Ram Holder
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 RAM RAM HOL UN7BU Universal X Grip Cell Phone Holder with 1 Ball $30.99 Time Remaining: 27d 2h 53m Buy It Now for only: $30.99 |
 RAM HOL GA26U Holder for Garmin nuvi 710 750 755T 760 765T 770 775T 780 785T $10.49 Time Remaining: 25d 4h 23m Buy It Now for only: $10.49 |
 Garmin Nuvi 34503450LM349037503760T 3790T RAM Mount Holder G39 $13.98 Time Remaining: 29d 11h 37m Buy It Now for only: $13.98 |
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 Garmin Nuvi 600610650660670680 Ram Mount Cradle Holder G23 $12.82 Time Remaining: 20d 4h 17m Buy It Now for only: $12.82 |
 RAM RAM HOL PD3U Universal Spring Loaded Cell Phone Cradle Holder $14.50 Time Remaining: 24d 11h 18m Buy It Now for only: $14.50 |
 Garmin Montana 600 650 650 RAM Mount Cradle Holder G46 $12.68 Time Remaining: 1d 10h 35m Buy It Now for only: $12.68 |
 RAM HOL GA6U Cradle Holder for the Garmin GPS 72 76 96 GPSMAP 72 76S $13.99 Time Remaining: 20d 5h 8m Buy It Now for only: $13.99 |
 RAM RAM HOL GA35U Cradle Holder for the Garmin nuvi 1440 1450 1490T $9.99 Time Remaining: 27d 4h 18m Buy It Now for only: $9.99 |
 Garmin eTrex 10 20 30 RAM Mount Cradle Holder G48 $13.78 Time Remaining: 10d 23h 22m Buy It Now for only: $13.78 |
 Car Suction Cup Holder Metal Mount for Garmin Montana 600 650 650t GPS $39.95 Time Remaining: 27d 9h 39m Buy It Now for only: $39.95 |
 RAM HOL GA49U RAM Cradle Holder for Garmin Nuvi 40 40LM GPS $15.95 Time Remaining: 24d 6h 15m Buy It Now for only: $15.95 |
 RAM Drink Cup Holder with 1 Ball Part RAM B 132BU $19.95 Time Remaining: 9d 5h 50m Buy It Now for only: $19.95 |
 RAM HOL UN7U RAM Universal X Grip Cell Phone Holder $25.95 Time Remaining: 10d 12h 49m Buy It Now for only: $25.95 |
 RAM HOL GA32U Cradle Holder for the Garmin nuvi 220 500 510 550 zumo 220 $9.50 Time Remaining: 21d 4h 33m Buy It Now for only: $9.50 |
 RAM HOL GA31U RAM Holder for Garmin Oregon GPS $16.95 Time Remaining: 3d 4h 47m Buy It Now for only: $16.95 |
 RAM HOL GA46U RAM Cradle Holder for Garmin Montana 600 650 650t GPS $15.95 Time Remaining: 27d 9h 39m Buy It Now for only: $15.95 |
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 RAM HOL GA52U RAM Cradle Holder with BALL for Garmin Nuvi 2555LT 2555LMT 2595LMT $26.95 Time Remaining: 23d 7h 21m Buy It Now for only: $26.95 |
 RAM Mounting Systems RAM HOL UN4U Universal Finger Grip Holder $31.81 Time Remaining: 8d 16h 37m Buy It Now for only: $31.81 |
 RAM HOL GA25U RAM Holder for Garmin Nuvi 255W 250W 200W $14.95 Time Remaining: 14d 13h 31m Buy It Now for only: $14.95 |
 RAM HOL GA39U Cradle Holder for Garmin nuvi 3450 3450LM 3490 3750 3760T 3790T $12.49 Time Remaining: 18d 28m Buy It Now for only: $12.49 |
 RAM Composite Twist Lock Suction Cup Mount w Universal X Grip Cell Phone Holder $52.95 Time Remaining: 2d 14h 47m Buy It Now for only: $52.95 |
 RAM HOL TO10U RAM Holder for TomTom XXL 530 535 540 550 $16.95 Time Remaining: 22d 1h 7m Buy It Now for only: $16.95 |
