The 7% FCNR Dollar Deposit: The Currency Bet Hiding Inside No One Is Telling NRIs
Five years ago, a friend at work put his savings into an NRE (Non-Resident External) fixed deposit at 7.5%. He felt smart. The bank in Dubai offered him…
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The Home Loan Math: How an AED 8,337 EMI Quietly Costs You AED 2.5 Million
The bank said yes. AED 1.5 million, 25 years, and the EMI works out to AED 8,337 a month. You did the math you always do. Less than...
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One Word, Two Laws: Why You Can Be an NRI and a Resident on the Same Day
You moved to Dubai in August. You kept your Indian savings account open, because you had not crossed 182 days yet and that felt like the rule. That…
ReadWho Is, and Who Is Not, an Indian Citizen: A Definitive Guide to the Constitution, the Citizenship Act, and the CAA
A friend in Dubai asked me last week whether his daughter, born in a Sharjah hospital, is Indian. He was not sure. With all the noise online about…
Read182, 120, or Zero: The India Tax Test That Decides If Your Dubai Salary Stays Yours
Your Dubai salary lands on the 28th with no tax taken. You want to keep it that way. One wrong number on your India trips can hand a…
ReadThe USD 1 Million Rule: How Much Money You Can Actually Move Out of India?
You sold the Bangalore flat. The buyer paid, the bank deducted its tax, and now a little over two crore rupees sits in your NRO account in India….
ReadSelling Property in India as an NRI, and Why the Buyer Holds Back So Much
You sell your flat in India for ₹1.5 crore. Your profit is ₹40 lakh. Then the buyer hands you the money, minus nearly ₹20 lakh. Not because the…
ReadThe India-UAE Tax Treaty Explained for Gulf Residents
Your bank in India is probably taking too much of your money. Not stealing it. Just deducting tax at the highest rate, because you never told them to…
ReadAre You an NRI for Tax This Year? The Gulf Resident’s Day-Count Guide
One extra week in India can change what you owe in tax. Not by a little. Your entire global income can come into India’s tax net. Most Gulf…
ReadI am a Beginner. I Always Will Be. Here is What That Has Taught me About Investing.
The first stock I ever bought My first stock was the NTPC IPO. A stockbroker friend told me to subscribe. I nodded like I knew what subscribing meant….
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