Question 1

How do I plan my return to India from the US?

Accepted Answer

Start planning 12+ months before your move. Key steps include: handling your 401k/IRA, understanding RNOR tax status, opening NRE/NRO accounts, researching schools for kids, and creating a timeline for logistics like shipping and housing.

Question 2

What is RNOR status and why does it matter for NRIs?

Accepted Answer

RNOR (Resident but Not Ordinarily Resident) is a special tax status in India that can help returning NRIs save on taxes for up to 3 years. During this period, your foreign income is not taxable in India.

Question 3

What should I do with my 401k when moving back to India?

Accepted Answer

You have several options: leave it in the US, roll it over to an IRA, or withdraw (with tax implications). The best choice depends on your age, tax situation, and financial goals. Consult a cross-border tax expert.

Question 4

Which schools are best for NRI children returning to India?

Accepted Answer

Popular options include CBSE, ICSE, IB, and IGCSE curriculum schools. IB and IGCSE offer international recognition, while CBSE and ICSE are well-suited for students planning to study in India long-term.

Desi Return Planner - Your Complete Guide to Moving Back to India

7-Phase Return Timeline

Key Topics Covered

For NRIs From