 RAM B 132BU Self Leveling Beverage Holder Ram Mounts $22.99 Time Remaining: 28d 3h 2m Buy It Now for only: $22.99 |
 RAM HOL GA1U RAM Cradle Holder for the Garmin GPS 12 12CX 12XL 2MAP 38 $18.50 Time Remaining: 28d 10h 58m Buy It Now for only: $18.50 |
 RAM HOL GA51U RAM Cradle Holder for Garmin Nuvi 30 GPS $15.95 Time Remaining: 24d 6h 31m Buy It Now for only: $15.95 |
 UNPKD RAM CRADLE HOLDER FOR THE GARMIN NUVI 30 NEW $10.49 Time Remaining: 14d 28m Buy It Now for only: $10.49 |
 RAM RAM HOL GA45U Cradle Holder for the Garmin nuvi 2450 2450LM 2460LT 2460LMT $13.49 Time Remaining: 15d 10h 13m Buy It Now for only: $13.49 |
 RAM HOL MA6U RAM Magellan eXplorist XL Cradle Holder $15.95 Time Remaining: 28d 4h 51m Buy It Now for only: $15.95 |
 RAM HOL GA5U Cradle Holder for the Garmin eTrex Legend Summit Venture Vista $10.50 Time Remaining: 19d 11h 48m Buy It Now for only: $10.50 |
 RAM HOL GA52U RAM Cradle Holder for Garmin Nuvi 2555LT 2555LMT 2595LMT GPS $16.95 Time Remaining: 23d 7h 8m Buy It Now for only: $16.95 |
 RAM Drink Cup Holder with Diamond Base RAM B 102 132U $34.95 Time Remaining: 27d 14h 8m Buy It Now for only: $34.95 |
 RAM Mount RAM Tab Tite Quick Release Tablet Holder $33.08 Time Remaining: 29d 15h 11m Buy It Now for only: $33.08 |
 RAM Motorcycle Stem Mount with Finger Grip Smartphone Cell Phone Cradle Holder $58.95 Time Remaining: 24d 10h 23m Buy It Now for only: $58.95 |
 RAM RAM HOL GA42U Cradle Holder for the Garmin nuvi 2200 2240 2250 2250LT $10.99 Time Remaining: 22d 28m Buy It Now for only: $10.99 |
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 RAM MOUNT DRINK CUP HOLDER W 1 BALL RAM B 132BU $22.38 Time Remaining: 5d 12h 27m Buy It Now for only: $22.38 |
 RAM B 166 UN1U SUCTION CUP MOUNT UNIVERSAL CLAMPING HOLDER FOR CELL PHONES $39.99 Time Remaining: 17d 4h 48m Buy It Now for only: $39.99 |
 RAM HOL GA34U RAM Holder for Garmin Nuvi 1300 1350 1390 $15.95 Time Remaining: 20d 16h 31m Buy It Now for only: $15.95 |
 RAM HOL TO6U Cradle Holder for the TomTom GO 520 520T 630 720 720T 730 920 920T $12.50 Time Remaining: 15d 28m Buy It Now for only: $12.50 |
 Genuine Garmin Ram Mount Bracket Holder Zumo 400 500 550 220 660 Montana Nuvi $50.15 Time Remaining: 22d 20h 20m Buy It Now for only: $50.15 |
 RAM RAM HOL MA1U Cradle Holder for the Magellan 12 310 315 320 $12.50 Time Remaining: 15d 28m Buy It Now for only: $12.50 |
 RAM RAM HOL GA24U Cradle Holder for Garmin nuvi 200 205 250 255 260 265T 270 $12.50 Time Remaining: 13d 2h 48m Buy It Now for only: $12.50 |
 RAM HOL GA50U RAM Cradle Holder for Garmin Nuvi 50 50LM GPS $16.95 Time Remaining: 24d 6h 15m Buy It Now for only: $16.95 |
 RAM RAM HOL GA36U Cradle Holder for the Garmin Approach Garmin Dakota10 Dakota20 $9.85 Time Remaining: 15d 10h 28m Buy It Now for only: $9.85 |
 RAM HOL MA9U Cradle Holder for the Magellan Triton 200 300 400 500 $12.99 Time Remaining: 23d 6h 23m Buy It Now for only: $12.99 |
 RAM HOL GA48U RAM Cradle Holder for Garmin eTrex 10 20 30 GPS $15.95 Time Remaining: 1d 7h 37m Buy It Now for only: $15.95 |
