Author: Mani Karthik
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New Tax Regime Slabs for NRIs: Complete Breakdown
A few weeks ago, Priya from our WhatsApp group sent me a panicked message at midnight. She’d just filed her Indian tax return and…
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Xoom vs Remitly: Which Is Better for Sending Money to India?
Hey there! Mani here. Let me break down everything about these two popular money transfer services in a way that makes perfect sense. This…
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Transaction Reference Number (TRN) for NRIs: Complete Guide
If you’ve ever sent money to India and wondered whether it actually reached, you’re not alone. That moment of doubt – “Did the transfer…
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Purpose Codes Decoded: NRI’s Guide for Money Transfers
If you’ve ever sent money to India or received it from abroad, you’ve probably seen a dropdown asking you to select a “Purpose Code.”…
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NRI PPF Account Changes: An NRI’s Guide
Hey there! Mani here. Having been through the NRI journey myself, I know how confusing it can be to keep track of all the…
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How to Avoid TCS on Remittances: Complete Guide
When the government announced the 20% TCS on foreign remittances, my phone didn’t stop buzzing for a week. Parents sending money to kids studying…
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Remitly vs Wise: Rates Comparison, Review – Full Guide
Hey there! Mani here. After years of helping NRIs send money back home, I’ve become quite familiar with both Remitly and Wise. Let me…
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OCI Card for NRIs: The Complete Guide (2024)
Hey there! Mani here. After helping countless NRIs navigate their journey with OCI cards, I’ve put together this comprehensive guide to help you understand…
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Person of Indian Origin (PIO) Card – Complete Guide for NRIs (2026)
If you’re still holding a PIO card, this is probably the most urgent article you’ll read today. The PIO card officially expired on December…
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SWIFT Transfers – Everything NRIs Need to Know in 2026
The first time I tried to send money from the US to my mom’s SBI account, the bank asked me for a “SWIFT code.”…