India money rules for Indians abroad, made clear.

Every Indian living abroad can understand the rules that govern their money in India.

NRI money rules are spread across FEMA, income-tax law and tax treaties. Most people learn them from relatives or bank staff. We explain them one at a time, in plain words, with the source shown, so that no one has to guess.

Explain one rule at a time

Correctly, in plain words, and with its source.

Be the first place to check

For Indians abroad who want to know what an India money rule really says.

Stay on the side of education

We explain the rules. We do not recommend products or handle anyone's money.

Different plans bring different rules. Three examples of the questions we answer.

Just moved abroad

The first year away

A new job in Toronto. The savings accounts, mutual funds and PPF in India are still running as if nothing changed.

• Does my savings account have to become an NRO account, and by when?
• Do I need an NRE account as well, and what is it for?
• What happens to the investments I already hold?

Moving back

Returning to India

Eleven years in Dubai, and a move home to Pune next year.

• Will I get RNOR status, and for how long?
• What does RNOR change for my income from abroad?
• What do people get wrong with deposits and reporting after they return?

Investing across borders

Growing money in two places

Working in Singapore, wanting to invest in India and globally while keeping savings in dollars and transfers simple.

• What is GIFT City, and what can an NRI do there?
• Which investments can stay in dollars?
• How does money move in and out, and how is it taxed?

These are examples, not advice. Your own situation may differ.

Four pillars, in the order life happens.

Leaving India

Status and accounts

When you become an NRI. NRE, NRO and FCNR accounts. What happens to the accounts and investments you already have.

Earning abroad

Tax

Residency day counts, tax deducted at source, tax treaties, the new Income-tax Act.

Putting money back

Sending and investing

Remittance, deposits, mutual funds, GIFT City, property.

Returning

Coming home

RNOR status, NRE deposits after return, reporting foreign assets.

• Every rule has a source

  We show the law, regulation or circular each rule comes from, and the date we checked it.

• Reviewed by professionals

  We work with SEBI-registered investment advisers and chartered accountants to review what we publish.

• Plain words, two languages

  Short videos and guides in English and Hindi. Our videos are made with AI and labelled as such.