 RAM RAP 299 2U UNIV Cup Holder Mount with 6 Flex Arm Diamond Base Adapter $28.49 Time Remaining: 12d 12h 43m Buy It Now for only: $28.49 |
 RAM HOL GA39U RAM Cradle Holder for Garmin nuvi 3450 3450LM 3490 3750 3760T $12.49 Time Remaining: 21d 10h 29m Buy It Now for only: $12.49 |
 Car Suction Cup Holder RAM Mount for Lowrance XOG $39.95 Time Remaining: 15d 7h 36m Buy It Now for only: $39.95 |
 RAM UNIVERSAL BELT CLIP PHONE GPS CRADLE HOLDER $11.99 Time Remaining: 10d 3h 51m Buy It Now for only: $11.99 |
 RAM RAM HOL GA41U Cradle Holder for the Garmin Astro 320 GPSMAP 62 62s 62st $10.99 Time Remaining: 12d 11h 48m Buy It Now for only: $10.99 |
 RAM RAM HOL MA14U Cradle Holder for the Magellan eXplorist 510 610 710 $12.99 Time Remaining: 23d 2h 38m Buy It Now for only: $12.99 |
 Garmin II III Pilot Ram Mount Cradle Holder G2 $15.46 Time Remaining: 22d 9h 10m Buy It Now for only: $15.46 |
 RAM HOL GA28U Cradle Holder for the Garmin nuvi 5000 $10.99 Time Remaining: 20d 28m Buy It Now for only: $10.99 |
 RAM HOL GA33U Cradle Holder for Garmin nuvi1100 1100LM 1200 1240 1245 1250 1260T $9.99 Time Remaining: 13d 15h 8m Buy It Now for only: $9.99 |
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 RAM RAM HOL GA20U Cradle Holder for the Garmin Rino 520 520HCx 530 530HCx $11.99 Time Remaining: 16d 7h 52m Buy It Now for only: $11.99 |
 RAM HOL GA32U RAM Holder for Garmin Nuvi 500 550 GPS $15.95 Time Remaining: 8d 7h 37m Buy It Now for only: $15.95 |
 RAM RAM HOL GA4U Cradle Holder for the Garmin eMap $9.99 Time Remaining: 8d 9h 18m Buy It Now for only: $9.99 |
 RAM X Grip Spring Loaded Holder for cell phones with Cases Skins Bumpers $33.99 Time Remaining: 15d 28m Buy It Now for only: $33.99 |
 RAM Mount RAM A CAN II Universal Cup Holder Mount w 6 Flex Arm RAP 299 2U $29.49 Time Remaining: 1d 5h 40m Buy It Now for only: $29.49 |
 RAM HOL GA42U RAM Cradle Holder for the Garmin nuvi 2200 2240 2250 2250LT $10.99 Time Remaining: 21d 10h 35m Buy It Now for only: $10.99 |
 RAM RAM HOL DEL2U Cradle Holder for the DeLorme inReach Cradle Only $16.50 Time Remaining: 17d 12h 8m Buy It Now for only: $16.50 |
 Garmin Nuvi 5000 RAM Mount Cradle Holder Holster G28 $15.16 Time Remaining: 18d 17h 43m Buy It Now for only: $15.16 |
 RAM HOL GA46U RAM Cradle Holder with BALL for Garmin Montana 600 650 650t GPS $25.95 Time Remaining: 27d 9h 39m Buy It Now for only: $25.95 |
 RAM RAM HOL GA2U Cradle Holder for the Garmin II III Pilot $11.50 Time Remaining: 23d 3h 48m Buy It Now for only: $11.50 |
 RAM HOL TO11U RAM Holder for TomTom GO 2505 2535 1005 $15.95 Time Remaining: 26d 15h 20m Buy It Now for only: $15.95 |
 RAM RAM HOL AP10U Cradle Holder for the Apple iPod touch 4th Generation $10.99 Time Remaining: 7d 28m Buy It Now for only: $10.99 |
 RAM HOL TO5U Cradle Holder for the TomTom ONE XL XLS $10.99 Time Remaining: 15d 12h 48m Buy It Now for only: $10.99 |
