Everything an NRI needs to manage money between India and abroad — NRE/NRO/FCNR deposits, gold vs a fixed deposit in your currency, sending money home, UAE loans, and gold customs limits. All in one place, rates updated daily.
Most NRI money questions fall into four buckets. Parking savings in India: an NRE deposit keeps rupees, pays tax-free interest and can be sent back abroad freely; NRO holds income earned in India (rent, dividends) and its interest is taxable; FCNR keeps your money in foreign currency, so a falling rupee can't erode it. Growing wealth: weigh a deposit against gold using our real-data backtester in your own currency.
Sending money home: the rupees you get depend on the exchange rate that day, so watching AED/USD/GBP-to-INR and timing it matters. Bringing gold home: stay within the duty-free allowance (weight-based since the 2026 baggage rules) and know the duty above it. Each card above goes to the live rates and the detail.
Rates are indicative and updated daily; tax and customs rules summarised for general guidance. Not financial, tax or legal advice — confirm the current rules before acting.
NRI money — FAQs
The main options are NRE, NRO and FCNR deposits. NRE (rupee) interest is tax-free in India and fully repatriable; NRO holds India-earned income and its interest is taxable; FCNR holds foreign currency so there is no exchange-rate risk. Compare live rates on our NRI deposit page.
Yes — interest on an NRE fixed deposit is exempt from income tax in India, and both the principal and interest can be sent back abroad freely. NRO interest is taxable and subject to TDS.
Remittance value depends on the exchange rate on the day. Watching the AED/USD/GBP-to-INR rate and sending when the rupee is weaker gets you more rupees. Our currency pages show the live rate.
Yes, within the duty-free allowance (weight-based as of the 2026 baggage rules — about 40 g for men and 20 g for women who have stayed abroad long enough), with customs duty on anything above it. See our carry-to-India guide.