Moving back to India without strategic planning triggers massive tax exposure on US 401(k), RSUs, overseas mutual funds, and ₹10 Lakh fines under the Black Money Act. Book a 1-on-1 session with our senior NRI tax specialist to structure your transition.
Under Section 6(6), returning NRIs enjoy RNOR status:
A personalized 45-minute video consultation + complete written PDF transition roadmap tailored to your country of return.
We calculate your exact physical arrival date so you secure 2 to 3 full financial years of RNOR status under Section 6(6), maximizing your tax-free foreign window.
Clear roadmap on when to sell foreign equities, vested RSUs, and ETFs to pay zero capital gains tax in India before turning Ordinary Resident (ROR).
Cross-border analysis on US 401(k), Roth IRA, UK SIPP, or Singapore CPF, utilizing Section 89A and DTAA treaties to avoid punishing double taxation.
Full audit-proofing of retained foreign assets under Schedule FA to completely eliminate the risk of the ₹10 Lakh penalty when turning ROR in Year 4.
See how our CA desk structured the cross-border relocation of a software director from Seattle to India, legally shielding over $600,000 in global assets from Indian taxation.
Our relocation roadmaps are engineered strictly under statutory sections of Indian tax law.
An individual is RNOR if non-resident in 9 out of 10 prior previous years OR in India for ≤ 729 days in 7 preceding years. Foreign income is 100% exempt from Indian tax.
Allows deferral of Indian taxation on income from notified foreign retirement funds (US 401k/IRA, UK SIPP, Canada RRSP) until actual distribution, via Form 10-EE.
Mandatory reporting of foreign bank accounts, shares, and trusts in Indian ITR upon becoming ROR. Omission attracts a flat ₹10,00,000 penalty. RNOR is fully exempt.
Returning NRIs can hold USD, GBP, or EUR indefinitely in Indian Resident Foreign Currency accounts with full repatriation rights and tax-exempt interest during RNOR.
Timing your relocation flight, structuring stock vesting dates, and verifying foreign bank account balances.
Re-designating NRE/NRO to Resident accounts or opening an RFC (Resident Foreign Currency) account to preserve USD/GBP funds.
Liquidating foreign mutual funds and stock gains tax-free in India while keeping foreign funds safely repatriable.
Clean, audit-proof Indian ITR-2/ITR-3 filing with full disclosure of retained overseas assets without penal scrutiny.
Get direct access to our senior cross-border tax Chartered Accountant.
Beyond returning to India planning, our licensed Chartered Accountants provide dedicated support for real estate sales, marine tax returns, and outward forex remittances.