Guides for NRIs moving back to India
Short, plain-language guides to the decisions most families face when they return, wherever they're coming from.
Money, banking and tax
NRE vs NRO vs FCNR
Which account suits your money, how to open one, and what happens when you move back.
Moving your money to India
Bank transfers vs transfer services, exchange rates, large transfers and tax.
Investing in India after you move back
Updating your accounts from NRI to resident, where to invest, and the tax.
Your first year of taxes back
Your status, what India taxes, filing, and closing your taxes abroad.
Retirement
FIRE for NRIs
Retiring early in India: how much you need, the styles of FIRE, and the strategies that matter.
Your 401(k) and IRA after you move
Keep, roll over or cash out, how both countries tax it, and when to withdraw.
Family and home
Health insurance after you move back
How much cover, waiting periods, cover for parents, and when to buy.
CBSE, ICSE or IB: choosing a school
How the boards differ in style, fees and entrance exams, and which suits your child.
Buy straight away or rent first?
The costs and risks of each, and which suits your move.
Choosing a city
The main cities compared on costs, jobs, schools, healthcare and climate.
Caring for ageing parents
Health cover, care at home, senior living, money and paperwork.
Paperwork and work
OCI, citizenship and documents
Passports, OCI cards, your residence abroad, and the papers to carry.
Working after you move back
A job in India, a transfer, remote work or freelancing, and the tax.
Wills across two countries
Wills, nominations and inheritance for assets in India and abroad.