🇮🇳 The independent NRI money guide

Smart money decisions for non-resident Indians.

Independent guides, live data, and tools for the NRI money decisions that actually matter. Banking. FX. Credit cards. GIFT City. Investing. Moving back. No paid placements on editorial picks.

Live · today

Live money transfer rates to India.

Compare Wise, Remitly, XE, BookMyForex and your bank — side by side. See exactly how many rupees your transfer delivers, before you send.

Compare 8 providers →
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Banking

Compare 8 NRI banks · NRE / NRO / FCNR

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$ ₹

Send money home

Live rates · 8 providers compared

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Credit cards

Best NRI cards · HDFC, Amex, Chase

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Investing

Stocks, MFs, startups, property

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GIFT City IFSC

USD FDs · +75 bps over FCNR

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Insurance

Health, term, visitor (parents)

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Moving back

OCI, RNOR, banking, brokerage

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Startup Scorecard

Score any deal in 8 minutes · free
Best USD-INR route Wise · 0.45% above mid Best NRE FD IDFC First · 7.40% GIFT City IBU vs FCNR +75 bps See the full FX Cost Index →

Browse by category.

Every page is a complete answer. Click any category to see what's there.

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Money
FX, banking, credit cards, insurance, GIFT City, receiving payments.
FX Compare FX Cost Index NRI Banking (NRE/NRO/FCNR) Credit Cards for NRIs GIFT City IFSC Insurance
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Invest
Property, stocks, MFs, startups. SEBI / FEMA rules and the reality.
Live Opportunities Property in India Stocks & Mutual Funds Startup Investing ★ Startup Scorecard 10 famous startups, scored
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Lifestyle
The India you can't Google. Bars, treks, weddings, festivals, gifts.
The NRI Guy Travel in India Indian Weddings Medical Tourism Send Gifts Seva & Charities
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Tools
Calculators and selectors. Free, no signup. Score a deal in 8 minutes.
Startup Scorecard Bank Account Selector Credit Card Selector Insurance Selector Repatriation Check Day Counter
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Guides
Long-form playbooks. Moving back, FATCA, repatriation, startup investing.
Moving Back to India NRI Bank Accounts NRO Repatriation FATCA / FBAR NRI Credit Cards NRI Startup Investing
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Q&A · 20 answered
Reddit-sourced NRI questions, plain-English answers. New every week.
PFIC + Indian mutual funds (US) FCNR vs GIFT City IBU Is angel tax still applicable? Capital gains on startup exits 401(k) when moving back All 20 answered →
A
Built by

Amish Kapadia, CFA

28 years on Wall Street: Citibank, FHLB Boston, Sanwa, JP Morgan, Barclays, Nomura. Moved back to Mumbai in 2023 and built this site from the questions I couldn't get good answers to. Independent. No bank partnerships. No paid placements on editorial picks. Affiliate disclosures live on every page that has them.

28 years on Wall Street CFA charterholder Moved back 2023 20 Q&A answered 10 startups stress-tested

Two newsletters. Pick one or both.

The bi-weekly Money Matters digest covers FX, policy, opportunities, FD rates and a reader question. The weekly NRI Guy Monday is the lifestyle side — bars, treks, weddings, gifts.

Bi-weekly · Wednesdays
Money Matters
FX corridor moves, Indian policy changes, live investment opportunities, FD/IBU rates, reader question. 4-minute read.
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Weekly · Mondays
NRI Guy Monday
The lifestyle dispatch. Bars, treks, festivals, restaurants, weddings, gifts — the India you can't Google.
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