 RAM RAM HOL LO2 HOLDER FOR LOWRANCE IFINDER SERIES $9.99 Time Remaining: 28d 11h 3m Buy It Now for only: $9.99 |
 RAM HOL TO3U Cradle Holder for the TomTom GO 510 710 910 $11.99 Time Remaining: 29d 4h 8m Buy It Now for only: $11.99 |
 RAM Marine Car Dash Drink Cup Holder $36.95 Time Remaining: 13d 15h 39m Buy It Now for only: $36.95 |
 RAM HOL GA24U RAM Cradle Holder with BALL for Garmin Nuvi 200 205 250 255 260 $25.95 Time Remaining: 27d 13h 50m Buy It Now for only: $25.95 |
 RAM HOL MA2U Holder for Magellan Meridian Color Gold GPS Marine Ocean Platinum $10.50 Time Remaining: 4d 9h 8m Buy It Now for only: $10.50 |
 GARMIN RAM GPS HOLDER CRADLE $7.50 Time Remaining: 18d 2h 47m Buy It Now for only: $7.50 |
 RAM HOL MA5U RAM Cradle Holder fr Magellan eXplorist 100 200 300 400 500 600 GPS $15.95 Time Remaining: 6h 39m Buy It Now for only: $15.95 |
NRO, NRE and FCNR accounts for NRIs: Pros and Cons to consider before opening a account
There are several options available for NRIs considering opening a account in an Indian bank: Non-Resident Ordinary (NRO) Savings Account, NRO Fixed Deposit Account, Non-Resident External (NRE) Savings Account, NRE Fixed Deposit Account and Foreign Currency Non Resident (FCNR) Fixed Deposit Account. Each of these account types has certain advantages and disadvantages. Understanding them can help you in making a choice. Factors to consider include:
- Source of the funds in the account: Are the funds to be deposited in these accounts from sources in India or abroad?
- Currency in which the account is maintained and associated currency rate risks if you want to convert back into the foreign currency: Do you intend to repatriate the currency back to your country of residence at some point?
- Repatriability: Can you convert back to the foreign currency?
- Taxation in India on the principal and interest earned: Do you have to pay taxes for the money in India?
- Ability for an Indian resident to operate the account with a mandate: Can a family member in India operate the account with a mandate card issued by the bank?
- Can the account have a Indian resident as a joint account holder? Note that this is different than having a family have the ability to withdraw funds from the account as a mandatee.
Key aspects of NRE accounts are as follows:
- NRE accounts are maintained in rupees. This means that the foreign currency is converted to Indian rupees at the prevailing foreign exchange rates when the money is deposited into the account.
- The primary source of funds deposited into NRE accounts must be from your earnings abroad. In other words, you cannot deposit money from sources in India such as house rent or pensions in this account.
- The principal amount and the interest are fully repatriable (can be converted to any foreign currency). The conversion back to foreign currency is done at the prevailing forex rates.
- Interest income earned on the money in a NRE account is non-taxable in India. However, it may be taxable in your country of residence as per that country's tax rules.
