4 Tips for NRIs on How to Effectively Prepare for Paperwork in India and Avoid Multiple Trips

NRI waiting at bank

I have seen a lot of NRIs (non-resident Indians) struggling with paperwork once they land in India. They get frustrated and intimidated. It was during that point I realized I (an ex-NRI) have become accustomed to the system. Probably, because I now have a way to go about it.  

This page aims to provide helpful tips for NRIs planning to do paperwork in India. It could be any paperwork or personal work related to banking, property, tax, applying for Aadhaar, PAN, etc. If you haven’t done it before or do it only once in a blue moon when you land in India, the tips provided will help.

Check if the service is available online

India is turning more digital by the day. Many services can be availed online, including opening a bank account.

By checking the availability of the service online, you can save time and avoid the frustration of the long queues at the establishment. Or even worse – finding out the service is unavailable when you arrive at the location.

Here’s how you can go about it. Before visiting a government office or bank branch, check their website or social media for information on their services. A quick Google search will lead you to the concerned site easily. India has a website for every government-related process, including property tax payments. Once you land on the website, check if they offer the service you’re looking for. Some establishments even allow you to schedule an appointment online or check the status of your applications online.

Call and enquire

If the service is unavailable online, the next step is to call the branch and ask for details. If you skip this step and land directly at the unit, be ready for multiple visits.

Preparing and having all the necessary documents and information ready before heading out to the bank or establishment is mandatory in India to avoid wasting time. By making a call beforehand, you can better understand what documents will be required, what the work timings are, and whether or not the service will be available at the time you plan to visit. This can help you avoid multiple trips and save you time and hassle.

While you call the concerned official, it’s important to remember that the employees you speak with on the phone may be busy and unable to provide all the information you need. It’s important to be persistent and ask the right questions to ensure you have all the necessary information.

Some questions to ask:

  1. What are your work timings?
  2. I am planning to arrive at this time tomorrow. Will the service be available then?
  3. What documents should I carry?

Reach out to customer care

Unable to reach the branch by phone or email? The next option is to contact the organization’s official customer care through email or the phone number provided on their website.

Many establishments, like banks, have dedicated customer care teams that can provide information and assistance over the phone or through email. You can get answers to your questions or resolve issues by contacting customer care without having to visit the branch in person. I make it a point to express my displeasure about not being able to reach the local department while I contact customer care.

When you contact customer service, make sure to have your account number or other relevant information handy so that the representative can quickly find your account and assist you. Also, it is good to note the time and date of the call, the name of the representative you spoke with, and any reference number they might have given you. That way, if you need to follow up, you have all information required.

It’s also good to check with the organization’s website or social media page to see if they have any FAQ sections or chatbots that might help answer your questions.

Understand that processing will take time

India’s system is different than other places, so taking note of that will help to deal with the entire process. Sometimes, things might take longer than expected, and it’s better to be prepared mentally for such scenarios.

Conclusion

Following these steps and being prepared can help you navigate the system more efficiently and effectively. Eventually, you will become more familiar with the process, making things much easier for you in the long run. Hope this helps!

An Ode to My Favorite Products of 2022

Since the year is almost over, I thought I would take a moment to list my favorite products of 2022. Purchases that have improved my life, delicacies I enjoyed, and things that exceeded my expectations.

Most of these products are only available in India. Still, you might want to check out your local Amazon website to see if you get anything similar.

I don’t plan to get into many technical details about these products, as that’s not the intention. It is merely a list of products I loved this year and my brief thoughts on each. I consider them excellent, unconventional gifts as well that are not just easy on the eyes but functional and useful.

1. Atomberg Ceiling Fan – Renesa

This was the first purchase of the year that I absolutely loved. Atomberg ceiling fans have created quite a reputation in a short time. The sleek ceiling fans have been developed by two IIT geniuses. Atomberg fans are entirely manufactured in India. The Renesa variant comes with blue night lights and a remote control that would be useful during those cold, chilly nights. You can easily switch off the fan without leaving the comfort of your bed. It is also said to be energy-efficient, but honestly, I haven’t been keeping track. My electricity charges appear more or less the same because I often use my air-conditioner.

2. Mi Robot Vacuum Cleaner

I purchased the Mi Robot Cleaner during the online sale season. I got it for around 5-6k rupees cheaper, so I recommend you wait for a sale before buying this product. After a lot of introspection, I decided to buy the robot vacuum because I honestly couldn’t find the time to clean every day. I needed help. The vacuum cleaner took some time to adjust to my 2 bedroom-kitchen apartment. It would spin round and round till it would find its way. Give it a few weeks to a month to completely adjust to your home. Note: It would gobble up anything that comes in the way, so I recommend keeping your charging cables and small items away.

