--- title: 'Earn in Dollars From India | Vaibhav Kadnar' source: 'https://youtube.com/watch?v=o-KI_z22aeA' video_id: 'o-KI_z22aeA' date: 2026-08-03 duration_sec: 1094 --- # Earn in Dollars From India | Vaibhav Kadnar > Source: [Earn in Dollars From India | Vaibhav Kadnar](https://youtube.com/watch?v=o-KI_z22aeA) ## Summary This video explains why investing in US stocks from India is a logical step for global diversification, covering the rationale, legal framework (LRS), practical steps via the IndMoney platform, and tax implications. It emphasizes that US investing offers access to innovation and currency diversification, not just returns. ### Key Points - **Why US Stocks Matter** [00:01] — The primary reason for investing in US stocks is access to innovations, not just returns. Companies like Apple, Google, and Nvidia are not just making products but creating behavior changes and designing the future. - **Global Exposure Logic** [01:36] — Investing globally is a logical decision for diversification. The speaker still invests in Indian stocks but uses US stocks to satisfy the innovation bug and spread risk. - **Compounding Plus Currency** [02:19] — In the long term, US and Indian markets behave similarly, but US investing adds a currency return: dollar appreciation against the rupee. This is an extra layer of return. - **Currency Depreciation Trend** [03:39] — Currency depreciation is common in developing economies like India. It doesn't indicate economic weakness but is a trend due to high capital flows. - **Diversification and Risk** [04:21] — Depending on a single currency is not smart in the long term. Having global exposure spreads risk, while Indian investments remain the core. - **LRS and Legality** [05:28] — Investing in US stocks is legal under the Liberalised Remittance Scheme (LRS). The Indian government allows residents to remit up to $250,000 per financial year for investment, education, medical, etc. - **Simplified Process** [06:19] — Technology has made buying US stocks from India simple and compliant. No grey areas, everything is regulated and traceable. - **Personal Setup: IndMoney** [06:45] — The speaker uses IndMoney for its simplicity, clear compliance, and control. It offers a single dashboard for Indian and US investments, handles Indian compliance, and supports fractional investing. - **Buying Experience** [08:30] — Demonstrates the process: download app, enter phone number, fill PAN details, verify documents via Digilocker, take a selfie, link bank account, and start investing. - **Practical Demonstration** [10:07] — Shows how to buy Apple stock: select stock, view insights, analyst recommendations, and institutional holdings (BlackRock, Vanguard). Fractional buying allows investing as low as $1. - **Selling and Withdrawal** [13:13] — Selling is as easy as buying. You can sell partial shares. Money goes to US wallet and can be transferred back to Indian bank account with clear charges. - **ETFs for Beginners** [14:44] — US ETFs like S&P 500 offer automatic diversification and reduce single-company risk. Suitable for beginners and can be invested via monthly SIP. - **Tax Implications** [15:47] — Capital gains tax: short-term (if sold within 2 years) taxed as per income tax slab; long-term (after 2 years) taxed at 12.5%. Dividends have 25% US withholding tax, but tax treaty allows claiming credit in India. - **TCS on Remittances** [16:58] — If you remit more than Rs 10 lakh abroad in a financial year, 20% TCS is levied. This is your own money and can be claimed as credit. - **Final Advice** [17:12] — US investing is not a magic trick but a logical global thinking. Start with small amounts, learn, and then increase. Never invest under pressure. ### Conclusion Investing in US stocks from India is a legal, logical, and accessible way to diversify globally, offering access to innovation and currency benefits. Start small, understand the process, and use regulated platforms like IndMoney for a seamless experience. ## Transcript This video exists for a very simple reason. To invest in US stocks and you have any doubts around this topic then they will be answered in this video. There will be no hype, no get rich promises , no confusion in this video. If you trust only knowledge and explanation then only watch this video further. So let's start with the very basics: why do these US stocks even matter ? First of all, understand that my major reason for investing in US stocks was never returns. If only the returns had to be changed, you would get a lot of opportunities in India also. Look, my main reason was access to innovations. The US market is not only a market for money but also for ideas. Just n't just make phones or MacBooks. Apple created a behavior change. Today we are that they have become a part of our lives. After that Google never created a search engine. Google actually Microsoft which is not just in the business of making software. They are actually building a modern work culture as well. And you can also look at Nvidia which became famous in recent years. The AI ​​boom that you are seeing today would they are not just making profits. Making profit has become a very small thought. It is actually designing your future and at the same time invest only in the Indian market, you become just a product of these stories. You are not just a customer in one type. You don't have any ownership there. So this shift itself was too much