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🎯 Introduction: What Happens to Your Foreign Currency When You Return to India? Let’s say you’ve worked abroad for 10+ years and now you’re finally returning to India. You’ve got foreign savings in USD/GBP/EUR. But here’s the burning question: Should you convert it to INR immediately? Where do you park it? Will you lose tax…

If you’ve scrolled through finance Instagram lately, chances are you’ve seen this everywhere: “You need ₹10 crore to retire comfortably in India.” Sounds scary, doesn’t it? But pause for a second — where is this ₹10 Cr number coming from? Is it legit? Or just another viral reel designed to trigger fear? As someone who…

Intro: A Thought Every NRI Has Had… Imagine this: You’ve spent decades working abroad. You’ve built a solid portfolio, maybe even bought a house overseas. Your life has been stable and comfortable. But despite all this, there’s one recurring thought you can’t ignore: “Should I move back to India? Can I retire peacefully, with dignity,…

Confused about NRE, NRO, and RFC accounts? You’re not alone. Most Indian banks fail to explain the difference properly. Some even misguide you into opening the wrong account — creating headaches with taxes, TDS, and repatriation limits. But don’t worry — in this guide, I’ll break it all down clearly, practically, and with real-world use…

Let’s be real. If you’re an NRI with money in India—from rent, mutual funds, FDs, or even selling a house—you’ve probably asked: “How do I send this money abroad legally without getting into tax trouble or dealing with endless paperwork?” Good question. Because most banks won’t explain it clearly. And random advice from friends or…