Guides directory
NRI Guides, updated for 2026
Every guide is reviewed against RBI FEMA Master Directions, the Income Tax Act 2025 and MEA circulars. Filter by topic or country, or search by keyword.
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20 guides
NRE vs NRO vs FCNR Account in India (2026 Guide): Interest Rates, Tax Rules & Best Choice for NRIs
NRE vs NRO vs FCNR explained for 2026: source of funds, tax-free interest vs 31.2% NRO TDS, repatriation, joint holders, FD rates and which account fits you.
6 min read · Updated Nov 2026Banking & InvestmentsGIFT City Investments for NRIs (2026): How to Invest in USD With Zero TDS & No Currency Risk
How NRIs can invest in USD through GIFT City IFSC funds, deposits and ETFs with no rupee conversion, tax exemptions, no TDS and no NRE/NRO account needed.
5 min read · Updated Nov 2026Banking & InvestmentsHow to Invest in Indian Mutual Funds from USA & Canada (2026): FATCA, PFIC Rules & Compliant AMCs
US and Canadian NRIs: which Indian AMCs accept you, how PFIC taxation works, KYC and IPV steps, and better alternatives like PIS stocks and India ETFs.
4 min read · Updated Nov 2026Banking & InvestmentsPIS vs Non-PIS Demat Account for NRIs (2026): RBI FEMA Rules, Trading Limits & Best Brokers
PIS vs Non-PIS demat accounts for NRIs in 2026: NRE-PIS and NRO Non-PIS rules, SEBI digital KYC from abroad, trading limits, F&O and broker charges.
4 min read · Updated Nov 2026Banking & InvestmentsNRI UPI Payments in India (2026): How to Link International Mobile Numbers Without an Indian SIM
Set up UPI with your US, UK, UAE, Canada, Singapore or Australia mobile number: eligible countries, supported banks and apps, daily limits and OTP fixes.
3 min read · Updated Nov 2026Banking & InvestmentsBest Ways to Send Money to India & Repatriate Funds Abroad (2026): Exchange Rates, Fees & FEMA Limits
Compare Wise, Remitly, Xe and bank wires for sending money to India, spot hidden FX markups, and learn NRO limits with Forms 145/146 (formerly Forms 15CA/15CB).
4 min read · Updated Nov 2026Tax & RepatriationNRI Income Tax Rules in India (2026–27): Income Tax Act 2025, Slabs, 120-Day Rule & Deemed Residency
How the Income Tax Act 2025 taxes NRIs from April 2026: 182-day and 120-day tests, Section 6(7) deemed residency, new vs old regime slabs and why 87A does not apply.
5 min read · Updated Nov 2026Tax & RepatriationHow to Claim DTAA Relief & TDS Refunds as an NRI (2026): TRC, Form 10F & ITR-2 Filing Guide
Cut 31.2% NRO TDS to 10–15% under DTAA: treaty rate matrix for USA, UK, UAE, Canada, Singapore and Australia, getting a TRC, filing Form 10F and ITR-2 refunds.
4 min read · Updated Nov 2026Tax & RepatriationLower TDS Certificate (Form 128, formerly Form 13) for NRIs (2026): Property Sales & Rent
How Form 128 (formerly Form 13) on TRACES cuts TDS on an NRI property sale or rent to your real tax, plus documents, TAN rules and the 3–4 week timeline.
4 min read · Updated Nov 2026Tax & RepatriationNational Pension System (NPS) & PPF Rules for NRIs (2026): Eligibility, Tax Benefits & Exit Rules
Can NRIs invest in NPS and PPF in 2026? RBI's FEMA update allowing NPS repatriation, deductions under old and new regime, exit rules and the PPF ban.
5 min read · Updated Nov 2026Tax & RepatriationPAN Card Update, Aadhaar Exemption & Unclaimed Shares/IEPF Recovery for NRIs (2026)
Update PAN to NRI status, avoid inoperative PAN penalties, use the Aadhaar exemption for non-residents, and recover parents' shares and dividends from IEPF.
4 min read · Updated Nov 2026Property & LegalHow to Sell Property in India as an NRI (2026 Guide): Capital Gains Tax, TAN Waiver & Repatriation
Complete 2026 roadmap for NRIs selling Indian property: 12.5% LTCG vs slab STCG, the Form 141 TAN waiver, Form 128 (formerly Form 13), and Forms 145/146 for repatriation.
4 min read · Updated Nov 2026Property & LegalPower of Attorney (PoA) for NRI Property Sale & Registration (2026): Format, Apostille & Adjudication
General vs Specific PoA for NRIs, a drafting checklist, apostille in USA/UK/Canada/Australia vs consulate attestation in UAE, courier steps and 3-month adjudication in India.
3 min read · Updated Nov 2026Property & LegalSelling Inherited Property & Legal Heir / Succession Certificates for NRIs (2026)
NRIs inheriting property in India: mutation steps, legal heir vs succession certificate vs probate, agricultural land rules under FEMA, inherited cost and repatriation.
3 min read · Updated Nov 2026Property & LegalNRI Property Management & Senior Assisted Living Communities in India (2026 City Guide)
City guide for NRIs: rental yields and senior-care strengths in Bengaluru, Chennai, Coimbatore, Pune, Hyderabad, Kochi and Delhi-NCR, plus property management and assisted living checklists.
4 min read · Updated Nov 2026OCI & DocumentationNew e-OCI Card & Citizenship Rules (2026 Update): Electronic OCI, Biometric Consent & Passport Renewal
The Citizenship (Amendment) Rules 2026 explained: online Form XXVIII, digital e-OCI card, FTIP biometric consent at airports and when to update OCI after a new passport.
4 min read · Updated Nov 2026OCI & DocumentationRenunciation of Indian Citizenship & Surrender Certificate Guide (2026): Fees, Penalties & VFS Process
Must-do steps after becoming a US, UK, Canadian or Australian citizen: electronic renunciation, surrender certificate fees, penalties for late surrender and applying for e-OCI.
3 min read · Updated Nov 2026OCI & DocumentationMEA Apostille, Birth Certificate Reissue & Single Status Certificate for NRIs (2026)
How NRIs get NABC for US green cards, reissued birth and marriage certificates, single status certificates and MEA e-Sanad apostilles without travelling to India.
3 min read · Updated Nov 2026Return to India (R2I)Return to India (R2I) Master Checklist (2026): RNOR Tax Window, Banking Conversion & Transfer of Residence
A 12-month Return to India plan: timing your move to get 2–3 RNOR years, 401(k) and IRA tax, converting NRE/NRO to resident and RFC accounts, and duty-free TR baggage.
5 min read · Updated Nov 2026Return to India (R2I)Best Health Insurance for NRI Parents & Returning NRIs in India (2026): Waiting Periods, PED & Tax Deductions
Why NRIs should buy Indian health insurance before returning, how pre-existing disease waiting periods work, Day-1 PED riders, claim settlement ratios and 80D deductions.
3 min read · Updated Nov 2026