• USD$ = 94.23₹ up 0.28 percent since the previous update• GBP£ = 124.70₹ up 0.15 percent since the previous update• EUR€ = 104.31₹ up 0.25 percent since the previous update• CAD$ = 66.09₹ up 0.26 percent since the previous update• AUD$ = 64.03₹ down 0.11 percent since the previous update• AED = 25.63₹ up 0.55 percent since the previous update• SAR = 25.10₹ up 0.56 percent since the previous update• JPY¥100 = 58.96₹ up 0.24 percent since the previous update• SGD$ = 73.22₹ up 0.14 percent since the previous update• NZD$ = 52.23₹ up 0.12 percent since the previous update• SEK = 9.41₹ down 0.11 percent since the previous update
• India Repo rate 5.50% raised CPI 5.5% up on the month before Sep • UK Bank Rate 4.00% raised CPI 3.5% up on the month before Sep • US Fed funds 4.00% raised CPI 3.7% up on the month before Sep • Euro area Deposit rate 2.50% raised CPI 4.0% up on the month before Oct • Canada Policy rate 2.50% raised CPI 3.1% up on the month before Sep • Australia Cash rate 4.85% raised CPI 4.3% up on the month before Sep
IST: 00:00 PM
IST:

NRIWallah: in your corner, across borders

In your corner, across borders

Paisa and beyond for NRIs worldwide: money, family, home and paperwork in India and wherever you live.

Your corner for

Your account

Where do you live?

This visit only: your account still says you live in . Moved, or picked the wrong one? Change it in your account.

What applies to you?

Help in your corner, wherever you live

Businesses that serve NRIs, checked before they are listed, for the jobs in India and where you live.

Not sure who can do it? Describe the job and businesses that do it can reply to you privately. See the whole directory

Every business is checked before it is listed and pays the same flat fee; nobody can pay to be higher, and a listing is not a recommendation.

Run a business that serves NRIs? The first 3 months are free. List your business

The usual answer for NRIs is two wills: a local one for what you own where you live, naming guardians for your children, and an Indian one for your assets in India. The 1956 treaty relief does not reach Indian property that passes under a will governed by English law.

Check your estate in full → Wills for NRIs →

Octopus Legal: a UK will and LPA (2 member reviews) · Rupeeflo: notarise documents online · VakilSearch: an Indian will (partners)

Rupeeflo: notarise documents online · VakilSearch: an Indian will (partners)

Rupeeflo: notarise documents online · VakilSearch: an Indian will (partners)

Rupeeflo: notarise documents online · VakilSearch: an Indian will (partners)

Rupeeflo: notarise documents online · VakilSearch: an Indian will (partners)

Rupeeflo: notarise documents online · VakilSearch: an Indian will (partners)

Rupeeflo: notarise documents online · VakilSearch: an Indian will (partners)

Rupeeflo: notarise documents online · VakilSearch: an Indian will (partners)

Tax on your Indian income, in both countries

India, as an NRI

Your salary abroad doesn't change this: India taxes an NRI only on income that arises in India.

→

Taxfix: help with UK Self Assessment (2 member reviews) · TaxBuddy: file your Indian tax return (1 member review) (partners)

TaxBuddy US: file your US return · TaxBuddy: file your Indian tax return (1 member review) (partners)

TaxBuddy: file your Indian tax return (1 member review) (partner)

TaxBuddy: file your Indian tax return (1 member review) (partner)

TaxBuddy: file your Indian tax return (1 member review) (partner)

TaxBuddy: file your Indian tax return (1 member review) (partner)

TaxBuddy: file your Indian tax return (1 member review) (partner)

TaxBuddy: file your Indian tax return (1 member review) (partner)

A pension pot, and when it can usually be drawn

Growth is assumed, not a forecast, and amounts use today's exchange rate.

Track every pension, in India and abroad →

Estimates on today's rules and today's exchange rate, worked out in your browser: nothing you type here is sent anywhere. They are not advice; the full tools explain their assumptions.

Your corner: every NRIWallah tool and guide

Free, with no sign-up. The groups you ticked above are outlined.

