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NRI Retirement Planning

Pension, EPF, NPS & Return to India

MW

CA Mayank Wadhera

CA | CS | CMA | IBBI Registered Valuer · MKW Advisors

Updated March 2026
Withdrawable
EPF
Ext. till maturity
PPF
Available
NPS
Tax-efficient
SWP

QUICK ANSWER

NRIs can withdraw EPF after leaving India. PPF accounts continue till maturity but cannot accept new deposits. NPS is available to NRIs with tax benefits. Returning NRIs get RNOR status for 2-3 years, protecting foreign income.

EPF withdrawal rules, PPF continuation, NPS for NRIs, pension taxation, SWP strategies, and planning for returning to India.

RetirementPensionEPFNPS

NRI Retirement Planning — Pension, EPF, NPS & Return to India (2026)

Quick Answer

Can NRI continue PPF account?

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Frequently Asked Questions

Can NRI continue PPF account?

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EPF withdrawal for NRI

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NPS for NRI India

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Retirement planning for NRI returning to India

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How much corpus does NRI need to retire in India?

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Source Transcripts

85 videos analyzed, 3,859,188 total views

1. How Rich Investors Save ₹50–60L Tax on a 5Cr Corpus After Retirement? | Kapil Jain | Enrichwise

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तो पापा एक 5 करोड़ के कॉरपस पे अगर आप रिटायर्ड हो तो 50 टू 60 लै टैक्स कैसे बचा सकते हैं? तो अगर आप रिटायर्ड हो मान लो और आपके पास एक 5 करोड़ का कॉर्पस है तो आप दो आपके पास ऑप्शंस हैं। आप या तो उसको पेंशन प्लान में रख दो कोई LIC जैसे पेंशन प्लान में फॉर एग्जांपल मान लो आप 8% अर्न कर रहे हो तो 8% पे आप अर्न करो कितना करोगे? अबाउट 40 लैक्स। 40 लाख। और अब मान लो आप 30% में हो ऑलरेडी स्लैब्स के पार हो तो आपको कितना टैक्स आएगा? 12 लाख आ जाएगा। अगले साल कितना आएगा? सेम ₹1 लैक्स। 12 फिर अगले साल? 12 लाख तो ऐसा आते रहेगा। करेक्ट? बट मान लो यही 5 करोड़ आप एसडब्ल्यूपी में डालते हो। यानी कि कोई डेप्ट फंड्स या हाइब्रिड कैटेगरी मान लो डेप्ट फंड्स ही ले लेते हैं और वो भी 8% रन कर रहा है। तो फर्स्ट ईयर आप अर्न कितना करोगे? 40 लै उस पे टैक्स कितना आएगा? 12 लाख अ नहीं 40 लै पे 8% रफली गेन बुक होगा। कितना बुक होगा गेन? 3.2 लैक्स 3.2 लैक्स और 3.2 लै पे 30% आएगा। यानी कि गेन कितना आएगा? अबाउट 96000 टू 1 लाख। 1 लाख एफडी में 12 लै आया था। यहां 1 लाख अगले साल सेम ₹1 लै वहां पे आप टैक्स दोगे यहां 1 लाख अगले साल...

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2. 9 Mistakes Which Can Ruin Your Retired Life - A Must Avoid Checklist To Follow

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dear viewers welcome to this edition of your life your money what is that I'm going to talk to you in this episode about your retirement you have worked hard to build the retirement corpus now you are about to retire or you have just retired in this episode I am going to talk to you about nine ways your retirement can get ruined that's because of your negligence let's understand these nine points a little bit in detail this is NRA many clinic for you and I am Dr Chandra Khan but your financial guide for a happy living [Music] new hype just the right advice [Music] dear viewers let us look at these nine points which can ruin your retirement one by one point number one overspending on your children's education you have to be very very careful late marriages have a problem because of which children arrive late in the families by the time you retire your children are still studying or you may have unfinished responsibilities towards your children when it comes to question of children paren...

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3. How Do You Say You Have Enough Money To Retire ?

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do you have enough money in your account so that you can safely retire how can you say that i have enough money and i am ready to retire this is a very complex question many people do not have an answer for this particular question in this video i will try to argue and see when can you say i have sufficient enough money and i can safely retire this is dr chandra khan but investment consultant and financial planner for nri money clinic [Music] nri money clinic no hype just the right advice [Music] retirement years otherwise known as the golden years are the best years of a person's life everybody wants to enjoy their golden years but if you look at the statistics over 90 percent of the people who retire from work they will never have their golden years what's the reason the reason is under preparedness for retirement years they do not know how long they are going to leave they do not know how much money they have they do not know how much it is going to cost during the retirement years...

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4. FINANCIAL PLANNING TIPS FOR BEGINNERS - AGE GROUP 25 TO 35

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हेलो व्यूअर्स मीनिंग ऑफ हैं सब्सक्राइब बटन दिस चैनल आर्यन जेनरेशन पीपल देव फॉल इनटू द बैंड आफ twenty-five 235 दर्स मीन ठाट यू हैव रिक्वेस्टेड मी टू योर मैसेज टो प्रोड्यूस वीडियो कॉन्फ्रेंस प्लानिंग टिप्स विच एप्लीकेबिलिटी इन थिस एपिसोड एंड सब्सक्राइब अवर इनवेस्टमेंट इनवेस्टमेंट कंटेंट एंड मोर हुआ है कि नारायणमूर्ति ने लुट चैंपियन ट्रॉफी इस को शेयर इज माय फ्रेंड टिप्स नंबर वन फोन डरावना शॉर्टकट्स इन लाइफ आईएस शॉर्ट लाइफ इट्स डिफिकल्ट सेट थे फीयरलेस पर्सन हुई स्पेंडिंग लॉट्स आफ टाइम ओं थे इंटरनेट यूजर बिलीव्ड बाय रिस्पेक्टिव क्रिएट लॉट ऑफ मनी बाय ट्रेडिंग को डीप मनी बॉएड * क्रिप्टोकरेंसीज को डेवलपमेंट बिलीव्ड ठाट यू विल मेक लॉर्ड आफ मनी ट्रेडिंग फ्यूचर्स एंड ऑप्शंस व्यक्ति को को माय बेवर्ड 909 सब्सक्राइब क्रिएटिव वर्क सबस्क्राइब नाउ टू रिसीव न्यू न्यू टू मेक मनी इन नो टाइम फॉर लव यू टू डू सब्सक्राइब कम्स टो बिल्ड योर वेल्थ इवन टुडे YouTube चैनल को सब्सक्राइब करें है अब वेरी वेरी सक्सेसफुल इन्वेस्टमेंट रनिंग पेंशन प्लान टिप्स नंबर टू यू मस्ट वर्क फैंसी कोट प्रोफेशनल एडवाइजर्स डे डू इट इज...

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5. NRIs: Prioritize These Issues on Your Next India Visit

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Hello everyone, welcome to this episode of your life your money. How often NRS keep complaining India is a bad country. Systems are not in place. We can't do these things. I don't get an OTP. There is no cooperation from bank stuff. Complaints gallor. Now you decide that you can put all these things to rest with a few action points that you can take during your next India visit. Whenever that happens, please make a list of these things that I'm going to talk to you in this video. Prepare yourself for it. If required, keep in couple of days extra or as soon as you come back to India, you start attending to this. If you are able to sort out this issue going forward, you'll not have a reason to complain that things are not working normally in India. This is NR money clinic for you and I am Dr. Chundra Kanut, your financial guide for a happy living. [Music] NRI money clinic. No hype, just the right advice. Are you a NRA living outside of India for more than 10 years? Have you dreamt of a r...

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6. Link Your Aadhaar & Pan Card Right Now Here Are The Things Every NRI Must Know

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dear viewers recently there has been a notification from government starting from 1st of April if you do not link your plan with the other card the fan that you're holding will become inoperative for the last couple of years government has been talking about this extending the deadlines and constantly extending the deadlines it gave an impression that the government is not serious and it will constantly keep changing the deadline but subsequently government said that now to link other and pair you have to pay a penalty of thousand rupees now government has moved on from there and now it is telling from 1st April if you have not linked your other end pan your pan card is going to become inoperative in this episode the expert of the week chartered that content sriram is going to talk to you about all consequences that might follow in the event that you have not linked your other and path this is NRA money clinic for you and I am Dr Samuel Khan but your financial guide for a happy living...

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7. Do THIS to Retire Rich in India!

