Return to India Planning for USA-based NRIs
Start your NRI relocation planning the right way with our expert cross-border advisors.
Moving back is a life decision.
The financial side is a minefield.
Your financial picture after returning to India depends on decisions you make before you leave. We help you see the whole picture.
10% early-withdrawal penalty plus 30% NRA withholding. That is the default, not the worst case. Most NRIs only find out after they have already moved.
India taxes global income for residents. Your Roth grows tax-free in the US but that benefit does not follow you back to India.
Your US CPA does not file Indian ITR. Your India CA does not know Form 5471 or FBAR. The expensive decisions fall right in that gap.
RNOR gives you 2-3 years where certain US income is not taxed in India. But only if you plan before you leave. Once it is gone, it is gone.
Most NRIs hold India mutual funds, often in parents names, without knowing they create a US PFIC filing obligation. The penalties are not small.
The departure month has passed. The RNOR window has started counting. The decisions you needed to make before leaving are already behind you.
Already relocated or still planning?
This is for you.
You have a 401(k), probably a Roth or IRA, and likely some India mutual funds or property. You know there is a lot to figure out but you are not sure where to start.
- Not sure which decisions need to happen before you leave versus after
- Worried about the 401(k) penalty and what to do with your US accounts
- Have questions about RNOR that generic advice does not answer
You left before getting proper advice. Now you have US accounts that still need filing from India, an India ITR with foreign income, and possibly obligations you did not know existed.
- US accounts still requiring FBAR and FATCA filings from India
- RNOR window may still be open for meaningful tax planning
- One team that handles both countries without you explaining your situation twice
There is a reason most of our clients wish they had found us sooner.
Most NRIs come to us after weeks of researching, speaking to their US CPA, maybe an India CA too. Each advisor only sees one side of the picture. We help you map your entire cross-border financial life.
- We model your 401(k) withdrawal scenarios before you decide on any of them
- One advisor who knows both US and India tax, not two who each know only one
- We tell you which decisions have to happen before you leave and in what order
- RNOR planning, PFIC compliance, and dual-country filing handled by the same team
We help you plan for every financial decision before you relocate.
We model the exact cost of different withdrawal approaches, including the 10% penalty, 30% NRA withholding, and how your exit year changes everything.
Your RNOR eligibility and how many years you qualify for is calculated upfront, so you know exactly how long the window is and when it closes.
Most NRIs do not know they lose the $13M estate tax exemption when they stop being US residents, leaving as little as $60k exposed at a 40% rate.
If you hold Indian mutual funds, even in your parents names, you likely have a US PFIC filing obligation. We identify, quantify, and resolve it.
The year you leave the US requires a dual-status return, one of the most complex US filing types. We prepare it as part of the engagement.
Your US FBAR and FATCA obligations continue after you leave. Your India ITR needs to account for foreign income. We manage both in one place.
Here is how we plan your NRI Relocation Journey.
Meet the experts
Every return planning engagement is led by a credentialed specialist with deep cross-border experience.
Ready to plan your move?
No paperwork at the start. No commitment. Just a structured conversation that gives you a clear picture of what needs to happen.
What clients say after working with us
We were moving back to Bangalore and had no idea there was a planning window we could use. The team laid out the next three years: what to do with our 401k, how to set up accounts, what to file. We went from overwhelmed to having an actual plan.
Kept thinking I had time to plan. The call made me realise some of those decisions had windows that were already closing. Got a clear roadmap and finally knew what to do first.
My US advisor had no idea where to start on the India side. For once I did not have to explain the basics from scratch. They just got it, both sides, without me having to repeat myself.
Nobody told me my Roth IRA would be taxed in India after I moved back. I always assumed tax free in the US meant tax free everywhere. That one conversation changed how I planned everything.
My CPA in the US and my CA in India were giving me completely different answers. For the first time someone actually sat with me and looked at both sides together. That was the difference.
Frequently asked questions
Questions we hear on every return planning call
Still have questions about your specific situation?
The free call is designed to answer exactly the questions that are keeping you up at night. Tell us what you have already figured out and what you are still unsure about — we will give you a straight answer.
Start your NRI relocation planning the right way.
The decisions you make before you leave will shape your financial life for years. Let us help you understand exactly where you stand and what needs to happen next.