USD$ = 94.86₹ down 0.11 percent since the previous update• GBP£ = 126.14₹ up 0.30 percent since the previous update• EUR€ = 106.47₹ down 0.02 percent since the previous update• CAD$ = 66.90₹ up 0.12 percent since the previous update• AUD$ = 65.88₹ down 0.21 percent since the previous update• AED = 25.87₹ down 0.08 percent since the previous update• SAR = 25.34₹ down 0.04 percent since the previous update• JPY¥100 = 60.09₹ down 0.07 percent since the previous update• SGD$ = 74.02₹ down 0.04 percent since the previous update• NZD$ = 53.61₹ up 0.56 percent since the previous update• SEK = 9.54₹ up 0.10 percent since the previous update
IST: 00:00 PM
IST:
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NRIWallah — free calculators and guides for Non-Resident Indians

Your tax, home and family across two countries

Pick where you live and what applies to you. Every tool here is free, with no sign-up.

Where do you live?

What applies to you?

Tax on your Indian income, in both countries

India, as an NRI

→

Taxfix: help with UK Self Assessment · TaxBuddy: file your Indian tax return (partners)

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

TaxBuddy: file your Indian tax return (partner)

TaxBuddy: file your Indian tax return (partner)

TaxBuddy: file your Indian tax return (partner)

TaxBuddy: file your Indian tax return (partner)

TaxBuddy: file your Indian tax return (partner)

TaxBuddy: file your Indian tax return (partner)

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 · VakilSearch: an Indian will (partners)

VakilSearch: an Indian will (partner)

VakilSearch: an Indian will (partner)

VakilSearch: an Indian will (partner)

VakilSearch: an Indian will (partner)

VakilSearch: an Indian will (partner)

VakilSearch: an Indian will (partner)

VakilSearch: an Indian will (partner)

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.

Every NRIWallah calculator and guide

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

Tax in India and where you live

Buying a home in where you live

Wills and family

Rent or savings in India

Selling property in India

Moving back to India

Sending money home

Guides for every country

Two countries, one set of decisions

Living abroad means running your money under two rulebooks at once. Your salary is taxed where you live; the flat in Pune is taxed where it stands. A transfer advertising “zero fees” still takes its cut in the exchange rate. A UK lender wants records your Indian bank has never issued. Little of it is hard; it is just scattered across portals that were never designed to talk to each other.

NRIWallah brings it into one place. We’re a free, independent resource for Non-Resident Indians: no sign-up, no paywall, and no calculator that holds its answer hostage until you hand over an email address.

Start with the number. NRICorner has 40+ calculators built for cross-border situations rather than domestic ones — compare remittance rates before you send, model home-loan EMI in India versus abroad, weigh renting against buying in India, check what TDS a property sale will trigger, or work out which residency status you actually fall under this year.

Then read the rule behind it. Guides on Indian and host-country tax, life cover and family protection, mortgages and buying property, and banking, NRE/NRO accounts and investing — written for people filing in two systems, not one.

Filtered for where you live. The rules diverge sharply by country: a guide written for an NRI in Dubai will actively mislead one in Toronto. The NRIHub collects what’s relevant to NRIs in the UK, US, UAE, Canada, Australia, Singapore, and Germany.

Exchange rates refresh daily, every page carries the date it was last reviewed, and we’re open about how we make money and how we research. Nothing here is personalised financial advice — for that, speak to a qualified adviser in your country of residence.

Featured next steps

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

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

For US NRIs with Indian income

File your US tax return with India income support

TaxBuddy US helps you file your federal return with proper reporting of Indian income, TDS credits, and FATCA compliance.

US return filing support

  • US federal return preparation
  • Indian income and TDS reporting
  • FATCA and treaty relief guidance
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

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

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

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

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 ₹1,849None1 yearReceiving OTPs if you rarely visit India
Airtel ₹2,24930GB1 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 ensures maximum tax benefits in both India and your country of residence.