#\India for nri

[ankitkumar5566]

NRI Passport Renewal & Police Clearance Certificate in India

Get expert help with NRI passport renewal, police clearance certificates for immigration, and green card applications in India. Simplify your process today.

[abhijeetmeenarajput]

What Are the Limits for Remittance of Funds for NRIs Outside India?

Non-Resident Indians (NRIs) frequently transfer funds from India to their overseas accounts for various purposes, including investments, education, and family support. However, the Reserve Bank of India (RBI) has set specific rules and limits on foreign remittances to ensure compliance with financial regulations. Understanding the Lower Tax Deduction Certificate for NRIs and the TDS refund process for NRIs is crucial to avoid excessive tax deductions and ensure smooth transactions.

RBI Rules for NRI Remittances

The Reserve Bank of India (RBI) outlines clear guidelines regarding how much NRIs can remit outside India. These include:

Under Liberalized Remittance Scheme (LRS): NRIs cannot remit funds under the LRS, as it is applicable only to resident Indians.

Repatriation from NRO Accounts: NRIs can remit up to USD 1 million per financial year from their Non-Resident Ordinary (NRO) accounts, provided they follow Form 13 income tax for NRI norms.

Repatriation from NRE/FCNR Accounts: Funds in Non-Resident External (NRE) and Foreign Currency Non-Resident (FCNR) accounts are fully repatriable without any upper limit.

Sale Proceeds of Immovable Property: NRIs can remit up to USD 1 million per financial year from property sales, subject to TDS rate for NRI property sale regulations.

Understanding TDS on Property Sales for NRIs

One of the most critical aspects of remittance for NRIs is TDS for NRI on sale of property. NRIs selling property in India are subject to tax deducted at source (TDS) under Indian tax laws:

TDS on long-term capital gains: 20% (plus applicable cess and surcharge).

TDS on short-term capital gains: Taxed at the applicable income tax slab rate.

Applicability of Form 13: NRIs can apply for a Lower Tax Deduction Certificate for NRIs using Form 13 income tax for NRI to reduce the TDS burden.

Claiming Refund: If excess TDS is deducted, NRIs can claim a TDS refund process for NRIs through income tax filing.

How to Apply for Lower TDS on Property Sale?

NRIs looking to reduce their TDS liability can follow these steps:

File Form 13: Submit a request through the Income Tax Department for a Lower Tax Deduction Certificate for NRIs.

Obtain Approval: If approved, the TDS rate applicable will be lower than the standard TDS rate for NRI property sale.

Submit to the Buyer: Provide the certificate to the buyer before the sale transaction.

Claim Refund (if applicable): If excess TDS is deducted, file for a TDS refund process for NRIs.

When is Form 13 Not Required?

Certain exemptions apply where NRIs may not need to submit Form 13 income tax for NRI:

If the property sale value is below the tax-exempt limit.

If the NRI has no taxable capital gains after adjusting expenses and exemptions.

If remittance is within the annual USD 1 million repatriation limit.

Conclusion

NRIs must be aware of remittance limits, TDS implications, and the requirement for Form 13 income tax for NRI to reduce tax liability. By obtaining a Lower Tax Deduction Certificate for NRIs and following the TDS refund process for NRIs, NRIs can optimize their financial planning and remittance processes.

For more details, visit India For NRI and stay informed about tax regulations and remittance rules.

[j4r-of-flies]

idk why I had such a strong phase when I was younger of calling myself ‘south Asian’ or ‘desi’ in place of Indian. Obviously I know I am those things but what British person calls themselves Western European???

seen in happen to other Indians living abroad who are seemingly ashamed of it ,, some people say it’s more in girls but I disagree cus in general girls abroad (from what I’ve seen) try to suppress their Indian side to make themselves more palatable in west.

Meanwhile many boys I know try to make themselves being Indian the punchline of a joke. (See: basically all NRI ‘comedians’)

& it js pisses me off to see how many people are ashamed of their culture, language, religion etc

the Indians who purposefully make fun of their culture are some of the weakest links ever.