- You can only have other NRIs as joint account holders on NRE accounts. Resident Indians cannot be joint account holders in NRE accounts with NRIs.
Key aspects of NRO accounts are as follows:
- NRO accounts are maintained in rupees. This means that the foreign currency is converted to Indian rupees at the prevailing foreign exchange rates when the money is deposited into the account.
- The source of funds deposited into NRO accounts can be from India or abroad. NRO accounts are appropriate for NRIs who have had earnings in India earlier and became NRIs later as well as NRIs with income from sources in India such as house rent, pensions etc. You an also deposit money from your earnings abroad or transfer money from a NRE account into a NRO account.
- Current Income like rent, dividend, pension can be remitted abroad through the NRO account. Funds which can be repatriated from the NRO are subject to a maximum limit of USD 1 million per financial year. Repatriability is subject to conditions.
- Interest income earned on the money in a NRO account is liable for taxes in India.
- You can have other NRIs or resident Indians as joint account holders on NRO accounts.
Key aspects of FCNR accounts are as follows:
- FCNR accounts have to be opened and maintained in the foreign currency itself.
- The source of funds deposited into FCNR accounts have to be from sources abroad. They can also be from your other NRE or FCNR accounts.
- The principal amount and the interest are fully repatriable
- Interest income earned on the money in a FCNR account is non-taxable in India. However, it may be taxable in your country of residence as per that country's tax rules.
- You can only have other NRIs as joint account holders on FCNR accounts. Resident Indians cannot be joint account holders in FCNR accounts with NRIs.
NRE and FCNR accounts have the advantages of not having to pay taxes in India which could be a hassle for NRIs trying to figure out the tax rules in India as well as their country of residence.
People opening NRE accounts and would like to repatriate their funds at some point must consider the foreign currency conversion rates at the time the funds are being deposited versus the time when the funds have to be repatriated. This can carry risks as well as rewards depending on the forex rates trend. For example, if $1000 is converted to Indian rupees at Rs. 50 per dollar and then converted back to dollars at a conversion rate of Rs. 40 per dollar, then you would get back $1250 for a good gain. On the other hand, if the dollar is at Rs. 55 per dollar, you would lose some of your principal when you do the repatriation.
FCNR accounts do not carry any forex rate risk as the accounts are always maintained in the foreign currency.
NRO accounts have the advantage of being able to deposit funds from both sources in India and abroad and having joint account holders in India. Repatriability of funds is a disadvatage for NRO accounts. The key advantage of NRO fixed deposit accounts is the substantially higher interest rates as compared to FCNR and NRE accounts. Check Ratekhoj for latest NRO fixed deposit interest rates offered by various banks in India. The rate of interest offered is different in different banks and also depends on the fixed deposit tenure. So your choice of which bank to open a account in can depend on the interest rates.
FCNR and NRE fixed deposit accounts typically yield much lower than NRO fixed deposit accounts. Check Ratekhoj for latest FCNR and NRE rates. Most banks in India offer the same interest rate for FCNR and NRE fixed deposit accounts. So if you are planning to choose a bank for your NRE or FCNR fixed deposits, interest rates offered is not a consideration.
Both NRE and NRO savings accounts yield 3.5% currently. There is no savings account option for FCNR accounts.
NRE Savings and NRO Savings accounts allow you to have family members in India as mandate holders whereas you cannot have mandatees for the fixed deposit options available in NRE, NRO and FCNR accounts. Mandate holders can withdraw funds from your accounts in India with some type of a card such as a debit card of a ATM card. They can also withdraw funds at the bank locations. Banks such as Citibank allow you to even specify certain conditions on the amounts of withdrawals allowed per month on the operations of the mandatee.
Most banks also provide for taking loans for a certain percentage of your existing balance on your NRE, NRO and FCNR fixed deposit accounts. Check with the banks for details on loans.
About the Author
Ratekhoj.com is a personal finance comparison website where you can compare and get the best fixed deposits, home loans, credit cards and insurance products from all leading banks and financial institutions in India.