For first-time visitors
Start here.
If you landed from Reddit, X, or LinkedIn — pick the question that matches yours. Each link goes to the one page on the site that answers it.
Most asked on Reddit
The four questions I see almost every week:
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I'm in the RNOR window — what should I do with my 401(k), Roth, brokerage, RSU?
RNOR Playbook — asset-by-asset tactical guide. Cost-basis step-up, Roth contributions vs earnings, 401(k) early-withdrawal math, HSA, W-8BEN paperwork. Plus the three-way FEMA / Tax / Bank-KYC residency distinction most people get wrong.
I'm thinking about moving back to India
Moving Back playbook — RNOR window, what to close abroad, what to set up in India, the order to do it in. 10K words, written from doing it.
I need an NRI bank account — NRE vs NRO vs FCNR
Account types explained — which one for which use, tax treatment, repatriation rules. Then how to pick a bank.
Which am I this year — NRI, RNOR, or Resident? (182-day count)
Day-counter + tax-residency map — drop in your India visit dates and get your exact status for FY 2025-26, plus the DTAA + capital-gains implications of each. The single biggest cluster of Reddit questions.
Or browse by category
1Daily money in & out
Sending, receiving, cards — the stuff you handle most weeks.
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I'm sending money to India and want the best rate
FX Compare — live rates across Wise, Remitly, XE, BookMyForex, and major bank wires. Updated every 2 min.
Which FX provider should I actually use — and which to avoid?
FX providers compared — pros & cons of every provider (Wise, XE, Remitly, LuLu, Western Union), the hidden gotchas, and a by-use-case pick list.
I need to send money OUT of India — Form 15CA, 15CB, A2, LRS
NRO Repatriation check — the forms the bank will ask for, the $1M/year cap, destination-country notes. Run this BEFORE the bank visit.
Which credit card should I get as an NRI?
NRI credit cards hub — your US/UK card stays useful, here's the Indian one(s) to pair it with. Hotel, airline, daily-spend tiers.
2Family & paperwork
Parents, kids, status, identity — the people side of being an NRI.
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Health insurance for my parents — in India or visiting me abroad
Senior parent cover — the right Indian policy for parents who stay back, plus visitor / travel-medical cover for trips abroad. The waiting-period trick most NRIs miss.
I (or my kid) is going to study abroad — F1, education loan, banking
Students Abroad hub — F1 visa interview prep, education loan comparison (HDFC Credila, Avanse, Prodigy, MPOWER), forex card, packing list, first 30 days.
OCI — renewal after passport change, OCI for a newborn, 2026 digital process
OCI checklist — what the May 2026 digital rollout actually changed, document list, fees, processing time. Plus newborn OCI flow.
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FX rates: the single highest-leverage NRI decision.
A $10,000 wire through your US bank gives up ~3.5% in spread plus fees. The cheapest services run ~1% all-in — and the winner rotates, so compare before every transfer. Most NRIs leave this on the table every month — because they don't compare.
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3Investing in India
Stocks, mutual funds, GIFT City, property, startups — putting NRE/FCNR to work.
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How do I invest in India from abroad — stocks, mutual funds
NRI investing guide — what you can actually buy, PIS vs Non-PIS, mutual fund routes, brokers ranked.
I want USD-denominated India exposure — GIFT City
GIFT City (IFSC) — USD fixed deposits, AIFs, GIFT Nifty futures, IFSC insurance. The route most NRIs miss.
I'm selling property in India — TDS, Section 112, Form 27Q
NRI property tax — what changed after the July 2024 budget, the TDS the buyer must withhold, capital-gains routing, repatriating the proceeds.
I want to angel-invest in Indian startups as an NRI
Startups hub — angel platforms vs AIFs vs direct equity, accreditation rules, FEMA reporting, capital-gains tax.
4Country-specific guides
Country rules that override the generic NRI playbook.
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I'm a US NRI — FATCA, PFIC, 401k, OPT-to-H1B
US NRI hub — FATCA reporting, PFIC traps (why most Indian mutual funds are taxed punitively), 401k vs IRA decisions, GIFT City for USD investing.
I'm a UK NRI — FIG, ISA, SIPP, remittance basis
UK NRI hub — the FIG regime that replaced non-dom, what stays in your ISA, SIPP transfers, double-taxation with India.
As a US person, how do I invest in India without the PFIC trap?
US investing & compliance — every route ranked, plus the IRS forms each triggers: PFIC, Form 8621, FBAR, FATCA, and how to clean up legacy Indian mutual funds.
UK NRI — what do I do with my ISA, SIPP and LISA if I move back?
UK-NRI investing — wrapper-by-wrapper exit treatment, the post-2025 IHT trap, and the full move-back sequence.
UAE NRI — TRC, offshore plans, gratuity, deemed residency
UAE-NRI investing — the TRC, the offshore-product trap, AED-USD peg risk, Section 6(1A), and what to liquidate before you move back.
EU NRI — Riester, Rürup, PEA, Box 3: what do I do on exit?
EU-NRI investing — country-by-country pension exit treatment (Germany, Netherlands, France, Ireland, Nordics), Irish UCITS, FCNR EUR, and the Form 10EE gap.
None of these the right fit? Try the full homepage or use the search for something specific.
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