This is for all NRl's. I paid to a real estate company for a plot and I had agreement with them. I paid this amount to Layout developer. A NRI person had chosen the same plot and she knows that I have agreement with the developer., irrespective of this... She chose to purchase this plot and directly had registration with land owner. Now, that real estate company and devloper hasn't paid back my money even after an year of my agreement. Please NRI's, just because you have money..not following minimum morale led me ... to depression. It was 40 lakhs and 20 lakhs on loan. Complained on real estate company to police. They took my write up. But didn't file the case. I am scared of investment in Hyderabad. Real estate company name: One estate India pvt. Limited and developer was " Raja developers". Layout name was: IIT county, near IIT Hyderabad.
As a recent NRI i already had this experience of pressure on investing some insurance or related products. But already im a money pursian by that time and i calculated the way sai anna showed in one of the vedio how to caluclate return. So i avoided fhat product after calculating. Thanks sai anna for that ❤
For UK residents. Suggest reading and understanding SIPP and ISAs (individual Savings accounts) where these are tax efficient. Can save 100% income tax on SIPP, or 100% capital gain tax on ISAs. 1. Using ISAs can invest in UK, US, and EU stocks along with Indian stocks with ETFs like JPMorgan, Aberdeen, and MSCI .. with a complete capital gain tax exception. 2. With SIPP can invest in UK, US, and EU stocks along with Indian ADRs directly like Infosys, HDFC, ICICI, Tata Motors, and Reliance (LSE), and ETFs like ISAs with 100% tax savings while earning.
Please clarify on how to handle all the accounts discussed in video if we plan to return back to India in 5 - 10 years. Also can EPF account be redeemed even after 7 years ?
Very comprehensive and informative video as always Sai garu. Does the same rules & regulations of NRIs applies to OCI cardholders also ? Pls clarify. Also pls consider making another detailed video on step by step approach in converting existing bank/demat accounts to NRO accounts and on existing Indian credit cards if any, can be continued. Thanks.
Yes absolutely untill I paid premium they were calling me all the time n than reality started, even after 4 months I'm yet to get policy and also when I cancelled I'm yet to get refund
Thank you so much Sai Garu and to your team. There were some videos in RUclips which are specific to NRI's in middle east but till now I didn't see any videos which covers details of Term plans for US NRI's. Your video is very informative. Thank you.
Hi Bro, this is very informative and very crisp to the point, I have a question on agriculture land, I lately understood that NRI’s cannot invest in agricultural lands, What is the best way to deal with this Situation )? 1. Should I sell this as soon as possible ? 2. Can I apply for RBI approval now ? Any other suggestions Thanks,
Thank you so much for the information Money purse team. I learnt a lot from your channel and gained a lot . I request more of these NRI knowledge videos in future. Thank you again.
Thanks for the valuable information . Please do a discussion on commercial real estate and various to option available currently for NRI's and in general Indian residents . Thanks!
I am NRI 🇺🇸 we have best investement options here which is 401k like NPS/ SIP in india. We will get pension called social security on top of that. So sending money to India for investment is bad option. Current interest rate for FD is 5.15%
Top Notch content Money purse team,as as NRI i am hooked from first min to las min .I want to update that many banks like HDFC and ICICI are giving option to open NRI,NRO and NRO demat account from other country it self.
Hi anna, what would be the case when we decided come bsck in next few years Do we still need to follow all these, because plan to stay here for few years, please confirm
Term insurance in India is very expensive when it’s compared to insurance in USA as Avg lifespan in India in less than USA. Get estimates before making a decision.
Thanks for the video Money Purse and Team, But there will be a correction for NRIs from US. It is not advisable for this country's NRIs to invest in India Mutual Funds, there are NO complications when your KYC is updated from Indian side but US tax rules are very complicated because of PFCI regulations. Could you please bring up this point in your next video to clarify more please. thanks
I’m from Australia - very informative. One more thing is the process of opening a nri demat account is very difficult process. Regarding address proofs and other documents, please get them attested
Hii i am going to the UK for Higher education and I am planning to return back within 3 - 4 years. And i am planning to invest while i am studying. Did I need to do NRI kyc to my demat accounts. If yes, can I change it after retuning back to India.
