What is Oversea early access?

Oversea is the AI wealth manager for NRIs. Designed for your wealth across borders. Get early access and receive 3 months of Pro free.

Who is Oversea designed for?

DESIGNED FOR NON-RESIDENT INDIANS. Designed for your wealth across borders.

What can Oversea AI do for me?

Ask Oversea AI about a goal, such as “I'm 34. Can I retire at 55 and move back to Kochi?” or “Riya is 4. How much do I need for her university abroad?”. It works out the number, proposes a plan and acts only once you approve, then keeps watching it. It also reaches out first, for example: “Your parents' health cover renews in 21 days. It may not be enough.” and “Your emergency fund covers 1.6 months of expenses. Let’s fix that.”.

What do early access members get?

Early members get 3 months of Pro free.

How do referral rewards work?

GET ₹1,000 PER FRIEND WHO INVESTS. Share your link → a friend signs up → you both get ₹1,000. When a friend signs up and invests via Oversea, you both get ₹1,000 each as rewards. There is no limit to the number of friends you can refer.

Oversea — AI Wealth Manager for NRIs in the Maldives

Cross-Border Intelligence

You don't have tokeep track of it all yourself.

No more juggling apps or keeping spreadsheets up to date. Oversea brings it all together, and lets you know the moment something needs you.

Unified View

Manage everythingin one place.

Investments, insurance and savings accounts in one view, whether opened through Oversea or already held elsewhere.

Proactive reminders

We remind you beforeit costs you.

Renewals, filings, rate moves and deadlines across India and abroad — flagged early, with the next step already worked out.

RENEWAL · 14 NOV

Parents' health cover renews next month.

Renew on time to keep your no-claim bonus and waiting periods you've already cleared.

TAX · 38 DAYS

Your ITR is due soon.

4 of 6 documents are in. Your plan covers the filing.

MONEY HOME

The rupee moved 2.1% this week.

Here's what it means for your transfer home.

IDLE CASH · DAY 212

Your NRO balance hasn't moved since March.

Liquid funds would keep it reachable and earning.

FD · 3 DEC

An FD matures in five weeks.

It will auto-renew at a lower rate than you could get today. Compare before it does.

RESIDENCY

41 days in India so far this year.

You're comfortably NRI. We'll tell you if that changes.

TAX

Your FD interest in India is taxable.

We've worked out what you owe.

IDLE CASH · DAY 212

Your NRO balance hasn't moved since March.

Liquid funds would keep it reachable and earning.

FD · 3 DEC

An FD matures in five weeks.

It will auto-renew at a lower rate than you could get today. Compare before it does.

RESIDENCY

41 days in India so far this year.

You're comfortably NRI. We'll tell you if that changes.

TAX

Your FD interest in India is taxable.

We've worked out what you owe.

In-chat execution

Ask once.We'll take it from there.

File your taxes, get bank account assistance, renew your family cover. AI handle the routine, humans handle the rest — and nothing moves until you approve.

9:41

File my ITR for this year.

Human in the loop

A real person,one message away.

Message your personal human advisor on WhatsApp or book a video call, to talk a decision through or have them handle it for you.

9:41

Athira Udayanonline

Why we're building Oversea

I grew up surrounded by families whose lives were shaped by someone working overseas. They earned well. They saved what they could. And still, many ended up with less wealth than they should have — not because they didn’t try, but because they did it without the right guidance. Earning well isn’t the same as building wealth.

We are building Oversea to change that — so that Indians living overseas can build and manage their wealth across borders with clarity.

— Zakhil Suresh, Founder & CEO of Oversea

Frequently Asked Questions

Oversea is an AI wealth manager for Indians living abroad. It brings your money in India and abroad into a single platform with a personalised plan, reminds you before anything costs you, and gets things done — investing, renewals, filings — with AI and a team of humans working together.

Assets are held by regulated brokers and custodians in your own name. You can always access it directly without Oversea as well.

Oversea is a technology platform. Investments, insurance and savings products are provided by licensed partners, who are regulated for respective activities.

At launch, we only support investments and policies made via our partner platforms. Gradually we will add support for accounts you already hold at other banks, insurers and brokers — including statements and direct connections — so that you can manage it all from a single place.

Oversea is available for all NRIs worldwide.

Oversea is free to start. Pro plan is $10 a month and includes proactive reminders, in-chat execution, personalised goal management, and more. Full details to be published soon.

Yes, you can contact your dedicated human advisor anytime on WhatsApp or schedule a video call directly via Oversea App.

Oversea is being built by an experienced team of fintech professionals with deep experience in cross-border finance, wealth and artificial intelligence. You can learn more on the About us page.

Got more questions?

Drop us a message on WhatsApp and we will get back to you as soon as possible.

WhatsApp Us

Be among the firstto experience it.

We are gradually rolling out access to more users.

AI Wealth Managerfor NRIs in the Maldives

You don't have tokeep track of it all yourself.

Manage everythingin one place.

We remind you beforeit costs you.

Ask once.We'll take it from there.

A real person,one message away.

Why we're building Oversea

Frequently Asked Questions

What is Oversea?

Who holds my money?

Is Oversea regulated?

Can I link accounts I already have?

Where is Oversea available?

What does it cost?

Can I talk to a human advisor?

Who's behind Oversea?

Be among the firstto experience it.