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  1. Home
  2. Moving Logistics & First 90 Days
  3. How to Survive as an NRI in USA
Moving Logistics & First 90 Days
  1. 1Deciding
  2. 2Getting ready
  3. 3Making the move
  4. 4Life after landing

You're making the move — logistics, shipping, house-hunt and the first 90 days on the ground.

Open the Landing Checklist

How to Survive as an NRI in USA

Mani Karthik·August 9, 2023·3 min read·Making the move

Reviewed by returnees. Cross-checked with RBI, Income Tax Department and MEA. Editorial policy.

Content Index
  • 1. Social Networks – Find Your Desi Crew
  • 2. Food – The Quest for the Perfect Samosa
  • 3. Manage Your Finances – The Rupee-Dollar Dance
  • 4. Navigate Healthcare – Because ‘An Apple a Day’ isn’t Enough
  • 5. Weather – It’s Not Always Sunny in Philadelphia (Or Anywhere Else)
  • 6. Transport – The Great American Road Trip
  • 7. Embrace the Culture – Baseball, Thanksgiving, and July 4th
  • 8. Stay Connected to Your Roots – Diwali, Dosa, and Dhoom
  • Conclusion

From Curry Cravings to Credit Scores.

Ah, America – the land of Hollywood, skyscrapers, and more burgers than you can shake a stick at.

As a newly minted NRI in the vast expanse of the United States, you might feel a bit like Raj from ‘The Big Bang Theory’: occasionally lost, frequently hungry for mom’s aloo paratha, and constantly walking the fine line between embracing the ‘American Dream’ and preserving your desi roots.

Surviving in the US goes beyond knowing how to tip and mastering the art of the small talk.

This is your quick guide to thriving, Bollywood-style, in Uncle Sam’s backyard.

1. Social Networks – Find Your Desi Crew

Remember Shah Rukh Khan’s gang in ‘Kabhi Alvida Naa Kehna’? Yeah, you need that. Connect with local Indian communities, attend desi events, and join university Indian associations.

The camaraderie of fellow NRIs can make the initial days less overwhelming.

Read next in this topic

Traveling to India as an American Citizen: Visa Process and Requirements

My younger son was born in California. He’s a US citizen. So every time we plan a trip – or when friends in our WhatsApp community ask about this – I know exactly how confusing it can get. “Do I need a visa?” “Can I just get it online?” “What about my kid’s passport?” These […]

Read next

2. Food – The Quest for the Perfect Samosa

In the US, you’ll find every cuisine, but nothing beats a fresh plate of pani puri.

  • DIY: Master basic Indian recipes. Your kitchen will soon smell like home.
  • Local Indian Stores: They are treasure troves of everything from Maggi to mango pickles.
  • Apps like Yelp: They’ll point you to the nearest tandoori chicken joint.
Free tool

Finance Planner

Plan what to move, keep, and when to act financially.

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3. Manage Your Finances – The Rupee-Dollar Dance

  • Credit Score: In the US, your credit score is your financial report card. Pay your bills on time, and avoid maxing out credit cards.
  • Taxes: The IRS isn’t as fun as Bollywood, but it’s crucial to understand your tax obligations.
  • Send Money Home: Platforms like Wise (formerly TransferWise) can help transfer funds to India without hefty fees.
Free tool

Portfolio Strategy

Build a transition-aware portfolio for your return to India.

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4. Navigate Healthcare – Because ‘An Apple a Day’ isn’t Enough

Healthcare in the US is expensive. Get a good health insurance plan, understand your benefits, and always keep emergency contacts handy.

5. Weather – It’s Not Always Sunny in Philadelphia (Or Anywhere Else)

Invest in good winter wear if you’re in the North. And if you’re in places like Arizona, sunblock will be your best friend.

Free tool

Find a Tax Advisor

Get matched with verified CAs who specialise in NRI taxation.

Try it free

6. Transport – The Great American Road Trip

While public transport is great in cities like NYC or San Francisco, in many places, having a car is almost essential. Learn the local traffic rules, get a driver’s license, and remember, in the US, we drive on the RIGHT.

Keep reading
Can NRIs Start a Company in India – Full ProcessA thousand miles away from the homeland, as you traverse through the hustle and bustle of foreign lands, there’s a piece of you that yearns for a connection with India. You may be an NRI (Non-Residential Indian), but your Indian roots pull you back towards opportunities that the burgeoning Indian economy presents. One such opportunity […]How to Cancel US Green Card When Moving Back to India: Complete Guide“I’ve had my green card for 6 years. We’ve decided to move back to India. Do I just… give it back?” A member posted this in our WhatsApp community last year. Within minutes, over 40 messages flooded in. Some said “just let it expire.” Some said “you MUST formally surrender it.” One person said “be […]

7. Embrace the Culture – Baseball, Thanksgiving, and July 4th

While you’re binging on Bollywood, also try watching the Super Bowl or celebrating Thanksgiving. Embrace the local festivals and traditions. It’s a part of the expat experience.

Making the move → Life after landing

Ready for the life after landing stage?

Continue with our Healthcare guide.

Explore

8. Stay Connected to Your Roots – Diwali, Dosa, and Dhoom

Keep your traditions alive. Celebrate Indian festivals, speak in your mother tongue, and pass on the stories and traditions to the next generation.

Conclusion

Life as an NRI in the USA can be a roller coaster of emotions, reminiscent of a Karan Johar movie. There will be moments of exhilaration, bouts of homesickness, and an endless craving for mom-made biryani.

Yet, with the right mix of desi ingenuity and American resourcefulness, you can not just survive but thrive.

And remember, when in doubt, dance it out, Bollywood style!

Written by

Mani Karthik

Mani Karthik

Founder, BackToIndia · Returnee since 2016

Mani Karthik is an entrepreneur who moved back to India in 2016 after nearly a decade living and working in the US and the Middle East. He started BackToIndia to help other NRIs navigate the move — banking, taxes, schooling, careers and the everyday reality of resettling in India.

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Where to next

Continue Moving Logistics & First 90 DaysTraveling to India as an American Citizen: Visa Process and RequirementsTrack it in the appOpen the Landing ChecklistTick off the first-90-days items as you go.Ask other returneesJoin the Making the move communityReal Q&A with people at your stage of the move.
How to Apply for Driving License After Returning to IndiaTraveling to India as an American Citizen: Visa Process and Requirements