Everywhere We Belong

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Welcome to 'Everywhere We Belong', a podcast from Belong, a finance technology company from Bangalore, India. We cover topics relevant to NRIs and global Indians everywhere.

  1. 1D AGO

    Lived Abroad for 19 Years… Now Financially Free in India (The Reality)

    Is the "Return to India" dream actually sustainable, or is it just a romanticized escape? In this episode of NRI Wealth Stories, Aditi sits down with Bhasker Jaiswal, who spent nearly two decades building a life and career abroad before making the ultimate move back home. His story is a blueprint for anyone caught between two worlds, trying to build lasting wealth while staying true to their roots. Chapters 0:00 - 1% More Capital vs 1% More Return 1:23 - Bhasker Jaiswal Career Journey 2:15 - Why He Moved Abroad? 3:46 - ₹50 Lakh Gone in 2 Months in India 5:10 - Financial Challenges After Coming Back to India 8:46 - How Much Money Do You Need Before Coming Back to India 9:03 - Inside His $1.5M Portfolio 11:11- How Currency Ate His Returns 13:29 - Why He Never Picks Stocks 14:08 - Hardik Pandya's Financial Lesson 15:04 - The Biggest NRI Misconception 17:11 - Why Nobody Ever Has "Enough" 18:00 - What Does Rich Actually Mean? About Belong Belong is a fintech platform built for NRIs who want to invest in India with clarity and confidence. From USD Fixed Deposits to GIFT City Mutual Funds, Belong connects global income with Indian opportunities without the NRO, NRE or PIS maze. Explore Belong: Website: https://getbelong.com App: https://app.getbelong.com/LywZ/YT Instagram: https://www.instagram.com/getbelong LinkedIn: https://www.linkedin.com/company/getbelong X: https://x.com/GetBelong Join our WhatsApp community: https://community.getbelong.com/

    20 min

  2. MAR 26

    The End of Self-Claimed Foreign Tax Credit? The New CA Verification Rule

    Is your Foreign Tax Credit (FTC) claim about to get a lot more complicated?  With the introduction of Draft Income-tax Rules, 2026 and the Income-tax Act, 2025, the Indian Tax Department is moving away from the "self-claim" era of Form 67. If you are an NRI returning to India, an RNOR, or a resident with global income (RSUs, Dividends, Pensions), Draft Rule 76 introduces a critical compliance trigger that you need to know. In this episode of the Offshore Advantage, Sagar Soman breaks down the One Lakh threshold, the move to the new Form 44, and why a mandatory CA verification might be in your near future. Chapters 00:00 Intro 00:40 Before We Begin 01:24 DTAA vs FTC 02:30 The New Architecture 03:32 Form 44 04:04 The CA Verification Trigger 04:52 FTC Mechanics 05:30 Disputed Foreign Tax 06:29 FTC Roadmap 06:57 FTC Timelines 07:46 Currency Conversion 08:21 Documents Required Under Draft Rule 76 09:11 The Three Buckets Framework 09:45 FTC File Checklist 10:48 Takeaway About Belong Belong is a fintech platform built for NRIs who want to invest in India with clarity and confidence. From USD Fixed Deposits to GIFT City Mutual Funds, Belong connects global income with Indian opportunities without the NRO, NRE or PIS maze. Explore Belong: Website: https://getbelong.com  App: https://app.getbelong.com/LywZ/YT  Instagram: https://www.instagram.com/getbelong  LinkedIn: https://www.linkedin.com/company/getbelong  X: https://x.com/GetBelong  Join our WhatsApp community: https://community.getbelong.com/

    12 min

  3. MAR 24

    NRI Mutual Fund Guide 2026: How to Invest Using GIFT City

    Most NRIs jump into the Indian market without a strategy, only to realize later that currency depreciation and high expense ratios have eaten their gains. We’re changing that today. Whether you are a beginner or looking to optimize your existing portfolio. In this episode of The Home Advantage, Aswin breaks down the complete NRI Mutual Fund blueprint for 2026—from picking the right funds to the "surprise" solution in GIFT City. Chapters 0:00 Intro 0:42 Mutual Fund Categories 1:25 Investment Goals 2:05 Risk Capacity & Tolerance 4:27 Age vs Asset Allocation 5:16 How to Choose the Right Funds 8:50 Two Ways to Invest in Mutual Funds 10:05 Importance of Emergency Funds 10:50 Takeaways About Belong Belong is a fintech platform built for NRIs who want to invest in India with clarity and confidence. From USD Fixed Deposits to GIFT City Mutual Funds, Belong connects global income with Indian opportunities without the NRO, NRE or PIS maze. Explore Belong: Website: https://getbelong.com  App: https://app.getbelong.com/LywZ/YT  Instagram: https://www.instagram.com/getbelong  LinkedIn: https://www.linkedin.com/company/getbelong  X: https://x.com/GetBelong  Join our WhatsApp community: https://chat.whatsapp.com/DNUCY6cgCfKIYaNivvbEOA

