🇮🇳 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 →
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 →
⭐ Why NRIs trust NRI Money Matters

Built by an ex-Wall Street NRI — independent, no paid placements.

28+
Years on Wall Street
Citi · JPM · Barclays · Nomura
100+
Pages of NRI-only content
banking · cards · tax · invest
10
Famous startups stress-tested
Byju's · Paytm · Zomato · CRED
0
Paid placements ever
full editorial independence
What we're committed to ✓ No bank partnerships ✓ Affiliate disclosures on every page ✓ Built in India · for NRIs everywhere ✓ Weekly content updates
🧰 Free tools, no signup

Calculators & selectors that actually work.

No email capture. No "register to see results". Just the math, the recommendations, the forms list — same tools I use myself.

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⭐ Featured Tool

Startup Scorecard

Score any startup deal in 8 minutes.

Drop in revenue, burn, runway, LTV/CAC, cap table. Get a weighted RED/AMBER/GREEN verdict with sector-aware benchmarks. Validated on 10 famous Indian startups (Byju's, Flipkart, Paytm, Zomato, Ola, Swiggy, Nykaa, Zepto, CRED, Zerodha) — 10/10 expected matches.

✓ 8 minutes ✓ No signup ✓ Sharable URL ✓ PDF download
Score a deal →
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Live

Bank Account Selector

5 questions → matched to NRE/NRO/FCNR + 2-3 best banks for your situation.

Match me → 60 sec
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Live

Credit Card Selector

Match to 2-3 cards across Indian + foreign sides — by spend pattern + fee tolerance.

Match me → 60 sec
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Live

Insurance Selector

7 questions → ranked list of insurance you actually need. Plus what you can skip.

Match me → 90 sec
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Live

FX Compare

Live rates: Wise, Remitly, XE, BookMyForex, banks. Actual rupees delivered.

Today's rates →
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Live

NRO Repatriation Check

Get the forms list (15CA, 15CB, A2) + destination notes BEFORE the bank visit.

Run the check →
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Live

NRI Day Counter

182-day rule + RNOR window. Know your tax-residency bucket before March 31.

Calculate now →
🧰 See all 8 tools →
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.
Subscribe →
Weekly · Mondays
NRI Guy Monday
The lifestyle dispatch. Bars, treks, festivals, restaurants, weddings, gifts — the India you can't Google.
Subscribe →