If you both live in India, you would not qualify to file in California until one of you has resided here for 6 months. Citizenship is not relevant to this. You may have rights under Indian law.
The above is general legal and business analysis. It is not "legal advice" but analysis, and different lawyers may analyse this matter differently, especially if there are additional facts not reflected in the question. I am not your attorney until retained by a written retainer agreement signed by both of us. I am only licensed in California. See also avvo.com terms and conditions item 9, incorporated as if it was reprinted here.
It's not clear to me why you think you can't withdraw funds from joint accounts. You can.
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I agree with counsel about the fact that in general if you are a joint account holder you have the right to withdraw money. In your question, you imply you can withdraw money for some things but not other things like child's education. If your concern is needing to access money in joint accounts here in the US based upon information provided it certainly appears you do have the right to withdraw. If you have other information that might help us in guiding please feel free to post it in the comments section below. Good luck.
Please note that this answer does not constitute legal advice, and should not be relied on, as each situation is fact specific, and it is not possible to evaluate a legal problem without a comprehensive consultation and review of all the facts and court pleadings filed in the case. This answer does not create an attorney-client relationship.
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