The Complete Moving-Back-to-India Checklist
A step-by-step timeline for NRIs relocating to India permanently.
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No spam β just this checklist and occasional updates when NRI rules change.
This isn't a list to complete in one sitting β it's organized by when each step matters, starting up to a year before your move and running through your first year back. Work through each section as you reach that stage. Items marked π° are decisions with real money attached β don't rush those.
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π PHASE 1 β 6 to 12 Months Before You Move
Tax & residency planning
Assets & investments abroad
Documents to start gathering
π PHASE 2 β 3 to 6 Months Before You Move
Banking
Remittances
Insurance
Housing & logistics
π PHASE 3 β 1 Month Before You Move
π PHASE 4 β First 30 Days in India
π PHASE 5 β First 90 Days in India
π PHASE 6 β Within Your First Year
Quick-Reference: The 5 Decisions That Matter Most
If you only act on five things from this entire checklist, make it these:
- Know your RNOR window before you land, not after.
- Don't touch foreign retirement accounts without country-specific tax advice first.
- Convert your NRE/NRO accounts β don't let this quietly lapse into a compliance issue.
- Buy Indian health insurance in week one, not month six.
- Talk to a CA before your RNOR status expires, while you can still act on the plan.
This checklist is a planning aid, not tax or legal advice. Rules referenced here (RNOR thresholds, FEMA account conversion requirements, disclosure obligations) change with Indian Budget cycles β verify specifics with a qualified CA before acting.
For the full explanation behind any step above, visit the complete relocation guide.