Like ‘hehehe we smell like curry’ 🤪🤪 KILL YOURSELF

[wenellyb]

The Cast of Queen Charlotte: A Bridgerton Story

[certified-yapper-guy]

NRI sanghis vs MAGA is soooo funny lmaooooo

y'all crying racism and suddenly want 'all indians' to condemn it when all you hindu nationalists have done is spit venom and called minorities khalistani, jihadi, rice bag and what not every fucking second.

ab ekdum se bhaichara kyu yaar aa raha?

[kalavathiraj]

Back when I was a kid, I would sit and knit, Clandestine dreams, About Russet red forests, And the Giant Rocky ranges, And I’d often think, “Someday I'd be jogging along the road, somewhere in the countryside of Compassionate Canada.  I'd live in their pretty prairies and chase snowflakes every day.” - ‘first world’ dreams of every Indian

The People Called Family, QUOTUS

[wealth-munshi]

Certified financial manager

Certified Financial Manager: Empowering Financial Success

In today’s fast-paced world, managing personal and professional finances effectively is not just a skill; it’s a necessity. A Certified Financial Manager (CFM) plays a pivotal role in helping individuals and businesses achieve their financial goals, ensuring financial stability, and fostering growth. Platforms like WealthMunshi.com are at the forefront of delivering expert financial guidance, making wealth management accessible to everyone.

Who is a Certified Financial Manager?

A Certified Financial Manager is a financial professional with specialized training and certification to provide expert advice on managing finances, investments, and wealth-building strategies. They are well-versed in budgeting, tax planning, investment strategies, risk assessment, and retirement planning, ensuring clients make informed financial decisions.

Why Choose a Certified Financial Manager?

Expert Financial Guidance: CFMs offer deep insights into financial markets, helping clients optimize their investment portfolios.

Customized Wealth Plans: They provide tailored financial plans based on individual goals, risk tolerance, and time horizons.

Comprehensive Support: From estate planning to debt management, CFMs address a wide range of financial needs.

Risk Mitigation: With a clear understanding of market risks, CFMs help clients safeguard their wealth while pursuing growth opportunities.

The WealthMunshi Difference

At WealthMunshi.com, financial management is not just a service; it’s a mission to empower individuals and families to take control of their financial future. Here’s how WealthMunshi.com stands out:

1. Certified Expertise

WealthMunshi.com collaborates with highly qualified CFMs who bring years of experience in wealth management and financial planning. Their in-depth knowledge ensures clients receive actionable and effective strategies.

2. Holistic Financial Planning

The platform offers end-to-end financial solutions, covering investment planning, retirement strategies, tax optimization, and more. Whether you're starting your financial journey or looking to diversify your portfolio, WealthMunshi.com has you covered.

3. Client-Centric Approach

WealthMunshi.com believes in personalized solutions. Every client is unique, and their financial strategy should reflect their goals, lifestyle, and aspirations.

4. Cutting-Edge Tools and Resources

The platform integrates advanced financial tools and analytics to provide real-time insights, empowering clients to make data-driven decisions.

5. Educational Resources

Financial literacy is at the heart of WealthMunshi’s philosophy. The platform provides educational content, webinars, and one-on-one consultations to help clients understand and navigate their financial options.

Benefits of Working with WealthMunshi.com

Clarity and Confidence: Simplifying complex financial concepts.

Long-Term Security: Building a robust financial foundation for the future.

Maximized Wealth Potential: Identifying and leveraging growth opportunities.

Stress-Free Financial Management: Delegating the complexities to seasoned professionals.

Key Services at WealthMunshi.com

Investment Planning: Strategic advice to grow your wealth.

Retirement Solutions: Secure your golden years with tailored plans.

Tax Planning: Optimize your finances with effective tax strategies.

Debt Management: Create a roadmap to achieve a debt-free lifestyle.

Estate Planning: Ensure your legacy is preserved for future generations.

Steps to Financial Freedom with WealthMunshi.com

Initial Consultation: Discuss your financial goals and challenges.

Financial Assessment: Analyze your current financial situation.

Strategy Development: Create a customized plan to meet your objectives.

Implementation: Execute the plan with expert guidance.

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Conclusion

A Certified Financial Manager is a trusted partner in achieving financial success, and WealthMunshi.com is a reliable platform to connect with these experts. Whether you're looking to save for the future, grow your investments, or achieve financial independence, the right guidance can make all the difference.