Thanks alot for this video, i was asking this video from very long time. Please do regular videos on NRI topics, and it will be really good if you name few SIPs by providing a warning stating RISK is on investors but sharing your view so that someone can invest.
Thanks Money Purse. One question. I had taken iTerm policy in 2012 for 1cr at the time of the policy I had gone through the blood work all came good, after that they had given policy to me. At that time I did not have a habit of drinking, however currently I had habit of drinking & got weight gain as well due to stress in work & now out of country as well. I do inform that I am out of country but I did not inform about I had started drinking. Do I need to inform now to them, If I informed now Is there going to increase permium ? as I had taken this insurance when I am mid of 30 years got insurance permium is less at that time when you compare with other Term insurance companines. 2. In these years I had taken couple of insurance policies in the country where I resides do I need to inform them as well?, why I asking this question is at the time of application they have asked to inform all policies which I have so I had mentioned it.
Hi Anna, I was investing in both lic policy and apy (when i am a student), now as a NRI, Can i continue them or not? Do i need to updated anything with bank or lic?
సార్ సర్ నేను మ్యూచువల్ ఫండ్స్లో ఇన్వెస్ట్ చేద్దామనుకుంటున్నాను కాకపోతే ఎన్నారై ని నా జాబ్ ఎప్పుడు వరకు ఉంటాదో ఒక గ్యారెంటీ లేదు కనుక ఇండియా లో ఒక సంవత్సరం ఉంటాను లేదా రెండు సంవత్సరాలు ఉంటాను దాని తర్వాత మళ్లీ రిటర్న్ ఎక్కడ గల్ఫ్ దేశాలకు వెళ్తూ ఉంటాను వెళ్తుంటాను నాకు ఇండియాలో అగ్రికల్చర్ ల్యాండ్స్ ఉన్నాయి అలాగే నాకు sbi అకౌంట్ లో ఇండియన్ ఎకౌంటు ఎన్ ఆర్ ఈ అకౌంట్స్ ప్రైవేట్ బ్యాంక్స్ లో ఉన్నాయి ఇప్పుడు నేను ఏ బ్యాంక్ అకౌంట్ తో మ్యూచువల్ ఫండ్స్ తో ఇన్వెస్ట్ చేస్తే మంచిది
22:12 Hello, can you please advise how NRI can cancel the SSY because post office people are saying that we can continue. I'd greatly appreciate a response. The account was opened in 2017 and I just found out from your video. Thank you
Bro make a video on commercial property like giving big space to rent out Mnc companies n malls , it’s open space selling so many people Please do it bro , thank you
Excellent topic in r/o real estate investment white money concept My relative not listen my suggestion In r/o investment involves huge crores 50% of Investment Made black money during Feb 20-21 ( Not interested to quantify the value) Luckily due to corona his investment yields 3టైమ్స్ of investment Being approved dtcp and huge investment involves the buyer wants loan I mean buyer Paying white money only Due to STCG - RELATIIVE NEEF TO PAY HUGE TAX I.E ABLE TO CLAIM AS DEDUCTION FROM SALE PRICE TO THE EXTENT HE PURCHED BANK TRF. I.E 50% OF INVEST PAID IN CASH HAS NO DEDUCTIU
27:00. You suggested to buy land using white but everyone knows that no land transaction happens purely in white. Does this mean that NRIs better should not invest in lands? Is there any way out? If anyone already invested in land, how to manage the selling process?
Thanks for your efforts, I have NRE account hdfc but my zrodha linked to savings account of another bank citi, so how can I invest from NRE using zrodha and zrodha coin
@Moneypurse I have been holding MF from 2016 and moved outside India in 2022 and stopped my SIP in 2023-July after I got to know about FEMA regulations. But I have not withdrawn the funds. It will be matured by 2026 July to redeem it. In your Video, You have told 30-04-2025 is the last date. Can you tell me can continue to hold them without paying monthly SIP? Thanks in Advance ❤😊
Hi Sai garu. Thank you for the video. I am an NRI. please let me know if you are a CA and you will be able to help in filing NRI tax returns or please recommend a Good CA.
No news stuff… All knows about these items discussed. What will happen to NRE FDs once return back permanently after spending more than 15 years in abroad
I opened a PPF account when I was an Indian Citizen, and continue to invest in PPF even after becoming an NRI. Currently 10 years had lapsed since I opened my PPF account. However, I recently acquired Canadian Citizenship and surrendered my Indian Citizenship and obtained an OCI. My question is can I continue to invest in PPF until maturity it's?
