Built by someone who proudly came home.

FinDrishti started with one person’s tax return — and a problem that turned out to belong to thousands of people quietly carrying the same worry every July.

Coming home, with foreign assets in tow

After several years working abroad, the founder did what a growing number of Indians are choosing to do: came back home. Not because the opportunities elsewhere ran out, but because there was something worth building here. You return with more than memories, though — you return with a US brokerage account full of vested RSUs, an ESPP position, a 401(k), a US bank account that hasn’t been closed, and, increasingly, a habit of investing directly in foreign stocks that doesn’t stop just because you’ve changed time zones.

Then the first Indian tax season arrives, and with it Schedule FA — the foreign-asset disclosure that ITR-2 and ITR-3 require of every resident who held anything overseas during the year. And it asks for numbers no foreign statement was ever designed to produce: the peak value of each holding on its highest single day, the closing value on 31 December, the initial cost per acquisition lot — each converted to rupees at the SBI TT rate of that specific date, on a calendar year that isn’t even India’s financial year.

A problem shared by thousands

The more the founder talked to friends and former colleagues, the clearer it became that this wasn’t a personal quirk. It’s the shared reality of a whole cohort of Indians:

Returning NRIs unwinding years of overseas accounts. Employees of global companies — in India right now — who are paid partly in RSUs and ESPP stock of a US or European parent, and are therefore foreign shareholders whether they think of themselves that way or not. And resident investors who use the LRS window to buy foreign stocks directly. Every one of them owes an accurate Schedule FA. Almost none of them had an honest, first-principles way to produce one.

The idea: read the statements, show the math

FinDrishti is the tool the founder wished existed on that first return-home tax season. You give it the statements you already have — any US institution, any layout, quarterly or annual. It rebuilds every holding day by day, reconciles overlapping documents, computes each figure Schedule FA asks for, and — this is the part that matters — shows you the source and the arithmetic behind every single number. Nothing is a black box. You can trust it because you can check it.

We’re deliberate about what FinDrishti is not. It is not a filing service, not a Chartered Accountant, and not a SEBI-registered adviser. It doesn’t file your return. It is the input layer — the part that turns a shoebox of foreign statements into a Schedule FA you and your CA can rely on.

Something good for home

There’s a quieter reason this exists. Coming back to India was a choice made with some pride — a bet that you can do meaningful work from here, for people here. FinDrishti is a small piece of that: taking one genuinely stressful, easy-to-get-wrong part of coming home and making it something you can face with confidence instead of dread. If it saves even a few thousand honest filers from a penalty they never deserved, it will have been worth building.