3. Yogabar Wholegrain Breakfast Muesli

The dark chocolate and cranberry version felt like love at first taste for me. I am not much of a Muesli fan, but I was mildly surprised by how good this one tasted. It’s a must-buy for all dark chocolate and cranberry fans. The Yogabar Protein Bars are also a favorite (especially the dark chocolate variant).

4. Laneige Lip Mask

My lips tend to get dry, and no lip balms or chapsticks helped. Laneige lip masks were a savior. Apply a thick coat at night and rub it off in the morning. You will be surprised by how soft and subtle your lips are. The plus point is your lips do not get “addicted” to the mask, as in your lips won’t become drier after a few hours. It has a healing effect, unlike most lip balms/masks that tend to make your lips smoother only superficially.

5. Home Plus Magic Atta Kneader

This appliance is most suited for people who don’t like kneading or who cannot knead due to some ailments. Add 2 cups of the dough and mix it with one cup of water. Run for 30 seconds, and you’re done. We prefer adding oil to the mixture to prevent the dough from getting sticky.

6. Girnar Detox Kahua

I just cannot get enough of this green tea. I have lost the number of times I repurchased it this year. It has a spicy, warm taste that can destress you instantly. Usually, we associate green tea with a bland, sour taste (at least I do). I wasn’t much of a green tea fan, but Girnar Kahwa changed everything. In fact, it’s the only green tea I like.

7. Palmer’s Cocoa Butter Daily Skin Therapy Solid Formula

Whenever my skin gets extra dry, I reach out for my Palmer’s cocoa butter cream tub. It comes in a sold consistency, and you must warm it up between your hands before applying. It lives up to its name – it’s definitely healing and therapy for the skin.

8. Women’s Horlicks (Caramel)

I bought the malted milk drink not for its nutritional value but out of curiosity. I remembered having Horlicks as a kid and was intrigued by the new women’s version in the market nowadays. I was pleasantly surprised by its soothing taste.

9. Loyka Almond Brittles

Almond brittle is a type of confectionery. It is made by mixing caramelized sugar with almonds, then spreading the mixture thinly on a surface until it hardens. It has a crunchy texture, complemented by a sweet, nutty flavor. I absolutely loved this particular almond brittle from Loyka.

Dealing with Annoying Questions When You’re Single

Photo by Karolina Grabowska

It’s not easy being a single woman in India.

Everyone is out to advise you on how you should live your life. One hot topic is marriage. The marriage “advisors” (could range from your parents to your friendly neighborhood milk delivery guy) might fight every day with their partners but will not skip a beat to lecture the singles about the benefits of holy matrimony and how much happiness it brings. Outside of their public rants and frustrations involving their better half, there might be a peaceful paradise that they guard secretly, so I would give them the benefit of the doubt and take their word for it. But marriage is not for everyone. I had to get in one to realize it was not for me.

Many in India succumb to arranged marriages because of pressure from family, friends, neighbors, colleagues – almost everyone. I had once faced it. I couldn’t take the pressure and ended up getting married. The relationship suffered from incompatibility issues, and divorce was the best option.

It is a hopeless place – being the epicenter of parental pressure. It can break even those with nerves of steel. It’s not wrong to say that not every Indian gets the chance to experience intimate love because they are forced into marriage before they are ready. It becomes a compromise of sorts where each partner partakes in responsibilities and demands that society expects them to fulfill in the name of love. In between all the cacophony of the daily routine, intimacy loses its way. Life in itself becomes time-tabled because you have things to do and mouths to feed. Where is the time for love in an Indian household?

So how can someone get past this pressure and live peacefully in India as a single person? How to say no to marriage?

Here are some ways you can deal with insufferable questions:

  1. Whenever someone starts with their unsolicited advice, don’t take it with a smile. It is imperative to make your point clear – that you are not looking for unwanted advice.
  2. If no one understands you, move out and reduce contact. This is a harsh step, but if your freedom is important to you, unfortunately, it is the only way. Not everyone can step away as it requires some emotional and financial stability.
  3. Make peace with the idea that you will be emotionally blackmailed by everyone around you. It will never stop, even if you relocate because you can still be contacted via phone calls or WhatsApp. You can only hope they will get used to your way of life one day. In my case, people got fed up with talking to me about topics I am not interested in – like marriage. No one irritates me anymore with the “when are you getting married?” questions. However, it took a divorce for people to leave me alone.

In India, regrettably, most people give in to pressure. They do not wish to offend or disappoint their loved ones. This is understandable, but it also means giving away your freedom of choice to someone. You cannot have it all in India. You’ll have to choose one – your freedom or keeping your loved ones happy.

