Hello,
Koni mala ya baddal mahiti sangu shakel ka?
Ki US madhun samja 2-3 varshanantar Bhartat jatana paise kaydeshir ritya , konkontya margane neta yetat...
For example Kahi jan Gold gheun jatat...
etc etc..
Kahi limits asatat ka?
Kahi taxes kinva duty bharavi lagate ka?
Ki thodya thodya diwasani tethil bank account madhe paise jama karane ha uttam upay ahe?
Swati
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asey kiti paishe gheun jat ahes ? ani kiti gold ?? me tar mhanin, jase jamel tase ikdun tikde cheques deposit karat raha. kahi check aai-vadilanchya naavani pathav, kahi bhau-bahin yanchya naava ni. baki tikde jaun deposit karaiche. ani khup amount nasel tar ikde account band kartana banke kadun DD karun ghe.
baki limits vagaire cha mala kahi kalpana nahi :-( imandarit vicharaila gele tar tax padnarch :-)
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NRI aaccount madhe principle amount non-taxable aste. fakt tyacvar jama honaare interest taxable asate.
ase asNyache karaN mhanaje Foreign Currency jevha apaN kamavato tevhaa tyaa deshaat apan Income tax already bharlela asato tyavar parat aplya deshaat IT bharava laagat naahi.
samrya, tu sangitlela marg Business visa valyansathi aahe je officially ikade paise kamavu shakat naahit.
paN je H1 varati aahet tyaanni NRI account madhunach paise transfer karaNe jaast kayadeshir
aaNi fayadeshir suddha :o) aahe
NRI Services halli bharataatil sagalya mothya banks provide karataat taripaN Nationalised bank madhe account open karaNe jaast secured aahe.
jya bankechi branch tumachya bhartatil gharajavaL aahe tya banket account open karave. tithe aplya
aai-baba kinva bahin bhau yanna Power of Attorney detaa yete mhanaje te aplya khatyatun paise kadhu shaktaat.
adhik mahitisathi http://www.statebankofindia.com yethe sampark sadhava :o)
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Swati
looking for madhye ajun ek bb aahe ya vishayavar.. tithe tula kahi milu shakel
http://69.94.96.131/hitguj/messages/35/840.html?964706895
Rather I have preferred Citibank rupee checking account than State bank of India. They dont charge anything for money transfer from here to the india.. Just sent your check to NY branch and in 2/3 days money is available for you in india...
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Mitraho,
Mahiti baddal abhari ahe...
Avdhya lavkar utrrare miltil ase vatale navhate...
Mi atta atta ch yethe US madhe ale ahe...
Ani mahiti jama karte ahe...
Yethe hitguj madhe mala khup changali mahiti milali ..
Ani mala aka mothya family cha part zalya sarkhe vatatay..
Thanks a lot...
Swati
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attach ali ahes tar jaichi itkya luvkar kasli taiyari ??? :o)
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Hello,
I am here on H1..
Software Engg.
(Web Development)
Busy in work...at present...
Write you later..
Swati
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Swati : I do not know what your plans are. But, I feel that we sould not send money to India ( ofcourse unless there are some commitments ). B'cos, if you decide to settle here, you will need that money here. It may sound like selfish, but it is true. Keeping your money with you all the time, will give you a lot of confidence and stability rather than sending money to India and investing it there. To keep the flexibility, open an NRI account and deposit some meagre amount so that a channel of sending money to India is open. And if you decide to go back, then only send money to India.
I am assuming that you have no responsibility of supporting your relatives/family there.
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Hemant if u r not investing here in stocks then rather than keeping all ur wealth in banks over here it is always preferrable to keep it over in india in some kind of NRI account.
Even, the better option is let them be in dollars and invest them in Fixed deposits of type FDCR which have interest rates in dollars. Advatage here is that everything is tax free.
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Asami : I want to highlight the factor of flexibility. The appriciation ( whether in USA or in INDIA ) is not that important. Appriciation and Flexibility can be achieved in USA if you put your money in CDs or other instruments in US Financial Institutions. Most of the H1B1 holders will eventually try to settle here and under these assumption, better keep money here rather than sending it to India. ( what is the use of money which we can not access easily, whatever be the apprication ?).
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If you open Foreign currency non-resident (FCNR) fixed deposit accounts in India then money is repatriable. This way you get tax free returns and and also have the option to recall the money back. Also you get better interest in India which is tax free as far as you maintain NRI status. Currently SBI offers 6.5% and ICICI offers 7% returns for one year FDs. On top of it you would save the tax payable to US government.
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mitraho, mala ashya banket NRE account open karayache aahe jyaat net-banking available aahe. tyadrushtine mi HDFC Bank ni CITIBANK compare karat aahe. mala khalil mahiti milali:
CITIBANK:
NRE Fixed deposit interest rates: (Effective: Sep 10 2001)
6 months - 1 Year: 6.75% p.a.
