Returning NRI
Returning to India: plan your tax and money before you land
Reviewed October 2026 by Sumit Kumar, Chartered Accountant
The date you return matters. It can decide how much of your foreign income and assets become taxable in India. With a little planning, most returning families can avoid unpleasant surprises and use the transition period well.
Prefer a set time? Book a consultation · Mon–Sat, 10am–7pm IST
Who this is for
Is this your situation?
- You are planning to return to India permanently or for several years.
- You hold foreign shares, property, pensions or retirement funds.
- You want to know what to do with your overseas accounts.
Common mistakes
Where people go wrong
- Returning on the wrong date without testing the effect on residential status.
- Not disclosing foreign assets once you become resident.
- Selling or closing foreign accounts too late or too early.
What we handle
What we take off your plate
One accountant who is also a registered migration agent, so your tax, your residency and your move are looked at together.
- 01
Return-date planning
How timing affects your status and tax.
- 02
Foreign assets
Disclosure and treatment of overseas holdings and pensions.
- 03
Account changes
Moving from NRE and NRO to resident accounts.
- 04
Exit from host country
Tax clearance and final returns abroad, working with your adviser there.
How it works
What happens, step by step
Everything is done online, so where you live makes no difference. We work with clients across many countries.
Step 1
Plan the date
Pick a timeline with the best tax result.
Step 2
Map your assets
Everything you own, in both countries.
Step 3
Restructure
Make changes before the move.
Step 4
Settle in
Reclassify accounts and start filing as a resident.
Documents
What to have ready
Not everything is needed on day one. Send what you have and we will tell you what is missing.
- Foreign account and investment statements
- Pension and retirement fund documents
- Employment and residence records
Why a Chartered Accountant who is also a migration agent
Tax residency and immigration status affect each other. A move, a visa or a return date can change what India taxes. Sumit Kumar is a Chartered Accountant and a Registered Migration Agent (MARN 1803385) who has lived as a migrant himself, so both sides are considered in one conversation.
Enquiry
Tell us where you stand
Where you live, what you own in India and what you want to achieve. That is enough to begin.
Prefer a set time? Book a consultation · Mon–Sat, 10am–7pm IST
FAQs
Questions we get asked
When should I start planning?
Do I have to report foreign assets in India?
What happens to my foreign pension?
Can I keep my NRE account?
Get a clear view of your position
Send your situation and we will tell you where you stand, what is due and what it will cost, before you commit.