt from paying capital gains tax on Mutual Fund Investments Structured as Trusts. The capital gains tax is levied only in the NRI's country of residence rather than India. 2. Tax Residency Certificate (TRC) is Mandatory To avail of DTAA benefits, NRIs must submit a valid  Tax Residency Certificate (TRC) issued by their country of residence.  The TRC serves as proof that the individual qualifies for DTAA based tax exemptions. 3. Applicability of DTAA Ben...
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Building Your Child’s Education Fund: A Smart Mutual Fund Guide (2025)

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India’s economy continues to be one of the fastest-growing in the world. Despite global uncertainties, the Indian stock market has shown remarkable resilience, with the Nifty 50 and Sensex touching new all-time highs in 2025. Let’s look at what’s driving this growth and what it means for investors like you.   🔍 Current Market Snapshot (as of July 2025): Nifty 50: ~25,204.10 ( ▲ ~0.48% YoY) as on 15 July 2025 Sensex: ~82,617.02 ( ▲ ~0.44% YoY) as on 15 July 2025 India’s GDP Growth (FY24-25): Estimated at 7.5% – among the highest globally Inflation: Currently around 3.34% – within RBI’s target FII Inflows: Foreign investors remain bullish on India đź“Š Key Drivers Behind the Growth: Robust Domestic Consumption: The Indian middle class is growing, driving strong demand across sectors like FMCG, autos, and housing. Government Reforms: Policies like the PLI (Production Linked Incentive) scheme, Make in India, and infrastructure investments are creating ...
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Rupee’s Performance in Global Market – Should Investors Worry?

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  The Indian rupee has been facing significant volatility in recent months, driven by a combination of global and domestic factors. With foreign portfolio investors pulling out over $11 billion  in 2025 and the U.S. dollar strengthening, the rupee has depreciated notably. Forecasts suggest that the rupee could touch 88 against the U.S. dollar  in the next six months. While the Reserve Bank of India (RBI)  is intervening with a $10 billion dollar-rupee swap on February 28 , the big question remains: Should investors be concerned, or is this an opportunity? Why Is the Rupee Depreciating? Several factors have contributed to the rupee's recent decline: 1. Foreign Portfolio Outflows Foreign investors have been withdrawing funds  from Indian markets, redirecting capital to economies offering better risk-adjusted returns, such as China and the U.S. These massive outflows put pressure on the rupee, leading to depreciation. 2. Strengthening of the U.S. Dollar ...
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