Author: Karthik
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Letter to Bank Manager for Education Loan: Complete Format, Samples, and Smart Tips for 2025
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Pursuing higher education is a milestone that often comes with major financial commitments. Many students turn to education loans to make that dream a reality, but once the loan is sanctioned, the real test begins getting it disbursed on time. When deadlines are closing in and fee payments can’t wait, writing a well-drafted letter to…
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ICICI Bank Charges for International Transactions (2025) – What You Really Pay & How to Save
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Understanding ICICI Bank charges for international transactions is essential for anyone who receives or sends money across borders. Transfers include multiple cost layers beyond a single transfer fee, including bank service charges currency conversion markups and intermediary deductions. This article sets out the outward remittance fee structure that ICICI publishes, the way conversion margins affect…
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Understanding TCS on Gift Remittances in India 2025: Rules, Thresholds, and Refund Process
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Sending money abroad as a gift is one of the most heartfelt ways to support family members or celebrate special occasions. With new regulations now in place, it is important to understand how TCS on gift remittances works under the RBI’s Liberalized Remittance Scheme (LRS). From 1 April 2025, gift remittances fall under Section 206C(1G)…
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SBI Bank Charges for International Transactions (2025): The Ultimate Guide to Saving on Cross-Border Transfers
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In today’s borderless financial world, understanding the SBI Bank Charges for International Transactions is more than a matter of convenience; it’s a financial necessity. Whether you are sending tuition fees abroad, receiving overseas income, or using your debit or credit card internationally, the difference between transparency and hidden cost can decide how much value you…
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Gifting Money Abroad vs. Carrying Cash: Which Is Better in 2025?
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Sending money overseas as a gift has become common, whether for family, friends, or special occasions. Yet one question keeps coming up: is it better to carry physical cash yourself or send it through a regulated transfer? At first, carrying cash seems simple: just withdraw, pack, and hand over. But once you factor in border…
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Send Gift Money to Dubai from India | 2025 Complete Legal & Cost Guide
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Sending gift money to Dubai from India has evolved from a family ritual into a seamless financial experience. With more than 3.5 million Indians living in the UAE, cross-border gifting now sits at the intersection of emotion, compliance, and technology. As India’s outward remittances cross USD 30 billion annually, more people are looking for the…
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Best Ways to Send Gift Money to New Zealand from India (2025 Update)
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How to Send Gift Money to New Zealand from India in a Compliant, Cost-Effective and High-Impact Way Sending gift money to New Zealand from India is a growing trend among Indian families and friends spread across the world. Whether it is to celebrate milestones, support a student or just show affection, the method of transfer,…
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How to Send Gift Money to Australia from India (2025 Guide)
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Every milestone birthdays, weddings, graduations, or family achievements calls for celebration. For thousands of Indians with loved ones in Australia, a monetary gift is often the most thoughtful way to express care across borders. With over 1.1 million Indian-origin residents in Australia as of 2025, cross-border gifting has become more than a gesture; it’s a…
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How to Send Gift Money from India to Europe in 2025: The Complete Expert Playbook
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For decades, sending money across borders meant paperwork, hidden charges, and uncertainty. Today, the story has changed. If you want to send gift money from India to Europe, the process is faster, digital, and tightly regulated to ensure transparency and safety. This guide unpacks every step from the latest RBI rules to practical tax insights…