Everywhere We Belong

By Belong

Welcome to 'Everywhere We Belong', a podcast from Belong, a finance technology company from Bangalore, India. We cover topics relevant to NRIs and global Indians everywhere.

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FAQs about Everywhere We Belong:

How many episodes does Everywhere We Belong have?

The podcast currently has 32 episodes available.

Everywhere We Belong episodes:

April 20, 2026From ₹1.5 Crore Debt to ₹12 Crore Portfolio | NRI Investment Strategy
"I took a leap too high and had no protection. That property taught me everything about risk."
Meet Dr. Atul Sawant, a radiologist who had ₹1.5 crore in debt while investing in India. He now makes over 6% yields in Dubai. Here's how he did it.
In this episode, he breaks down:
How he recovered from ₹1.5 crore debt in India
The 70-20-10 portfolio allocation that creates millionaires
The escrow account protection that makes Dubai investing safer
Currency & country diversification that saved his portfolio
The one mistake NRIs keep making with Indian property
Chapters
00:00 - Intro
01:48 - Personal Journey
02:15 - Move to Abu Dabhi
03:28 - Investing Journey
05:11 - Portfolio Allocation
07:02 - Real Estate Investment Journey
10:34 - India vs Dubai Real Estate
14:15 - Dubai Real Estate amid Current Geopolitical Issues
15:35 - How Dubai Protects Investor Capital
16:40 - Myth vs Fact: Dubai EMIs
18:15 - Impact of another Financial Crisis on Dubai Real Estate
20:20 - Advice for NRIs Planning to Invest in India

About Belong
Belong is a fintech platform built for NRIs who want to invest in India with clarity and confidence. From USD Fixed Deposits to GIFT City Mutual Funds, Belong connects global income with Indian opportunities without the NRO, NRE or PIS maze.
Explore Belong:
Website: https://getbelong.com
App: https://app.getbelong.com/LywZ/YT
Instagram: https://www.instagram.com/getbelong
LinkedIn: https://www.linkedin.com/company/getbelong
X: https://x.com/GetBelong
Join our WhatsApp community: https://community.getbelong.com/
...more
23min
April 15, 2026 5 NRI Mistakes Ruining Your Indian Savings (FIX NOW)
Are you unknowingly losing money than you should, just because nobody told you the rules?

In this video, we break down the 5 most common financial traps that quietly drain NRI wealth every single year. No scams, no bad investments — just rules that work differently than most people think.

If you're an NRI with money parked in India, this one is worth watching till the end.

Chapters:
0:00 - ₹9 Lakh Lost Without Doing Anything Wrong
0:51 - Trap 1
2:12 - Trap 2
3:31 - Trap 3
5:06 - Trap 4
7:01 - Trap 5
9:03 - Do These 3 Things This Week

About Belong
Belong is a fintech platform built for NRIs who want to invest in India with clarity and confidence. From USD Fixed Deposits to GIFT City Mutual Funds, Belong connects global income with Indian opportunities without the NRO, NRE or PIS maze.

Explore Belong:
Website: https://getbelong.com
App: https://app.getbelong.com/LywZ/YT
Instagram: https://www.instagram.com/getbelong
LinkedIn: https://www.linkedin.com/company/getbelong
X: https://x.com/GetBelong
Join our WhatsApp community: https://community.getbelong.com/
...more
10min
April 09, 2026 Lived Abroad for 19 Years… Now Financially Free in India (The Reality)
Is the "Return to India" dream actually sustainable, or is it just a romanticized escape?

In this episode of NRI Wealth Stories, Aditi sits down with Bhasker Jaiswal, who spent nearly two decades building a life and career abroad before making the ultimate move back home.

His story is a blueprint for anyone caught between two worlds, trying to build lasting wealth while staying true to their roots.
Chapters
0:00 - 1% More Capital vs 1% More Return
1:23 - Bhasker Jaiswal Career Journey
2:15 - Why He Moved Abroad?
3:46 - ₹50 Lakh Gone in 2 Months in India
5:10 - Financial Challenges After Coming Back to India
8:46 - How Much Money Do You Need Before Coming Back to India
9:03 - Inside His $1.5M Portfolio
11:11- How Currency Ate His Returns
13:29 - Why He Never Picks Stocks
14:08 - Hardik Pandya's Financial Lesson
15:04 - The Biggest NRI Misconception
17:11 - Why Nobody Ever Has "Enough"
18:00 - What Does Rich Actually Mean?