for me. From a user to an owner. global, then a little global exposure in investments also seems to be a logical decision. But I still invest in Indian stocks. You will think that the US stock market satisfies the innovation bug inside me. markets, you will know many shocking things. Seasons come exactly on data. If we compare the US and Indian markets, then just like Sussex is a benchmark in India, Both of them represent the top companies of their respective countries. This video is not to prove that US is always better than India. Look, the actual reality is that sometimes India outperforms and sometimes US outperforms. But in the long term, the behavior of both is quite similar. The only difference starts from where people usually do not pay attention and that is compounding plus currency. Consider a simple scenario: if you invest in India, returns equal market growth. But if you invest the same in the US, the return equals market growth plus dollar appreciation against the rupee. investing more interesting. Now let me tell you a simple fact. You can see the history. As the dollar gradually became stronger, the rupee also gradually depreciated. Meaning, when you convert rupees into dollars and bring them back after many years, you do not get returns only on stocks. You also get a currency return. But this does not mean that investing in India is any less smart or that there is that US investing adds an additional dimension India versus US. Look at it this way that there is talk of India and US investing. This dollar appreciation thing may sound simple First of all, let us make one thing clear that I myself do because there is no guarantee of dollar appreciation. I consider this layer. When we invest in India, we are This extra layer was added to US investing. For example, let's take a scenario where the Indian market and the US market give us the same returns. However, this currency movement may they invest only for one or two years. Or actually, in 5-10 years you will see a huge impact. And if I am talking about depreciation of currency, then that depreciation of the value of Indian Rupee does not indicate that India is economically weak. Currency depreciation is a trend in all the developing and fast growing economies of the world. If flow is very high. This is why this depreciation is visible. I personally invest in the US because I think it's not smart to depend on a single currency in the long term. because I think it's not smart to depend on a single currency in the long term. and spending in India should always be our core. But having a little global spreads the risk a little bit. And when you understand this, then another doubt naturally arises in your mind whether all this is legal or not. And from there we come to our next section which is LRs and Legality. So look, all these US tech companies are first of all earning revenue from India. It is taking data from India and growing its users from India itself. In a way, we are their customers. But a simple question that does not come to anyone's mind is that if these companies are growing with us then why should we not grow with them? And whenever you bring these profits back to India, you pay tax in India. After that, you will capital will be invested overall in India. That is why I do not see it as anti-India but from the lens of global participation. Now is all this legal or not? Does the government allow it or not? I hope we don't have any problem tomorrow. These are perfectly valid questions that can come to everyone's mind. And even start investing. So let me explain it to you in very simple and clear words. explain it to you in very simple and clear words. investment is made. Which is known as LRs. The full form of LRS is Liberalised Remittance Scheme. Now what does this mean ? The Indian government allows every resident to ? The Indian government allows every resident to And this is not just for investing. This basically covers your foreign education. Medical expenses are covered. If you are travelling then that is covered. This $2,50,000 means it will be around $2 crore. means it will be around $2 crore. 99% never even cross this limit. That's why this limit seems very practical. Now it is legal, it has happened. Another doubt comes to mind that brother, this is legal but it will be In the olden times, things were a little complicated. Earlier you had to go to the bank and fill the form. [Music] The charges were also very high. The exchange But today's technology has made this process simple and seamless. Today you can buy and sell US stocks from India with proper compliance. You don't have to make any arrangements. There is no grey in this. There are no shortcuts. Everything is absolutely white, regulated and traceable. And once the legalities are clear, the next logical question is how to do it? Which will be the process? And from there we come to my own personal setup where I invest, which is called Indiney. Now let me make a stupid confession. There are many different options available in the market today for investing in US stocks. I will never way exists. But friend, not every option is right for every person. Now whatever I am sharing with you is because this is my personal setup. My requirement was very simple. The process should be very simple. Compliance should be clear and my money should remain under my control. And overall all these things should not seem complicated. It