Regarding term insurance:- if i have 10L Term insurance while i was in india and continuing payment after moving to USA, Can i take another term insurance for 1cr from another provider ? Or can i upgrade the existing 10L to higher amount.
Hi Team, I'm working now and I going to abroad for my higher studies next year. I have equity investments. What should I do now? As a student should I convert the demat account to NRI account or what can be best possible way so that I hold my stocks for next few years... Actually I created my portfolio with long-term horizon of 7-10 year's
Last point you said in the video is absolutely right!!! - Everyone takes advantage of selling something to us though it is not lucrative. I have many experiences in last 9 years!! I plan to invest sometimes to get some attention from the banking people for banking related issues but they forget the transaction once it is done
Sir I got NRO pins and non pins, 4-in one icici demat account. My question is which one to invest, I mean earrings in India and earnings from nz. Can I invest in nro pins merging both income from India and nz.
Bhayya First NRI ante Vere country Citizenship vochina valla or Work visa tho vere countries lo some years velle valla?? And what if we invest from india on one dmat account and bought shares and after that we moved to other country? How we transfer the shares at that point from Indian dmat account to NRI dmat accont?
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My name narasimha.
from canada
Me contact information kavali andi
This is for all NRl's. I paid to a real estate company for a plot and I had agreement with them. I paid this amount to Layout developer. A NRI person had chosen the same plot and she knows that I have agreement with the developer., irrespective of this... She chose to purchase this plot and directly had registration with land owner.
Now, that real estate company and devloper hasn't paid back my money even after an year of my agreement.
Please NRI's, just because you have money..not following minimum morale led me ... to depression. It was 40 lakhs and 20 lakhs on loan.
Complained on real estate company to police. They took my write up. But didn't file the case. I am scared of investment in Hyderabad.
Real estate company name: One estate India pvt. Limited and developer was " Raja developers".
Layout name was: IIT county, near IIT Hyderabad.
I am sorry to hear what happened to you. Pls stay strong. This doesn’t just apply to NRI. This apply to everyone.
అన్నా...ఫైవ్ ipo ల పై వీడియో చేయు అన్నా..Monday close అవుతాయి. Last IPO లు ఒక్కటి allot కాలేదు.బెస్ట్ ipo లు ఉంటే apply చేస్తాం
As a recent NRI i already had this experience of pressure on investing some insurance or related products. But already im a money pursian by that time and i calculated the way sai anna showed in one of the vedio how to caluclate return. So i avoided fhat product after calculating. Thanks sai anna for that ❤
Please do more series of videos related to NRIs..
Thank you Sai Garu and Team for making a exclusive video for NRI guys
Most Welcome andi
For UK residents.
Suggest reading and understanding SIPP and ISAs (individual Savings accounts) where these are tax efficient. Can save 100% income tax on SIPP, or 100% capital gain tax on ISAs.
1. Using ISAs can invest in UK, US, and EU stocks along with Indian stocks with ETFs like JPMorgan, Aberdeen, and MSCI .. with a complete capital gain tax exception.
2. With SIPP can invest in UK, US, and EU stocks along with Indian ADRs directly like Infosys, HDFC, ICICI, Tata Motors, and Reliance (LSE), and ETFs like ISAs with 100% tax savings while earning.
Super video sir.. thank you. Meeru NRI valla kosam cover chesaru. Can you cover for Indians who took foreign citizenship?
Please clarify on how to handle all the accounts discussed in video if we plan to return back to India in 5 - 10 years. Also can EPF account be redeemed even after 7 years ?
Very comprehensive and informative video as always Sai garu. Does the same rules & regulations of NRIs applies to OCI cardholders also ? Pls clarify. Also pls consider making another detailed video on step by step approach in converting existing bank/demat accounts to NRO accounts and on existing Indian credit cards if any, can be continued. Thanks.
I am having DMAT account in Zerodha , will they allow to convert NRI Dmat account , I do have some investment in that
Sorry to say sir Policy bazar had bad experience sir due to high costumer concentration
Yes absolutely untill I paid premium they were calling me all the time n than reality started, even after 4 months I'm yet to get policy and also when I cancelled I'm yet to get refund
Ditto is much better, no spamming at all
Finally… long awaited video.. Thanks Money Purse team .. Really appreciate your efforts.. looking forward for some more specific topics for NRI”s..
