Yogesh Garbyal, Author at The NoBroker Times

Yogesh brings close to 14 years of hands-on experience in digital platforms, with direct, first-hand exposure to how money and credit move across borders. On the client side at American Express, he worked on foreign exchange and international payments spanning the US, UK, Australia, and Singapore, seeing up close the friction NRIs face when moving funds. At fintech firm Zolve, he worked on credit solutions built specifically for Indians relocating abroad. Yogesh writes for NoBroker's NRI Services to bring this real-world, cross-border perspective to readers navigating property and finance decisions from overseas.

NRI Real Estate Guide & Property Tips

ITR for NRI (2026): Complete Guide to Filing Income Tax Return in India

If you are an NRI with income-earning sources in India, then the tax season must be bothering you with a whole array of questions. Do I really need to file a return? What form of ITR should I opt for? Will I be paying taxes twice, once...

Updated on September 16, 2026

NRI Real Estate Guide & Property Tips

NRE vs NRO Account: Differences, Taxation, Benefits & Repatriation Rules

NRE vs. NRO accounts often confuse NRIs handling cross-border transactions. Non-Resident External (NRE) accounts are for foreign income, such as overseas salary, and allow full repatriation. Non-Resident Ordinary (NRO) accounts are intended for Indian-source income, such as rent, pensions, or property income. Tax implications matter because NRE...

Updated on September 16, 2026

NRI Real Estate Guide & Property Tips

What is an OCI Card? Meaning, Benefits, Eligibility & Rules in India (2026)

If you have Indian roots but hold a foreign passport, you may be unsure about your rights to live, work, or invest in India. An OCI (Overseas Citizen of India) card helps bridge this gap by giving you long-term access to India without the need for frequent...

Updated on September 16, 2026

NRI Real Estate Guide & Property Tips

NPS for NRIs 2026 Guide: Tax Benefits, Eligibility, Investment Rules & Withdrawal Explained

Planning for retirement is important for NRIs in 2026, especially when managing investments across countries. The National Pension System is a government-backed, voluntary retirement savings scheme designed to build long-term wealth through market-linked returns. Offering tax benefits under Sections 80C and 80CCD of the Income Tax Act,...

Updated on September 16, 2026

NRI Real Estate Guide & Property Tips

FCNR Account Benefits for NRIs in 2026: Interest Rates, Tax Advantages & Complete Guide

A Foreign Currency Non-Resident (FCNR account is a fixed deposit that allows NRIs to maintain their savings in foreign currencies without converting them into INR. Shielding your principal from INR depreciation and delivering tax-free interest under the Income Tax Act, 1961, these accounts are ideal for NRIs,...