You check your Indian portfolio and see double-digit returns. The Nifty 50 is up, your mutual funds show impressive growth, and your investment advisor congratulates you on a stellar year. Yet when you convert those rupees back to dollars, pounds, or dirhams, the excitement evaporates. Your purchasing power hasn’t grown nearly as much as those percentage gains suggested. If this scenario feels familiar, you’re experiencing the hidden wealth erosion that affects thousands of NRIs despite India’s