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Picture this. You're sitting in your overseas house, successful career behind you, but something's pulling at your heart. That smell of fresh chai, the warmth of family gatherings, the familiar chaos that somehow feels like home. You're not alone in feeling this way. Indians have conquered the world, holding influential roles in leading companies and driving innovations in technology and finance. We are celebrated globally for our resilience and achievements. Today, India is the origin of the largest number of international migrants worldwide with around 1.8 crore Indians living abroad according to the 2024 UN migration report. For decades, this was called brain drain. But here's what's fascinating. The tide is turning. A recent survey by a fintech platform found that 60% of NRIs in major diaspora hubs like the US, UK, Canada, Australia and Singapore are seriously considering retiring in in India. This isn't just nostalgia talking. It's brain circulation driven by emotional ties, cost...

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8. File ITR 1 with form 16 AY 23.24 || New Tax Regime || How to File Income Tax Return

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जय हिंद दोस्तों स्वागत है आपका हमारे युटुब चैनल पर दोस्तों इस वीडियो के अंदर हम आपको आइटीआर वन भर के दिखाएंगे अगर आपकी सैलरी की इनकम आई है तो आपको दोस्तों फॉर्म 16 मिलता होगा बहुत सारे लोगों को उनके एंपलॉयर से फॉर्म 16 मिलता है इस फॉर्म 16 के दो पार्ट होते हैं दोस्तों पार्ट ए और पार्ट बी पार्ट ए के अंदर ज्यादा इनफॉरमेशन आपके कम की नहीं होती है पार्ट बी पर सिंपली आपको ए जाना है यहां पे जैसे आएंगे तो दोस्तों आपको यहां पे जिसने आपको ये फॉर्म 16 दिया है उसका एड्रेस ए जाएगा यहां पे आपका नाम और एड्रेस ए जाएगा यहां पे 10 पान नंबर और 10 नंबर ए जाएगा आपके डिडक्टर का जिन्होंने आपको ये फॉर्म 16 दिया है इसके बाद में यहां पे आपका पान कार्ड ए जाएगा यहां पे आपका जो उनका जो टीडीएस का जो चित लगता हैं कमिश्नर लगता हैं वो ए जाएंगे एसेसमेंट एयर दोस्तों 31 मार्च 2023 का जो मटेरियल है वो 23 24 होगा और ये जो एक कर तेजी से 31 3 23 का फाइनेंशियल एयर भी दोस्तों यहां पे ए चुका है अब इसके बाद में नेक्स्ट एयर वन ए जाएगा ये देखिए आपको यहां पे डिटेल ऑफ सैलरी पेड़ की यहां पे डिटेल ए जाएगी वेदर ऑप्टिंग पर टैक्सेशन अंद...

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9. ITR Filing Not Mandatory For These Senior Income Tax Act 2025 New Update ITR Filing Exemption

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जय हिंद दोस्तों, बहुत-बहुत स्वागत है हमारी इस इंफॉर्मेटिव वीडियो के अंदर। आप सब लोगों को पता होगा 1 अप्रैल 2026 से इनकम टैक्स एक्ट 2025 लागू हो जाने वाला है। तो बहुत बड़े और ड्रास्टिकली चेंज यहां पर आए हैं। आज हम बात करेंगे ऐसे कौन से सीनियर सिटीजन हैं। हालांकि अगर आप सीनियर सिटीजन हैं आपके घर में अडोस में पड़ोस में है तो सबसे पहले हम उनको सादर प्रणाम करते हैं कि पूरी लाइफ उन्होंने देश के लिए काम किया है। अब दोस्तों जब बात आती है इनकम टैक्स डिपार्टमेंट की पूरी तो नहीं लेकिन थोड़ी बहुत राहत कुछ सीनियर सिटीजन को यहां पे देने की कोशिश की है। तो आज हम बात करेंगे आईटीआर नॉट मैंडेटरी फॉर सीनियर सिटीजन। तो ऐसे कौन से सीनियर सिटीजन हैं? उनकी क्या कंडीशंस हैं जिसके बारे में आज हम इस वीडियो में विस्तार से बात करेंगे कि किन सीनियर सिटीजन को आईटीआर भरने की जरूरत नहीं है। तो सबसे पहले हम टाइप ऑफ इनकम जान लेते हैं। एक व्यक्ति सिर्फ और सिर्फ पांच तरह की इनकम कमा सकता है। इस चीज को आपको ध्यान देना है दोस्तों। पांच से ज्यादा इनकम वो नहीं कमा सकता है। पहली होती है सैलरी या पेंशन की इनकम जो लगभग सीनियर स...

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10. Retire With Grace A Step By Step Guide Part 2 By Gerard Colaco

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dear viewers welcome to this episode of expert speaks this is part two of our series on preparation for retired life today's topic is termed as Financial Freedom during your retired life and leading a good retired life this is NR money clinic for you and I'm Dr Chandra Khan but your financial guide for a happy [Music] living NRI money Clinic no hype just the right advice dear viewers this is part two on this series of preparations for retirement planning if you have not watched the part one I sincerely request you to watch part one and then watch part two we'll be giving a link for you in the card section here about as well as in the description box for part one of this video if you watch both these you will get a complete information the expert of the week is highly respected Mr Gerard colaso who is a practitioner with more than four Decades of experience has helped thousands of families during these four decades to create a very safe secure retired life let's listen to what Mr Gerard...

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11. ARE ULIPS REALLY BAD PLANS TO INVEST ? By Dr. Chandrakantha Bhat

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many people are of the opinion that ulips are not good investment vehicles their argument is in case of elifs insurance and investment gets clubbed together because of which your returns are sub-optimal is it the truth does the facts and figure tell that whether this argument is right or wrong in this episode i am going to discuss everything about these ule plans that you need to know i will put up the facts and figures in front of you and leave the judgment to your hands whether the eulipse are really the bad plans or they are just made to appear as the bad plans this is nri money clinic for you and i am dr chandra khan but investment consultant and a financial planner [Music] nri money clinic new hype just the right advice here in this episode i am going to compare the mutual funds versus the eulipse for the sake of comparison and for easy understanding of the subject i will pick up a product called signature from icic potential life insurance company now before i proceed here a disc...

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12. TAXATION OF GIFTS RECEIVED - Here Are The Things You Need To Know

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dear viewers this is a special episode on nri money clinic i have picked this topic based on the comments that you have made you have asked us to do a video on who can receive gifts and the gifts that they receive should not attract the gift tax this is nri money clinic for you and i am dr chandra khan but investment consultant and a financial [Music] planner nri money clinic no hype just the right advice [Music] dear viewers to talk about who can receive gifts without attracting the gift tax i have brought to the studios my eminent faculty cas rerambra ca sri ram rao he is very familiar to you he is a practicing chartered accountant an expert on international taxation a man who has helped several high net worth individuals across globe in solving their tax matters welcome to this show mr sri sri ram thank you mr shira our audience is constantly asking us through various comments they want clarity on who can receive the gifts there are genuine issues they are trying to look for answers...

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13. WHEN SHOULD YOU BUY YOUR DREAM HOUSE?

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झाल वीडियोस भाग्य होम मिनिस्टर यू लीव थिस मेजर लाइक गोल्ड फॉर मोस्ट पीपल नीड टो बाय ए हाउस अट सोम प्वाइंट आफ टाइम इन लाइफ बट व्हेन इज द टाइम फॉर उस टो टॉक अबाउट सब्सक्राइब एंड ट्राइड टो अराइव अट थे नेशनल वे आफ लुकिंग अट थिस पार्टिकुलर प्रोबलम व्हेन थे राइट टाइम टो बाय योर हाउस एंड इन्वेस्टमेंट प्लान अ अ [संगीत] कि नारायणमूर्ति ने न्यू हाइपर एक्टिव वॉइस कि दिवस त्रिकोणासन 12367 लॉक डाउन इन थे सिटी आफ Android पुलिस सिचुएशन विल कंटिन्यू फॉर ए कपल आफ मोरवी ज्ञान टिप्स पर मित्रों वॉटर फैसिलिटी त्यौहार रिकॉर्डिंग आफ वीडियोस फ्री क्वालिटी बेस्ट वीडियोस प्रोडक्ट व माकपा एलिफेंट यस्मिन डोर वेस्ट वॉटर साइकिल प्रेड हैव एडवर्स सिचुएशन नॉर्मलाइज्ड यू कैन एक्सपेक्ट बेटर क्वालिटी वीडियोस फ्रॉम आउटसाइड इन थिस एपिसोड एंड वांट टो टॉक टो ऑल मोस्ट व्यूड बाय द हाउस इन विच यू वांट टो लीव थे डिस्कशन टुडे इज रिलेटेड टू नीड बेस्ड हाउस डेडिकेशन इज नॉट व्होम ऑल वेयर इश्यूड बाय प्रॉपर्टी सर नॉट व्हाट किंड आफ प्रॉपर्टी स्टूडियो वाइफ इज द प्रॉपर्टी ऑफ बंसल कमर्शियल और वेदर इट्स वे इनटू ए रेजिडेंशियल दक्षिण अपॉइंटमे...

