Author: Mani Karthik

PayPal in India: The Complete Guide for NRIs

Let me be upfront with you – PayPal in India is not the same PayPal you’ve been using in the US, UK, or anywhere…
Income Tax on Retirement Benefits in India: Guide for NRIs (2026)

A member in our WhatsApp group retired from an Indian PSU after 28 years. He’d been on deputation to the Middle East for the…
How To Apply For Lost Or Damaged PAN Card: Complete Guide (2026)

I get this question at least once a week in our WhatsApp groups. “Mani, I can’t find my PAN card. I need it for…
Top Credit Cards for NRIs: After & Before Return (2026)

This question comes up almost every week in our WhatsApp groups. “Mani, I’m planning to move back to India in a year. What should…
FATCA: Complete Guide for NRIs

“Mani, my mutual fund SIP just got rejected. The AMC says something about FATCA compliance. What is this?” I get this question almost every…
Renew Indian Driving License For NRIs: The Ultimate Guide

Hey! Mani here. When I moved back from California in 2017, my expired driving license was one of those small but super annoying problems…
Overseas Citizen of India (OCI): Meaning, Types, Eligibility and Benefits

Let’s talk about OCIs. The full thing! When I moved back from the US in 2017 with my family, getting our OCI cards was…
What is Form W-2 For NRIs While Filing US Taxes?

2016. I’m sitting in my Santa Barbara office at Citrix, staring at this official looking document my HR team just handed me. Form W-2.…
FBAR: A Complete Guide for NRIs (Updated 2026)

A few years ago, a member in our WhatsApp community sent me a panicked message at midnight. “Mani, I just found out about FBAR.…
Gold ETF vs Gold Mutual Fund – Which is Better for NRIs

Remember when I was working at Citrix back in 2016? My wife constantly worried about our savings being too dependent on US markets. That’s…