seemed very easy to understand. Now I found End Money fit on this filter. Now look, are four main reasons for this. The first thing that many people ignore is that there is a single also see Indian investments at one place. US stocks are also visible. Tracking This doesn't make everything seem so scattered. You get everything at one place. The second one is their Indian compliance. handled within the platform itself, then as an investor, your mental load thing is that it is easy for beginners. If a US stock is worth $500, it is not necessary that you have to invest only $500. also get fractional investing. Meaning you what happens with this? The pressure is less here. Your learning becomes much smoother and you can also experiment. Moreover, if you want to start SIP in US stocks or global ETFs, you can literally start with just ₹500. And gradually you last thing comes to clarity. When you use Indni, you know , how it is invested. That's why for me personally Na Indy is not just an app. It is a bridge between India and global markets. Now see, the platform has also become Now the actual thing comes that what is the buying experience like. Let me you have to download End Money by clicking on the link given in the description. and just enter your phone number. Then after that you have to enter your name exactly in the same way as it is on your PAN card. So after this just click on continue me select this one here. Now just tick all the check boxes and Now it will ask you where do you want to invest? So here I selecting the US market. After that you will have to enter some details of PAN card here. After that you have to select the gender. You have to select your martial status and nationality and then father's name and in which city you were born. Ok ? The rest are some personal details. If you want, you can fill it very quickly. Ok? After that all your documents will be verified. My PAN card is connected to Digilocker here. So it gets verified very quickly. I just need to enter a few things here. Now after completing this process, he will ask you for a selfie. So you have to take that selfie. I'll quickly take a selfie here. Then you just have to add your bank here from where you will invest in US stocks. So I just added the bank here and proceeded to link the account. Let's do it. This is a very simple and easy process. You can get it done quickly from whichever bank your Google Pay is linked to. And we are ready to invest in our first stock. Look, now here I will not tell you anything about the theory. I am going to demonstrate to you practically want to make it clear to you in advance that this is not a stock recommendation. I am just investing is very simple. All you have to do is click on Start Investing here. you will find many stocks in the explore page. Like I see Apple here. Alphabet, which is basically the parent company of Google, is visible. Microsoft is showing up. Amazon is visible, Tesla is visible. You will find many such US companies here. Now for example, if I click on Apple, then all the information of Apple appears in front of me. If any events have taken place here, then that is also shown below. After that, if Apple has any You Know Insights or business insights of the company, then you can also find them here below. Plus you can find all the other stats by scrolling down and an analyst recommendation to see what the analyst has to say. They are telling you to say. They are telling you to buy, hold and sell the stock. Ok? After that you will get a forecast and going down you will get a little comparison as to how it is performing in comparison to other companies. Ok? If you want, you Ok? If you want, you you scroll down a little, you will also see that all the big firms like BlackRock, Vanguard, State Street, Cobb, these are very big companies of US which have already invested in Apple and they have a huge share, 9%, 7% when it comes to Apple is a huge thing. So understand that we have to buy it. Here the next step is to decide the amount you want to buy. Fractional buying is allowed in the US market. Meaning, let's say it's a stock worth $273. Meaning, if you calculate in India, this stock will be worth roughly Rs 24-25,000. So if you were to see this in India, you would have to purchase at least the entire stock. But you can get its parts in the US. You can get a small piece for $1, a larger piece for $200, or even a whole stock for $273. Now I will click on Buy and enter an amount. Let's say I hold a small amount of it and see. I want to buy some stock for $10. Ok? Suppose I want to buy $10 worth of stock. Now first of all I have to add funds to my US account. Ok? So here I entered the amount ₹10,000. Ok? You also get the price breakup here immediately that after converting immediately that after converting you will get $19. The exchange rate is absolutely best at ₹90.57 and GST charges are roughly around ₹45. Now you will see here that I am saving around ₹1000. What is written above in green color gives you end money at a lower price than the transfer charges and forex rates that you get outside. forex rates that you get outside. I will show you how to invest Rs 10,000 here. I will give you ad money here. You will be asked for a customer ID which you can easily fetch. After that, As you can see. You just have to press bye. After that you get a confirmation. If the market is open then it gets executed. And if suppose the market is