Well done MP team and Sai 👏👏👏
Very informative and structured video. Thanks Money Purse team. Please do more series of videos related to NRIs.
Thank you so much Sai Garu and to your team. There were some videos in RUclips which are specific to NRI's in middle east but till now I didn't see any videos which covers details of Term plans for US NRI's. Your video is very informative. Thank you.
Hi Bro, this is very informative and very crisp to the point,
I have a question on agriculture land, I lately understood that NRI’s cannot invest in agricultural lands,
What is the best way to deal with this Situation )?
1. Should I sell this as soon as possible ?
2. Can I apply for RBI approval now ?
Any other suggestions
Thanks,
Thank you so much for the information Money purse team. I learnt a lot from your channel and gained a lot . I request more of these NRI knowledge videos in future. Thank you again.
Thank you so much for sharing such valuable information.
Thanks Moneypurse team!! Most awaited content, thanks for sharing.
Thanks for the valuable information . Please do a discussion on commercial real estate and various to option available currently for NRI's and in general Indian residents . Thanks!
Just ee roje NRIs kosam video cheyyandi anna ani adugudhaam anukunna. Meeru super anna, maa minds ni chadivesthaaru😅
I am NRI 🇺🇸 we have best investement options here which is 401k like NPS/ SIP in india. We will get pension called social security on top of that. So sending money to India for investment is bad option. Current interest rate for FD is 5.15%
23:28 I like this spontaneous free-flow conversation ! 😝😝😝😝😝😝😝😝😝😝😝😝😝😝😝😝😝😝😝😝😝
@MoneyPurse Thanks for the video on NRI. I'm a Returning NRI and welcome this video.
Top Notch content Money purse team,as as NRI i am hooked from first min to las min .I want to update that many banks like HDFC and ICICI are giving option to open NRI,NRO and NRO demat account from other country it self.
Thanks for informative content Sai anna.need much more in detailed content related to this
please do another updated NRI's Complete Finance Guide🙏🙏🙏🙏
Good information, Thanks sai garu.
Thanks for alerting me. I will plan to travel to India and get everything converted legally
Really really good discussion
Thank you very much Sai garu. Very Very informative video. Most of the doubts cleared with this. video like PPF, EPF, SSY, Gold Bonds etc.
Hi
From 2016..
Interest is adding even account is inactive ..
Sai garu can you please make a video on NET AVENUE IPO which is closing on 4th coming Monday.
Please explain nre account holders rules, who is staying in Dubai
Yeah, they made me buy TATA AIA ulips 30:40 . Thank you bro for this video
Thankyou Sai Anna.. Video is very useful and it clarified many of my doubts.
Hi anna, what would be the case when we decided come bsck in next few years
Do we still need to follow all these, because plan to stay here for few years, please confirm
Sooooooooo Super Informational Video 👌👌👌👌👌👌👌👌 ThankYou So Much SaiSir and MP Team 🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏
Nice information Sai gaaru
@moneypurse thank you for your information , could u plz Advice term insurance of Kotak Mahindra will be best option?
Thanks MP team. I've asked many times for this video. Finally most helpful video for me being a NRI
Hi Sir.....I have taken term insurance when I was in India. Now, I have moved abroad recently. Will the term insurance be valid now?
Thanks a lot for the video, just started the video, hoping to know lot of new things
Term insurance in India is very expensive when it’s compared to insurance in USA as Avg lifespan in India in less than USA. Get estimates before making a decision.
Thanks for the video Money Purse and Team,
But there will be a correction for NRIs from US. It is not advisable for this country's NRIs to invest in India Mutual Funds, there are NO complications when your KYC is updated from Indian side but US tax rules are very complicated because of PFCI regulations. Could you please bring up this point in your next video to clarify more please. thanks
+1
+1
Very informative Sai garu
Great video sai garu, but do you think in current scenario anybody selling plots in complete white money ?
I’m from Australia - very informative. One more thing is the process of opening a nri demat account is very difficult process. Regarding address proofs and other documents, please get them attested
Hii i am going to the UK for Higher education and I am planning to return back within 3 - 4 years. And i am planning to invest while i am studying. Did I need to do NRI kyc to my demat accounts. If yes, can I change it after retuning back to India.
sai garu, మీ haircut చాలా బాగుంది. please keep it up.
