I am planning to return to India
Coordinate the move across tax, banking, documents and family needs.
Source snapshot: 5 September 2026. Check current requirements with the issuing authority.
Understand the issue
The move date affects more than travel. Tax-year analysis and bank/FEMA status need separate attention, alongside insurance, residence documents and practical family arrangements.
Prepare your next steps
Describe the intended move
Record the planned date, employment or retirement position, and whether the stay is temporary or open-ended.
Prepare a tax transition review
Map travel history, income sources, asset disposals and reporting in both countries.
Speak to each financial institution
Ask what account, KYC, nomination and investment changes apply to your circumstances.
Plan healthcare and family arrangements
Check insurance, prescriptions with the treating clinician, schooling and document needs before the move.
Keep a transition record
Retain the written advice, notifications, effective dates and the tasks still open.
Documents to prepare
- Move timeline and travel history
- Income, assets and account list
- Citizenship and family documents
- Insurance and practical transition list
Questions for your adviser
- Which status changes on which date, and under which law?
- Do I qualify for RNOR, and what does that mean for my income?
- What actions should happen before I leave my current country?
Watch for
Do not assume a single “NRI until 182 days” rule governs banks, tax and immigration alike.
Who can help
A cross-border CA, your banks and relevant immigration authorities.
Original sources
- Income Tax Department: Non-resident tax FAQs
Residency exceptions, RNOR and the transition between the 1961 and 2025 Acts.
- Reserve Bank of India: Accounts in India by non-residents
NRE, NRO and foreign-currency accounts; changes when residency changes.
- Ministry of External Affairs: Find your Indian embassy or consulate
Find the mission responsible for your place of residence and its current instructions.
General information only. Verify your circumstances and current rules with the relevant authority and a qualified professional before acting.
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