Money between where you live and India

Savings, rent and deposits in India

Family, wills and cover

Tax in India and where you live

Accounts, OCI and paperwork in India

Pensions in both countries

Buying a home in where you live

Selling property in India

Moving back to India

Guides for every country

In your corner, across borders

Most NRI households have one person who keeps track of it all. They remember when the NRE deposit matures and when the OCI card needs updating after a new passport. They work out whether the rent from the flat in Pune is taxed twice, what a parent’s health cover actually pays, and whether the pension left behind in an old job can still be found. They do it across two countries, in two currencies, on portals that were never built to talk to each other. NRIWallah is for that person, wherever they live.

Paisa first

Money between two countries

See what your money is worth in rupees today and what a transfer really costs once the exchange rate takes its cut. Look up a rupee on a past date, compare NRE, NRO and FCNR deposit rates, and read how NRE and NRO accounts differ before you move money either way.

Family, home and cover

The people and property you look after

Put every policy you hold, in India and abroad, in one place with the cover wallet. Find old pots with the pension tracker, see whether your country taxes your Indian assets when you die, and read why a will for each country usually saves the family months.

Tax and dates

Tax in both systems, without the guesswork

Country tax calculators set your Indian income against UK tax with treaty relief and its equivalents elsewhere. The NRI tax calendar lists India’s dates and your country’s, and the day tracker counts your days in India against the residence tests.

Paperwork and help

The admin that never stops

The India checklist shows which checks may apply to your accounts, property and ties in India. The renewals tracker and visa tracker keep passports, OCI cards, visas and deposits in view, and Find help lists businesses that serve NRIs, checked before they appear.

Guides are written for NRIs in any country, most from the UK, US, Gulf, Canada, Australia, Singapore, Europe, Japan and New Zealand; the NRIHub collects the country guides. Every page shows the date it was last updated. Nothing here is personalised financial advice: for that, speak to a qualified adviser in the country where you live.

Partner offers

Make your next NRI decision with the right partner

Start with the task that saves you the most time, money, or paperwork.

For UK NRIs buying property or remortgaging

Habito

Compare UK mortgage and remortgage options

Habito helps you compare lenders digitally and handle the mortgage or remortgage journey without upfront broker fees.

No upfront broker fee

  • Digital-first process
  • Broad lender coverage
  • Good for complex NRI cases
  • Remortgage support
Compare mortgage options

2 member reviews

Your home may be repossessed if you do not keep up repayments on your mortgage.

For UK NRIs with Indian income

File UK tax with foreign income support

Taxfix can help with UK self-assessment once your India-side numbers are ready and DTAA questions start to matter.

UK self-assessment support

  • Foreign income awareness
  • Useful for DTAA questions
  • Good for UK-side filing support
Get UK tax help

2 member reviews

For US NRIs with Indian income

File your US tax return with India income support

TaxBuddy US prepares federal returns that include Indian income, TDS credits and FATCA reporting.

US return filing support

  • US federal return preparation
  • Indian income and TDS reporting
  • FATCA and treaty relief forms
Start with TaxBuddy US

For UK NRIs buying property

Habito Plus

Keep mortgage, legal, and survey steps connected

Habito Plus gives you a more joined-up path when you want mortgage, legal, and survey support coordinated together.

Legal and survey support path

  • Legal support path
  • Survey coordination
  • Better for remote buyers
Explore Habito Plus

2 member reviews

Your home may be repossessed if you do not keep up repayments on your mortgage.

For UK NRIs planning for dependants

Wills and family protection

Start with Octopus Legal for UK wills and LPA planning, especially if guardianship and local estate administration matter.

Discount code: NRIWALLAH10

  • UK will and LPA support
  • Good for family planning
  • Discount available
Start with Octopus Legal

2 member reviews

For NRIs with Indian income or property

File your Indian tax return

TaxBuddy can help prepare your Indian ITR with TDS reconciliation and DTAA computations, so refunds and foreign tax credit claims go smoothly.

Indian ITR filing support

  • India-side ITR preparation
  • TDS and DTAA reconciliation
  • Good for NRO income and property sales
Start with TaxBuddy

1 member review

For NRIs planning their Indian estate

Prepare your Indian will with expert guidance

VakilSearch connects you with qualified Indian lawyers to prepare wills that cover your Indian property and assets, protecting your family’s inheritance.

