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    <title>India on Daman Arora</title>
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      <title>Bank 3-in-1 vs Discount Broker: What an NRI Actually Pays</title>
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      <pubDate>Thu, 20 Aug 2026 16:00:00 +0000</pubDate>
      
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      <description>I recently went down a rabbit hole exploring what it really costs to trade Indian stocks as an NRI. I was not switching anything, just wanted to understand where my money goes. Here is the short version.
The account maze As an NRI you do not just open &amp;ldquo;an account.&amp;rdquo; You end up with layers:
NRE / NRO are the bank accounts. NRE holds money from abroad and is repatriable. NRO holds income earned in India.</description>
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      <title>Primary vs Secondary Markets: Why NRIs Get an Extra Layer</title>
      <link>https://damanarora.netlify.app/posts/primary-vs-secondary-markets-nri/</link>
      <pubDate>Thu, 20 Aug 2026 14:00:00 +0000</pubDate>
      
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      <description>If you are an NRI who has tried to invest in India, you have probably hit a wall of confusing terms: PIS, non-PIS, NRE, NRO, primary, secondary. It feels like bureaucracy for its own sake. It is not. Underneath all of it sits one clean idea, with a monitoring layer stacked on top. Once you see the structure, the whole thing clicks.
The one idea underneath everything: primary vs secondary Every security lives in one of two markets, and the difference is simply who you are buying from.</description>
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