Finding the Right School : A Parent’s Guide

Picking the right school for your child is hard. However, our story can help you make better choices.

Initially, we looked at many schools. Some had IB programs. In contrast, others had IGCSE. Each school felt different. Moreover, they all had unique ways of teaching kids.

Why Rankings Don’t Tell Everything

School rankings are useful. Nevertheless, they don’t show the full picture. Instead, we learned to look deeper. Consequently, we visited schools. Furthermore, we talked to parents. Additionally, we asked teachers questions.

Beyond test scores, we watched how kids acted at each school. Were they happy? Alternatively, did they seem stressed? Ultimately, these things matter more than numbers.

Our Step-by-Step Selection Process

First, we made a list of schools. Then, we visited each one. During visits, we spent time in classrooms. Similarly, we ate lunch with students. Additionally, we met with teachers and principals.

Afterwards, we asked our child what they wanted. For instance, do you like art? Alternatively, do you enjoy sports? Clearly, these questions helped us narrow down our choices.

Warning Signs to Avoid

Unfortunately, some schools focus only on grades. As a result, kids there looked tired and worried. Meanwhile, other schools had too many rules. Consequently, students seemed afraid to speak up.

In addition, we noticed schools with very large classes. Obviously, teachers couldn’t give each child enough attention. Therefore, we crossed these schools off our list.

Positive Signs We Loved

In contrast, the best schools had happy teachers. Naturally, kids were laughing and engaged. Furthermore, class sizes were small. Best of all, students helped each other learn.

Eventually, we found schools that cared about the whole child. For example, they had art, music, and sports. Importantly, they taught kids to be kind. Besides this, they celebrated different cultures.

Making the Final Decision

After visiting schools, we made a pros and cons list. Subsequently, we involved our child in this process. Then, we slept on it for a few days.

Finally, we chose a school that felt right. Clearly, our child was excited to go there. Moreover, the teachers seemed caring. Additionally, other parents spoke highly of the school.

How We Know We Made the Right Choice

Today, our child loves school. Every day, they come home with stories. Similarly, they’ve made good friends. Furthermore, they’re learning and growing constantly.

Meanwhile, the school communicates well with us. Specifically, teachers know our child personally. In addition, they celebrate small wins. Most importantly, our child is happy.

Common Mistakes to Avoid

Unfortunately, many parents only look at test scores. Meanwhile, others choose schools based on what friends say. Alternatively, some pick the most expensive option thinking it’s the best.

Instead, don’t rush this decision. Rather, take time to visit schools. Additionally, talk to your child. Finally, consider their personality and learning style.

Different Types of Schools Available

Generally, international schools offer global curricula. In contrast, local schools might have smaller class sizes. Meanwhile, some schools focus on arts. Alternatively, others emphasize science and math.

Therefore, think about what your child needs. For instance, are they shy? If so, look for nurturing environments. On the other hand, are they very active? Then, find schools with good sports programs.

Important Questions to Ask

During visits, ask about class sizes. Also, inquire about homework policies. Furthermore, ask how they handle bullying. Additionally, check if they support struggling students.

Moreover, ask about teacher turnover. Unfortunately, high turnover is a red flag. In contrast, good teachers stay at schools they love.

Getting Professional Help

Unfortunately, school applications can be complex. Furthermore, some schools have long waiting lists. Additionally, others require entrance tests.

If you need help in Delhi NCR or Kolkata, we can assist you. Specifically, we know school admission processes well. Therefore, contact us at anikbiswas@gmail.com for guidance. We have deep connections with schools and colleges in India and have a formidable network of teachers and faculty who can help you find the best options for your ward. 

Final Advice for Parents

Ultimately, choosing a school is one of the biggest decisions you’ll make. Therefore, take your time. Additionally, trust your instincts. Most importantly, choose a place where your child will thrive.

If you need a review of colleges or schools, please visit the following sites:

https://www.schoolmykids.com

https://www.educationtoday.co

https://www.edustoke.com

5 Financial Steps Every Returning NRI Must Take

Coming back to India isn’t just about feelings. Instead, it’s about money too. When we moved back, we learned something important. Specifically, small steps can have big results.

Moving back home feels great. However, money planning can be hard. Therefore, we made this easy guide. As a result, it will help you avoid money mistakes.

Step 1: Close or Change Your Bank Accounts

First, you need to fix your bank accounts. Specifically, close or change your NRE/NRO accounts. Obviously, this step is very important.

