All money guides — 10 deep-dives.
Updated May 2026
NRE/NRO/FCNR accounts. Credit cards. Investing in India. Startup investing. Rupee FX. FATCA. Tax residency. NRO repatriation. Moving back.
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Moving back to India
OCI · banking · tax · housing · health⭐ FEATURED · The flagship · 25-min read
The complete NRI return — OCI, banking, tax, housing, daily life.
The full playbook for NRIs moving back to India. OCI, Transfer of Residence, banking switch, RNOR tax window, housing, healthcare and the honest year-one reality.
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FX & transfers
Sending money home · reading the spread⭐ Start here · 10-min read
How to send money to India — and keep more rupees.
How transfers actually work, what every fee means, and why your bank is almost certainly the worst option. Wise, Remitly, XE, WorldRemit and bank wires compared.
UPI for NRIs — 5 routes to pay in India from abroad
Unified Payments Interface works at 80%+ of Indian merchants vs ~40% for foreign cards. NRO + UPI direct, SBNRI, NPCI International, Indian SIM, bank-app — picked apart and ranked.
Wise vs Remitly vs banks — corridor scorecard
USD/GBP/AUD/AED → INR. Effective rates, hidden fees, who wins each corridor and what really separates them.
FX Cost Index — weekly benchmark
8 providers, 6 corridors, refreshed every Monday. How much each one really costs vs mid-market, side by side.
Move NRO funds overseas — Form 15CA, 15CB & A2
The forms stack, USD 1M limit (not LRS), inherited PPF/FD rules, CA fees and the mistakes that send you back three times.
Rupee FX — what just happened and what's next
Monthly read on USD/INR. Where it is, what moved it, what next quarter looks like for NRI cash flows.
Pros & cons of every FX provider an NRI will use
Wise, XE, Remitly, Xoom, Instarem, Revolut, LuLu, Western Union — what each is good at, where it breaks, the hidden gotchas, and a by-use-case pick list.
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Banking
NRE · NRO · FCNR · RFC⭐ The canonical guide · 15-min read
How to open an NRI bank account in India.
Which account you actually need, how to open one online without visiting India, repatriation rules and what happens when you move back.
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Credit cards
Foreign cards in India · Indian cards worth holding⭐ The comparison · 10-min read
The best credit card for India travel and lifestyle.
Which US and Indian cards give the best value for NRIs — no foreign-transaction fees, lounge access, Air India miles and cards that actually work at Indian merchants.
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Insurance
Health · senior parents · term life · travel⭐ Start here · 10-min read
Insurance for NRIs — what you actually need.
Senior parents in India, your own health coverage, term life via India (cheaper), travel + visitor cover — what NRIs need vs what they're sold.
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Investing
Property · stocks · MFs · startups⭐ Start here · 12-min read
How to invest in India as an NRI.
Property, stocks, mutual funds and startups — what the rules allow, where to start and the one account you need before you can do any of it.
How to invest in Indian startups as an NRI
Angel platforms, SEBI-regulated AIF funds and communities — from ₹5,000 on Tyke to LP positions in top VC funds.
Investing in India as a non-OCI foreigner
FPI route, GIFT City IFSC, mutual funds, startups, FX angle, property restrictions, tax — end to end.
Investing in India as a US person — PFIC & compliance
Every route ranked for US citizens & green-card holders, plus the IRS forms each one triggers: PFIC, Form 8621, FBAR, FATCA, and the legacy mutual-fund cleanup.
UK-NRI investing — what to keep, liquidate, and when
ISA, SIPP, LISA, UCITS, the post-2025 IHT trap, and exactly what to do with each wrapper if you move back to India.
UAE-NRI investing — what to keep, liquidate, and when
TRC, the offshore-product trap, AED-USD peg risk, Section 6(1A) deemed residency, end-of-service gratuity, and the move-back sequence.
EU-NRI investing — what to keep, liquidate, and when
Germany (Riester/Rürup), Netherlands Box 3, France PEA, Ireland, Nordic exit tax — pension-by-pension exit treatment + the Form 10EE gap for EU pensions.
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Tax & compliance
FATCA · FBAR · residency · DTAA⭐ The compliance map · 12-min read
How your taxes are affected when you have money in India.
Your Indian bank is already reporting your accounts to the IRS. What they send, what you still need to file yourself, and the penalties for getting it wrong.
How to know if you're an Indian tax resident
The 182-day and 120-day rules, how arrival/departure days are counted, and why one delayed flight can change your tax year. With day counter.
Tax — CPA-simple, your year without the jargon
When to file in India, when in your home country, RNOR window, DTAA basics — written so it actually makes sense.