Author: Mani Karthik
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Sovereign Gold Bonds for NRIs: The Complete Guide (2026)
Last month, a member in our Dubai WhatsApp group asked a simple question: “I want to invest in Sovereign Gold Bonds. I’m an NRI.…
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How Different Is Daily Life in India Compared to the US?
Hey everyone! Mani here. This topic hits close to home. My wife Priya was terrified about moving back to India in 2017. She had…
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Will I Be Able to Adjust to Life in India After Years in the USA?
Hey folks! Mani here. That question haunted me for months in 2016. I was sitting in my Irvine apartment. Staring at my mom’s photo…
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Annexure E – The Income Tax Document NRI Needs to Know
When I filed my first Indian tax return after moving back in 2017, my chartered accountant asked me a question I wasn’t prepared for.…
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SBI Chicago – Your Financial Bridge to India
It was winter 2015. I was stuck in Chicago O’Hare airport during a layover. My flight was delayed 6 hours. Classic Chicago winter. I…
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Axis Atlas – The Credit Card NRIs Need When Moving Back
Hey folks! Mani here. Remember when I landed at Bangalore airport in 2017 with my family? I had bank accounts. I had investments. I…
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NRI Guide to Indian Consulates & VFS: Navigating the Paperwork Maze
Hey folks! Mani here. Remember that sweltering July afternoon in 2016 when I stood outside the San Francisco Indian Consulate with my family? Four…
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How NRIs Can Get Aadhar in 2025: A Complete Guide
Hey folks! Mani here. Remember my first week back in India in 2017? I was jetlagged, confused, and standing in an Aadhaar enrollment center…
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Transaction Reference Number – Guide for NRIs
Remember that time in 2016 when I sent money from my Bank of America account to my dad’s SBI account in Ernakulam? The money…
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RFC Account in India: The Complete Guide for Returning NRIs
One of the first questions I hear from NRIs planning their return is this: “Mani, what do I do with all my foreign currency…