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14. SANCHAY PLUS FROM HDFC LIFE: PLAN DETAILS Part 2

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आज भी व्यूअर्स दिस पॉइंट टू ऑफ रिव्यू आफ सन्डे प्लांस फ्रॉम एचडीएफसी लाइव जय हिंद इस पार्ट एंव * इसको स्पेसिफिक फीचर्स डिफिकल्ट आप लाख लेकिन सब्सक्राइब पॉइंट टू मीट सूटेबल हाउ ई कैन बेस्ट मेक यूज दिस पर टिक लाइक ऑल दर डीटेल्स अरे अगेन दिस पॉइंट टू द वीडियो इस एनर्जी मिनिस्ट्री आफ आयुष डॉक्टर से इनवेस्टमेंट कंसलटेंट एंड फाइनेंशियल प्लानर अ [संगीत] 110 बुलिटिन लुटा इस हेलो व्यूअर्स आपको सिंह में पार्ट वन ऑफ रिव्यू आफ थिस पार्टिकुलर प्ले मिनी और फिर हैव कमेंटेड ओं हाउ टो डिस्पले इन केसेस आफ सेंटेंस पेट तस्वीर विंटेक राइट क्लिक प्लांस फॉर मेंटल टेंशन प्रेजेंटेशन आफ बजट 2.5 इंटरव्यू टिप्स इवन टुडे इज गोल्ड चैनल को सबस्क्राइब ट्रेडिशनल इंश्योरेंस प्लान सबस्क्राइब नाउ अवतार द ओल्ड सब्सक्राइब सब्सक्राइब कीजिए समथिंग विच आईएस सिमिलर टो ए लिप लॉक 10 समथिंग विच कंपनी 228 पेंशन प्रोडक्ट और दुष्कर्मी कंप्लीट ब्लड बैंक की टीम नऊ लेट उस लुक अट विच कैटिगरी आफ पर सब्सक्राइब टो फोन नंबर वन यह क्वेश्चन है वांट टो बाय इन्वेस्टिंग इन पिंच अकाउंट फैंस का मर्डर टेक्स यू कैन कंसीडर बाइंग इंट्रो संचय प्लस प्ला...

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15. NRI Banking 15 Must Know Things For NRIs

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Dear viewers, welcome to this episode of your life your money. For every NRA, the first thing that they have to learn when you become an NRA is how do you carry out your banking? NRA banking is not same as the resident Indian banking. There are different types of accounts. There are rules and regulations which govern the banking. In this episode, I'm going to give you 15 must know things about NRA banking. Every one of these points are as important as any other things which have been discussed in this video. Stay till the end of the video. Understand the NRA banking and carry out banking in a proper way. This is NR money clinic for you and I am Dr. Chandra Khani, your financial guide for a happy living. NRI money clinic. No hype just the right advice. Point number one for resident Indian the type of account they use is only one savings bank account or current account whatever it is it is one type of bank account. You may have some accounts like fixed deposit RD account and other things...

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16. NRI’s Beware !! Legal Implications Of Purchasing Property In India. Part 1

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as a first step I would like to ask you what are the precautions an NRA need to take when he decides to buy the property in case of pre-old properties or Le old properties so you should verify at least 30 years title Deeds mother documents some cases it may go beyond that say for example I am buying property from you you bought it 50 years back then your original document 50 years back also I have to see then the person who has sold you his document also we need to see normally originating title until 30 years or 50 years depending on the case to case it is to be verified then obtain 30 years minimum encumbrance certificate from sub register office now in case of nris if he is a seller and there is a heavy tedious amount what you said is there a way this burden can be reduced is there a way to reduce this burden yeah very good question see if you want TDS to be done at lower rate or nil rate you have to apply in form number 13 with your jurisdictional assessing officer basically nris a...

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17. NRIs Planning To Come Back Here Are the 10 Things To Plan Ahead

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Hello everyone, welcome to this episode of your life your money. These days a lot of NRIs are heading home. Be it the problem in the United States, Canada, different parts of Europe or the job issues in many parts of the world. The number of people who are coming back to India is slowly on the rise and it's visible. Day in and day out we get a lot of inquiries asking for consultation about uh what happens when we come back to India what are the compliance requirements that they have to go through what problems that they may face. We just thought since a good number of people are coming back let's try and do a video to highlight what are the problems you may go through when you come back to India after serving as an NRA outside. You could be an Indian citizen or you could be an OCI trying to settle back in India. Stay till the end of the video. I'll give you the points on which you need to focus and when you need to focus. If you are able to attend to that and make some studies around t...

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18. Alert NRIsIs It Time For You To Exit Indian Stock Market ? Listen To Views Of The Expert

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dear viewers welcome to this episode of expert speaks in this episode we are going to talk about what is happening in the Indian stock market is it a time to exit the Indian market is it safe to stay invested in the market are there opportunities or the NRI Community should take cues from this and exit the market stay in the end of this video and the guest of the day fund manager Mr Shel malpani is going to give you a detailed answer on should you exit or should you stay in the Indian market this is N Money clinic for you and I'm Dr chra Khan your financial guide for a happy [Music] living NRI money Clinic no hype just the right advice dear viewers before I introduce the guest of the day a personal request with you all many of you constantly keep coming to the channel keep watching my videos however you forget to subscribe for the channel your subscription matters for us your encouragement your love your feedback and everything is known to us only through your subscriptions and the com...

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19. RETURNING NRIS - HOW TO REDUCE YOUR TAX IMPACT ? PART 1

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Every year lacks of NRAs return back to India. When there were NAS they build very good amount of deposits in the banks. Mostly these deposits will be in the NRE accounts and that will not suffer from taxation. The moment they become resident Indians, all these deposits will come under income tax. This is a major problem faced by every returning NRA. In this episode, I am going to discuss six things that you could do to reduce your tax burden once you go back to India. This is NRI money clinic for you and I am Dr. Chandra Khan, investment consultant and a financial planner. NRI Money Clinic, no hype, just the right advice. When you return back to India, what can you do to reduce your tax impact? The first thing that you can do is to make use of the RN status which is available to you from an NRA status to a resident Indian status. RN falls in between. This is given to those people who reside outside of India for many years. Some time back I had done a video by name finance act 2020 whe...

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20. Constantly Falling Rupee .. Does It Make Sense For NRIs To Invest In India ?- By Harini Dedhia

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dear viewers this is our expert Space Program of the week during this week the expert of the week he is going to answer the most important question that could be there in your mind is it safe to invest in India today you see every day dollar is rising against each and every other currency including Indian rupee how safe are your investments in India under this financial turmoil you will find answers to all these questions that would be there in your mind during this episode make sure you watch this episode till the end this is nrmody clinic for you and I am Dr Chandra Khan but your financial guide for a happy living foreign just the right advice dear viewers to answer your queries pertaining to how safe for you to invest in India today I have brought to the studios my eminent faculty Miss harini deviya Miss harini Devi I have seen on our Channel multiple number of times prior Miss harini deviya is a head of research and a fund manager at tamohara investment managers a boutique PMS fund...