Why This Matters

NRE accounts are for people living abroad. However, once you move back, these accounts become wrong. Additionally, keeping them open can cause problems.

What You Should Do

Initially, call your bank right away. Then, ask about changing your account type. Alternatively, you can close these accounts. Next, move money to regular savings accounts.

Furthermore, check if you have any fixed deposits. Similarly, these need to be changed too. Moreover, look at any monthly deposits you might have.

When to Act

Ideally, start this before you come back. Nevertheless, you have up to 6 months after moving back. Still, doing it early saves trouble.

Step 2: Tell Your Banks About Changes

Second, tell your banks about your move. Especially, this is key if you have money invested abroad. Consequently, banks need to update their records.

Money Invested Abroad

Your investing rules change when you return. Previously, you could invest freely as an NRI. Now, you face different rules as a resident.

What to Do

Immediately, call all your banks right away. Then, update where you live. Additionally, ask about investing limits. Unfortunately, some investments may need to be sold.

Furthermore, check your mutual funds. Specifically, many NRI funds aren’t available to residents. Therefore, you might need to switch funds.

Papers You Need

First, get proof of where you live. For example, this includes utility bills or rent papers. Moreover, you’ll need your new Indian address. Finally, banks need these to update records.

Step 3: Check Your Insurance

Third, look at all your insurance policies. Unfortunately, what worked abroad might not work here. Clearly, insurance needs change with location.

Health Insurance

Your health insurance from abroad might not cover you in India. Therefore, think about buying local health insurance. Meanwhile, compare different policies available.

Additionally, check if your job provides coverage. Often, many companies offer group health insurance. Usually, this can be cheaper than buying your own.

Life Insurance

Similarly, life insurance policies also need a look. Sometimes, some policies from abroad might not work here. Alternatively, they might have less coverage.

Instead, think about buying term insurance in India. Generally, it’s usually cheaper. Furthermore, it gives better coverage for local needs.

Home Insurance

If you’re buying a home in India, you’ll need insurance. Obviously, this includes home insurance and contents coverage. Additionally, think about natural disaster coverage.

Step 4: Plan Your Income and Taxes

Fourth, plan your income and taxes in India. Yes, it gets tricky. Obviously, tax planning becomes hard when you return.

Tax Rules

Your tax rules change when you become a resident. Previously, you might have avoided Indian taxes. Now, you’ll pay taxes on all income worldwide.

Tax Planning Tips

Initially, start tax planning before you return. Specifically, talk to a tax expert who knows NRI returns. Moreover, think about timing your return well.

Furthermore, learn about TDS (Tax Deducted at Source). Clearly, this affects your monthly income. Therefore, plan your budget accordingly.

Investment Taxes

Your investment gains will be taxed differently. Unfortunately, capital gains tax rules change for residents. Consequently, look at your investment portfolio.

Additionally, think about tax-saving investments. For instance, options like ELSS and PPF can reduce your tax burden. Previously, these weren’t available as an NRI.

Get Help

Consider hiring a chartered accountant. Obviously, they can help with complex tax situations. Furthermore, they’ll make sure you follow all rules.

Step 5: Start a Rainy Day Fund in INR

Finally, start a rainy day fund in INR. Obviously, this emergency fund is key for money security. Specifically, it helps you handle unexpected costs.

Why INR Emergency Fund Matters

Your costs will be in Indian rupees. Therefore, your emergency fund should also be in INR. Clearly, this avoids currency conversion issues.

Moreover, having local currency ready gives peace of mind. Unfortunately, emergency situations don’t wait for currency conversions.

How Much to Save

Initially, aim for 6-12 months of expenses. However, start with a smaller amount if needed. Gradually, build it up over time.

Additionally, think about your new lifestyle costs. Often, living expenses in India might be different. Therefore, plan accordingly.

Where to Keep Emergency Funds

Keep this money in liquid investments. Generally, savings accounts work well. Alternatively, think about liquid mutual funds.

Furthermore, don’t invest emergency funds in risky assets. Obviously, the goal is security, not growth. Consequently, choose safe options.

Common Mistakes to Avoid

Unfortunately, many returning NRIs make costly mistakes. Here are the most common ones to avoid:

Waiting Too Long to Change Bank Accounts

Often, many people wait too long to close NRE accounts. Consequently, this can lead to penalties. Moreover, it makes tax filing harder.