Take the first step towards a secure and prosperous financial future with WealthMunshi.com, where expertise meets commitment to help you turn your dreams into reality.

Visit WealthMunshi.com today and embark on your journey to financial excellence!

[ramya7]

 NRI Real Estate in India: 6 Crucial Considerations Before Investing

For NRIs considering **real estate in India**Making informed decisions is essential for a successful investment journey. As the **growth of real estate in India** continues, understanding the landscape can unlock lucrative opportunities. Here are six critical factors to consider before making your investment.

1. Financial Regulations

Before diving into **NRI investment in India**, familiarize yourself with the financial regulations governing property purchases. NRIs can buy residential properties, but it's crucial to understand restrictions on agricultural land and commercial properties.

2. Tax Implications

Tax laws can significantly impact your returns on investment. NRIs must be aware of income tax, capital gains tax, and property tax obligations. Consulting a tax advisor can help clarify these aspects and optimize your financial strategy.

3. Repatriation of Funds

Understanding how to repatriate funds is vital for NRIs. The Reserve Bank of India (RBI) allows repatriation of up to $1 million annually, but certain conditions must be met. Ensure you are aware of these rules to facilitate smooth fund transfers.

4. Property Valuation

Engaging with reputable services like FutureProperty can help ensure you make sound investments. Their expertise in **real estate in India** includes thorough property valuations and insights into market trends, which are crucial for informed decision-making.

5. Location and Growth Potential

The location of your investment can significantly influence its value. Look for areas with high growth potential, as the **growth of real estate in India** is often concentrated in developing urban centers. Research local infrastructure projects and amenities that may boost property values.

6. Legal Compliance

Lastly, ensure all legal aspects are covered. Verify property titles, ownership documents, and any pending dues. FutureProperty offers valuable services to guide you through the legal processes involved in **NRI investment in India**, ensuring a hassle-free experience.

Conclusion

Investing in **real estate in India** as an NRI can be a rewarding venture if approached with the right knowledge and support. By considering these crucial factors and leveraging services from FutureProperty, you can navigate the complexities of the Indian property market effectively. For more insights, feel free to reach out to us.

**Contact Information:**

Address: HIG-35, KPHB, Road No. 1, Behind Karur Vysya Bank, Phase 1, Hyderabad - 500072, Telangana State, INDIA  

Email: info@futureproperty.in  

Phone: +91 7337555121  

For additional information, visit our blog at [FutureProperty](https://www.futureproperty.in/blog/nri-real-estate-in-india). 

For an NRI seeking to invest in real estate in India, understanding the financial landscape is critical. Follow our blog for insights and guidance.

[keykeylocke]

Thoughts on Queen Charlotte Pt 1

Just started watching Queen Charlotte. I'm obsessed. I've never watched Bridgerton, but this is a prequel so I'm not missing important character info.

I have only gotten to episode 3 so far.

I have so many thoughts.

I really love Lady Danbury. She stands up for herself, even against the princess. I felt bad at first because I thought Lord Danbury was ugly. Now that I've done some research I see that they put a lot of make up on Cyril Nri who plays him. I feel like Lady Danbury sort of loves her husband or maybe just wants to make him happy bc that will make him more tolerable to live with. She used her relationship with the Queen to help him get into all the social events he wants.

Another thing I love about the show is the hair. Queen Charlotte's afro textured hair in so many styles is so beautiful. It makes me feel I have the hair of royalty.

It is so cool that Shonda Rhimes has created this society where black people are royals, but discrimination still exists.

[ankitkumar5566]

Apply for PAN Card Online for NRIs in India | India for NRI

Apply for a PAN card in India as an NRI. Get expert assistance with the application form, required documents, and online PAN card application for NRIs

[abhijeetmeenarajput]

What are limits for remittance of funds for NRI outside india?

Non-Resident Indians (NRIs) frequently transfer funds from India to their overseas accounts for various purposes, including investments, education, and family support. However, the Reserve Bank of India (RBI) has set specific rules and limits on foreign remittances to ensure compliance with financial regulations. Understanding the form 15CA and 15CB requirements is crucial for NRIs to avoid legal complications and penalties.

RBI Rules for NRI Remittances

The RBI rules for Form 15CA CB outline clear guidelines regarding how much NRIs can remit outside India. These include:

Under Liberalized Remittance Scheme (LRS): NRIs cannot remit funds under the LRS, as it is applicable only to resident Indians.