As a single woman, it was not easy to reach the “other side.” It was like a bumpy adventure with its own blocks and complications. It takes mental strength to go against the norm and stick with it. It is not easy but definitely not impossible.

An Ode to Retiring Rich

Photo by Monica Silvestre on Pexels

I have seen senior citizens in India struggling 5-10 years post-retirement because they didn’t have enough savings. Their financial freedom is ultimately compromised as they become dependent on their children.

One example is my own father.

My dad was the only earning member of the entire family. My mother derived her happiness by not involving herself in financial matters. Numbers made her anxious, and she was fine letting dad make all the financial decisions. He enjoyed a plush job in the Middle East, and we had a wonderfully privileged life. I am eternally grateful for everything that he has provided for us. I went to the best of schools/universities and worked for a bit in the Middle East. Then we all decided to pack our bags and head back to India after dad’s retirement – a much-needed rest for him after 30+ years of service.

Everything went on fine until the 5th year of my dad’s retirement. His anxiety was apparent; he was concerned whether his corpus would last his entire lifespan. I had already started working by then, and I started pitching in. Slowly his mental health deteriorated. It may have been due to a combination of stress and disappointment in his financial matters and his physical health issues. The doctors were unable to help him. My dad, who was an active, cheeky, energetic man, turned silent, desolate, and serious. Since I stayed near my parents, I was a witness to all that they went through concerning their finance. My dad wanted to resume work in his mid-60s, despite his physical limitations, no thanks to his depleting retirement corpus.

I am unsure what went wrong because I never discussed it with my dad. He’s no more (he passed away a couple of years back). When I look at his bank balance, I have so many questions. The most glaring one was – “Where did all the money go?” Then there are others “Did he not save?” “Maybe he saved, but it was not enough for inflation?” “Did he make any bad investment choices?” “Did he not invest in the right retirement schemes?” “Would it have helped if he had invested in some equity, mutual fund, or pension scheme?” My dad had only invested in Fixed Deposits.

You learn by observing the people around you. It was only after I saw my dad’s financial condition that I became aggressive with my own savings and investments. I have no idea whether my plan will work for me in the long run, but I can try. I do not have many lifestyle demands, and I am a minimalist, so that helps.

In the quest to achieve financial independence, I have been reading a lot of personal finance books. My initial few reads were meant for the American audience and they did not help me much. I wanted to read books specific to India. That’s how I first landed upon Monika Halan’s Let’s Talk Money. This has to be my favorite Indian personal finance book so far. Everything is explained clearly and concisely. I have re-read it a couple of times in the hope that her words would sync in deep and become second nature for me. She offers instructions on how to invest for each age group.

The next book that is good for Indians looking into learning personal finance is PV Subramanyam’s Retire Rich. He is a Chartered Accountant who gives some good, solid, no-nonsense advice on how you can carry about your investments. His policy is investing in yourself first, before anything else. Keep aside some money for your retirement and invest in other people and things only after that.

A non-Indian book that greatly impacted me was “The Psychology of Money.” My favorite quotes from the book are also listed on this blog.

Retiring rich is undoubtedly a priority for me. Keep in mind that the word “rich” is subjective. I want to retire “rich” enough for my own needs, but that amount might not be “rich” enough for you. So the first step is to calculate your retirement corpus based on your annual expenses. There are enough online retirement calculators to help you out. If you are in your 20s, start saving/investing now. I am in my 30s now, and my only regret is that I did not start sooner.

An Ode to Saying No to Dowry

Photo by Baljit Johal on Pexels

Yet another day in Kerala. Yet another dowry death.

Vismaya, a 23 year old, who died days after sharing her pics of abuse with a relative, has yet again prompted many to chant “A divorced daughter is better than a dead daughter.” Her parents were very much aware of the abuse she was going through, so was her brother and cousin, but unfortunately, not one of them could save her. There is no single person to blame here. Almost everyone is at fault, including the society.

I am a divorcee. Fortunately, my parents were super supportive, and gave my safety the utmost priority when I chose to leave my husband’s place after yet another episode of abuse. The day I left home was the day my parents came to know that I was facing physical and emotional trauma over many months. I did not want to worry them. Maybe Vismaya felt the same. The difference was, my parents did not tell me to compromise.

Mine was an arranged marriage. My parents and I were, are and always will be strictly against dowry. We always had made it clear when a proposal came by that no dowry would be given. My in-laws and husband said they had no demands, though traditionally their family practiced it.

On our wedding day, amidst all the flurry of activity, it felt odd when my husband quipped happily “(So and so) told me you are wearing a lot of jewelry; that I am a very lucky guy.” It was a hint of what was to come.