Thanks alot for this video, i was asking this video from very long time. Please do regular videos on NRI topics, and it will be really good if you name few SIPs by providing a warning stating RISK is on investors but sharing your view so that someone can invest.
Sai garu - like and share every video ki adagakandi chiraku vastundi :) content unte automatic ga likes and shares vastay.
Valuable and very useful info. Thanks for sharing yr knowledge.
Most welcome
Does NRIs need to convert regular Adhar to NRI Adhar ? Or apply separate NRI Adhar and keep both ?
Thanks Money Purse. One question. I had taken iTerm policy in 2012 for 1cr at the time of the policy I had gone through the blood work all came good, after that they had given policy to me. At that time I did not have a habit of drinking, however currently I had habit of drinking & got weight gain as well due to stress in work & now out of country as well. I do inform that I am out of country but I did not inform about I had started drinking. Do I need to inform now to them, If I informed now Is there going to increase permium ? as I had taken this insurance when I am mid of 30 years got insurance permium is less at that time when you compare with other Term insurance companines. 2. In these years I had taken couple of insurance policies in the country where I resides do I need to inform them as well?, why I asking this question is at the time of application they have asked to inform all policies which I have so I had mentioned it.
In my case with zerodha closed old account and opened new account as nri...
IPOs can apply but not eligible for trading...
Hi Sai anna, please can you explain about LIC Anna. NRI can continue or Not
Hi Anna,
I was investing in both lic policy and apy (when i am a student), now as a NRI, Can i continue them or not? Do i need to updated anything with bank or lic?
సార్ సర్ నేను మ్యూచువల్ ఫండ్స్లో ఇన్వెస్ట్ చేద్దామనుకుంటున్నాను కాకపోతే ఎన్నారై ని నా జాబ్ ఎప్పుడు వరకు ఉంటాదో ఒక గ్యారెంటీ లేదు కనుక ఇండియా లో ఒక సంవత్సరం ఉంటాను లేదా రెండు సంవత్సరాలు ఉంటాను దాని తర్వాత మళ్లీ రిటర్న్ ఎక్కడ గల్ఫ్ దేశాలకు వెళ్తూ ఉంటాను వెళ్తుంటాను నాకు ఇండియాలో అగ్రికల్చర్ ల్యాండ్స్ ఉన్నాయి అలాగే నాకు sbi అకౌంట్ లో ఇండియన్ ఎకౌంటు ఎన్ ఆర్ ఈ అకౌంట్స్ ప్రైవేట్ బ్యాంక్స్ లో ఉన్నాయి ఇప్పుడు నేను ఏ బ్యాంక్ అకౌంట్ తో మ్యూచువల్ ఫండ్స్ తో ఇన్వెస్ట్ చేస్తే మంచిది
Good information given.thanka
Long awaited video. Thank you so much 🙏🏻
Thank you very very very much MP team and Sai garu ❤❤❤, very good video, which is very useful, please do some NRI series videos
22:12 Hello, can you please advise how NRI can cancel the SSY because post office people are saying that we can continue. I'd greatly appreciate a response. The account was opened in 2017 and I just found out from your video. Thank you
Hello Andi
nenu NRI ni already agricultural land purchase chesanu. 2 years Aipoindi. Ippudu fema act nundi ela thappinchukovali?
Bro make a video on commercial property like giving big space to rent out Mnc companies n malls , it’s open space selling so many people
Please do it bro , thank you
Excellent topic in r/o real estate investment white money concept
My relative not listen my suggestion
In r/o investment involves huge crores
50% of Investment Made black money during Feb 20-21
( Not interested to quantify the value)
Luckily due to corona his investment yields 3టైమ్స్ of investment
Being approved dtcp and huge investment involves the buyer wants loan I mean buyer Paying white money only
Due to STCG - RELATIIVE NEEF TO PAY HUGE TAX
I.E ABLE TO CLAIM AS DEDUCTION FROM SALE PRICE TO THE EXTENT HE PURCHED BANK TRF.
I.E 50% OF INVEST PAID IN CASH HAS NO DEDUCTIU
27:00. You suggested to buy land using white but everyone knows that no land transaction happens purely in white. Does this mean that NRIs better should not invest in lands? Is there any way out? If anyone already invested in land, how to manage the selling process?