Not Planning for Taxes

Sometimes, some people ignore tax planning. As a result, this leads to higher tax bills. Therefore, plan ahead.

Keeping All Money in Foreign Currency

Unfortunately, keeping all savings abroad creates problems. Obviously, daily expenses become hard. Additionally, you face constant currency risk.

Not Updating Insurance

Frequently, many forget to update insurance policies. Consequently, this leaves them without proper coverage. Therefore, check all policies.

Getting Help

Obviously, managing money as a returning NRI is hard. Therefore, think about getting help. Specifically, money experts can guide you through the process.

Types of Help You Need

Consider hiring a chartered accountant for taxes. Additionally, a money planner can help with investments. Furthermore, an insurance expert can check policies.

When to Get Help

Initially, start talking to experts before you return. Consequently, this gives you time to plan well. Moreover, it helps avoid costly mistakes.

Final Thoughts

Clearly, returning to India is an exciting journey. However, money planning is key for success. Therefore, take these steps seriously.

Remember, it’s not about being rich. Instead, it’s about being ready. Obviously, good planning ensures a smooth move.

Most importantly, start early. Generally, money planning takes time. Additionally, rushing leads to mistakes.

Finally, stay informed about changing rules. Unfortunately, Indian money rules change often. Therefore, keep yourself updated.

Quick Action Checklist

Before you return to India:

  • Contact banks about account conversion
  • Review all insurance policies
  • Consult a tax advisor
  • Plan your emergency fund
  • Gather required documents

After returning:

  • Complete bank account conversions
  • Update insurance policies
  • File tax returns properly
  • Build your INR emergency fund
  • Stay updated on regulations

Need personalized help with your financial transition? Contact us for expert guidance on returning NRI finances.

Top Cities in India to Consider When Moving Back

Explore India’s best cities for work and life. Each city offers unique perks. Therefore, you can find the perfect spot for your job and lifestyle.

1. Bangalore – The Tech Spot

Bangalore is India’s tech hub. Also, it has nice weather. For instance, its startup scene is exciting and draws young workers. Moreover, the city’s fun nightlife and parks make it great. As a result, it blends work and play perfectly.

2. Hyderabad – The Family City

Hyderabad is budget-friendly and ideal for families. Additionally, its IT and business jobs are growing fast. For example, the city offers tasty food and modern spots. Consequently, it’s a great choice for a balanced life.

3. Mumbai – The Busy City

Mumbai is full of energy. Specifically, it’s India’s money hub with many jobs. However, living there is costly. Nevertheless, its lively culture and famous spots, like Marine Drive, make it exciting. Thus, it suits ambitious workers.

4. Pune – The Quiet City

Pune is calm and smart. Furthermore, its IT and school sectors are growing. In addition, people enjoy its nice weather. Therefore, it’s perfect for those who like culture and peace.

5. Delhi NCR – The Power City

Delhi NCR is big for business and politics. For instance, it offers great job options. Also, the area is lively with mixed cultures. As a result, it’s ideal for workers seeking big opportunities.

6. Chennai & Kochi – Southern Stars

Chennai and Kochi are growing work hubs. Specifically, Chennai has strong industries, while Kochi offers beach charm. Moreover, both are affordable and friendly. Hence, they suit workers looking for ease and growth.

Why More NRIs Are Returning to India in 2025?

I was sipping coffee in a cafe, when it hit me whether I was really happy being thousands of miles away from my roots? Turns out, I’m not the only one asking that question. Over the last couple of years, more NRIs have chosen to come back home, not out of compulsion, but by choice. From tighter visa rules to aging parents and a growing desire to raise children in familiar cultural settings, the India Wapsi wave is real.

Let’s navigate some of the reasons for the favourable immigration of Indians back to India: 

Family and Cultural Reasons:

Family Connections:

A significant number of NRIs, particularly those with children, are driven by the desire to be closer to family and experience the strong family-oriented culture of India.

Cultural Reconnection:

Many NRIs, having grown up or spent significant time abroad, feel a pull to reconnect with their Indian heritage and participate more fully in cultural and religious practices.

Raising Children:

Returning to India can offer children a richer exposure to Indian customs, traditions, and language, which may be limited in a foreign environment.

Caring for Parents:

Some NRIs return to India to be closer to and care for their aging parents.

