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Amish Kapadia
Written by Amish Kapadia — 28 yrs Wall Street, now Mumbai.
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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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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🧭 Don't know where to start?
My custom NRI plan — covers all 13 questions in 60 seconds.
Get back a 7-section report: Banking · Tax · Investments · Compliance · Moving · Parents · Money leaks. Personalised to YOUR situation.
💱 Live · updated every 2 min

FX rates: the single highest-leverage NRI decision.

A $10,000 wire via your US bank loses ₹14,000+ to spread + fees. The same wire via Wise costs ~₹800. Most NRIs leave this on the table every month — because they don't compare.

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🇺🇸 USD 🇬🇧 GBP 🇪🇺 EUR 🇦🇪 AED 🇦🇺 AUD 🇨🇦 CAD 🇸🇬 SGD
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Already know your provider? Skip ahead
XE Money Transfer → Wise →
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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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