About Belong
Belong is a fintech platform built for NRIs who want to invest in India with clarity and confidence. From USD Fixed Deposits to GIFT City Mutual Funds, Belong connects global income with Indian opportunities without the NRO, NRE or PIS maze.

Explore Belong:
Website: https://getbelong.com
App: https://app.getbelong.com/LywZ/YT
Instagram: https://www.instagram.com/getbelong
LinkedIn: https://www.linkedin.com/company/getbelong
X: https://x.com/GetBelong
Join our WhatsApp community: https://community.getbelong.com/
...more
20min
March 26, 2026 The End of Self-Claimed Foreign Tax Credit? The New CA Verification Rule
Is your Foreign Tax Credit (FTC) claim about to get a lot more complicated?

With the introduction of Draft Income-tax Rules, 2026 and the Income-tax Act, 2025, the Indian Tax Department is moving away from the "self-claim" era of Form 67. If you are an NRI returning to India, an RNOR, or a resident with global income (RSUs, Dividends, Pensions), Draft Rule 76 introduces a critical compliance trigger that you need to know.

In this episode of the Offshore Advantage, Sagar Soman breaks down the One Lakh threshold, the move to the new Form 44, and why a mandatory CA verification might be in your near future.

Chapters
00:00 Intro
00:40 Before We Begin
01:24 DTAA vs FTC
02:30 The New Architecture
03:32 Form 44
04:04 The CA Verification Trigger
04:52 FTC Mechanics
05:30 Disputed Foreign Tax
06:29 FTC Roadmap
06:57 FTC Timelines
07:46 Currency Conversion
08:21 Documents Required Under Draft Rule 76
09:11 The Three Buckets Framework
09:45 FTC File Checklist
10:48 Takeaway

About Belong
Belong is a fintech platform built for NRIs who want to invest in India with clarity and confidence. From USD Fixed Deposits to GIFT City Mutual Funds, Belong connects global income with Indian opportunities without the NRO, NRE or PIS maze.

Explore Belong:
Website: https://getbelong.com
App: https://app.getbelong.com/LywZ/YT
Instagram: https://www.instagram.com/getbelong
LinkedIn: https://www.linkedin.com/company/getbelong
X: https://x.com/GetBelong
Join our WhatsApp community: https://community.getbelong.com/
...more
12min
March 24, 2026 NRI Mutual Fund Guide 2026: How to Invest Using GIFT City
Most NRIs jump into the Indian market without a strategy, only to realize later that currency depreciation and high expense ratios have eaten their gains. We’re changing that today. Whether you are a beginner or looking to optimize your existing portfolio.

In this episode of The Home Advantage, Aswin breaks down the complete NRI Mutual Fund blueprint for 2026—from picking the right funds to the "surprise" solution in GIFT City.

Chapters
0:00 Intro
0:42 Mutual Fund Categories
1:25 Investment Goals
2:05 Risk Capacity & Tolerance
4:27 Age vs Asset Allocation
5:16 How to Choose the Right Funds
8:50 Two Ways to Invest in Mutual Funds
10:05 Importance of Emergency Funds
10:50 Takeaways

About Belong
Belong is a fintech platform built for NRIs who want to invest in India with clarity and confidence. From USD Fixed Deposits to GIFT City Mutual Funds, Belong connects global income with Indian opportunities without the NRO, NRE or PIS maze.

Explore Belong:
Website: https://getbelong.com
App: https://app.getbelong.com/LywZ/YT
Instagram: https://www.instagram.com/getbelong
LinkedIn: https://www.linkedin.com/company/getbelong
X: https://x.com/GetBelong
Join our WhatsApp community: https://chat.whatsapp.com/DNUCY6cgCfKIYaNivvbEOA
...more
13min
March 23, 2026 How to Move Back to India Tax-Free: The RNOR & FCNR Strategy
Are you returning to India for a project, to care for parents, or just to test the waters? If you’re keeping your NRE accounts active for tax-free interest, you might be unknowingly breaking FEMA laws.