Indian will and estate planning

  • Qualified Indian lawyers
  • Will and probate guidance
  • Estate planning for NRIs
Start with VakilSearch

NRI Remittances to India

Check remittance rates before you send

Wise shows fees and exchange rates upfront so you can compare what the recipient gets before you commit.

Transparent fees and rates

  • Upfront pricing
  • Fast transfers
  • Good for repeat remittances
Check Wise rates

1 member review

For NRIs sending papers to India

Get documents notarised from abroad

Rupeeflo arranges online notarisation and courier to India for everyday paperwork. Check that the receiving institution accepts it before you order.

Online notarisation and courier

  • Online, from home
  • Courier to India available
  • Not for property powers of attorney or court papers
Notarise with Rupeeflo

Affiliate links

Common questions from NRIs

The admin problems that come up again and again when you live abroad.

Aadhaar, Indian banks, the income-tax portal and most investment platforms send one-time passwords to the mobile number you registered with them, usually an Indian one. If that number lapses, logging in or approving a transaction from abroad gets difficult.

An Indian number also means banks, property agents and service providers in India can reach you on a local number, and you avoid roaming charges when you visit.

You don’t need an expensive plan to keep a number alive. Annual plans and packs from the three main operators (prices as of October 2026, so check the operator before you buy):

Operator and planDataValidityBest for
Airtel ₹1,849 (affiliate link)None1 yearReceiving OTPs if you rarely visit India
Airtel ₹2,249 (affiliate link)30GB1 yearNRIs who visit India at least once a year
Airtel ₹4,9992.5GB a day in India, 7GB abroad1 yearRoaming in 189 countries: 100 minutes (calls to India and local calls) and 200 SMS abroad. In India, unlimited calls and 100 SMS a day
Jio ₹2,7993GB abroad1 yearInternational roaming annual pack for 132 countries, with 100 minutes and 50 SMS
Vi ₹2,9971.5GB abroad1 yearInternational roaming annual pack for 123 countries, with 125 minutes. Based on Vi’s published list, so confirm in the Vi app

The Jio and Vi packs are roaming packs for use abroad, and they keep the number working while you are away. Both operators also sell short roaming packs for single trips.

Yes. Any NRI, adult or minor, with a valid Indian passport can enrol for Aadhaar at an Aadhaar enrolment centre in India, and the usual rule of 182 days’ residence does not apply to NRIs. Details are on the UIDAI website.

Aadhaar is not mandatory for NRIs, but many banks, property registrations, SIM card providers and government services use it for identity checks. If you manage property or accounts in India, or plan a long stay, enrolling on your next trip saves trouble later.

Filing an Income Tax Return (ITR) in India is not mandatory if your Indian income is below the basic exemption limit — ₹4 lakh under the new regime, or ₹2.5 lakh under the old regime (FY 2026-27). However, filing ITR every year still offers several advantages.

1. Proof of Income & Financial Stability
Even if you owe no taxes, a filed ITR serves as proof of income, which can be helpful for:

  • Loan and credit card applications in India.
  • Visa applications, where many countries require tax returns for financial verification.
  • Maintaining a financial record, which is useful for future investments.

2. Compliance & Legal Benefits

If you have investments, property, or financial transactions in India, filing ITR ensures:

  • Compliance with Indian tax laws, avoiding potential legal issues.
  • Smooth property transactions, as past ITRs may be reviewed during sales.

3. Claiming TDS Refunds & Lower Deductions

  • If TDS (Tax Deducted at Source) is deducted from your income, filing an ITR allows you to claim a refund.
  • Regular ITR filing helps reduce or eliminate higher TDS deductions, especially when selling property, as tax authorities check past tax filings before approving lower TDS rates.

4. Claiming Foreign Tax Credit (DTAA Benefits)

  • If you are an NRI paying taxes in your country of residence, an ITR helps claim Foreign Tax Credit (FTC) under DTAA (Double Tax Avoidance Agreement), ensuring you are not taxed twice on the same income.

Final Thoughts

Even when not required, filing an ITR is a smart financial habit. It keeps your financial records updated, prevents tax complications, and can make refunds and treaty claims easier in both India and your country of residence.