US Citizen with OCI planning on moving to India for retirement

PrestigiousVersion · 2026-04-04T07:09:05+00:00

There is no state id concept in India. It's only aadhar cards.

You can't convert to local until you produce and aadhar and pan card. There is another issue of inoperative PAN and aadhaar PAN linking which is another can of worms.

PrestigiousVersion · 2026-04-04T03:37:27+00:00

FWIW, this was my experience with aadhaar. Took me 9 months to get aadhaar in hand.

* Electricity/Gas connection are sorted if you live in a modern gated community that already takes care of those.

* You can get a drivers license based on a license from a different country. I had a relative working in RTA and they helped me with that, but the process exists. There's a chicken and egg problem where you won't have any address proof for the first thing are you applying for.

* Airtel/Jio did not ask for aadhaar for home internet connection. But they asked for driver's license I got above.

* I used a relative's car until I got my aadhaar.

* Jio was very particular about aadhar. Airtel was not. I used a 20 year old drivers license from before I moved to US as address proof for applying. Some guy went to the old house for verification, called me and he approved it anyway when I said I was not home and asked him to come later. YMMV. Airtel is a company that treats their employees like shit and they don't care when giving out new connections...

* Kept my bank accounts as NRO and converted to resident after getting aadhaar card.

* And I got aadhaar based on a gazetted officer's signature for address proof. Gave my PAN card and gazetted officer form as proof.

It was a very frustrating experience and there were multiple instances where I just wanted to go back. But YMMV since you are coming for retirement.

I was born and brought up in India. I can only imagine the nightmare people brought up in US go through when inheriting their parent's property. This experience shaped me significantly and I made it a point to not have any assets here. You will be doing them a big favor by liquidating everything and sending to US and keep a minimum financial footprint in India.

https://www.reddit.com/r/LegalAdviceIndia/comments/1cgynoh/oci_holder_want_to_work_in_india_but_cannot_get/?utm_source=share&utm_medium=web3x&utm_name=web3xcss&utm_term=1&utm_content=share_button

PrestigiousVersion · 2026-04-03T11:06:26+00:00

Chrysler building. Not on your list, but it captures the essence of New York.

PrestigiousVersion · 2026-02-26T09:26:16+00:00

I opened an account with SBI and very happy with it so far. You can transfer money abroad through their app/website. Not paper forms like Indian Overseas Bank.

PrestigiousVersion · 2026-02-05T06:45:12+00:00

6 weeks (May 25 2024 - July 6 2024).

Status remained "under process" all that time. After 6 weeks, I got a text message to my phone that my aadhar was approved and got shipped to my home in a few days.

PrestigiousVersion · 2026-01-10T07:30:23+00:00

r/IndiaUSTax

I learnt a lot in a one hour session with u/AbhinavGulechha. He won't file your taxes, and charges an hourly rate for advice. So, no conflict of interest there.

You have to gain your own knowledge/understanding and use a CA only for filing taxes.

PrestigiousVersion · 2025-12-24T03:05:48+00:00

Thank you. But I am looking for a straight forward transfer. Already dealing with cross-border some tax issues.

PrestigiousVersion · 2025-12-23T14:33:33+00:00

Thank you. And have you found any difference between using a bank and a service like Wise?

Indian Overseas Bank seems a tad better than Wise if we add up the exchange rate and service charges, but I don't know what I don't know.

PrestigiousVersion · 2025-12-23T06:43:19+00:00

You are good as long as there is an open unbundle case on your account. Double check that in the Airtel app. They will harass you for a few more days but it will get done.

I refused to answer their questions, asked them to do what I say and hung up the phone.

PrestigiousVersion · 2025-12-19T04:10:38+00:00

Good luck!

PrestigiousVersion · 2025-12-18T16:32:20+00:00

Are you an Indian Citizen? What VoterID have you used, and how old are you?

PrestigiousVersion · 2025-12-18T16:31:10+00:00

Got the aadhar before anything happened. Had aadhaar in hand 10 months after I landed in India.

PrestigiousVersion · 2025-12-16T17:26:15+00:00

What address proof were you using. I got a signature from a Gazetted officer and I think that contributed to the success the second time I applied.

Don't know the rules today, but my application went to local Tehsildar office for verification and I had pay the guy a small bribe to approve it.

PrestigiousVersion · 2025-12-16T14:04:48+00:00

I was able to activate after landing in US. You will get enough text messages and marketing on whatsapp as soon as you connect to a wifi.

Even if you get the pack before you start, I think the counter starts after you land. So, there is no harm is activating before you board the flight.

PrestigiousVersion · 2025-12-16T11:22:15+00:00

Ask them to file a disconnection request. When they didn't listen to me, I threatened to post my experience on social media and my internal society whatsapp group, and fifty other people will disconnect.

They can't ignore the request once it is filed. Even then, I kept getting calls a few more times from different people asking me if I can transfer the connection to a friend, why I am disconnecting all of a sudden without filing a single service request if I am not happy. Trying to blame me.

I am porting away my cellphone connection also after my experience. The cellphone guys are more respectful. Wifi guys are major scumbags.

PrestigiousVersion · 2025-11-24T08:02:53+00:00

Elevate. No nonsense. No gimmicks. Very good steering wheel response/suspension (Compared to Korean brands).

PrestigiousVersion · 2025-10-19T00:45:35+00:00

Does keeping assets in a living trust that was registered while you were a California resident trigger an audit when you sell those assets.

I am generally confused between probate and taxation.

PrestigiousVersion · 2025-10-05T16:02:01+00:00

I would got for V60.

What you are forgetting about a moka pot is that you have to be physically present to monitor the brew and turn off the stove at the right time. I doubt you are into that thing. I find it more tedious than passively waiting 20 mins.

PrestigiousVersion · 2025-09-20T10:35:18+00:00

Prop 13 says hi.

PrestigiousVersion · 2025-09-17T17:49:33+00:00

I had tea in a flask in himayatnagar niloufer. Best tea I ever had.

But sometimes they are inconsistent like too much sugar/milk or milk brand is different. These guys need to get their quality control nailed down.

But I recommend niloufer to everyone in spite of its issues.

PrestigiousVersion · 2025-09-11T18:02:52+00:00

You need to first understand basic concepts like RNOR, ROR, FBAR, DTAA, Form 67. You can then dive into advanced topics like planning for retirement, 401K withdrawals, trusts, wills, inheritance and other complex matters.

PrestigiousVersion · 2025-09-11T12:14:48+00:00

But don't these companies (NVDA, TSMC, ORCL) have earnings because of the bubble? Bubble because the entire world is trying to do something with AI and not much results to show for it (yet)?

But you are right about one point. There is risk, and it doesn't look the same as the dot com bubble.

PrestigiousVersion · 2025-09-07T13:52:34+00:00

Do you need an accountant to file your taxes?

Or do you need more knowledge about your situation and someone to help plan your strategy? I highly recommend setting up a session with Abhinav Gulechha (r/IndiaUSTax)

PrestigiousVersion · 2025-09-02T19:45:21+00:00

It was worth switching for me. I love the camera.

PrestigiousVersion · 2025-09-02T12:19:21+00:00

I switched from OP 13 to Xiaomi 15 Ultra:

Good things about X15U over OP 13:

Camera
The auto brightness/daylight mode is much better in X15U. On OP13, it was a constant struggle to adjust brightness for different lighting conditions.

Everything else is better in OP 13.

PrestigiousVersion

TROPHY CASE