Tool 09 · Returning to India

Moving back? Here is your full transition plan.

Your tax status, bank accounts, and financial life all change the day you return. Get a personalised checklist of exactly what to do — in the right order.

Your return profile

How many years have you been an NRI in total?

When are you planning to return?

Tick everything you currently hold — checklist personalises around your assets.

Your status
ROR — Resident and Ordinarily Resident

With fewer than 9 NRI years, you become a full tax resident (ROR) on return. All worldwide income — India and abroad — is taxable in India from that financial year.

✅ Stays tax-free in India
  • • DTAA Foreign Tax Credit
  • • Sec 54EC / 54F reinvestment exemptions
  • • Form 67 for FTC claims
⚠️ Now taxable in India
  • • Foreign salary / business — worldwide
  • • Foreign bank interest / dividends
  • • All Indian income
📌
Important: As ROR, your entire worldwide income is taxable in India. Use DTAA provisions to avoid paying tax twice. File Form 67 with your ITR to claim credit for foreign taxes paid.
⏰ Within 30 days of return
  • 📊
    Inform all Indian banks of your status change
    Within 30 days
🗓 Ongoing after return
  • 📅
    File India ITR every year
    Every year by 31 July
  • 💳
    Update PAN and Aadhaar details
    On return
We Can Help

Returning to India is a once-in-a-lifetime restructuring opportunity

Status transition, account conversion, Schedule FA filings, RFC opening — we sequence and execute it all in the right order.

Plan My Return
Covers:RNORAccount ConversionSchedule FARFC
No guesswork

From estimate to execution.

Estimates get you ready. A specialist makes it real, with the filings, certificates and bank coordination handled in-house.