Keerthi’s FinFo NRI

Keerthi’s FinFo NRI Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Keerthi’s FinFo NRI, Financial Consultant, Dubai.
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CS Keerthana Merame
🧶Founder : Dhee Consultancy, Dubai
📍One Stop Solution For NRIs
🎯NRI Finance I Tax I Investing
🎓ACS I CIMA(L3) I SCA, AMFI Regd OD276114
✍️ [email protected]

30/05/2026

Gulf NRIs …Rupee is hitting 100 against USD sooner than you think !

Holding rupee FDs in NRE/NRO accounts may not be a good idea. Depreciation is silently killing your real returns.Because GCC currencies are pegged to USD

So it’s better to switch to a USD FD through Belong — you can earn up to 6% returns, fully online KYC, flexible tenures of 3, 6 or 12 months, regulated by IFSCA and held with RBL Bank.

👇 Comment “USD FD” to get the the link!

28/05/2026

The IT department is sending notices to NRIs for very specific reasons. And one simple step — filing your tax return before July 31st — can avoid most of the problems that follow.

Here’s your checklist. ....to avoid Indian IT notices.

First — do you own a flat, house, or shop in India that’s on rent? If that rental income crosses the basic exemption limit…₹4 lakhs under the default new tax regime or ₹2.5 lakhs under the old regime…. You need to file.

Second — do you have an NRO account or an old savings account sitting in India? The interest it earns is fully taxable. And your bank reports that data directly to the IT department — every year, automatically. You need to file if your total income exceeds the threshold, or if you want to claim back the heavy 30% TDS bank deductions.

Third — did you sell any property or shares in India this past year? Even if TDS was deducted, Capital gains still need to be reported in your ITR to avoid flags from automation systems. So You need to file.

Fourth — did you make any large transfers or deposits into Indian accounts? The system flags these automatically. A correctly filed return is the only clean answer you can give when they come asking. So think of filing.

Fifth — is your total taxable income from India is above the basic exemption limit….Doesn’t matter which country you live in. Doesn’t matter if TDS was already cut. The obligation doesn’t disappear. You need to file.

Sixth — are you claiming DTAA benefits? Without a Tax Residency Certificate and the right documentation, that claim won’t hold up. so — you need to file.

Seventh — have you recently moved back to India but never updated your residential status? That mismatch may be already recorded in their system. It will trigger a notice. You need to update your status and file.

File your tax returns before July 31st. Filing isn’t complicated. Ignoring this may make your NRI life complicated.

Are you parking your emergency funds back in India in the WRONG place and losing returns without realizing it as NRI?NRE...
27/05/2026

Are you parking your emergency funds back in India in the WRONG place and losing returns without realizing it as NRI?

NRE Fixed Deposit vs FCNR vs GIFT City IFSC vs Debt Mutual Funds — which one is best for your emergency corpus?

Tax-free interest, full repatriation, liquidity & safety — I explain in detail with latest RBI guidelines.

Comment “NRI” and I’ll send you the complete video 👇

23/05/2026

How to manage your 401(K) or ROTH IRA Account when you return to India as NRI from the US?

22/05/2026

Know these 4 Rights, if you are staying in a rented house in Dubai…

This can save you thousands of Dirahms !

20/05/2026

NRIs & expats in UAE — you’re probably losing thousands of Dirhams without even knowing it! Most firms charge based on transactions or revenue.

But BCL Globiz Accounting and Consulting LLC gives you FREE Accounting & Bookkeeping with Unlimited Transactions and has no caps !

Their ‘Grow’ package is just AED 750/month or 7500/year — covering Accounting, Corporate Tax + VAT compliance, audit-ready finances & a 100% refund guarantee. Zero risk!

Use code KEERTI40 for up to 40% off! Comment ‘keerti40’ & get the link directly in your DM! 👇

19/05/2026

A crisis brings a reality check to your financial planning.

Audit now—ask these questions:

Are you on the right path to achieve financial freedom?

How much corpus should NRIs target to stop working and achieve financial freedom?

If you don’t get it, Here is the answer…

After 17 years, we visited Mumbai.And we were pleasantly surprised by the infrastructure development and the experiences...
17/05/2026

After 17 years, we visited Mumbai.

And we were pleasantly surprised by the infrastructure development and the experiences it offers.

I have noticed that most NRI kids tend to have negative perceptions about India.And their parents flaunt it with pride.

We don’t want our son Arha to be in that camp. So, two years ago, we made a conscious decision — whenever we visit India, we will create positive impressions for our son that will last for many years to come.

Last year we visited Coorg and stayed at a resort. My son felt it was better than Thailand.
This time we visited South Mumbai, and he is now telling me that the roads, hotels, and people are just like Dubai.

I feel every country has its pros and cons. And what we “deposit” in our children’s minds “compounds” over time.

Our mission continues. Next stop — Kerala.

15/05/2026

If you are coming to India as an NRI or Indian origin traveller from a foreign country — you can bring up to 1 kg of gold, and you may be eligible for concessional duty at customs.

India recently hiked the general gold import duty from 6% to 15%, and gold prices in India went up. But many don’t know that eligible passengers can still get concessional treatment when bringing gold from abroad.

Everyone knows up to 20g for men & 40g for women in jewellery can be tax-free, subject to conditions. But Indian passport holders or persons of Indian origin who have stayed abroad for at least 6 months can bring up to 1 kg of gold — including bars and coins — at a concessional duty rate. This applies to both NRIs and residents who are returning.

Generally, the tax applicable for non-eligible cases is much higher around 36% .But if you declare it at the Red Channel with proper purchase invoices, eligible passengers pay concessional duty of around 15% following which includes 10% basic customs duty + 5% Agriculture & Infrastructure Development Cess. on the full value.

Remember — duty must be paid in foreign currency like USD, EUR, AED, etc. You also need documents proving you stayed abroad for more than 6 months and that the gold is not for commercial use.

14/05/2026

Use code KEERTHI2026

When NRIs Send Money Home — What Should You Consider?

Zero transfer fee or something else?

Every time you send money home, if you just look at zero transfer fee, you are losing more than you think — without even realizing it. Because these apps or banks offer Lower exchange rates.

But apps like ‘Aspora’ fixes this.They offer live Google rates with minimal, capped transfer fees across UAE, US, and many countries.

So even when you pay a small fee, you still save a big amount overall.

And to make it even better — you can use code ‘Keerthi2026’ and your first transfer is completely free.

Do you want to try?

Comment NRI or click the link in bio to download Aspora.​​​​​​​​​​​​​​​​

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Dubai

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