A Revolutionary and Reliable Solution for NRIs, PIOs, and OCIs.
"We provide simplified and sustainable financial services globally."
Where Every Customer Matters
Taxation
Cross-border taxation transactions are complex and identifying laws between two countries is crucial. Of course, You don’t want to file your incorrect tax returns leading to notices and penalties from tax authorities.
Our tax experts, with strong knowledge and in-depth experience in international taxation laws, are there to help you make your tax journey easier and quicker. We help you file your income tax returns, GST compliances and save your taxes. Oh yes! We also assist you in repatriating funds and tax-saving ideas between India and your country of residency.
- BAS & IAS preparation & lodgement (Australia)
- Company tax return (CTR) & FBT (Australia)
- GST, Income Tax, TDS (India)
- Apply for a lower TDS certificate and reduce your tax liability
- Advice on Double taxation avoidance agreements (DTAA)
- Repatriate Indian funds and apply for 15CA & 15CB
- Tax planning and structuring
Consulting
With more than 15+years of experience in business and financial management, we provide a holistic view of your business and finances, ensuring effective management of both. We offer expert consultation on business setup, cross-border financial planning and many other areas, enabling you to focus on expanding your business and creating value for your stakeholders.
- CFO and Business Advisory
- Financial planning and analysis
- Budgeting and Forecasting
- Financial modelling and Valuation
- Cash flow management
Accounting and Auditing
We understand that running a business in Australia comes with its own unique challenges — from navigating the ATO’s compliance requirements to managing MYOB, BAS lodgements, and superannuation obligations.
ArthaX Fintech LLP, with our exclusive Strategic partner, Thriving Growth Advisory, led by CAs offer you a truly local-feel service backed by the cost advantages of a skilled Indian CA and an Australian CPA team.
- Bookkeeping & Accounts
- Payroll processing
- MYOB & Cloud accounting
- Financial analytics
- Transfer pricing compliance
- Business incorporation & registration
- SMSF account setup
Meet our Tax Experts and Financial Consultants
Mr. Viswanathan Narayanaswamy (Vishy) is a seasoned Chartered Accountant with over 25 years of experience in auditing, tax, and accounting across India and Australia. He holds memberships in the Institute of Chartered Accountants of Australia and New Zealand, the Institute of Chartered Accountants of India, and The Tax Institute, and he is a registered tax agent with the Tax Practitioners Board. Vishy specializes in Double Taxation between India and Australia, tax advice for small businesses, Discretionary Family Trusts, SMSF, and Not-for-profits. He serves as a Board member for Rare Voices Australia (RVA) and The Sydney Blood Cancer Research Institute (SBCRI), overseeing their financial, tax, and regulatory compliance. In his personal life, Vishy is passionate about Mysuru-style Ashtanga Yoga and is learning the primary series.
Viswanathan Narayanaswamy (Vishy)
An experienced Chartered Accountant with 5+ years of experience in accounting, auditing, direct & indirect tax advisory, GST litigation and compliance management exclusively for Small and Medium businesses. He holds memberships of The Institute of Chartered Accountants of India and is known for resolving complex direct and indirect taxation issues for companies. He is also one of Co-Founders of Thriving Growth Advisory, providing end-to-end solutions for India and Australia accounting, bookkeeping and tax services.
Nikhil Shah
He is a Chartered Accountant and law graduate with deep experience in taxation, audit and corporate compliance. His expertise spans across GST, income tax, statutory audits and ROC compliances. He is a Bachelor of Commerce and holds memberships of The Institute of Chartered Accountants of India. He is also Co-Founder of Thriving Growth Advisory, providing end-to-end solutions for India and Australia accounting, bookkeeping and tax services.
Uttam Jain
He is a Chartered Accountant, law graduate and CPA Australia with in-depth knowledge and experience in MYOB, Xero, QuickBooks, BAS and STP. He is also an expert in cross-border financial structuring with deep knowledge of both India and Australian accounting and reporting structure laws.
Prasham Bhandari
FAQ's
Giving you the control, observability, and flexibility you need to build your card program, your way.
Am I eligible for a VA Loan?
VA loan eligibility is service-based. Some contributing factors taken into consideration include:
- Your service status, e.g., active duty, separation
- Your years of service, and
- Your service record
The VA provides detailed eligibility guidelines outlining who qualifies for veteran’s benefits. You may meet eligibility requirements if you are:
- A current active duty military service member,
- A military veteran, or
- The spouse (including surviving spouse) of a service member
Eligibility is proven through a Certificate of Eligibility (CoE) from the U.S. Department of Veterans Affairs. It’s not required to apply for a loan but will be needed before approval. We can help you apply for a CoE or you can apply for it directly through the VA’s benefits portal online or by mail.
How much does the VA funding fee cost?
The amount of the one-time VA funding fee varies depending on your situation, such as your down payment amount and whether this is your first VA loan. For a VA purchase loan, the fee can range between 1.4% to 3.6% of your loan’s value. If you choose to later refinance your VA mortgage, the VA Interest Rate Reduction Refinance Loan has a fee of only 0.5%.
There are exceptions to paying the funding fee, including Purple Heart recipients, certain surviving spouses of veterans, and veterans with service-related disabilities. It can also be paid upfront or rolled into your loan to be paid over time.
Can I use VA benefits to purchase a home more than once?
You’ve earned these VA mortgage benefits and they are available to you as long as you meet the eligibility criteria. You may qualify for a VA loan for your first home purchase and may then qualify again for each home you buy in the future.
You can even use your CoE to qualify for two VA mortgage loans at one time. Your full eligibility is completely restored after a VA loan is paid off or sold.
There are also convenient and affordable options to refinance a current VA loan to help make your home expenses more affordable by getting a lower interest rate or adjusting mortgage terms.
What are the minimum property standards a home must meet for a VA loan?
The VA sets minimum property standards that each home must meet to ensure that the property is a good investment for the home buyer, the lender, and the VA. To determine if a home meets these standards, an inspection will be required.
These standards ensure that the home is safe, structurally sound, and sanitary
Factors considered could include the condition of a house’s roof, electrical, and heating, for example, but do not include cosmetic features.
Is there a maximum amount I can borrow with a VA loan?
The VA does not have a specified loan limit. At River City, you can borrow as much as you can otherwise qualify to purchase. If you would prefer the option for no down payment, the maximum loan amount for 100% in most areas is up to $548,250. You could potentially borrow more with no money down in a higher-cost area.
Mr. Ishan Parikh, a Chartered Accountant and law graduate with over 20 years of experience, specializes in international taxation, auditing, and advisory services. He has worked with Fortune 500 companies like Tata and Siemens, offering expertise in taxation and management consulting. An Associate Member of ICAI, he excels in resolving complex tax challenges for diverse clients. Currently, he serves as a Professional Director at The United Co. Op. Bank Ltd., Ahmedabad, providing strategic guidance and leadership.
Ishan Parikh Chartered Accountant & Consultant