💳 PF, Banking & Money
EPF, NRE/NRO accounts, repatriation and money matters.
Articles
Joint Holder, Mandate Holder or Nominee: Who Can Use Your Account?
A nominee is for after you're gone. A joint holder may not help while you're alive. For emergencies, set up a mandate or power of attorney with a trusted person
You Have an Indian Bank Account. Can You Use UPI From Abroad?
You don't need an Indian SIM for UPI anymore. Link your NRE or NRO account to your overseas number, set a PIN, and pay like a local.
Your Indian SIM Expired. Can You Still Get Bank OTPs?
Your Indian mobile number is the key to your Indian accounts. Recharge it yearly, use it monthly, and never let it lapse.
You're Moving Back. What Happens to Your NRE and FCNR Accounts?
Coming home means relabelling your accounts, not breaking them. Inform the bank, let your deposits run to maturity, and open an RFC account to keep your foreign
You Send Money Home Every Month. How Much Is the Exchange Rate Costing You?
The biggest cost of sending money home is hidden in the exchange rate, not the fee. Compare how many rupees arrive, and pick the highest.
Your FD Earns in Rupees. Should It Earn in Dollars?
An NRE FD earns more but rides the rupee. An FCNR deposit earns less but stays in your currency. Spend in India? NRE. Spend abroad? FCNR.