Repatriation from NRO Accounts: NRIs can remit up to USD 1 million per financial year from their Non-Resident Ordinary (NRO) accounts, provided they follow Form 15CA for foreign remittance norms.

Repatriation from NRE/FCNR Accounts: Funds in Non-Resident External (NRE) and Foreign Currency Non-Resident (FCNR) accounts are fully repatriable without any upper limit.

Sale Proceeds of Immovable Property: NRIs can remit up to USD 1 million per financial year from property sales, subject to TDS on foreign remittance by NRIs.

Understanding Form 15CA and 15CB Requirements

To remit funds from India, NRIs must comply with foreign remittance Form 15CA requirements. This involves:

Form 15CA CB for NRIs: A declaration of remittance required by the Income Tax Department.

Applicability of Form 15CA CB for NRIs: This form is mandatory for payments exceeding INR 5 lakh or if required under tax treaties.

How to File Form 15CB Online for NRIs?

NRIs can submit Form 15CA for transfer from NRO to NRE online through the Income Tax e-Filing portal. The process includes:

Obtain Chartered Accountant (CA) Certification: Before submission, NRIs must obtain 15 CB form certification from a CA.

Filing Form 15CA: This can be done electronically.

Submit to the Authorized Dealer (Bank): The filled form 15CA and 15CB must be submitted to the bank for processing the remittance.

When is Form 15CA and 15CB Not Required?

Certain transactions are exempted under 15CA CB exempted purpose codes, such as:

Remittances for foreign education and medical treatment.

Transfers from form 15CA for NRI within permissible limits.

Payments to embassies and government institutions.

Validity of Form 15CA for NRIs

The validity of Form 15CA for NRIs depends on the financial year in which it is submitted. If not used within the same financial year, a fresh submission may be required.

Conclusion

NRIs must be aware of the remittance limits and the necessary compliance with foreign remittance 15CA 15CB to ensure smooth transactions. The key takeaways include:

Compliance with Form 15CA CB online for NRIs.

Following form 15CA for foreign remittance guidelines.

Staying updated with TDS on foreign remittance by NRIs.

For more details, visit India For NRI and stay informed about remittance rules and tax implications.

[exotic-indians]

[theinsomniacindian]

When I was five, I overheard my friends' friend Tamara telling them that she was moving to Poland and that there wouldn't be school over there.

She obviously meant that the summer vacation would be ongoing but my idiotic self jumped to Poland having no schools at all, making me want to move there myself.

Two years later, I was working on an assignment related to the Warsaw Basilisk and I wanted to check where Warsaw was as it was the first time I'd heard the name.

I can't tell you how disappointed I was when I found out that Poland was a regular country like mine and not a wonderland where schools weren't a thing.

[samarthcapital]

How Can NRIs Invest in India With NRI Services?

Non-resident Indians (NRIs) hold a unique position in the Indian economy. They are not only a valuable source of foreign exchange, but also a potential force driving the country's growth story. Navigating investments in India can be a bit confusing for NRIs. Understanding where and how to invest amidst regulations, tax implications, and diverse options can feel tricky, which is why, NRIs willing to invest in India can rely on NRI services, which make investing easier as per the rules set by RBI and SEBI under the Foreign Exchange Management Act (FEMA).

Where Can NRIs Invest in India?

NRI services encompass a range of financial solutions tailored specifically for non-resident Indians seeking to invest, manage their wealth, and connect with their homeland. It is vital to understand where NRIs can invest in India.

Equities

NRIs can invest directly in Indian stocks through the Portfolio Investment Scheme (PIS) by the Reserve Bank of India (RBI).

Mutual Funds

Investing in Mutual Funds offers various choices like Equity, Balanced, Bond, and Liquid Funds. Unlike direct equities, NRIs investing in Mutual Funds do not require PIS permissions from RBI. However, some restrictions may apply to NRIs from the US and Canada due to reporting regulations.

Government Securities

NRIs can invest in government securities on NRE and NRO basis, each with different tax implications based on the type of investment.

