Keerthi’s FinFo NRI

Why US Tax Refund gets delayed for NRIs?

Here are the five reasons ….

If you’re planning a trip to India, make sure to do these 5 things without fail.

I promise — it’ll make your NRI life smoother for years to come.

If you are an OCI Card holder, you don’t have to carry a physical copy anymore.

Now you can download the e-OCI card and go completely digital…

Less than 15 Days left.

July 31 is the Deadline for Tax Filing.

As NRI if you have decided not file this time, you will loose these 5 benefits…

Watch the video to know more details.

If you want our assistance for tax filing COMMENT TAX, to book meeting.

I’m not against real estate — but when, and at which stage of life you buy, can make a huge difference to your personal finances.

Here’s what I believe is the right time to buy real estate…

Instead of INR, you can send Money to India directly in USD!

If you want to keep FCNR deposits this is helpful.
Here’s the process. I did this from Dubai, but it will work from any country.

1. Get your Customer ID — Call your Indian bank’s Relationship Manager and ask for it. This is different from your NRE account number; it’s a separate internal identifier. You can also find it by logging into your bank’s online portal.
2. Add the beneficiary — In your foreign bank’s app, add your Customer ID as the beneficiary — not your NRE account number.
3. Start the transfer — Once the beneficiary is approved, initiate the transfer as usual, but select USD as the currency, not INR.
4. Add a note (if applicable) — For FCNR deposits, mention the purpose clearly, e.g., “10K FCNR for 5 years, non-renewable.”
5. Confirm and send — Double-check details, then hit send. Your local currency converts to USD directly. (I paid a $25 transfer fee — this varies by bank and country.)
6. Track the transfer — The money routes through a US intermediary bank, so it won’t arrive instantly. Expect status updates like Initiated → In Progress → Processed → In-Transit. Mine took about 3 days to land.
This method avoids double currency conversion and can save you real money. Worth sharing with other NRIs.

Sold property in India this year as an NRI? A big chunk of your money may still be sitting with the government, waiting to be claimed.

Here’s what most NRIs don’t realize: the tax deducted at source (TDS) on your property sale is not based on your profit. It’s deducted on a large portion of the total sale value.

Why does this happen?

When an NRI sells property, the buyer is required to deduct TDS to ensure tax compliance. Calculating the exact capital gain is complicated. It depends on cost of acquisition, indexation, and applicable exemptions. To avoid penalties, buyers often deduct TDS on the entire sale value instead of just the gain.

Here’s the truth: you are only legally required to pay tax on your actual capital gains, not your gross sale amount. If your real profit was modest, or if you’ve claimed exemptions by reinvesting in property or specified bonds, then a large part of that TDS may have no real tax liability behind it. It simply stays with the government until you file your income tax return, calculate your actual capital gains, and claim the excess as a refund.

If you’ve sold property in India recently, it’s worth finding out exactly how much is owed to you.

Want our team to help you file and claim your refund? Comment “tax” and we’ll reach out.

S. Janaki is no more, and honestly, it still doesn’t feel real. There’s a void now that I don’t think will ever be filled — not easily, maybe not ever.

As a student of music, I’ve spent years just wondering at her — how she could hit every note so effortlessly, like singing wasn’t a skill for her but simply the way she breathed. I never really thought of it as “listening to music.” It was just part of my everyday, without fail.

I still remember taking part in a Star Singer in Kannada Reality Show and choosing to sing her composition “Devara Aata Ballavararu.” That one attempt taught me more than years of practice ever could. It made me realize how impossibly hard it is to reach even 1% of where she stood — that vocal range, the way she could bend and shape emotion into every syllable, singing with the same soul across 18+ languages like they were all her mother tongue.

That’s when it really hit me — a singer’s true duty is to breathe life into a poet’s words.

You gave me a reason to fall in love with music, Amma. Rest in melody. I’ll keep listening, every single day, just like before.

Who is a net-worth millionaire?

It’s someone whose morning feels broke and evening feels rich — because they’ve confused cash flow with net worth.

Cash flow is your income and expenses, what actually funds your life. Net worth is assets minus liabilities, a number on paper.

The trap is leverage. Buy a property, and for years you’re still paying it off — the equity stays locked until you hit a milestone that lets you release it. Yet people start believing they’re “a 2 million guy, a 3 million guy,” spending decades — often 25 to 50 — funneling cash flow into assets that are really liabilities for most of that time.
They keep cycling asset to liability, asset to liability, feeling rich on paper. Then retirement approaches, and the real question hits: what do I actually live on?

Net worth doesn’t pay bills — cash flow does.

How-much you need to retire in India?

How to build 2Cr, 4Cr, and 10Cr retirement corpus in India?

And, How can you plan your life with it?

A Detailed Analysis from NRI perspective…