In this episode of The Offshore Advantage, Sagar Soman breaks down the critical difference between being a Non-Resident for Income Tax vs. FEMA. Many NRIs assume they have a 182-day grace period, but under FEMA, your status changes the moment you land with the intent to stay.

Watch to know why "nobody is watching" is a dangerous gamble and get a step-by-step roadmap to transitioning your finances legally while maximising tax windows like RNOR.

Chapters
00:00 Intro
00:49 The Why Behind the Delay
01:58 FEMA vs Income Tax
03:15 What Banks Actually Do
04:01 The Right Order of Operations
04:53 The Smart Bridge
06:02 Don't Forget Your Investments
06:35 Use Your India Time Wisely
07:49 The Common Confusions
09:35 The Loophole
11:05 The Big Misconception
11:50 DTAA: How to Handle It
12:28 The Takeaway

About Belong
Belong is a fintech platform built for NRIs who want to invest in India with clarity and confidence. From USD Fixed Deposits to GIFT City Mutual Funds, Belong connects global income with Indian opportunities without the NRO, NRE or PIS maze.

Explore Belong:
Website: https://getbelong.com
App: https://app.getbelong.com/LywZ/YT
Instagram: https://www.instagram.com/getbelong
LinkedIn: https://www.linkedin.com/company/getbelong
X: https://x.com/GetBelong
Join our WhatsApp community: https://community.getbelong.com/
...more
14min
March 16, 2026 Are You an NRI Looking for a Pension Scheme in India? | Complete Guide for NPS & APY
Think pensions are only for people living in India? Think again.

Most of us have heard the "pension lecture" from elders back home. But while the advice is old, the tools have changed. Today, we dive deep into the National Pension System (NPS) and the Atal Pension Yojana (APY) to see which one actually makes sense for your portfolio.

In this episode of the Home Advantage, Aswin breaks down NPS and APY. What they are, whether NRIs can actually invest, and whether they're worth it for your retirement strategy.

Chapters
00:00 - Intro
01:05 - The National Pension Scheme
04:02 - Atal Pension Yojana
04:25 - Can NRIs Invest in NPS or APY?
06:25 - Closing Statement

About Belong
Belong is a fintech platform built for NRIs who want to invest in India with clarity and confidence. From USD Fixed Deposits to GIFT City Mutual Funds, Belong connects global income with Indian opportunities without the NRO, NRE or PIS maze.

Explore Belong:
Website: https://getbelong.com
App: https://app.getbelong.com/LywZ/YT
Instagram: https://www.instagram.com/getbelong
LinkedIn: https://www.linkedin.com/company/getbelong
X: https://x.com/GetBelong
Join our WhatsApp community: https://community.getbelong.com/
...more
8min
March 11, 2026Why Smart NRIs are Skipping Large-Caps and Buying This Instead | Belong
Most NRIs investing in India default to large caps. But the data tells a different story.
In this video, we break down why Indian mid-caps have consistently outperformed large caps and small caps across multiple market cycles, in average returns, median returns, and probability of double-digit outcomes.
Here's what we cover:
Why mid-cap PAT-to-GDP grew nearly 3x faster than Nifty 100 companies
How mid-cap earnings growth has outpaced large caps over full market cycles
Why cleaner balance sheets and improving ROE make mid-caps a compelling long-term bet
How NRIs can access Indian mid-caps tax-free through the GIFT City structure
The fund featured in this video:
Sundaram India Midcap GIFT Fund: A feeder fund built specifically for NRIs and global investors. Minimum investment $5,000 USD. Fully repatriable. No rupee conversion. No local tax filing.
Click here to know more: https://getbelong.com/tools/gift-city-mutual-funds/sundaram-india-mid-cap-fund-gift/
Chapters
00:00 - Intro
01:16 - The Mid-Cap Potential
03:30 - Mid-Caps: The NRI Growth Engine
04:22 - The Sundaram Mid-Cap GIFT Fund
05:26 - The GIFT City Advantage
About Belong
Belong is a fintech platform built for NRIs who want to invest in India with clarity and confidence. From USD Fixed Deposits to GIFT City Mutual Funds, Belong connects global income with Indian opportunities without the NRO, NRE or PIS maze.
Explore Belong:
Website: https://getbelong.com
App: https://app.getbelong.com/LywZ/YT
Instagram: https://www.instagram.com/getbelong
LinkedIn: https://www.linkedin.com/company/getbelong
X: https://x.com/GetBelong
Join our WhatsApp community: https://community.getbelong.com/
...more
7min
March 09, 2026From Banker to Oxford's EdTech Partner | XED’s IPO That NRIs Should Know About
What if you could study at Oxford, Cornell, or Harvard without leaving your career behind?

