Author: Mani Karthik

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…
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…
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…
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…
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…
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.”…
Cost of Living in US: What Indians Need to Know

Hey there! Mani here. When I first moved to the US, the biggest shock wasn’t the culture or the weather – it was seeing…
Who is a Beneficiary in Money Transfer? Guide for NRIs

Hey there! Mani here. During my years of helping NRIs navigate international money transfers, one question keeps popping up: “What exactly is a beneficiary,…
ACH Money Transfer – Complete Guide for NRIs (2026)

Every month, I see the same question pop up in our WhatsApp community – “Should I use ACH or wire transfer to send money…
UAE to India Money Transfer: NRI’s Guide

Hey there! Mani here. When I was working in Dubai, sending money back home was something I did almost every month. Over the years,…