closed then that order gets put in the queue. Don't worry. It will be executed the next time the market opens. And as soon as the order is executed, you invested. How many shares do you have and what is your current value. It's just that much easier to purchase a US stock. Right now a doubt might be coming in your mind that friend, you have bought it but how to sell it? So let's understand that. most common fear among people is whether their money will get lost or not. people feel that control is slipping out of their hands. We But the reality is quite simple. Selling US stocks is as easy as buying them. forward. All you have to do is select your stock. After that go to the sell option. And you don't have any flexibility here either. If you want, you can sell all the shares or just a partial amount. That is why useful here also. Meaning, suppose if you just want to book a little profit or withdraw a little capital for some work, then you do not need to sell the entire stock. order gets placed. After that the execution takes place in almost real time. order is executed at the next market open. lock in here. No force holding will be seen. And once you sell the stock, the money comes into your US wallet. Now once the money is in your US wallet, the next question arises: how will this money come back to India? So this is also very simple. You can easily transfer money from your US wallet to your Indian bank account. The entire money from your US wallet to your Indian bank account. The entire charges are levied for this are clearly mentioned. There are not dependent on just one app. There is a proper brokerage and custodian structure on the US side. Meaning, even if something happens to the platform tomorrow, your stock remains safe inside the system. That is why foreign investing is a proper and people might be thinking that I don't have time to sit and look at the stocks myself. So what should I do at such a moment ? Now if you do not have time then US ETF can be the best option for you. If I explain ETF to you in simple words, then it is basically a basket which contains multiple companies which you can choose by just a single click. Basically, instead of choosing individual stocks, you are if I give you a clear example of this, SNP 500 ETF. This is the ETF of the top 500 companies of the US, which includes companies like Apple, Microsoft, Google, Nvidia and you will get all this ? Your diversification, which I mentioned earlier, happens automatically. Secondly, the risk of a single company also reduces a bit. That means, it is possible that if one company goes down, the other may balance it and for all the beginners, I would suggest that they should take a kind of entry point in that market through ETF itself. If you want, you can also adopt an approach like monthly SIP. Just keep investing a little bit every month. But yes, ETFs also come under market risk. Just because of one type the risk gets spread a little more. talk about an important thing which is tax. Now, as soon as people hear the word tax, they complicated topic. But I will try to explain it to you in the simplest words. First of all comes this capital gains tax. That means, if you this capital gains tax. That means, if you tax slab will be there on this, it will be applicable according to your income tax slab. And suppose if you sell it after 2 years then you will be charged long term capital gain tax. This is taxed roughly around 12.5% ​​as per the current income tax rules. Now that the taxes are dividends. Now whenever a US company pays dividends, the US government already deducts withholding tax. This is usually around 25%. Meaning This is usually around 25%. Meaning if you receive a $100 dividend, $75 comes into your account. The $25 was deducted at 25%. Now you will think that I am losing this money but it is not getting lost. There is a tax treaty between India and the US. That is why when you file ITR in India, Just like TCS and one last point which does not apply to most of the people but is important to know. If you send more than Rs 10 lakh abroad in a financial year, the government levies 20% TCS on it. Now understand that this is your own money. Now let's put this entire video together at one place. US investing is not a magic trick. This is not a shortcut either. It's just a simple logical thing. This is the moment when you start thinking a little globally. Look, I do it myself and will continue to do so. But in my opinion, depending on one country, one currency and one not a smart strategy in the long term. That is why diversification is equally important here. And when it comes to foreign investing, the most important thing is trust. That's where the trust of End Money comes from for me. Regulated money flow, clear legal structure, proper brokerage, custodian setup, transparent reporting and Indian compliance. Here everything is white, everything is traceable and most importantly its control remains in your hands i.e. the investor. When to buy , when to sell, when to bring the money to India , the decision is yours. Look, simple advice. Start with a very small amount. First learn and then understand and then increase the amount. If you want to explore US stocks, Always remember, never invest under pressure. First understand and then with another such valuable topic. Till then keep hustling, keep learning and as always keep hustling, keep learning and as always keep inspiring.