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Full Transcript Data (for AI processing)

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    "video_id": "acEUlTFrMQ0",
    "title": "How Rich Investors Save ₹50–60L Tax on a 5Cr Corpus  After Retirement? | Kapil Jain | Enrichwise",
    "channel": "Enrichwise",
    "views": 1569566,
    "date": "1/14/2026",
    "transcript": "तो पापा एक 5 करोड़ के कॉरपस पे अगर आप रिटायर्ड हो तो 50 टू 60 लै टैक्स कैसे बचा सकते हैं? तो अगर आप रिटायर्ड हो मान लो और आपके पास एक 5 करोड़ का कॉर्पस है तो आप दो आपके पास ऑप्शंस हैं। आप या तो उसको पेंशन प्लान में रख दो कोई LIC जैसे पेंशन प्लान में फॉर एग्जांपल मान लो आप 8% अर्न कर रहे हो तो 8% पे आप अर्न करो कितना करोगे? अबाउट 40 लैक्स। 40 लाख। और अब मान लो आप 30% में हो ऑलरेडी स्लैब्स के पार हो तो आपको कितना टैक्स आएगा? 12 लाख आ जाएगा। अगले साल कितना आएगा? सेम ₹1 लैक्स। 12 फिर अगले साल? 12 लाख तो ऐसा आते रहेगा। करेक्ट? बट मान लो यही 5 करोड़ आप एसडब्ल्यूपी में डालते हो। यानी कि कोई डेप्ट फंड्स या हाइब्रिड कैटेगरी मान लो डेप्ट फंड्स ही ले लेते हैं और वो भी 8% रन कर रहा है। तो फर्स्ट ईयर आप अर्न कितना करोगे? 40 लै उस पे टैक्स कितना आएगा? 12 लाख अ नहीं 40 लै पे 8% रफली गेन बुक होगा। कितना बुक होगा गेन? 3.2 लैक्स 3.2 लैक्स और 3.2 लै पे 30% आएगा। यानी कि गेन कितना आएगा? अबाउट 96000 टू 1 लाख। 1 लाख एफडी में 12 लै आया था। यहां 1 लाख अगले साल सेम ₹1 लै वहां पे आप टैक्स दोगे यहां 1 लाख अगले साल सेम एंड सिमिलरली ओवर अ पीरियड ऑफ़ फाइव इयर्स यू विल हैव पेड अ 50 लाख मोर टैक्स इन सम पेंशन प्लान और एफडीस वेयर एस यू हैव सेव्ड अबाउट 50 लैक्स ऑफ़ टैक्स इन एसडब्ल्यूपी एंड दैट्स हाउ यू अ 5 करोड़ कॉर्पोस फॉर रिटायर्ड शुड बी पक्ड इन एसडब्ल्यूपी दैट्स अ फैबुलस ऑप्शन टू एन्हांस योर वेल्थ डस दैट सिंपलीफाईड दैट सिंपलीफाईज इट"
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    "video_id": "6tUIyCxYOD0",
    "title": "9 Mistakes Which Can Ruin Your Retired Life - A Must Avoid Checklist To Follow",
    "channel": "NRI Money Clinic",
    "views": 809823,
    "date": "9/15/2023",
    "transcript": "dear viewers welcome to this edition of your life your money what is that I'm going to talk to you in this episode about your retirement you have worked hard to build the retirement corpus now you are about to retire or you have just retired in this episode I am going to talk to you about nine ways your retirement can get ruined that's because of your negligence let's understand these nine points a little bit in detail this is NRA many clinic for you and I am Dr Chandra Khan but your financial guide for a happy living [Music] new hype just the right advice [Music] dear viewers let us look at these nine points which can ruin your retirement one by one point number one overspending on your children's education you have to be very very careful late marriages have a problem because of which children arrive late in the families by the time you retire your children are still studying or you may have unfinished responsibilities towards your children when it comes to question of children parents become emotional rightfully but when it comes to question of emotion and being rational you should follow the rational path if it is your children are really good in studies they will get good scholarship they'll get good admissions with the Garment seats or the fee which you can manage governments have also come out with an initiative to give education loan for these students so you make best use of either the scholarships or the loans given by different banks for education of your children do not overspend on your child education at the same time you should have a discussion with your children when they go to around 10 standard that their higher education should be funded from the education loan and the responsibility of clearing this loan is exclusively with your children don't become emotional I'll make it so easy for your children no not required at all let's imagine a situation if your children are 18 years old and they don't study and they start a business will you be funding the business you obviously will not be funding the business the education today is nothing but a business children who graduate around 21 22 years of age do they find a job and they'll have cushy salaries but they don't get married they don't fall into the family responsibilities lots of cash in their hands they should use this money to clear the loans they have taken for their education that's the right way likewise children do not need to do Master's courses immediately as per the new education policy or what we see in the marketplace it is not essential that you have to do the Masters immediately after the graduation they can take up some assignment they can build some funds they can take one or two years of experience then apply for a course which is more useful for them to propel themselves into the next level of career trying to do a masters immediately after the graduation may or may not work in their favor and it may leave a big dent in your funds as well so be careful with this and don't get over Concord with your emotions have a factual talk with your children and tell them the responsibility of clearing the education loan is theirs Point number two most salaried people are not used to handling big sums of money they leave from paycheck to paycheck at the end of the month they have very limited amount of money what happens when they retire when they retire big chunks of money will come in the form of closure of proud and fund account or end of service benefits gratuity and various other things suddenly you see a big chunk of money coming into your bank account and you do not know how to handle it do you know what people do with this money there are a lot of people who go and buy property with these large chunks of money and they think buying a property is the best thing it will appreciate over a period of time and it will give them the rentals but it has its problems if you buy into a residential real estate the rental yield you get is just about two percent if you keep the same money in the bank the bank may give you four five six seven percent depending on the interest of the day and it will remain liquid you don't need to maintain you don't need to pay the taxes so do not do the mistake of buying a residential property using your retirement Corpus unless you do not have a roof above your head even in such a case make sure you buy a smaller one what you can manage and it will not not compromise on the liquidity during your retirement days buying into a large property spending a large chunk of your retirement Corpus is inviting trouble Point number three not having equities or derivatives of equity I am not telling that options and Futures here but one are the other forms of exposure to the stock market be it a pension account which has an equity component in it or the mutual fund or an ETF or an index fund or direct Equity at least some portion of your retirement Corpus must be in the equities because I am a retired person I do not have a risk-taking ability that's not very correct gone are the days where people will exit this world within five to ten years of the retirement those days are behind us today if you retire at 60 the chances of you living up to 85 to 90 years is very very real which only means to say if you over depend on the fixed income the inflation will drive a big hole in your cash flows and you may not be able to sustain your life very well in 10 15 years from the day you retire so it is absolutely essential that you have some exposure to equities at least I would say 30 percent of your Corpus should be parked in the equities under the guidance of professional advisors mistake number four when you retire because of your pensions because of the interest you have a hefty amount of money coming into your bank account most retirees will become very itchy at this point of time do not do the mistake of consuming all your retirement income you may have rents you may have pension accounts you may have Bank interest which is coming in you may have your own other cash flows which could be coming into your account like the way you are following a method of saving during your earning phase follow the same method during your retired life at least up to 75 years of age if you are having 100 units as your cash flow make sure you use 70 percent and at least 30 percent of that must be reinvested in instruments which can beat inflation it could be a low Equity exposure mutual fund it could be a hybrid mutual fund or you pick up an instrument which is more suitable to you be under the guidance of professional advisors but make sure you do not consume all your retirement cash flow and you reinvest this why we should do this the reason is very simple the good news is that you are not going to die soon the bad news is that you may run out of your money if you are not careful at this stage between 60 to 75 and if you do not reinvest a portion of your money and in case if you survive here in 75 years which in most case you will then you will struggle for money don't do this mistake at least 30 percent of your retirement Corpus please do reinvest number five this is an emotional mistake do not share your financial details with your children understand the difference here I'm not telling you should hide it completely you should record it you should prepare a will your spouse should know about it but do not give a blueprint of how much money you have where you have all these things don't try to make it the details in front of your children it should not be known to your children the reason being they are your children you are connected to them in an emotional way tomorrow if a demand comes from your son daughter or your son-in-law or in daughter-in-law you will find it difficult to say no if you say yes you will not get back the money or you'll spoil your relationship so do not do the mistake of disclosing the amount of assets you have in front of your children or their spouses the