I’m Mani Karthik – an ex-NRI who moved back to India after 10+ years in the US, carrying three bags and about a million questions.

You probably have a few yourself.

Like:

  • “Should I close my NRE account?”
  • “What’s RNOR and why is everyone suddenly obsessed with it?”
  • “Do I need to start from scratch with my credit history?”
  • “Will I survive Indian traffic?” 😅

Trust me.
I’ve been there.
This blog is where I write about everything I learned (usually the hard way).

Who This Blog Is For

✅ NRIs thinking about moving back to India.
✅ Folks who just landed and are trying to figure things out.
✅ Anyone who’s googled “best credit card after returning to India.”
✅ Curious souls wondering if life in India is actually better.
✅ Dreamers building something from scratch in the homeland.

What You’ll Find Here

🪙 Finance & Credit Tips
How to manage your NRE/NRO accounts, apply for credit cards, build a CIBIL score, and save money smartly.

🏡 Life Hacks for Returning NRIs
Step-by-step guides on getting a driving license, choosing a city to live in, or where to buy a sim card without crying.

📄 RNOR & Tax Confusion Solved
Explained like you’re five. What it is, why it matters, and how to get the most out of your tax breaks.

🛍️ Moving Back & Shopping Lists
What to bring from the US. What not to. What you’ll miss. And what you’ll never miss (hello, tipping).

💻 Online Income & Side Hustles
You came back to find purpose. Why not build something meaningful too? I’ll show you how I did it — step by step.

New Here? Start With These 👇

My Goal?

To help you make smarter decisions.
To skip the mistakes I made.
And maybe… fall in love with India again.

So feel free to dig around.
Drop a comment.
Or just say hi.

Welcome home. 🙏
– Mani