Start Here - The UK Indian Money Guide
If you've just found Pound & Paisa, welcome. This page will tell you exactly what this place is, who it's for, and where to start.
Who this is for
You're an Indian living in the UK. You earn in pounds but think in rupees. You have a life here and ties back home. Maybe you send money to family every month. Maybe you have investments in India and don't know what to do with them now that you're here. Maybe you're trying to figure out ISAs but every guide you find is written for British people with no connection to India. Maybe you want to retire early - but you're not sure if that's in London or back home.
Nobody is building for you specifically. Until now.
Who I am
I'm Prateek. I've been living in the UK since 2011 - that's 15 years of navigating British life, British tax, British mortgages, and British bureaucracy while keeping one eye firmly on India. Over that time I've built and managed investments across the UK, India, the US, and global markets.
I know what it feels like to sit in both worlds financially and feel like neither system was designed with you in mind. That frustration is exactly what drove me to build this.
I run NRI Whizz and Pound & Paisa - two platforms built specifically for Indians in the UK who want straight answers without the jargon. Everything I share here comes from real experience, real mistakes, and real money. Not theory. Not generic advice copied from a British finance blog. The actual stuff that matters when you're living this specific life.
What you'll find here
Everything on this site sits in one of six areas:
UK Investing - ISAs, ETFs, pensions, UK brokers, how UK tax works for NRIs
India Investing - Mutual funds for NRIs, LTCG, repatriation of money back to the UK
NRI Life - NRE vs NRO accounts, DTAA, sending money home, filing your Indian tax return from the UK
Real Money - My actual portfolio. Every fund, every decision, every mistake. No filter.
UK Indian Life - Property, mortgages, credit scores, raising a family across two financial systems
The Tools - A two-country retirement planner, loan planner, wealth tracker, ISA vs SIP calculator, remittance optimiser. Built specifically for the UK Indian. None of these exist anywhere else.
Where to start
If you're brand new, start with these three:
- NRE vs NRO vs FCNR - Which account do you actually need?
- How the ISA works - Explained for Indians in the UK
- DTAA India-UK - What it actually means for your money
The free tools
I've built calculators and tools specifically for our situation - things that don't exist anywhere else. The ISA vs SIP calculator, the remittance comparison tool, and the NRE vs NRO decision quiz are all free. No signup needed. Just use them.
The Inner Circle
This is where it goes deeper. Inside The Inner Circle you get the DTAA tax estimator, the dual portfolio dashboard, the two-country retirement planner, the loan planner, the wealth tracker, and weekly members-only deep dives that don't get published anywhere else.
You also get access to the Real Money Portfolio. I am building a real investment portfolio live, in front of The Inner Circle. Every decision explained before I make it. Every buy, every sell, every mistake. The actual numbers, the actual platforms, the actual thought process. Not a highlight reel. The whole journey, as it happens.
Founding membership is £9.99 a month. First 100 spots only at that price. After that it goes to £14.99 and it won't come back down.
One last thing
Reply to any email I send you. I read every one. This is a community, not a broadcast.
Glad you're here.
Prateek