That's exactly what XED has been quietly building for over a decade. And now, they're going public.

In this exclusive interview with John Kallelil, (CEO & Founder, XED), we talk about:
How XED partners with the world's top universities
Why they charge $28,000 per seat (and still have a waitlist)
The B2B & B2C model fueling their growth
Post-IPO plans: AI, acquisitions & global expansion
Why NOW is the right time to go public
If you're an investor, executive, or simply curious about the future of premium education — this one's for you.

Chapters
00:00 - Intro
00:34 - Early Life and the Birth of XED
03:40 - What is XED?
06:57 - Is XED an ED-Tech?
09:18 - How Does XED Approach Executive Education?
14:49 - What Does it Take to Partner with the World's Top Universities?
18:02 - Real-World Learning vs Classroom Learning
23:52 - Is XED a B2B or B2C?
31:59 - Long-Term Plans for B2B & B2C
33:53 - How XED is Positioning itself Against the Competitors?
38:13 - How Scalable is XED?
42:25 - Long-Term Plans for XED
46:34 - What Makes XED Sustainable in the Long-Term?
49:49 - What are the Post-IPO Plans for XED?
53:13 - Rapid Fire Questions

About Belong
Belong is a fintech platform built for NRIs who want to invest in India with clarity and confidence. From USD Fixed Deposits to GIFT City Mutual Funds, Belong connects global income with Indian opportunities without the NRO, NRE or PIS maze.

Explore Belong:
Website: https://getbelong.com
App: https://app.getbelong.com/LywZ/YT
Instagram: https://www.instagram.com/getbelong
LinkedIn: https://www.linkedin.com/company/getbelong
X: https://x.com/GetBelong

Join our WhatsApp community: https://community.getbelong.com/
...more
58min
March 05, 2026 The Expensive NRE & FCNR Myth Nobody Warns You About
Most NRIs assume their NRE interest stays tax-free until the deposit matures. And honestly? That assumption makes sense. Nobody told you otherwise.

But here's the truth — the moment your intent shifts from visiting India to staying in India, your tax-free status starts a countdown. And that countdown doesn't wait for your FD to mature.

That assumption can cost you. A lot.

In today’s episode of The Offshore Advantage, CA Sagar Soman, breaks down exactly what happens to your NRE and FCNR deposits the moment you return to India.

Chapters
00:00 Intro
01:08 The Two Clock Analogy
01:45 NRE vs. NRO vs. FCNR: Key Differences
02:02 Understanding FEMA Regulations
02:33 Two Clocks, Two Residency Tests
03:03 Bank Procedures on Return
04:44 Debunking the Biggest NRE Myth
05:41 What Happens to NRE FDs?
07:07 The Truth About NRE FD Tax
08:07 FCNR(B): The Clean Exit Strategy
09:00 Tax Implications for FCNR
10:10 Managing RFC at FCNR Maturity
10:49 3 Essential Tasks Upon Returning
11:38 Critical TDS Warning
12:06 Summary & Final Thoughts

About Belong
Belong is a fintech platform built for NRIs who want to invest in India with clarity and confidence. From USD Fixed Deposits to GIFT City Mutual Funds, Belong connects global income with Indian opportunities without the NRO, NRE or PIS maze.

Explore Belong:
Website: https://getbelong.com
App: https://app.getbelong.com/LywZ/YT
Instagram: https://www.instagram.com/getbelong
LinkedIn: https://www.linkedin.com/company/getbelong
X: https://x.com/GetBelong
Join our WhatsApp community: https://community.getbelong.com/
...more
14min

FAQs about Everywhere We Belong:

How many episodes does Everywhere We Belong have?

The podcast currently has 32 episodes available.