The emotional blackmail began on the first day of marriage. My ex-husband’s old relative, with a full authoritative tone, told me to put my jewelry in a locker at their chosen bank. When I naively told him that we usually put our jewelry in our own lockers, he was adamant that I keep it in a new one at the current location. This was odd to me, because I have never heard of such a thing happening in my family before. The women of the family always kept their jewelry in existing lockers. There was no question of transferring or shifting it to the husband’s place. Plus, it is so redundant – why open another locker when you already have one? There can only be one answer.

I consulted my mother, who panicked and told me not to do anything till they arrived. So I kept stalling their attempts to put my assets in their locker. My mother came to visit soon and took away the jewelry. This angered my ex-husband, and things (predictably) went downhill from then on. I remember asking him “Did you marry me for my money?

Physical abuse soon began. Not enough to get me hospitalized, but enough to give me bruises. “There are so many women getting hospitalized, that’s what real physical abuse is!” – he justified his actions to me. I forgave, but could never forget because he would keep repeating it. At the end, I ended the relationship and walked out. I realized my tears did not matter to him, nor my well being or happiness. I was married for just one year.

To all the unmarried women who are reading this, this is something you should note. You will hardly see anyone talk about this anywhere online – how dowry nowadays is rarely mentioned before marriage, camouflaged and hidden, all ready to make a move on its prey when the time is right. Many predators, cunning to the core, have realized that this right time to get what they are eyeing, is not before marriage but after it – when the woman is the most vulnerable, getting accustomed to a new place, confused and dazed. No one is explicitly going to use the word “dowry” but you will get to know from their actions.

Please remember, your current assets are yours alone. This needs to be strictly mentioned before marriage. You need to underline your deal breakers, so that there is no room for confusion. If after marriage, you decide to mutually hold future assets together, that is entirely up to you. But do not let anyone emotionally manipulate you into gaining access to your safety and security. Once you lose control of that, you lose control of your life.

I survived the worst phase of my life because I had solid support. Whenever I see a death or abuse case, it feels overwhelming. A lot of “if only” phrases come to mind.

  • If only, the family had supported her enough. Instead of telling her to compromise, they had told her to come home or “We are coming to pick you up” instead.
  • If only, the victim realized her life is not meant for suffering, to endure everything in silence. That staying married, even if toxic, is not the ultimate goal in life. Happiness is.
  • If only, the society made it easier for women to call it quits when her relationship with her partner becomes irreparable. Instead, mostly, we are told to compromise and adjust more.
  • If only, all men had the guts to strictly say no to dowry, go against tradition.
  • If only, a man’s parents did not put social status on such a high pedestal.

If only…

Many women, like Vismaya, would then still be alive.

An Ode to Cryptocurrency

Photo by Worldspectrum on Pexels.com

I have been staring at crypto news all week.

I have not yet invested in this “asset.” I would prefer calling it an “asset” over “currency” because in India it is not yet a legal tender.

My interest piqued when I heard of India’s involvement in Polygon/Matic. It was all over the news. A person who has not yet invested in crypto (i.e. yours truly) ended up watching a dozen new videos and reading comprehensive news articles on Matic (hello, patriotism), wondering dreamily when she will ever be able to invest in it confidently, without fearing the consequences of strict protocols that the government may or may not enforce later on. I even consumed with much interest a YouTube video on whether Matic would survive after Ethereum 2.0. All this makes zero sense to me as I am a new believer, but my curiosity seems to have taken over, wanting to know the future. All the answers I got were in the positive (for Matic). It has now become a forbidden fruit of sorts.

This is a big shift from how I was a few months back – an overconfident cynic who was pretty damn sure she would never buy crypto. “Too volatile, no regulations, weird names” My reasons were plenty. People change, so did I. Realizing the ever-growing power of virtual currency world over, it would surely be a step back, if India were to ban it completely.

I was proud that India got into the world of crypto (that too successfully), and also felt a bit dejected when the promoters of Matic said they couldn’t promote or advertise it in a way they would like to, because of India’s current stance on virtual currencies. Hopefully with crypto exchanges like WazirX fighting for #IndiaWantsCrypto, the officials will take notice, and newbies like me can also venture into a zone that has gained immense popularity worldwide. Call it FOMO or whatever you wish, but no one can negate the solid growth crypto is experiencing.

I still have to wait though, for the Indian government to make its stand clear. And this the story of many in India. Why?

Because, for a safe investor like me, playing by the government’s rulebook is of absolute importance. India does have a lot of crypto investors, who are fully aware of the risk factors that come with possessing an unregulated asset, but they continue to do so as they are ready to take that risk. Buying and selling crypto in India is not illegal, but the government sending across mixed signals makes it a bit tough for many like me to jump into the bandwagon with surety.

Hopefully, soon enough, we will get to know. Hopefully, by then, crypto would have not lost its charm.