NRI Desk methodology

NRI Desk uses mid-market exchange rates as a benchmark and separates that benchmark from real-world costs such as provider spreads, fees, taxes and eligibility rules.

After-spread estimates are practical planning references, not guaranteed quotes. Transfer comparisons consider fee, exchange-rate margin, delivery timing and estimated recipient amount.

EMI calculators use the standard reducing-balance formula. FD calculators use quarterly compounding assumptions and include NRE/NRO context for Indian NRIs. Gold prices are indicative references and may differ from local jeweller quotes.

NRI Desk is for informational purposes only and does not provide financial, tax or investment advice.