Thank you Sai Garu and Raise Garu.
Thanks for your efforts, I have NRE account hdfc but my zrodha linked to savings account of another bank citi, so how can I invest from NRE using zrodha and zrodha coin
This video is two years late for me. But thanks for the information.
What about mutual funds..?? How the transfer works..??
@Moneypurse I have been holding MF from 2016 and moved outside India in 2022 and stopped my SIP in 2023-July after I got to know about FEMA regulations. But I have not withdrawn the funds. It will be matured by 2026 July to redeem it. In your Video, You have told 30-04-2025 is the last date. Can you tell me can continue to hold them without paying monthly SIP? Thanks in Advance ❤😊
Jeevan Anand...the best product ever to invest.
Hi Sai garu. Thank you for the video. I am an NRI. please let me know if you are a CA and you will be able to help in filing NRI tax returns or please recommend a Good CA.
Solid informative for NRI
No news stuff…
All knows about these items discussed.
What will happen to NRE FDs once return back permanently after spending more than 15 years in abroad
What if I purchased sovereign gold bonds and in "later years" I became a NRI ? Am I still eligible to hold them ?
Can you recommend financial advice/ annual portfolio review companies thanks
Hi sir, please can list out all the mutual funds for nris in the comments section so that I can take a look of those
We are OCI holders residing in India for many years. Are we considered as NRIs? Please clarify. Can we have ordinary bank accounts?
I opened a PPF account when I was an Indian Citizen, and continue to invest in PPF even after becoming an NRI. Currently 10 years had lapsed since I opened my PPF account. However, I recently acquired Canadian Citizenship and surrendered my Indian Citizenship and obtained an OCI. My question is can I continue to invest in PPF until maturity it's?
Yes you can continue investing in the existing account upto date of maturity
Regarding term insurance:- if i have 10L Term insurance while i was in india and continuing payment after moving to USA, Can i take another term insurance for 1cr from another provider ? Or can i upgrade the existing 10L to higher amount.
USA lo ms chaduvutunnaru akkada undi investment plan/retirement plan tisukovacha ? India datails ivvala or usa datails ivvala ,Sai garu
Thanks for the detailed video.
Can you please suggest what are the best stock broking companies for NRIs. I found so many are charging high brokerage.
For ease of operating would suggest going with banks associated brokers like ICICI Direct, Axis Direct etc.
Superb presentation
Hi Team,
I'm working now and I going to abroad for my higher studies next year. I have equity investments. What should I do now?
As a student should I convert the demat account to NRI account or what can be best possible way so that I hold my stocks for next few years...
Actually I created my portfolio with long-term horizon of 7-10 year's
Thank you for sharing the knowledge….
Most welcome
Dear Anna, congrats for nri doudt are almost ckeared, please do good vedio on sm riets , riets for commercial real estate
Hello Sai, can an Indian born US citizen can avail Term insurance in India. Do you mind answering this.
Hello Moneypurse team,
This is what I was looking for long time from you. Thanks for bringing up this video.
Most welcome andi
Thank you very much this is very helpful for me
Last point you said in the video is absolutely right!!! - Everyone takes advantage of selling something to us though it is not lucrative. I have many experiences in last 9 years!! I plan to invest sometimes to get some attention from the banking people for banking related issues but they forget the transaction once it is done
Thanks for sharing
Sir I got NRO pins and non pins, 4-in one icici demat account. My question is which one to invest, I mean earrings in India and earnings from nz. Can I invest in nro pins merging both income from India and nz.
Sir not every nri is foreign citizen there's huge difference
Thanks MP.. Really useful video
Most Welcome andi
Waiting for this type of video from So long ❤
Bhayya First NRI ante Vere country Citizenship vochina valla or Work visa tho vere countries lo some years velle valla??
And what if we invest from india on one dmat account and bought shares and after that we moved to other country? How we transfer the shares at that point from Indian dmat account to NRI dmat accont?
OCI & NRI are considered on the same scale. Zerodha have good process read it
what about LIC? we took LIC while living in India and moved abroad.
Sometimes you are referring as Indian Citizen, bit confused. NBeing an NRI doesn't necessarily mean you are not an Indian citizen. Please clarify.