1 Year 1 day - 2 Year: 7.50% p.a.
2 Year 1 day - 5 Year: 8.00% p.a.
NRE Savings Interest Rates: 4.00%p.a.
Opening & Monthly Minimum Balance: $1000 ~= 48000Rs
HDFC BANK: (Effective: Aug 15 2001)
NRE Fixed deposit interest rates:
6 months - 2 Year: 8.25% p.a.
2 Year 1 day - 5 Year: 8.75% p.a.
NRE Savings Interest Rates: 4.00%p.a.
Minimum Quarterly Balance: 10000Rs
tar ase pahata HDFC Bank changale rates detey ase dist aahe. CITIBANK cha fakt ekach mala mahit aslela advantage mhanaje FREE DRAFT. HDFC BANK tysathi khalil pramane paise lavate:
Up to Rs.25, 000 Rs.50 (Rs.50 through Phone Banking)
(Rs. 30 through NetBanking)
Above Rs.25, 000 to Rs.1 lakh Rs.2.50 per Rs.1000 or a part thereof
(Minimum Rs.50)
Above Rs.1 Lakh Rs.2 per Rs.1000 or part thereof
(Minimum Rs.250 Maximum Rs.5000)
he fakt Indiat konala draft dyaycha asel tarach, otherwise Daily 50000Rs Transfer (From US$ to INR) into your account is FREE.
tasech maze HDFC Bankeche alrady account asalyane tyanchya services changalya astat he mala mahiti aahe.
tyamule mi almost HDFC t account open karanyache fix kele aahe, tumacha hyababatit kahi anubhav aahe ka? kinva anakhi kahi advantages / disadvantages aahet ka?
SBI che netbanking kahi branches puratech maryadit aahe.
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Kiran, at this moment, HDFC is the best option. Citibank has a better network and bigger infrastructure, but for personal banking HDFC is the better choice.
By the way ICICI research kelis kay?
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Kiran just for your info, try this link: http://www.apnaguide.com/category/60586
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Maj (Maj)
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| | Sunday, September 23, 2001 - 2:31 pm: | 
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kiran ICICI is my choice..
no commission..excellent service..
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Nandya, dhanyavaad.
naahi mi ICICI research kele nahi.
Maj, ICICI che varil pramane analysis deshil ka? mala milale tar baghato. icici.com asel na site tyanchi?
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mi check kele ICICI bankeche. tyanchya Interest Rates Page var tyanni Rates "As advised by Treasury from time to time " as sangun Tangavalay.
tyanchya Rate Calculators madhye tari tyanni 8.5 -9.0 asle bhannat rates dakhavale aahet :o). Maj tu clarify karashil ka kiti rates aahet te?
aani netbanking vagaire ahe na? aselach mhana
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Kiran
ajun ek vicharat ghenyajogi gosht hi ki tu ithe jevha paise bharashil tevha kon kiti charge karata?? Citi bank deposits the money for free in your NRE accoount held in India.
tasech checkbook kinva statements Citi nri free pathavata.. ICICI ne sangitala hota ki shipping charges lagatil.
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ohh.. HDFC bank che mi sangitlya pramane divsala 50000Rs Free pathavata yetat which is more than sufficiant I guess. (Evadhe paise aahet konakade :o)) Statements pan FREE aahet HDFC che quarterly.
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Kiran
mi deposit chi gosht karatoy. How HDFC accepts money?? tu tuzya accountmadhye paise kase bharshil??
CitiNRi madhye you can send a check in dollar amount of your local bank to CITI Nri branch in NY. They make a free trasnfer within 2/3 days to your account held at mumbai. So money in indian Rs. is available to you within 5/6 days.
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Svs, tujhey barobar ahey. Citi is the only bank which makes deposits from US into the NRE a/c in India FREE of any transfer charges, based on the condition that you keep a balance of atleast $1K in the savings/checkings a/c.
I dont think there is any other bank which allows a free transfer - conditionally or unconditionally.
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Kiran, tula jar HDFC madhye no-charge transfer karaychey asel tar the maximum you can transfer in one shot is approxly $1K. For example if you want to transfer $10K without paying transfer fees, you would have to split it over 10 working days @ $1K per day, which can be done but is cumbersome.
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Nandya, tu mhantoys te barobar aahe pan tyanchi FEE agadich kami aahe:
Funds Transfer Charges
Remittances up to Rs.50,000/- per day. Free!