right way to do it record it well create a will inform your spouse give her the required instruction not to disclose with her children at any point of time this should go on till the end of your life maybe at the end of your life it's fine to disclose these things by which time you have established your relationship with your children and their spouses at the same time children have also stabilized mistake number six now that you are retired you have lots of money in your bank account it's just not that you know about it the world around you knows about it because everybody gets a retirement Corpus when they return what happens there are a lot of people who come and ask you to stand as a guarantor to the loans it could be a friend it could be a neighbor it could be a relative it could be your children it could be anyone please stay clear of standing a guarantee for any loan you can be ruthless you can be politely telling them no I do not have a risk profile to stand as a guarantor I do not have my wife's permission for that I have my children will not allow to do that so do not stand as a guarantor for any loan once you are retired you should should be very very clear in this and if you make it very clear at least you know one thing your money is safe if you stand as a guarantor and if the loans go bad then you lose money and you lose relationships both if you say no to standing as a guarantor at least your future your money is safe in your hands if your relationship is only because of the money let the relationship get spoiled mistake number seven when you are a retiree do not Chase return a return of capital is more important than the return on Capital yes your money should earn a good rate of return but do not Chase return let me explain here what is changing of return for the lure of return you will be investing in a small Cap Fund you will be investing in a small Cooperative Banks you are doing a private lending to somebody else thinking that they will give you a higher rate of return all these things are fraught with severe risk of losing the Capital so when you are retired these are your golden years the purpose of having your money is to make sure that you have adequate money during your retired life here you are not aiming to create a wealth creation you are in a distribution phase of life you should have adequate liquidity the liquidity that you should have should at least stay in sync with inflation or over longer periods of time try to conquer the inflation understand you are not trying to create wealthier you are trying to make sure that your cash flow stays relevant in your life if you are getting let's say 50 000 rupees as a retirement Corpus obvious over a period of time it loses its value because of inflation as long as it keeps in line with inflation that should be fine but if you are a 30 year old person your approach is different there you need a wealth creation then you need a risk-taking ability understand you are a retiree and safety of your capital is Paramount I under no circumstances trade this safety for the sake of return mistake number eight it pains me to say this but I need to tell you be careful with the advisors there are a lot of people who come to you they know that you have got money and they have a business to support they may advise you wrongly I have seen people go to bank and the banks know that you got a large chunk of money deposited into your account there are vultures around these back branches telling you you do this and you do that my sincere suggestion is you should stay clear of such advisors or in the guise of advisors who are asking you to put your money into schemes which does not suit your requirement you should take time you should consult professional advisors I sincerely advise that at least by the time you retire you have good contact with one advisor with whom you can really trust see at 60 you don't have an advisor and anybody comes into you it takes time for you to build trust with such people it is better you have an advisor throughout your life if not at least as you move closer to your retiring years try to build a relationship with one good advisor you can find out from your own area who can do a better job for you do not invest unnecessarily into the insurance plans do not unnecessarily put your money into YouTube plans if you are putting that money into this you should convince yourself why I am doing the how it makes sense otherwise 50 860 years of age and you get into an insurance plan and the cost of insurance itself can drain the returns that is coming into those plans so make sure that if you are buying something it is in your best interest don't take any advisors at the face value challenge it with the common sense if you think yes there is a possibility that you can work with them take your time and see whether you are taking an emotional decision ask questions from your common sense if all those things answer you in the right way then only you proceed even there have an exposure control don't do the mistake of putting everything in one single time or one single place that works in your favor by the way if you are looking out for professional assistance to manage your retirement funds then you can make best use of services offered by NRI money Clinic we have a team of professionals working under our guidance here you can make best use of these persons whether it is in India or outside of India if you have an intention and if you want the services of an advisor do contact us through WhatsApp our numbers are given here in the description box and we have also given a link over there just click on the link and it will take you to the WhatsApp send us the message and my team of experts are ever ready to help you on that the last point I'm going to talk to you is the most important part when you're fit and fine you do everything yourself life beyond 60 is at the mercy of God what happens when you are at 65 70 you do not know in most families the ladies of the house do not take interest in the family finances I can say over 95 percent of the ladies do not take interest in the family finances now imagine a situation where you are created very complex Financial plans you have put money in lots of places you have put money in the different properties in different geographies what if if you were to fade away from the scene can your wife handle this ask this question they will not be able to handle this they will come under the influence of other members of the family or relatives and they are going to ruin in your planning your wife's interest should be Paramount think when you are investing money in somewhere can my wife handle it is it easy for her to handle it can she get the same level of cash flow when I leave this world if statistics are to be believed women live longer than men it's obvious so the probability that the spouse will use longer when I say a spouse the wife leaves longer than men is very very real so make your plans very very simple don't create complex structures around it make sure that she has a steady income in even in your absence a pension plan could be fine a rental account would be fine a fractional commercial real estate could be fine a hybrid mutual fund portfolio could be fine but make it simple and explain to her and tell her very clearly in your absence whom she should approach and whom she should not approach tell her what she needs to do and what she should not do these small final Parts make sure in your absence interests of your wife is never compromised dear viewers hope the video done helped you to understand what are the possible mistakes you may get into during your retirement Years be conscious about this fact and if it did help you to avoid this mistake do give me a thumbs up if you are a person who is watching my channel for the first time or if you are ready to subscribe for the channel do hit the Subscribe button now and press the Bell icon don't forget to share these videos with your near and dear ones friends and relatives and on all the WhatsApp groups on which you are connected thank you very much for watching this episode on nrmoney Clinic I shall be back with you next Friday with yet another thought on your life your money till then stay safe press the Bell icon for more details and subscribe our Channel [Music] foreign"
  },
  {
    "video_id": "MjdByQ0WJ0Q",
    "title": "How Do You Say You Have Enough Money To Retire ?",
    "channel": "NRI Money Clinic",
    "views": 237960,
    "date": "4/12/2021",
