My story behind this
I moved back to Mumbai after 30 years in America. Before I left, I needed to transfer a significant amount of money to India — and what followed was a frustrating exercise in checking multiple services, comparing rates, trying to figure out fees, and still not being sure I had found the best deal.
I transferred $60,000 across six different services. I learned a lot. I also left money on the table that I should not have.
That frustration became this website. If I was going through this, millions of NRIs were too. So I built the comparison tool I wish had existed.
Amish Kapadia
Former Nomura. Moved back to Mumbai after three decades in the US. US citizen, OCI card holder, navigating Indian banking, investments, taxes and remittances from the inside. Writing about all of it at NRI Money Matters.
What we cover
NRI financial life is genuinely complex. We cover the full picture:
Remittances & FX
Which service gives you the best rate for your exact amount and corridor. Updated regularly.
Banking in India
NRE vs NRO accounts, which banks actually serve returning NRIs well, and how to wire money efficiently.
Credit Cards
Which US cards to keep, which Indian cards to get, and how to maintain both financial identities.
Investments
What NRIs can and cannot invest in. Indian stocks, mutual funds, startups — the rules and the reality.
Tax
The crossover between Indian and US tax obligations. FBAR, PFIC, residency status — the stuff that keeps you up at night.
The practical stuff
Aadhaar, health insurance, phone plans, driving licences. The bureaucracy nobody warns you about.
Our editorial promise
We only recommend services we have genuinely researched. Our comparison tool ranks services by what is best for you — not by who pays us the most commission.
Some links on this site are affiliate links. We earn a small commission if you sign up through them, at no extra cost to you. This never influences our rankings or editorial content.
We only list services that meet our editorial standards for reliability, speed and customer service. Not all remittance providers are included.
Who this is for
We write for four kinds of NRI:
Indian citizens living abroad — sending money home, managing NRE/NRO accounts, staying connected to Indian finances from overseas.
Foreign citizens and OCI card holders abroad — navigating the additional complexity of holding a foreign passport while maintaining Indian financial ties.
NRIs who have just returned to India — figuring out how to land, open accounts, sort insurance, manage the transition from two financial lives to one.
NRIs settled back in India with a foreign passport — the most complex situation of all, managing ongoing obligations in two countries simultaneously.
Start with the comparison tool
Find the best rate to send money to India right now — for your exact amount and corridor.
Compare rates → Read the newsletter