Fixed Deposits

Investment opportunities in fixed deposits are available for NRIs through Banks or Non-Banking Financial Companies (NBFCs), each with its tax implications based on the NRE (Non-Resident External) or NRO (Non-Resident Ordinary) basis. NRIs can also invest in Foreign Currency Non-Resident (FCNR) fixed deposits.

Real Estate

NRIs can invest in real estate except for certain property types like agricultural land, farmland, or plantations.

National Pension Scheme (NPS)

NPS, a retirement savings plan, offers tax benefits. Contributions can be made from NRE or NRO accounts, but the pension must be received in India.

Portfolio Investment Scheme (PIS)

PIS allows NRIs to trade in shares and debentures through a designated bank account. It helps regulate NRI holdings in Indian companies, preventing breaches of set limits.

How Experts Simplify NRI Services?

Experts like Samarth Capital simplify the investment process by providing guidance, ensuring NRIs make informed decisions aligned with their goals. Here’s how they make investing easy for NRIs.

Helping open NRE / NRO savings and PIS bank accounts.

Setting up brokerage and demat accounts for trade.

Monitoring your portfolio regularly.

Engaging tax consultants for compliance.

Understanding Taxes and Rules

For NRIs, it's crucial to understand tax implications in India and their country of residence. Compliance with the Double Tax Avoidance Agreement (DTAA) and filing taxes in India if taxable income exceeds the exemption limit is important.

Wrapping Up

Investing in India as an NRI offers diverse opportunities. With guidance and a grasp of regulations, NRIs can navigate this landscape effectively and make the most of available avenues. Samarth Capital, not only facilitates NRI investments but also helps foreigners invest in India with FPI services. So, whether you're an NRI or a foreigner, investment in India isn't a far-fetched dream anymore.

[camyfilms]

QUEEN CHARLOTTE 2023

I know that no one who looks like you or me has ever married one of these people ever, but I cannot question. Because I cannot make an enemy of the most powerful nation on Earth. It is done, so shut up. Do your duty to your country and be happy.

[claudia1829things]

Ranking of “QUEEN CHARLOTTE:  A BRIDGERTON STORY” (2023) Episodes

Below is my ranking of the episodes of “QUEEN CHARLOTTE:  A BRIDGERTON STORY”, the prequel spin-off of Netflix’s “BRIDGERTON” series. Created by Shonda Rhimes and directed by Tom Verica, the limited series starred India Amarteifio and Golda Rosheuvel:

RANKING OF “QUEEN CHARLOTTE:  A BRIDGERTON STORY” (2023) EPISODES

1.  (1.03) “Even Days” - The recently married Queen Charlotte and King George III grudgingly perform their marital duties. Lady Danbury wants to host a ball to continue the Great Experiment, the integration of the realm’s segregated upper-class.  The Queen’s secretary Brimsley spies something curious on George’s Coronation Day.

2.  (1.06) “Crown Jewels” - In the finale, Charlotte demands a declaration from George ahead of the king’s arrival in London for his appearance before Parliament.  Lady Danbury and the King’s mother, Augusta Dowager Princess of Wales, cross swords over the Great Experiment.

3.  (1.04) “Holding the King” - George's hidden mental struggles - and the extreme measures he has undertaken for a chance of future happiness with Charlotte - finally come to light.

4.  (1.01) “Queen to Be” - Betrothed against her will to George, young Charlotte of Mecklenburg-Strelitz arrives in London on her wedding day and faces scrutiny from the monarch's cunning mother.  Upon realizing that Charlotte is darker than she had assumed, the Dowager Princess of Wales invites several prominent people of color to the wedding and grants them titles on her son's behalf, effectively desegregating society.  In 1817, Queen Charlotte learns her only legitimate granddaughter, Princess Charlotte of Wales, has died in childbirth, kicking off a succession crisis.

5.  (1.05) “Gardens in Bloom” - Charlotte reaches out to George as she comes under the watchful eye of her mother-in-law, who has become an unwelcome houseguest. Lady Danbury ponders the future during daily walks.  And in 1817, Violet, Dowager Viscountess Bridgerton confides with Lady Danbury about her needs before stumbling upon an old family secret.

6.  (1.02) “Honeymoon Bliss” - Frustrated by her first days of marriage to the mysterious and mercurial king, a lonely Charlotte finds a confidante and adviser in Lady Agatha Danbury.