    "transcript": "do you have enough money in your account so that you can safely retire how can you say that i have enough money and i am ready to retire this is a very complex question many people do not have an answer for this particular question in this video i will try to argue and see when can you say i have sufficient enough money and i can safely retire this is dr chandra khan but investment consultant and financial planner for nri money clinic [Music] nri money clinic no hype just the right advice [Music] retirement years otherwise known as the golden years are the best years of a person's life everybody wants to enjoy their golden years but if you look at the statistics over 90 percent of the people who retire from work they will never have their golden years what's the reason the reason is under preparedness for retirement years they do not know how long they are going to leave they do not know how much money they have they do not know how much it is going to cost during the retirement years the net result is they will never have golden years if that's the case if i want to retire today how do i feel safe that i have enough money and i will never run the risk of outliving the money that i have let's try to find an answer for this particular problem before we check whether you have enough money for your retirement years you should have completed a few more things prior to that number one before you retire you should have finished all responsibilities towards your children if your children are still studying when you retire they need money if you still have emis to pay for your purchase of house that's an unfinished responsibility it's a good idea to finish all your responsibilities towards these kind of an expenses before you retire unfortunately if you have not finished this responsibility what you can do is earmark a separate account and the required amount of money keep it separately don't mix it with your retirement funds so that when you retire the requirement of funds which are for these particular causes are available in a separate account the second thing that you should do before you retire to make sure that you have enough money is you should have purchased a good health insurance plan when i say good health insurance plan don't buy a plan for one lakh two lakh rupees buy it for sufficiently large enough size maybe 10 lakhs maybe 15 lakhs maybe 25 lakh as per your affordability health expenses are on the rise so you need to be having sufficiently large enough health insurance cover before you retire don't wait till you retire to buy a health insurance policy it may or may not be available for you it's a good idea that you buy a health insurance cover at least two to three years before you retire now let me assume that you have finished all your responsibilities towards your children and loans and other things and you have a good health insurance policy with you now let me check how much money you need or how we can say you have enough of assets or cash flow to suffice for retirement years let me check it in two case scenarios scenario number one i assume your retirement income will come from only rental income that you may get from the property now let's say that you need a lack of rupee to run your show during your retirement years the entire set of amount that you need will come from rental income in that case it is safe to assume that you have enough money for your retirement years you may ask me a question what about inflation what can go wrong yes you have a point in the event of inflation the rentals will automatically rise so the rental real estate is inflation-proof so if all the money that you need for your livelihood comes from rental real estate it is safe to assume that you have sufficient enough money for your retirement years now having only real estate is it a foolproof strategy i can definitely say it's not a foolproof strategy but it is nearly foolproof if you run short of money for your livelihood the asset price of that real estate is also available for your use at some point of time in future instead of getting rentals from the property you can decide to sell the property get that asset value put it in a bank or invest somewhere else and derive the required amount of money for your livelihood during your retirement years there are spoilers in this scenario what can spoil the game there are many things which can spoil the game one of the things is if all the money that you need for your living comes from one single property then the risk is that if you don't find a tenant or if there is some problem because of which you don't get rentals you could be getting stuck instead of this if you plan well and you have multiple properties and the rents come from multiple sources then your chances of managing your retirement cash needs are far better you can sell one of the properties and get some cash value or all the properties will not be rented out there could be one property or two property which may be having dry periods so it could be still manageable so it is safe to assume that when your rental income is sufficient for your livelihood during your retirement years it's more or less certain that you will not have difficulty to find funds to fund your retirement years now let me look at scenario 2. again i will assume that you have finished all your responsibilities towards your children and loans and everything and you have a good health insurance policy now your retirement income comes from your financial assets that means you have saved money the money could have been parked in the bonds or the bank fds or a mutual fund portfolio or a pension company insurance company whatever it is your total assets are financial assets in such a case how can we say that you have enough money for your retirement let's do some calculations here now let me assume that you need a lack of rupee every month this is your living expenses now in 12 months that is in one year the total amount of money that you need is 1 lakh into 12 months is 12 lakhs now i'll give you a formula here if you need 12 lakhs per annum multiply it by a factor of 25 12 lakhs multiplied by 25 this gives me a figure of three crores if you say i have three crores of rupees and your monthly cash needs is one lakh you can safely say that you have enough money to last for your retirement yes the health insurance premium that you are going to pay will be paid from this one lakh all the expenses that you have planned for should come from living expenses in that case three crores of rupees is sufficient enough for you provided what you need is one lakh if your need is more than one lakh multiply that figure by 25 if your needs are lesser again multiplied by 25 arrive at the amount of money that you need how did i arrive at this figure of multiplying it by 25 that is where a formula comes to my mind it is called formula four now if you have a certain amount of assets calculate what is the four percent of that asset represent for example if you have one lakh rupee four percent of one lakh is four lakhs four percent of three crores is 12 lakhs so the drawdown rate or the safe drawdown rate can be predicted to be about four percent this applies both for persons who live in india for people who live outside of india where you have very less interest rate also still it is safe to assume four percent drawdown rate is sufficient enough for your retirement years now let us see how this four percent rule has come into existence let us try to see whether it is a valid argument what can go wrong in what circumstances it will not fit in under what circumstances it fits very very well now let us look at the indian case scenario now the average bank rate if i consider it's around six percent so you could be keeping your money in the bank or an insurance company pension company mutual fund portfolio whatever it could be you can draw about four percent of that money if you are making six percent on your investment portfolio you can draw four percent now the remaining two percent what happens one of the two things can happen one you could be paying the taxes and that tax could be that remaining two percent the other possibility could be out of the six percent four percent you are consuming and if you are in a non-tax bracket this two percent may be adding to your capital itself nevertheless four percent draw down rate is very very safe now let us check this four percent rule in another case scenario let me assume that your investment portfolio does not earn any rate of return that means you are going to earn zero percent return on your investment in that case what happens to the four percent rule in my assumption even if your investment returns are zero percent still this four percent rule is fairly safe to assume how do i say this now let's imagine that you retire at the age of 60 and your investment portfolio just doesn't grow over 25 years it's purely hypothetical it will not happen in that case what happens if you draw 4 percent per year that means in the next 25 years you will exhaust all your money that means to say if you retire at 60 years of age your investment portfolio does not grow at all even by a percent the cash that you have will last for next 25 years the average life expectancy is around 75 years for most people so this four percent rule can hold good even in zero return environment now if you look at the case of developed countries there you still have zero percent interest rate in some countries there are negative interest rate but even there it's definitely possible to earn some return on retirement corpus people are holding likewise in developed countries be it in europe uk canada usa i am not very familiar with the circumstances there but there is also governmental support so if you calculate and you calculate the total amount of money and apply four percent rule and if the four percent of the financial assets that you have if that is sufficient for your livelihood then you can say you have enough money to last during your retirement years now in all these calculation what happened to inflation what happened to depletion of purchase power of money because of inflation now if your inflation is high like in case of india or emerging markets then your interest rates are higher so when you're drawing four percent your interest rates are more than four percent that means the excess money that you have will be adding to your capital and over the years your drawdown rate even at four percent rule could be increasing let us say that you have a crore of rupee if you are adding two lakhs back into your capital that means next year your capital could be a crore and two lakhs a four percent of a crore and two lakhs will be higher than the amount that you are drawing that means you are taking care of inflation to a certain extent in case of developed world inflation is negligible so even then it affects but still inflation will be taken care of in such a low inflationary environment let me add a word of caution here this four percent rule is not an absolute science i can't say for sure that under every circumstance it holds good there can be spoilers inflation can be one spoiler tomorrow you may lose money because one of the bank would have collapsed or you have done a wrong investment and things can go wrong so