Welcome to NRI Information
Now over 17 years on the web for NRIs . . .
Welcome to NRI Information. This website is designed specifically for NRIs (Non-Resident Indians) worldwide, with the aim of providing comprehensive support in understanding and addressing the issues faced by non-residents dealing with their NRI status in India. The purpose of this website is to provide readers with the knowledge and resources necessary to navigate the unique challenges that arise as an NRI. With over 50 years of personal experience as a non-resident, I am committed to giving back to the community. This website is completely free of charge. No login or subscription is required.
V. K. Chand
Pick a topic to find guides, articles, or FAQs that are relevant to your situation
Our FAQ section contains over a thousand readers’ questions with answers you may find informative.
Banking
NRE, NRO & FCNR accounts, transfers, TDS, and managing your finances in India from abroad.
ExploreProperty
Buying, selling, and managing real estate in India as an NRI — taxes, TDS, and legal requirements.
ExploreTaxation
Income tax rules for NRIs — residential status, filing returns, capital gains, and DTAA benefits.
ExploreOCI & Visas
Overseas Citizenship of India, Indian visas, OCI card replacement, and travel documentation.
ExplorePAN Card
Applying for, updating, and managing PAN cards for NRIs — requirements and procedures.
ExploreNRI Info
General information for Non-Resident Indians — status, rights, responsibilities, and resources.
ExploreHow-To Guides
Step-by-step procedures for common NRI tasks — from documents to registrations.
ExploreLifestyle
Practical information about life as an NRI — customs duties, imports, and day-to-day matters.
ExploreBusiness
Starting and running a business in India as an NRI — regulations, investments, and opportunities.
ExploreCars
Buying, importing, and owning vehicles in India as an NRI — rules and procedures.
ExploreMedical
Healthcare costs, medical insurance, and health-related information for NRIs visiting India.
ExploreImmigration
Immigration guidance, senior citizen resources, and settling abroad or returning to India.
ExploreLatest Updates
NRI bank accounts — which one do you actually need?
A scenario-driven quick reference for picking between NRE, NRO and FCNR(B) accounts based on what you're trying to do with your Indian money — earning abroad and parking in India, collecting Indian rent or pension, holding foreign currency without exchange risk, managing investments, or receiving inheritance. Side-by-side comparison plus links to deeper mechanics.
9 min read · Updated Apr 22, 2026
bankingRemitting Indian pension abroad — banking mechanics for NRI pensioners, 2026
The banking-side workflow for an NRI pensioner getting their Indian pension from the NRO account to their overseas bank: the simplified documentation for current- income remittance (the RBI 2002 circular that waives the CA certificate for non-taxpayers), monthly sweep vs batch remittance, how pension credits interact with the USD 1 million per FY NRO ceiling, Form 15CA simplified route, the FX-rate choice, auto-sweep facilities some banks offer, and the life-certificate / KYC interactions that keep the pension flowing in the first place.
12 min read · Updated Apr 22, 2026
bankingTDS for NRIs — a quick 2026 reference for banking customers
A concise overview of TDS as it affects NRIs at their Indian banks in 2026 — the headline Section 195 rates on NRO interest, bonds, and securities; where TDS certificates (Form 16A) come from and how to verify them on the Income Tax e-Filing portal via Form 26AS and the Annual Information Statement; how to reconcile bank-deducted TDS against what the department has on record; and how to raise a TDS correction when the bank and portal disagree.
10 min read · Updated Apr 22, 2026
bankingTransferring money abroad from India — the Form 15CA and 15CB mechanics
The current Rule 37BB framework for outward remittances from India — when Form 15CA is needed, when Form 15CB from a CA is also needed, the 33-item specified list that needs neither, the four parts of Form 15CA, and the practical workflow on the income-tax portal.
9 min read · Updated Apr 21, 2026
bankingSending money to India safely — the current remittance landscape
How NRIs actually move money to India in 2026 — the bank apps, the fintech challengers, the regulated RDA and MTSS rails, how to compare the true cost, and what recourse exists through the RBI Integrated Ombudsman when a transfer goes wrong.
10 min read · Updated Apr 21, 2026
bankingWhat happens to NRI bank accounts when you return to India?
How NRE, NRO and FCNR accounts must be handled when an NRI returns to India permanently — the RNOR tax window, redesignation to resident accounts, the role of the RFC account, how interest is taxed on each, and the right sequence to protect your foreign-currency position.
9 min read · Updated Apr 20, 2026
The Definitive Guide
The NRI Guide
By V. K. Chand — comprehensive coverage of banking, taxation, property, OCI, and everything an NRI needs to know. Updated for 2024-25.