About the Author
Meet Yogesh Garbyal
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.
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Articles Published
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Primary Category
TCS on Foreign Remittance: Complete Guide for Resident Indians & NRIs in 2026
TCS on foreign remittance under the Liberalised Remittance Scheme is a tax collected by authorised banks when resident Indians send money abroad. No TCS is applicable on remittances up to ₹10 lakh in a financial year. Beyond this limit, a 2% TCS applies to eligible education and...
Liberalised Remittance Scheme (LRS): Rules, Limits, Eligibility & RBI Guidelines (2026)
Many people face confusion when sending money abroad due to limited awareness of the Liberalised Remittance Scheme. Introduced by the Reserve Bank of India under the Foreign Exchange Management Act, 1999, the LRS allows resident individuals in India to remit up to $250,000 per financial year for...
Health Insurance for NRI: Plans, Coverage, and Tax Benefits Explained
More than 32 million NRIs send money to India every year, but many still lack health insurance coverage there. NRI health insurance is important because most overseas health insurance policies provide limited or no coverage for medical treatment in India. These plans help NRIs manage healthcare expenses...
GIFT City for NRIs (2026): Investment Options, Tax Benefits & How to Invest
Gujarat International Finance Tec-City (GIFT City) is India's first International Financial Services Centre and a top choice for GIFT City for NRI investments in 2026. Regulated by the International Financial Services Centres Authority (IFSCA), it lets NRIs invest in Indian and global markets through foreign currencies, with...
PIS Account for NRIs: Eligibility, Documents & How to Open in 2026
A PIS or Portfolio Investment Scheme account is a specialised RBI-regulated banking facility through which Non-Resident Indians and Overseas Citizens of India can invest in shares listed on Indian stock exchanges under FEMA regulations. You must link it to a designated NRE or NRO account and serves...
NRI Returning to India (R2I): Complete 2026 Checklist, Tax Rules & Financial Planning Guide
Moving back to India as an NRI involves many financial, tax, and administrative changes. As your residential status changes, you will need to update your bank accounts, KYC details, tax records and other official documents to comply with Indian regulations. While these requirements can seem complex at...
Aadhaar Card for OCI Holders: Eligibility, Documents, Application Process & Rules in 2026
An Aadhaar card for OCI holders is available to Overseas Citizens of India who have stayed in India for at least 182 days in the 12 months immediately preceding their application and have a valid Indian address. Aadhaar is not proof of Indian citizenship, and enrolment must...
NRI Business in India: Complete Guide for Overseas Indians 2026
Starting an NRI business in India is easier than it sounds — you can register a company, invest in eligible sectors, and manage the entire operation remotely, without ever visiting the country. In many sectors, the automatic route permits up to 100% Foreign Direct Investment, and most...
Aadhaar Card for NRI: Complete Guide to Eligibility & Application
An Aadhaar card is a universally accepted proof of identity, address, and date of birth for eligible NRIs in India. It is a legally valid document for completing KYC, filing Income Tax Returns, linking PAN, purchasing, selling, or managing property in India and accessing government services. Although...
RNOR Status Explained: Meaning, Benefits, Tax Rules & How to Qualify
If you are an NRI returning to India, understanding RNOR status is one of the most important steps in planning your taxes. RNOR is a residential tax status under the Income Tax Act, 1961, available to NRIs who become tax residents of India after living abroad. To...
Top 10 NRI Real Estate Websites for Property Investment, Selling and Buying in India 2026
Investing in Indian real estate is a significant financial goal for many Non-Resident Indians (NRIs). However, the process is often complicated by geographical distance, complex legal procedures, and property management challenges. A professional NRI real estate website is designed to solve these exact problems. These digital platforms...
HSBC NRI Account: Features, Documents, Eligibility Criteria and Charges in 2026
The HSBC NRI Account is a specialised financial solution designed to meet the unique banking needs of Non-Resident Indians. HSBC, with its extensive global network, offers a suite of NRI banking services, including NRE, NRO, and FCNR accounts, facilitating seamless management of both foreign and Indian income....
