Podcast
Everywhere We Belong
Hosted by Belong · EN
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.
18episodes
Episodes
Newest firstAll episodes
From ₹1.5 Crore Debt to ₹12 Crore Portfolio | NRI Investment Strategy
Apr 2000:22:20Tap to summarize"I took a leap too high and had no protection. That property taught me everything about risk."Meet Dr. Atul Sawant, a radiologist who had ₹1.5 crore in debt while investing in India. He now makes over 6% yields in Dubai. Here's how he did it.In this episode, he breaks down:How he recovered from ₹1.5 crore debt in IndiaThe 70-20-10 portfolio allocation that creates millionairesThe escrow account protection that makes Dubai investing saferCurrency & country diversification that saved his portfolioThe one mistake NRIs keep making with Indian propertyChapters00:00 - Intro01:48 - Personal Journey02:15 - Move to Abu Dabhi03:28 - Investing Journey05:11 - Portfolio Allocation07:02 - Real Estate Investment Journey10:34 - India vs Dubai Real Estate14:15 - Dubai Real Estate amid Current Geopolitical Issues 15:35 - How Dubai Protects Investor Capital16:40 - Myth vs Fact: Dubai EMIs18:15 - Impact of another Financial Crisis on Dubai Real Estate20:20 - Advice for NRIs Planning to Invest in IndiaAbout BelongBelong 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/
Transcribe →5 NRI Mistakes Ruining Your Indian Savings (FIX NOW)
Apr 1500:09:14Tap to summarizeAre you unknowingly losing money than you should, just because nobody told you the rules?In this video, we break down the 5 most common financial traps that quietly drain NRI wealth every single year. No scams, no bad investments — just rules that work differently than most people think.If you're an NRI with money parked in India, this one is worth watching till the end.Chapters:0:00 - ₹9 Lakh Lost Without Doing Anything Wrong 0:51 - Trap 12:12 - Trap 23:31 - Trap 3 5:06 - Trap 47:01 - Trap 5 9:03 - Do These 3 Things This Week About BelongBelong 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/
Transcribe →Lived Abroad for 19 Years… Now Financially Free in India (The Reality)
Apr 900:19:35Tap to summarizeIs 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.Chapters0:00 - 1% More Capital vs 1% More Return1:23 - Bhasker Jaiswal Career Journey2:15 - Why He Moved Abroad?3:46 - ₹50 Lakh Gone in 2 Months in India5:10 - Financial Challenges After Coming Back to India8:46 - How Much Money Do You Need Before Coming Back to India9:03 - Inside His $1.5M Portfolio11:11- How Currency Ate His Returns13:29 - Why He Never Picks Stocks14:08 - Hardik Pandya's Financial Lesson15:04 - The Biggest NRI Misconception17:11 - Why Nobody Ever Has "Enough"18:00 - What Does Rich Actually Mean?About BelongBelong 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/
Transcribe →The End of Self-Claimed Foreign Tax Credit? The New CA Verification Rule
Mar 2600:11:43Tap to summarizeIs 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.Chapters00:00 Intro00:40 Before We Begin01:24 DTAA vs FTC02:30 The New Architecture03:32 Form 4404:04 The CA Verification Trigger04:52 FTC Mechanics05:30 Disputed Foreign Tax06:29 FTC Roadmap06:57 FTC Timelines07:46 Currency Conversion08:21 Documents Required Under Draft Rule 7609:11 The Three Buckets Framework09:45 FTC File Checklist10:48 TakeawayAbout BelongBelong 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/
Transcribe →NRI Mutual Fund Guide 2026: How to Invest Using GIFT City
Mar 2400:12:15Tap to summarizeMost 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.Chapters0:00 Intro0:42 Mutual Fund Categories1:25 Investment Goals2:05 Risk Capacity & Tolerance4:27 Age vs Asset Allocation5:16 How to Choose the Right Funds8:50 Two Ways to Invest in Mutual Funds10:05 Importance of Emergency Funds10:50 TakeawaysAbout BelongBelong 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
Transcribe →How to Move Back to India Tax-Free: The RNOR & FCNR Strategy
Mar 2300:13:32Tap to summarizeAre 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.Chapters00:00 Intro00:49 The Why Behind the Delay01:58 FEMA vs Income Tax03:15 What Banks Actually Do04:01 The Right Order of Operations04:53 The Smart Bridge06:02 Don't Forget Your Investments06:35 Use Your India Time Wisely07:49 The Common Confusions09:35 The Loophole11:05 The Big Misconception11:50 DTAA: How to Handle It12:28 The TakeawayAbout BelongBelong 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/
Transcribe →Are You an NRI Looking for a Pension Scheme in India? | Complete Guide for NPS & APY
Mar 1600:07:12Tap to summarizeThink 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.Chapters00:00 - Intro01:05 - The National Pension Scheme04:02 - Atal Pension Yojana04:25 - Can NRIs Invest in NPS or APY?06:25 - Closing StatementAbout BelongBelong 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/
Transcribe →Why Smart NRIs are Skipping Large-Caps and Buying This Instead | Belong
Mar 1100:06:23Tap to summarizeMost 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 companiesHow mid-cap earnings growth has outpaced large caps over full market cyclesWhy cleaner balance sheets and improving ROE make mid-caps a compelling long-term betHow NRIs can access Indian mid-caps tax-free through the GIFT City structureThe 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/Chapters00:00 - Intro01:16 - The Mid-Cap Potential03:30 - Mid-Caps: The NRI Growth Engine04:22 - The Sundaram Mid-Cap GIFT Fund05:26 - The GIFT City AdvantageAbout BelongBelong 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/
Transcribe →From Banker to Oxford's EdTech Partner | XED’s IPO That NRIs Should Know About
Mar 900:57:38Tap to summarizeWhat 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 universitiesWhy they charge $28,000 per seat (and still have a waitlist)The B2B & B2C model fueling their growthPost-IPO plans: AI, acquisitions & global expansionWhy NOW is the right time to go publicIf you're an investor, executive, or simply curious about the future of premium education — this one's for you.Chapters00:00 - Intro00:34 - Early Life and the Birth of XED03:40 - 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 Learning23:52 - Is XED a B2B or B2C?31:59 - Long-Term Plans for B2B & B2C33:53 - How XED is Positioning itself Against the Competitors?38:13 - How Scalable is XED?42:25 - Long-Term Plans for XED46:34 - What Makes XED Sustainable in the Long-Term?49:49 - What are the Post-IPO Plans for XED?53:13 - Rapid Fire QuestionsAbout BelongBelong 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/
Transcribe →The Expensive NRE & FCNR Myth Nobody Warns You About
Mar 500:13:27Tap to summarizeMost 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.Chapters00:00 Intro01:08 The Two Clock Analogy01:45 NRE vs. NRO vs. FCNR: Key Differences02:02 Understanding FEMA Regulations02:33 Two Clocks, Two Residency Tests03:03 Bank Procedures on Return04:44 Debunking the Biggest NRE Myth05:41 What Happens to NRE FDs?07:07 The Truth About NRE FD Tax08:07 FCNR(B): The Clean Exit Strategy09:00 Tax Implications for FCNR10:10 Managing RFC at FCNR Maturity10:49 3 Essential Tasks Upon Returning11:38 Critical TDS Warning12:06 Summary & Final ThoughtsAbout BelongBelong 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/
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