    12 min

  4. MAR 23

    How to Move Back to India Tax-Free: The RNOR & FCNR Strategy

    Are you returning to India for a project, to care for parents, or just to test the waters? If you’re keeping your NRE accounts active for tax-free interest, you might be unknowingly breaking FEMA laws. In this episode of The Offshore Advantage, Sagar Soman breaks down the critical difference between being a Non-Resident for Income Tax vs. FEMA. Many NRIs assume they have a 182-day grace period, but under FEMA, your status changes the moment you land with the intent to stay. Watch to know why "nobody is watching" is a dangerous gamble and get a step-by-step roadmap to transitioning your finances legally while maximising tax windows like RNOR. Chapters 00:00 Intro 00:49 The Why Behind the Delay 01:58 FEMA vs Income Tax 03:15 What Banks Actually Do 04:01 The Right Order of Operations 04:53 The Smart Bridge 06:02 Don't Forget Your Investments 06:35 Use Your India Time Wisely 07:49 The Common Confusions 09:35 The Loophole 11:05 The Big Misconception 11:50 DTAA: How to Handle It 12:28 The Takeaway About Belong Belong is a fintech platform built for NRIs who want to invest in India with clarity and confidence. From USD Fixed Deposits to GIFT City Mutual Funds, Belong connects global income with Indian opportunities without the NRO, NRE or PIS maze. Explore Belong: Website: https://getbelong.com  App: https://app.getbelong.com/LywZ/YT  Instagram: https://www.instagram.com/getbelong  LinkedIn: https://www.linkedin.com/company/getbelong  X: https://x.com/GetBelong  Join our WhatsApp community: https://community.getbelong.com/

    14 min

  5. MAR 16

    Are You an NRI Looking for a Pension Scheme in India? | Complete Guide for NPS & APY

    Think pensions are only for people living in India? Think again.  Most of us have heard the "pension lecture" from elders back home. But while the advice is old, the tools have changed. Today, we dive deep into the National Pension System (NPS) and the Atal Pension Yojana (APY) to see which one actually makes sense for your portfolio. In this episode of the Home Advantage, Aswin breaks down NPS and APY. What they are, whether NRIs can actually invest, and whether they're worth it for your retirement strategy. Chapters 00:00 - Intro 01:05 - The National Pension Scheme 04:02 - Atal Pension Yojana 04:25 - Can NRIs Invest in NPS or APY? 06:25 - Closing Statement About Belong Belong is a fintech platform built for NRIs who want to invest in India with clarity and confidence. From USD Fixed Deposits to GIFT City Mutual Funds, Belong connects global income with Indian opportunities without the NRO, NRE or PIS maze. Explore Belong: Website: https://getbelong.com  App: https://app.getbelong.com/LywZ/YT  Instagram: https://www.instagram.com/getbelong  LinkedIn: https://www.linkedin.com/company/getbelong  X: https://x.com/GetBelongJoin our WhatsApp community: https://community.getbelong.com/

    7 min

  6. MAR 11

    Why Smart NRIs are Skipping Large-Caps and Buying This Instead | Belong

    Most NRIs investing in India default to large caps. But the data tells a different story. In this video, we break down why Indian mid-caps have consistently outperformed large caps and small caps across multiple market cycles, in average returns, median returns, and probability of double-digit outcomes. Here's what we cover: Why mid-cap PAT-to-GDP grew nearly 3x faster than Nifty 100 companies How mid-cap earnings growth has outpaced large caps over full market cycles Why cleaner balance sheets and improving ROE make mid-caps a compelling long-term bet How NRIs can access Indian mid-caps tax-free through the GIFT City structure The fund featured in this video: Sundaram India Midcap GIFT Fund: A feeder fund built specifically for NRIs and global investors. Minimum investment $5,000 USD. Fully repatriable. No rupee conversion. No local tax filing. Click here to know more: https://getbelong.com/tools/gift-city-mutual-funds/sundaram-india-mid-cap-fund-gift/ Chapters 00:00 - Intro 01:16 - The Mid-Cap Potential 03:30 - Mid-Caps: The NRI Growth Engine 04:22 - The Sundaram Mid-Cap GIFT Fund 05:26 - The GIFT City Advantage About Belong Belong is a fintech platform built for NRIs who want to invest in India with clarity and confidence. From USD Fixed Deposits to GIFT City Mutual Funds, Belong connects global income with Indian opportunities without the NRO, NRE or PIS maze. Explore Belong: Website: https://getbelong.com  App: https://app.getbelong.com/LywZ/YT  Instagram: https://www.instagram.com/getbelong  LinkedIn: https://www.linkedin.com/company/getbelong  X: https://x.com/GetBelong Join our WhatsApp community: https://community.getbelong.com/

