The Complete Moving-Back-to-India Checklist

📅 PHASE 1 — 6 to 12 Months Before You Move

Tax & residency planning

Calculate your likely RNOR status and window using the RNOR calculator. This determines how many years your foreign income stays outside Indian tax.

If you have flexibility on your move date, discuss with a CA whether shifting it earlier/later in the financial year (April–March) changes your RNOR timeline favorably.

Request tax residency certificates and copies of your last 2–3 years of tax filings from your current country — you may need these later for DTAA claims.

Assets & investments abroad

List every foreign asset you hold: bank accounts, brokerage/stock accounts, retirement accounts (401k, pension, EPF-equivalent), property.

For each retirement account specifically, check the early withdrawal rules and penalties in that country — do not assume you can simply cash these out.

Decide, with professional advice, which investments to sell before your residency status changes vs. after — this single decision often has the largest tax impact of the entire move.

Documents to start gathering

Valid passport with all visa/entry/exit stamps

PAN card (apply now if you don't have one — this takes weeks, not days)

Foreign employment termination/relieving letters

Brokerage and retirement account statements (last 3 years)

Property ownership documents (foreign and Indian, if any)

📅 PHASE 2 — 3 to 6 Months Before You Move

Banking

Inform your Indian bank(s) of your upcoming change in residential status.

Ask specifically about your FCNR deposits — confirm whether they can run to maturity under RNOR status rather than being broken early.

Compare NRI-to-resident account conversion processes across banks if you're considering switching banks during the transition.

Remittances

If you're planning a large one-time transfer of savings, compare remittance/forex providers now — rates and fees vary enough to matter on large amounts, and comparing takes 15 minutes.

Avoid moving large sums in a rush right before departure — plan the transfer with enough lead time to shop rates properly.

Insurance

Start researching Indian health insurance policies now — pre-existing condition waiting periods mean earlier purchase = earlier full coverage. Compare health insurance for returning NRIs

Check whether any foreign life insurance policies remain serviceable from India.

Housing & logistics

Arrange interim or permanent housing in India.

If shipping vehicles/household goods, check current customs duty-free allowances.

Notify schools (if you have children) and begin admission processes — Indian school academic calendars don't align with many other countries.

📅 PHASE 3 — 1 Month Before You Move

Finalize which foreign accounts/investments you're liquidating before departure vs. keeping open.

Confirm your Indian address is updated wherever needed for KYC purposes.

Make copies (physical and digital) of every document listed in Phase 1 — store them somewhere accessible that isn't only in your checked luggage.

Cancel or transfer foreign utilities, subscriptions, and recurring payments tied to a foreign address you're leaving.

Inform your foreign bank(s) of your departure if you're keeping any accounts open there.

📅 PHASE 4 — First 30 Days in India

Formally notify your Indian bank of your changed residential status and begin NRE/NRO → resident account conversion.

Purchase Indian health insurance if not already done (don't let this slip past week one).

Register with a local physician/get a basic health check — useful for insurance and peace of mind.

Begin the process of reopening or upgrading your demat/broker account to resident status if you plan to invest.

Update your address on PAN, Aadhaar (if applicable), and any existing Indian accounts.

📅 PHASE 5 — First 90 Days in India

Schedule a session with a CA who specializes in NRI returns to confirm your actual RNOR status (not just the calculator estimate) and build a plan for your remaining RNOR window.

Review any mutual fund SIPs or existing Indian investments for tax-treatment changes now that your status has shifted.

Decide on a re-investment plan for repatriated savings — resist the urge to default into real estate purely out of familiarity. Compare investment options for returning NRIs

If you still hold foreign retirement accounts, confirm your withdrawal/repatriation plan with a cross-border tax advisor — timing errors here are expensive and hard to reverse.

📅 PHASE 6 — Within Your First Year

Track your remaining RNOR window (typically 2–3 financial years total) and plan any foreign asset sales to happen before it closes wherever tax-advantageous.

Once you transition out of RNOR into full resident status, ensure foreign bank accounts and assets are disclosed in your Indian tax return (Schedule FA) — this is mandatory and penalties for missing it are steep.

Revisit your insurance coverage (health and life) now that you have a full year of Indian cost-of-living data to plan against.

Do a full financial check-in: are your accounts fully converted, is your investment plan actually in motion, have you claimed any DTAA relief you're entitled to?