Case study 1
Sale proceeds sitting in India while the paperwork was assembled
The flat had been sold before anyone asked what would happen to the proceeds. They sat in India while the client, by then living abroad, waited. The delay was not resistance from the bank. It was that nothing in the file showed how the asset had been acquired, what had been withheld on the sale, or which account the money belonged in. We built that record from the purchase documents forward, settled the Indian position on the sale, and obtained the certification the bank required. The engagement produced a documented chain from acquisition to balance, and a transfer the bank executed on the file.
Case study 2
A mixed balance that no one could split by origin
Years of credits had gone into one account: money sent from abroad, rent, a maturing deposit and a share of a family settlement. When the client asked to move the balance, the bank could not tell what it was holding and neither could she. The work was to take the statements apart, attribute every material credit to a source, and evidence each with the original advice or document. The engagement produced a credit-by-credit origin schedule, a restructured set of accounts so the two kinds of money would not mix again, and a transfer of the portion whose origin was established.
Case study 3
Rental income moved abroad on a repeatable annual footing
The client let a property in India and wanted the rent to reach him where he lived, without a fresh negotiation every year. The obstacle was that each transfer needed the Indian filing position and the certification behind it, and these had always been left until the money had already accumulated. We put the year in order instead: deduction records reconciled as they arose, the Indian return filed on the correct basis, certification obtained on the settled figures. The engagement produced a repeatable annual sequence, and transfers that went through on documents rather than on correspondence.
Case study 4
An estate divided among beneficiaries in different countries
An Indian estate was to be divided among beneficiaries who lived in different countries, each with a different status under the exchange-control law and a different tax position at home. Treating them as one group would have produced the wrong answer for most of them. We took each beneficiary separately: status, permitted account, what the estate documents showed about their entitlement, and what their own country would want to see. The engagement produced a documented position for each beneficiary and transfers that went out individually, each on its own evidence.
Case study 5
Transfer planned before the asset was sold
The client came to us while the property was still unsold, which is the point at which this work is cheap. The questions were what would be withheld on the sale, which account the proceeds should reach, what certification the bank would want, and what the purchase and title documents would need to show. We answered them in advance and listed the documents to assemble before completion. The engagement produced a plan the client followed through the sale, and proceeds that moved out of India without a hold, because the file was complete on the day the money arrived.
Case study 6
A gift from a parent in India that would not move
A parent in India had given money to a client living abroad, and it would not move. The gift itself was not in question. What was missing was evidence of where the parent’s money had come from, which account the gift had been made into, and how the recipient’s own status affected what that account could do. We documented the source, corrected the account, and set out the position for the bank in a single file. The engagement produced an evidenced gift and a transfer, in place of an explanation the branch had twice declined to accept.
Case study 7
A Canadian Working in the US on a Work Visa
Immigration status and tax residence are different tests, and a visa says nothing about which country taxes the salary. The file fixes residence, applies the employment article, and sequences the two returns so the credit lands where it is usable.
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Case study 8
Withholding Reduced by the Right Article
Dividends, interest and royalties each have their own article and their own rate, and the payer applies whichever it is satisfied of. Establishing entitlement before payment is what secures the lower rate at source.
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