NRI Guides for the United States
The US-India relationship adds a second tax system, a second set of reporting forms, and a real decision every time you send money home: which service actually gets the most rupees to the other end. These three guides cover that layer specifically. For the India-side rules that apply no matter where you live, see the general NRI guides below.
USA-specific guides
How to Send Money From the USA to India →
A real cost comparison of Wise, Remitly, WorldRemit, Xoom, and bank wire, and why the advertised fee is not the whole story.
US-India DTAA Guide →
Form 8802/6166, the W-8BEN mix-up, claiming the US foreign tax credit, and FBAR/FATCA reporting for NRE and NRO accounts.
US Tax Filing Basics for NRIs →
What a US tax resident with India-source income actually needs to report, and how it connects to the India-side filings.
General NRI guides (apply from any country)
Which account to use for salary, rent, and pension.
How the treaty system and Form 41 claim process work in general.
The USD 1 million NRO cap and required forms.
TDS rates, the lower-deduction certificate, and repatriation.
EPF interest, tax-free withdrawal, and the EPS 10-year rule.
Frequently asked questions
Why does the US get its own guides before the UK, Canada, or Australia?
The United States accounts for roughly a quarter of all money remitted into India, the largest single share by country according to RBI data, well ahead of any other country. The other major NRI destinations are planned next.
I am a US citizen of Indian origin, not a visa holder. Do these guides still apply to me?
Yes. US tax residency for reporting purposes (FBAR, FATCA, the foreign tax credit) applies to US citizens and green card holders the same way it applies to other US tax residents, regardless of when you last lived in India or whether you still hold Indian citizenship.