    6 min

  7. MAR 9

    From Banker to Oxford's EdTech Partner | XED’s IPO That NRIs Should Know About

    What if you could study at Oxford, Cornell, or Harvard without leaving your career behind? That's exactly what XED has been quietly building for over a decade. And now, they're going public. In this exclusive interview with John Kallelil, (CEO & Founder, XED), we talk about: How XED partners with the world's top universities Why they charge $28,000 per seat (and still have a waitlist) The B2B & B2C model fueling their growth Post-IPO plans: AI, acquisitions & global expansion Why NOW is the right time to go public If you're an investor, executive, or simply curious about the future of premium education — this one's for you. Chapters 00:00 - Intro 00:34 - Early Life and the Birth of XED 03:40 - What is XED? 06:57 - Is XED an ED-Tech? 09:18 - How Does XED Approach Executive Education? 14:49 - What Does it Take to Partner with the World's Top Universities? 18:02 - Real-World Learning vs Classroom Learning 23:52 - Is XED a B2B or B2C? 31:59 - Long-Term Plans for B2B & B2C 33:53 - How XED is Positioning itself Against the Competitors? 38:13 - How Scalable is XED? 42:25 - Long-Term Plans for XED 46:34 - What Makes XED Sustainable in the Long-Term? 49:49 - What are the Post-IPO Plans for XED? 53:13 - Rapid Fire Questions About Belong Belong is a fintech platform built for NRIs who want to invest in India with clarity and confidence. From USD Fixed Deposits to GIFT City Mutual Funds, Belong connects global income with Indian opportunities without the NRO, NRE or PIS maze. Explore Belong: Website: https://getbelong.com  App: https://app.getbelong.com/LywZ/YT  Instagram: https://www.instagram.com/getbelong  LinkedIn: https://www.linkedin.com/company/getbelong  X: https://x.com/GetBelong  Join our WhatsApp community: https://community.getbelong.com/

    58 min

  8. MAR 5

    The Expensive NRE & FCNR Myth Nobody Warns You About

    Most NRIs assume their NRE interest stays tax-free until the deposit matures. And honestly? That assumption makes sense. Nobody told you otherwise. But here's the truth — the moment your intent shifts from visiting India to staying in India, your tax-free status starts a countdown. And that countdown doesn't wait for your FD to mature. That assumption can cost you. A lot. In today’s episode of The Offshore Advantage, CA Sagar Soman, breaks down exactly what happens to your NRE and FCNR deposits the moment you return to India. Chapters 00:00 Intro 01:08 The Two Clock Analogy 01:45 NRE vs. NRO vs. FCNR: Key Differences 02:02 Understanding FEMA Regulations 02:33 Two Clocks, Two Residency Tests 03:03 Bank Procedures on Return 04:44 Debunking the Biggest NRE Myth 05:41 What Happens to NRE FDs? 07:07 The Truth About NRE FD Tax 08:07 FCNR(B): The Clean Exit Strategy 09:00 Tax Implications for FCNR 10:10 Managing RFC at FCNR Maturity 10:49 3 Essential Tasks Upon Returning 11:38 Critical TDS Warning 12:06 Summary & Final Thoughts About Belong Belong is a fintech platform built for NRIs who want to invest in India with clarity and confidence. From USD Fixed Deposits to GIFT City Mutual Funds, Belong connects global income with Indian opportunities without the NRO, NRE or PIS maze. Explore Belong: Website: https://getbelong.com  App: https://app.getbelong.com/LywZ/YT  Instagram: https://www.instagram.com/getbelong  LinkedIn: https://www.linkedin.com/company/getbelong  X: https://x.com/GetBelong  Join our WhatsApp community: https://community.getbelong.com/

    13 min
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About

Welcome to 'Everywhere We Belong', a podcast from Belong, a finance technology company from Bangalore, India. We cover topics relevant to NRIs and global Indians everywhere.

Information

  • Creator
    Belong
  • Years Active
    2025 - 2026
  • Episodes
    30
  • Rating
    Clean
  • Copyright
    © Belong
  • Show Website
    Everywhere We Belong