Money Transfer to India for Returning NRIs: Complete Guide (2026)

A couple in our Dallas WhatsApp group was planning their return to India last year. They had $280,000 in savings across checking, savings, and…

Investing in Mutual Funds for NRIs: Complete Guide (2026 Update)

A member in our US WhatsApp group messaged me at midnight last year. “Mani, I tried to start an SIP with HDFC Mutual Fund…

A member in our WhatsApp group posted this last year: “I have an NRI demat account with Zerodha, linked to my HDFC NRE-PIS account.…

My younger son was born in California. US citizen. American passport. When we decided to move back to India in 2017, one of the…

Last year, a member in our WhatsApp community posted a message that panicked dozens of people. “I just tried to redeem my mutual funds…

A few months after I returned to India in 2017, I walked into an Aadhaar enrollment center in Bangalore. I had my passport. I…

I still remember the night I decided to move back. It was 2017. I was sitting in my apartment in the US, staring at…

A few years ago, a member in our WhatsApp community posted a message that stopped me in my tracks. “Mani, I just realized I…

“I had a $200K portfolio in the US. Now I’m back in India. Do I sell everything? Can I still buy Apple and Tesla…

This is the question I get asked more than anything else in our WhatsApp community: “Mani, is now a good time to come back?”…