Every service begins with your goals, not our products. We organise our advisory work across six service areas — each designed to address a specific dimension of your financial life.
Turn income into lasting wealth through thoughtful planning, disciplined investing and a long-term strategy aligned with your goals.
Building wealth is not about finding the next high-return investment. It is about creating a structured, repeatable system that works across market cycles, life events and income changes.
Prepare for life's uncertainties with a structured approach to risk management, protection planning and financial resilience.
The single most underestimated risk in personal finance is not a market crash. It is the absence of a plan when life does not go as expected — a health emergency, sudden loss of income, or a liability that erodes wealth.
Preserve and pass on wealth across generations through thoughtful legacy planning, estate readiness and wealth transfer strategy.
The third — and often neglected — dimension of wealth management is what happens to wealth when it needs to move. Into retirement. Across generations. To the next steward.
Navigate cross-border wealth with clarity — from India portfolio management and repatriation planning to family financial priorities.
Managing wealth across borders is uniquely complex. NRIs typically hold assets in multiple jurisdictions, navigate different tax regimes, and face decisions about repatriation or return.
Make better financial decisions through structured reviews, portfolio assessments and objective advice on significant financial choices.
Should you exercise your ESOPs now or wait? Is your current portfolio positioned for the next phase of your life? These are not questions that require a product — they require structured thinking.
Helping founders and entrepreneurs build personal wealth beyond their business — and prepare for what comes next.
Founders are among the most financially complex clients. Their income is irregular. Their wealth is often concentrated in a single illiquid asset — their company. Their time is consumed by the business.
Common questions about our services and approach.
Goal-based financial planning starts with your specific life goals — retirement at a certain age, a child's education, a home purchase, a business transition — and works backward to build an investment and savings strategy designed to reach those goals. It is more personal and structured than product-driven investing.
Asset allocation is determined by your risk tolerance, investment time horizon, income stability, liquidity needs and financial goals. At Kubera Capital, this is done through a structured discovery process before any investment recommendation is made.
A financial plan should be reviewed at least annually — and additionally whenever there is a significant life event such as a job change, business exit, marriage, the birth of a child, inheritance, or a major market shift.
When ESOPs are exercised in an unlisted company, the difference between the Fair Market Value (FMV) and the exercise price is taxed as a perquisite — added to salary income for that year and taxed at the applicable income tax slab. On subsequent sale, capital gains tax applies based on holding period and listing status.
When an NRI returns to India and becomes a resident, NRE and FCNR accounts must be redesignated as resident accounts within a stipulated period. Existing NRE term deposits can be held until maturity at the contracted interest rate. A returning NRI should plan this transition carefully to avoid tax complications.