Money, teams, and the tools I build at midnight.
I'm Amit — an Indian in the UAE, twenty years in banking technology. Three things I keep coming back to: making sense of money across two countries, leading engineering teams, and the small AI tools I build for myself and share here. One piece a week — the real numbers, the real trade-offs, the parts that went wrong.
For once, the dollar deposit is the interesting one
The RBI's June 2026 swap window pushed FCNR(B) dollar rates to 6–7.1% — tax-free, no rupee in the trade. Why it lands hardest for a UAE NRI, and the two catches.
Read the story →NRI Finance
The questions that kept me up after I left India: is the money safer in rupees or dollars, what does the taxman in each country actually want, and am I quietly losing to the exchange rate every year? I dig up the real answers, keep the maths in plain sight, and leave the deciding to you.
Nothing else here yet — newest is up top.
Engineering Leadership
Twenty years of leading engineering teams, mostly in banks, taught me that the hard part is rarely the code. This is where I write about the people part — plainly, and including the calls I got wrong.
Nothing else here yet — newest is up top.
Building with AI
Most of what I build starts with me being too lazy to do something twice. I make small AI tools to take the friction out of my own days, and when one turns out genuinely useful I clean it up and share it here — with the full story of how it came together and what it taught me.
Nothing else here yet — newest is up top.