don't take this four percent rule as a sacrosanct just take it as a thumb rule just a general guidelines to see whether you have sufficient enough money the best rule to follow which i always follow is more the better if you think you need a lack of rupee every month it is better if you have two lacks of cash flow every month the excess money that you have as a cash flow can add back to your capital it can add as a cushion during your retirement years likewise this four percent rule holds good very well if you have a large amount of money if you think this four percent rule meets your requirement when you retire and if you are confident about it then it is fine but what this four percent rule says that i do not have enough amount of money to retire then you can be up for root shocks because if you say i have one crore and i need 10 lakhs every year that means every year you are short by about six lakh rupees four percent drawdown rate from one crore gives you four lakhs you are short of about six lakhs either you have to cut down on your living standards or you will be forced to deplete your capital which means to say at some point of time in future you run the risk of outliving your money so if you have lesser corpus this four percent rule may not work in your favor but if you have enough or enough and more four percent rule pretty well works for you there is one more thing that i would like to tell here whether you have sufficient enough money whether you have more than sufficient enough money or if you have less than the required amount of money one thing you should try to do that thing is from the day you retire till you're 75 years of age try to make sure that you do not deplete your capital amount try to maintain the capital at its level or try to grow it a little bit more after 75 years of age don't hesitate to deplete your capital slowly just in case if you do not have sufficient enough cash flow because you didn't have sufficient enough money in the first place or because of inflation the amount of cash flow you are getting is not sufficient apart from the cash flow you also have to dip into your capital it's not possible for everyone to say i have run out of my bank balance this is the time i should leave the world that will never happen one of the things will happen you will outlive your money which means to say you don't have enough money to leave you will be dependent on the state or a friends or relatives or your children or you leave behind some money for generation next this is what going to happen it's perfectly not possible for anyone to calibrate their life to say that i have exhausted money let me leave this world dear viewers if you think you need professional assistance to design a retirement income strategy for yourself you can make best use of our services i have shown the whatsapp number here on the screens from any part of the world you can send us a whatsapp message and request for professional assistance either myself or one of our team members will help you to design a good retirement strategy for yourself feel free to contact us anytime dear viewers if i have given some inputs for you to check whether you are ready to retire or not whether you have enough money to retire safely or not please like this video if you are a person who is watching this channel for the first time or if you are yet to subscribe for this channel please hit the subscribe button and press the bell icon don't forget to share this video with your friends and relatives thank you very much for watching this episode on nri money clinic i will be back with you with yet another video very very soon press the bell icon for more details and subscribe our channel [Music] you"
  },
  {
    "video_id": "G9GVK1gGD6M",
    "title": "FINANCIAL PLANNING TIPS FOR BEGINNERS - AGE GROUP 25 TO 35",
    "channel": "NRI Money Clinic",
    "views": 179935,
    "date": "5/20/2020",
    "transcript": "हेलो व्यूअर्स मीनिंग ऑफ हैं सब्सक्राइब बटन दिस चैनल आर्यन जेनरेशन पीपल देव फॉल इनटू द बैंड आफ twenty-five 235 दर्स मीन ठाट यू हैव रिक्वेस्टेड मी टू योर मैसेज टो प्रोड्यूस वीडियो कॉन्फ्रेंस प्लानिंग टिप्स विच एप्लीकेबिलिटी इन थिस एपिसोड एंड सब्सक्राइब अवर इनवेस्टमेंट इनवेस्टमेंट कंटेंट एंड मोर हुआ है कि नारायणमूर्ति ने लुट चैंपियन ट्रॉफी इस को शेयर इज माय फ्रेंड टिप्स नंबर वन फोन डरावना शॉर्टकट्स इन लाइफ आईएस शॉर्ट लाइफ इट्स डिफिकल्ट सेट थे फीयरलेस पर्सन हुई स्पेंडिंग लॉट्स आफ टाइम ओं थे इंटरनेट यूजर बिलीव्ड बाय रिस्पेक्टिव क्रिएट लॉट ऑफ मनी बाय ट्रेडिंग को डीप मनी बॉएड * क्रिप्टोकरेंसीज को डेवलपमेंट बिलीव्ड ठाट यू विल मेक लॉर्ड आफ मनी ट्रेडिंग फ्यूचर्स एंड ऑप्शंस व्यक्ति को को माय बेवर्ड 909 सब्सक्राइब क्रिएटिव वर्क सबस्क्राइब नाउ टू रिसीव न्यू न्यू टू मेक मनी इन नो टाइम फॉर लव यू टू डू सब्सक्राइब कम्स टो बिल्ड योर वेल्थ इवन टुडे YouTube चैनल को सब्सक्राइब करें है अब वेरी वेरी सक्सेसफुल इन्वेस्टमेंट रनिंग पेंशन प्लान टिप्स नंबर टू यू मस्ट वर्क फैंसी कोट प्रोफेशनल एडवाइजर्स डे डू इट इज द मीनिंग ऑफ आई लव यू ऑल इंफॉर्मेशन ऑन गूगल गो टू स्कूल एंड कॉलेजेस हैव ऑल इंफॉर्मेशन ऑफ मेडिकल साइंसेज को टू एग्जांपल सचिन तेंदुलकर क्रिकेट एग्जांपल आफ वर्ल्ड चैनल को सब्सक्राइब नो व्हाट वी डू रायड्स वेयर नॉट डूइंग आईटी विल हेल्प यू लाइक रिफ्लेक्टिंग ओं लुटेरे योग व्हाट इज राइट व्हाट इज रॉन्ग व्हेन आईटी कम्स टो प्रोफेशनल फ्रेंड्स एडवाइजर्स वे कैन हेल्प ए ग्रेट अमाउंट आफ वेल्थ आफ नॉलेज टो सिचुएशन टुडे आईएस गेटिंग ए कॉन्टेक्स्ट फॉर एग्जांपल लुट YouTube चैनल स्टॉक मार्केट्स विल गिव श्यामा श्याम प्वाइंट आफ टाइम बट फॉरवर्ड स्टॉक मार्केट 0609 इंवाइट गिव 60 फॉर वाइफ विल नॉट गिव यू माइट गिव इन गेटिंग ए कॉन्टैक्ट उस है इधर चालू करेंगे टूट यू शोल्ड अलसो हैव प्रॉपर जजमेंट जस्ट को स्टॉक मार्केट गिव ए सर्टेन अमाउंट आफ रिटर्न गिफ्ट फॉर ऑल योर मनी इन ट्रस्ट स्टॉक मार्केट यू कैन इन्वेस्ट इन थे स्टॉक मार्केट व्हाट्सएप पर मनी के स्टॉक मार्केट हाउ टू मेंटेन से क्लिक करके subscribe comment कम्स फ्रॉम थिस नॉलेज विच यू कैन ऑलवेज गेट बाय रीडिंग एक्सपीरियंस न एक्सपीरियंस कैन ओनली विद पैसेज आफ टाइम एंड स्पेंडिंग टाइम इन थे मार्केटप्लेस एडवाइजर कम्स विद ऑल द रियल लाइफ इन ए कोड और प्रोफेशनल फेल्ट टिप नंबर तीन दो ए विनिंग स्टार्ट हुआ इनवेस्टमेंट जर्नी फर्स्ट थिंग सूट फर्स्ट द फर्स्ट थिंग बट हाउ टू ईयर्स ब्वॉय सफिशिएंट लाइफ इंश्योरेंस पहली बार लाइफ इंसुरेंस वाइल्ड लाइफ इंशुरंस अलोंग विथ क्रिटिकल इलनेस कवर लाइफ इंश्योरेंस स्पेस मनीष पुत्र डिफिकल्ट डाइजेस्ट नॉमिनल गुड मॉर्निंग वॉक डिफिकल्ट मैच इन दैट केस यू विल नॉट बे एबल टो ओवरकम प्रॉब्लम्स यू नीड ए लार्ज अमाउंट आफ मनी इन सर्टिफिकेट्स क्रिटिकल इलनेस इंश्योरेंस इज नॉट हॉस्पिटल इंश्योरेंस इट इज द गिवर आफ लाइफ इंश्योरेंस सब्सक्राइब मनी व्हेन हिस लिविंग इन थे मोस्ट ऑब्स्क्योर ह्यूज अमाउंट आफ मनी शब्द पोस्टेड बाय जस्ट टक्कर ऑफ लाइफ इंश्योरेंस और 15x और सम फिगर डूबा प्रॉपर कैलकुलेशन सिविल डिफेंस लॉयर्स अरे व्हाट इज द व्हाट इज द नेम ऑफ द लार्जेस्ट सिटी इन फैक्ट थिस चैनल टो प्रोड्यूस वीडियोस इंश्योरेंस प्ले लिस्ट ऑन इंश्योरेंस सब्जेक्ट इस चैनल गिविंग लिफ्ट टो प्ले लिस्ट प्लीज गो थ्रू डिफरेंट वीडियोस एंड लाइफ इंश्योरेंस इन प्रॉपर अबाउट वर्ल्ड वे लाइव इन दिल्ली बट ऑलवेज अमेज्ड अमीर व मदर सब्सक्राइब माय लाइफ इज नॉट द डे एगो पौराणिक इतिहास क्रिटिकली इल यू विल नॉट बे एबल टो कोटक लाइफ इंश्योरेंस कंपनी संबंधी सुरभि ने पोजिशन टो हेल्प यू स्वीटहार्ट गुड आइडिया थ्रू योर रिसर्च ऑनलाइन बट ऑफ लाइफ विद समीर विनिंग टिप्स नंबर चार लुटेरों ने के दशक इम्टी विदाउट यू हाउ टू इस स्टार्ट बिल्डिंग एंड इमरजेंसी फंड ई एग्री इंपॉर्टेंट दैट यू बिलीव अमरजनसी फंड एंड होल्ड टू द लेवल द रिक्वायर्ड हट प्रोड्यूसर वन वीडियो और हाउ टो बिल्ड योर एमरजेंसी फन टो हाउ मच मनी यू शोल्ड हैव वॉटर थ्रू सी चुटकी रिमाइंड मी टू द वीरवार को व्हाट्सएप वीडियो एंड डिवॉइड आफ प्रॉपर एमरजैंसी सिचुएशन इन योर लाइफ यू विल बे एबल टो सिचुएशन विद प्रॉब्लम्स बट नॉट लेटिंग यू सी इन थे लाइव्स आफ पीपल इन योर लाइफ नोटिफिकेशंस आफ एक्जिस्टेंस आफ जैंस कंटिन्यू थे कि Tata की ओर रिटायरमेंट प्लान वेरी अर्ली लाइफ आयुष सजेस्ट द फर्स्ट डे ऑफ प्रेयर विद ऑल द बेस्ट वे टो स्टार्ट योर रिटायरमेंट प्लैनिंग टो बेगिन टुडे इट्स लोंग टाइम इन टू-डू लिस्ट को subscribe The Amazing कैन बे यूज्ड ओनली टो कीप इन माइंड ठाट अंडर नो सब्सक्राइब करें विडियो को मेंटेन ए टेरिबल वेरी मोस्टेड भी प्रैक्टिकल दो नॉट ईट टू मच आफ मनी एंड स्टार उत्सव सेट अप इन व्हिच इज वेरी कंफरटेबल ट्यूब एंड अंडर नो सरकमस्टेंसस उसमें कंप्यूटर्स 1st डे आफ योर रिटायरमेंट नेस्ट सब्सक्राइब इन डिस्टेंट फ्यूचर प्लानिंग टिप्स नंबर सिक्स और अंजू योर लाइफ ओं कि मेरी पीपल सो मच वारिड अबाउट द फ्यूचर डू नॉट एंजॉय द लाइफ टुडे इट्स वेरी वेरी इंपॉर्टेंट बैक टू योर अर्लायर टुडे यस योर हार्ट टो प्लान फॉर टुमारो यस यह केयर फॉर टुमारो बट थिंकिंग टू मच बट डोंट नो वेदर टुमारो विल नॉट गो घृत ऑफिस व्हाट हे डिड नॉट नो व्हाट इज द लाइक सबस्क्राइब और नई दिल्ली रूट इस ट्वीट पर फुटबॉल संघ ने सीधे-सीधे टेस्ट भी सेम सौल एंड व्हेन यू टेक को टेक्निक डेट सिविक से उंगली ऋषि डोंट लाइक व सेव द वॉल्यूम रूटेड थ्रू ए ब्वॉय बर्थडे जिस टुडे व्हाट थिस एप विल नेवर कम बैक इन योर अर्लायर सो डॉक्टर्स डिक्लेयर्ड टुडे इट्स समथिंग बट ई वांट टो कीप इन माइंड मिनिस्टर्स विल गिव द यू हाउ टो व सेव यह टो world.in आयरलैंड व्हाट यू रियली इन जॉन इज दिस प्रोसेस आफ 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  },
  {
    "video_id": "FI6s9jd0xwc",
    "title": "NRIs: Prioritize These Issues on Your Next India Visit",
    "channel": "NRI Money Clinic",
    "views": 151921,
    "date": "7/11/2025",