Career and Economic Factors:

Career Opportunities:

India’s growing economy, particularly in sectors like IT, has created numerous job opportunities for skilled professionals, attracting NRIs back for career advancement.

Entrepreneurship:

India’s booming market also presents opportunities for NRIs to start their own businesses and capitalize on the country’s economic growth.

Retirement:

The lower cost of living in India makes it an attractive option for retirement, allowing NRIs to enjoy a comfortable lifestyle on their retirement savings.

Other Factors:

Lifestyle Preferences:

Some NRIs prefer the more vibrant and fast-paced lifestyle of India compared to their experiences abroad.

Sense of Belonging:

For many, returning to India provides a sense of belonging and a connection to their roots that they may not have felt while living abroad.

Geopolitical Factors:

Changes in immigration policies or global economic uncertainties can also influence NRIs to return to India. 

Ghar wapsi: Indian startups returning home in droves

After many years of registering their main offices in other countries, more and more Indian startups are now moving their headquarters back to India. Companies like Razorpay, Udaan, Pine Labs, and Meesho are changing their earlier decision, and Zepto has already finished the move.

This new trend is called “reverse flipping.” It is becoming popular because it’s now easier to follow Indian rules, India’s economy is growing fast, and companies see better chances to launch their shares in the stock market (IPO) in India.

Moving a company back to India is not simple. Startups need to get many legal and government approvals, and they may have to pay a lot in taxes. Still, India’s growing stock market is giving them a good reason to return.

Alok Bathija, a partner at Accel, said that in India, a software company earning $50–60 million a year can now go public (sell shares through an IPO). But in the US, a company would need to earn about $500 million to do the same. Since Indian markets now give better value and are easier to access, more startups are choosing to come back.

Besides aiming to go public (IPO), moving their headquarters back to India helps startups—especially fintech companies—follow local rules more easily. Most of these companies earn their money in India and work within the Indian financial system. So, it makes sense for them to follow Indian laws.

Amit Nawka, a partner at PwC, said fintech companies are an important part of India’s financial system. As they grow and have a bigger role in the economy, it’s better for them to be based in India.

Another big reason for startups moving back to India is the growth of local funding options. In the past, startups set up their headquarters abroad to get easier access to global investors, especially those in the US. But now, that’s not necessary.

Siddarth Pai, co-chair of the Indian Venture and Alternate Capital Association (IVCA), said that Indian family offices and local venture capital funds are now stepping in to support startups. He added that it’s not just the startups planning IPOs—many others are also thinking about shifting back to India.


Planning to setup a virtual office in India?

Have a business idea that you would like to incubate?

Or, do you wan to create a subsidiary of a foreign company in India?

Write to us at anikbiswas@gmail.com.

WhatsApp us for an appointment at 9711361508 and we would be happy to take you through a series of advisory and consultative sessions.

Why would Indians dwelling abroad want to return to India?

Let’s look at some of the reasons for Indians living abroad to return to India:

People want to return to India for the following reasons:

a. They want to be closer to their friends and family back home. With aging and ailing parents, in-laws, family friends, and school & college friends wanting to be with you – it is difficult to stay away from the noise and buzz happening back home in India.

b. More opportunities to startup. India is at the forefront of tech startups, and many experienced IT professionals who migrated to the valley 20 years ago are on the verge of retirement and would like to startup in India.

c. India is slowly but steadily getting there – in another 50 years, we would become a developed nation. They key is in developing tier 2–3–4 cities.

d. The government is encouraging Indians to return to India with plans and facilities for NRIs to invest and reap benefits out of their investments.

e. India is at the forefront of a technological revolution. Indian IT & semiconductor manufacturing is developing at a fastidious rate and as per the projections, India is going to be the third largest economy in another 2-3 years behind China.

f. We are slowly inching towards becoming a self-sufficient nation. We are adopting self-reliance in our homegrown industries, such as the development of handicrafts, foods, agriculture and other allied industries. Atma Nirbhar Bharat & Make in India have been huge hits with the population and slowly we are reaching that zone where our exports in pharmaceuticals, technology, agriculture, infrastructure, steel and iron-ore will exceed our imports.

If you’re looking for end to end advisory and services, please feel free to reach out to anikbiswas@gmail.com for a consultation.

You could call WhatsApp 9711361508 to schedule an introductory meeting where we guide you through our range of services available for NRIs and students studying abroad who wish to return to India.