Above Rs.50,000/- per day Rs.0.40 per Rs.1,000/- or part thereof of the entire amount.
mhanaje jari $10k (Rs.500,000) pathavayache zale tari sarsakat 500 x 0.40 = 200Rs. ~= 4$ Transfer Fee zaali. mhanaje 10000$ transfer karanyasathi 4$ hi agadich kshullak FEE aahe. (If you calculate the lost interest over the minimum $1000 balance on the CITIBANK account / month, this amount is less than 1 month's lost interest)
Svs, HDFC Bank che 'Chase Manhatten Bank' va 'Bank Of America' shi Affiliation aahe.
arthaat Citibank sarkhe hya bankanchya kuthlyahi branch madhye jaun deposit karta yet nahi pan tyanni SWIFT Codes dile aahet. pan mala vatate ki he wire transfer asave aani he additional charges asatil. konala hyababat kahi mahiti?
http://www.hdfcbank.com/NRI/Remittances_India.htm
Other way is to mail a $ check directly to Branch in India, of course this will take a longer time.
Svs, tula milanarya CITIBANK chya services changalya aahet ka? Can you manage all your money on the net? Like opening Fixed deposits, interest enquiries, online statements, etc.
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are pudhe kay zale :o)
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Kiran
tu mention kelelya sarv services mi net varun karu shakato.. ajun paryant tari service bari ahe.. tashi kahi far vaparat nahi ;o) baki indiamadhye kuthehi free of cost draft pathavata yeto ani to agadi 3/4 divasat pochato..
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svs mi citibank chya sitevar pahile ki tyanche tharavik NRI Service centre ch aahet US madhye 4-5 thikani. amachya gharajaval CITIBANK aahe pan tithe NRI Service nahiye :o( mag tu bhartaat paise kase pathavatos? postane NRI centre la kaa?
ayala bor zale mala sagala evaluation karun. sagalya banka ithun tithun sarkhyach :o) dusari changali disate mhanun pahili badalanyaat kahi arth nasto, kaay bematyaa ;o))))
aadhich maze SBI madhye account ahe pan tyanchi service evadhi bhikar ahe ki te asun nasalyasarkhech aahe. mhanun nidan aata je open karen te changle asave ase vatate
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<<ayala bor zale mala sagala evaluation karun. sagalya banka ithun tithun sarkhyach :o) dusari changali disate mhanun pahili badalanyaat kahi arth nasto, kaay bematyaa ;o)))) >>
Kiran, LOL! Agadi barobar rey! Dusryachi nokri, dusryachi bayko ani dusryachi bank nehmich changli distey.....LOL....arey ya warshi eka bank barobar deal kar, pudhlyawarshi dusri bank ghey...bank-et transfer tar karaychey ahey na, badal havya titkya...banks rey! :-)
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icici pahilet ka?
mala vatata changli bank ahe. good int rates, ani more flexibility.
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Kiran
NY , DC, chicago ani itar centers ahet CitiNRI chi.. mi tithe postane check pathavato which gets cleared immediately. like check sadhya postane pathavala tar pathavalya divasapasun 6/7 days madhye indian rs. madhye paise available asatat..
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Asawari
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| | Tuesday, October 01, 2002 - 2:31 pm: |
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ithun us madhun maze inlaws ata part bhartaat jaat aahet. Teva tyanchyabarobra amhee camcorder pathvat aahot. To attach vikat ghetla aahe. Thoda vaprun pathvat aahot. Tar tyana bhartaat luggage checking chya ithe advteel ka? ani advle ani recipt dakhavlee tar sodteel ka. Ithun kitee kimteeche saman bhartaat nyayala allowed aste. Ani cutoms duty bharayala lagel ka hya camcorder var? Konala kahee exp aslyaas please sanga.
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Yogibear
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| | Tuesday, October 01, 2002 - 2:34 pm: |
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per person Rs 12000/- allowance allowed aahe tevha tyaa hishobaane convert karun baghaa. On the other hand used dakhavaycha asel ter receipt barobaar thevaavi pan dakhavu naye ani tithe officer laa paTvaychaa prayatnaa karaavaa....
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Weldoda
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| | Tuesday, October 01, 2002 - 2:44 pm: |
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asawari..me swataha navacora camcorder gheun mumbai airport war utarlo hoto.barechse electronics utility items hi barobar hote..kasachi hi receipt barobar navhti.
airport war ek niLa daglyawalyane ni mala $25 chya mobadlyaat sarva samananishi greenchannel madhun palyaD neun sodle.
paN adhik mahiti sathi ikde paha
Bombay customs
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Ocean
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| | Tuesday, October 01, 2002 - 5:09 pm: |
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recently mazhya ek mitrane aai barobar laptop (juna) ani in-laws barobar microwave (navin) pathavla hota, nothing heard about any problems and as yogi said 12000 per person is allowed.
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Yogibear
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| | Tuesday, October 01, 2002 - 5:13 pm: |
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12000 rupees aahet teh...not $ 
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Asawari
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| | Tuesday, October 01, 2002 - 5:43 pm: |
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Are thanks re saravana lagech mahitee dilyabaddal. Tee customs chee link pan vachlee. Doghana milun 24000 neta yetaat tyaat camcorder chee value baste. manje kahee traas nako vayala.
Tyana ata actually kaay anubhav yeto to mee ithe nanatar post kareenach.
Thanks!!
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