    "transcript": "Hello everyone, welcome to this episode of your life your money. How often NRS keep complaining India is a bad country. Systems are not in place. We can't do these things. I don't get an OTP. There is no cooperation from bank stuff. Complaints gallor. Now you decide that you can put all these things to rest with a few action points that you can take during your next India visit. Whenever that happens, please make a list of these things that I'm going to talk to you in this video. Prepare yourself for it. If required, keep in couple of days extra or as soon as you come back to India, you start attending to this. If you are able to sort out this issue going forward, you'll not have a reason to complain that things are not working normally in India. This is NR money clinic for you and I am Dr. Chundra Kanut, your financial guide for a happy living. [Music] NRI money clinic. No hype, just the right advice. Are you a NRA living outside of India for more than 10 years? Have you dreamt of a retired life in India in a beautiful house and a lifestyle of your choice? Your dream can come true only when you take some simple and effective actions. Today I will take you through a stepbystep process to make this dream come true in my webinar stress-free retired life in India. Hello, I am Dr. Chenner Khan, financial guide and founder of YouTube channel NRI money clinic. I have to my credit creating secured retired life for thousands of NRA spread across more than 60 countries. If you have an intention to make your dream retirement come true, register for my webinar. More details are in the link below. Number one, the biggest pain point your bank accounts. You don't have the proper bank account, you have not opened the required accounts or you have multiple bank accounts. There could be multiple problems in your banking. Let's put this to rest once for all. As soon as you land in India, go to your bank branch. If you still have a savings bank account being an NRA, you must close this or you must convert this into an NRO account. Convert your savings bank account into NRO account. When you open an NRO account, you also open NRE account. I stress here, open both NRE and NRO account. However, the money which is there in your SB account can only be transferred into your NRO account. If you have certain loans for which the amount is getting deducted from your savings bank account, please instruct the bank to collect these EMIs from your NRO account. In most cases, the banks will not change the account number. They will just redirect this to make it as NRO account. Generally it will not have a problem but nevertheless instruct the bank to collect it from NRO account. Sometimes there will be a problem in the bank account in your NRO account. If the amount is not sufficient enough leave one more instruction with the bank to collect the required amount of money from your NR account. In the event of NRO account is not having sufficient enough balance. They can do this by either picking up directly from your NRE account or they can transfer the money which is there in NE account into NRO account to the required value that can be very well taken care of. Likewise, if you have more than two bank accounts, multiple bank accounts, please take time this visit to close all the unwanted accounts. You could be having accounts from your student days. You could have worked in multiple places. You could have opened multiple bank accounts. This is all a troublesome thing to do. Instead, close all the accounts other than the two bank accounts that you must have. You must have account in at least two large banks. It could be a private sector bank. It could be a public sector bank. That's fine. But it should be a large bank with a good IT infrastructure. I have seen large banks like ICICI Bank, HDFC Bank, Axis Bank, COC Bank, Ind Bank, State Bank of India. These have extremely good IT infrastructure. Being an NRA, you should bank with a bank which has got good IT infrastructure. If they don't have systems which can work when you are abroad, then your banking can suffer. So maintain your accounts in two banks which are large banks and close all the smaller bank accounts that you have. One another thing that you have to do when you are there in the bank branch is complete your KYC. KYC is know your customer. You have to give to the bank your passport your latest visa copy your overseas address proof. Why I stress that you have to redo the KYC is if you had become an an RA many years before the visa that you uploaded the address proof that you have given could be different you could have moved from one country to the other country your bank account should reflect the correct status as it exists on today. Therefore ask the bank to redo your KYC. Likewise when you are in India it's also a good idea to do your central KYC. The central KYC is required for you to invest in your mutual funds, in your demat account, stocks and other things. If you are in a bank, the banks is the best place where they can do this KYC and finish it off. When you do the KYC, it should reflect everything. Your overseas address, your tax status, your photo, your email ID, your telephone number, everything should reflect correctly. One problem that I have noticed with the banking staff is if they don't find a document, they will write something over there and process it to KYC. This can become a problem for you at points of time. Therefore, double check what gets into the KYC reflect the correct picture. After you became NRA, let's say that you had a few loans running and over a period of time you have closed these loans. Equally required is collect the loan closure statements. Banks will give what is known as zero balance against your account or they can just say nil balance or they say the loan has been completely closed and if your property documents or any documents that are there with the bank as a collateral they have to give it back to you. You would have forgotten to collect these documents. Make sure you collect these documents as well as collect a loan closure document from the bank and keep it very safely at some point of time. If there is a dispute at any point of time, this letter you collect from the bank will become very handy for you. Point number two, your investments in India particularly the DMAT accounts, your investments in mutual funds. What happens is before you became an NRA, if you have opened certain folios, they will reflect resident India status. Likewise, if you have opened a demand account, before you become an NRA, these are resident demat accounts. As an NRA, you can't use these accounts. Therefore, you have to instruct the broker or the bank where you have opened this DMAT account to be converted into NRO DMAT account. Whatever the holdings that you have in the demat account will get automatically transferred to your NRO account and there is not going to be any problem. Instead of being a resident account now it will be reflected as NRO demat account. In case of mutual fund what happens your folios are reflecting resident status. Now because you have converted your bank account into your NRO and NRE when you try to invest it creates a conflict between the resident status in your folios versus the NRA status in your bank account. You need to convert your existing folios into non-resident status or you should sell them off. It's a difficult decision for you to make. Many people in your enthusiasm to go direct have opened account with the various fintech companies. The observations that I have made is the fintech companies just don't care what happens to your tax status. It's not a complaint that I'm making but this is the reality. Many people have approached me and said that we have an account I can't take the names here but they said we are not able to sort out that problem. It is the duty of those people the customer care of these fintech companies to solve this problem. If you cannot do that, at least you can sell off those folios, clear it off and open new relationship wherever you want to. If you're an NRA, it's always better if you work with the financial planners because they will become your service providers. If there are any issues, they can actively attend to it. They can actively inform you what needs to be done and you don't have to bang your head against these bank branches or with the fintech companies. That's the best thing you can think about. The next thing that you have to attend to is your identity, financial identity, PAN card. PAN card is very important for you to carry out financial transactions in India. Now, the problem with the PAN card here is there are things you have to look into it. Number one, the data on the PAN card. Many people have got a PAN card or their parents should have done a PAN card. Now the problem area in PAN card is the name on the PAN card or the sequence which is mentioned or the father's name which is mentioned or the date of birth which is mentioned on the PAN card could be different from your passport and other documents. It is easy to get it changed in the PAN card. You have the PAN service centers in every nook and corner of India. You can also do it online. Please check your PAN card. See whether it matches with your bank account, your Aadhaar card and your passport. All these documents should reflect the same thing. If it is something which is different, you get this PAN card altered to reflect the name in correct sequence, correct spelling, your parents' name and the date of birth. That's very very essential. When you do all these things, also apply for EAN card. A EAN card is something which will come on your mail. It's easy for you to store and you don't have to have the hassle of having a physical PAN card for you. Likewise, being in NRA, your PAN card should reflect your international tax status. In the IT portal, it should reflect your NRA status. It's equally true that if you have an Aadhaar card, your PAN card should be linked to the Aadhaar card. There are people who do not have an Aadhaar card, they get an Aadhaar card when they come to India. Now, now if you have an Aadhaar card now take that step to link your Aadhaar and PAN card together. So once you have PAN card set for all these points that I have said your financial transactions become super smooth for you going forward from here. Next is your Aadhaar card. A lot of NRS have got Aadhaar card. A lot of them do not have an Aadhaar card. Those of you who do not have an Aadhaar card now as soon as you come to India you can walk into Aadhaar Sea Kendra and you can apply for your Aadhaar card. There can 
... (truncated, see transcripts_dataset.json for full data)
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