NRI Tax services

Moving Back to India NRI Tax & Asset Guide

IRS reporting for Indian assets

Returning to India for Good

Your financial playbook for moving back without tax traps or compliance headaches.

Then plans start at $199

What nobody tells you about moving back

You're excited to go home. But your money isn't packed yet.

The U.S. doesn't just let you leave – exit tax applies to some long-term green card holders
Your 401(k) is a problem in India. India taxes foreign retirement accounts differently
Your green card has a hidden expiration – you may still owe U.S. taxes until you formally renounce
India's residency clock starts ticking the day you land – after 182 days, you're an Indian tax resident

We help you restructure before you move. Not after.

What's Included

Return timeline planning
Exit tax analysis
401(k) / IRA strategy
Home sale planning
Account conversion guidance
India tax residency briefing
FEMA compliance checklist
Free first consultation 45 min pre-move planning

Estimated Time

3–4 weeks

Docs Needed

5+ documents

Areas covered

Exit Tax, FEMA, 401(k), Home Sale

Starting price

$199 (after free consult)

Documents Checklist

The Hard Way

Our Way

Move first, then figure out taxes later

Plan before you pack – restructure assets while still U.S.-resident

Get surprised by exit tax on green card

Know your exposure 6 months before filing I-407

Withdraw 401(k) and get hit by both countries

Will isn't enough – need trust for asset protection

Lose primary residence exclusion on home sale

Time the sale to qualify for $250k/$500k exclusion

Become Indian resident with U.S.-style investments

Convert or reposition assets before the 182-day clock starts

Last 2–3 years U.S. tax returns (Form 1040)
W-2s and 1099s (income statements)
401(k) / IRA / Pension statements (current balances)
Brokerage account statements (stocks, ETFs, mutual funds)
Home purchase and mortgage documents (if selling)
Green card (if applicable) – issue date matters for exit tax
Indian PAN card (if you have one)
NRE / NRO account statements
Projected move date (even tentative helps)
Expected income sources after moving
W-8BEN (if already filed)

Why timing matters more than you think:

The best time to plan your return is 6–12 months before you move. That gives you room to sell assets in the right tax year, time your green card surrender, restructure investments for Indian tax efficiency, and avoid becoming a "tax resident of nowhere." If you're moving in less than 3 months – contact us anyway. We can still help, but some options may be limited.

Service Highlights

The 182-day rule that changes everything:

India considers you a resident for tax purposes if you spend 182 days or more in a financial year (April–March). The day you land starts the clock. We help you plan your move date and asset transfers around this deadline.

Free consult (45 min) : Map your assets, timeline, and goals. You tell us where you want to live. We tell you what needs to move, sell, or restructure.
Document collection : Share tax returns, account statements, property docs, and your intended move date.
Exit analysisw : Calculate if you trigger U.S. exit tax (green card holders only). Model 401(k)/IRA withdrawal scenarios.
India residency briefing : Explain what changes after day 182 in India – tax rates, reporting, and treaty benefits.
Action plan delivery : Receive a written roadmap: what to do before leaving, what to do after arriving, and what to file with whom.
Filing support : Help with final U.S. return (if needed) and first India return (if needed).

⏱ Typical timeline : 3–4 weeks from consult to full plan.

Enquire About Moving Back to India

Pricing

First consultation free — then choose the plan that fits

Essential Plan

$199.00

For returning NRIs with straightforward assets

Comprehensive Plan

$399.00

For those with 401(k), home sale, or complex investments

Green Card Exit Plan

$599.00

For long-term green card holders (8+ years) planning renunciation

All plans include free consult, document review, and written action plan delivered within 3-4 weeks.

Common Questions

Frequently Asked Questions

Find answers to commonly asked questions about our services and how we can help you with your NRI financial needs.

Is the first consultation really free? Any hidden fees?

Yes, absolutely free. You’ll speak with a specialist who understands India-US tax rules. We’ll review your assets, explain FBAR/FATCA/PFIC requirements, and provide next steps. No billing unless you decide to engage us for filing.

I already pay tax in India. Do I still need to file in the U.S.?

Yes. The U.S. taxes worldwide income. You can claim Foreign Tax Credits (Form 1116) to avoid double taxation on the same income we explain this during the free consult.

My NRE account interest is tax-free in India. Is it taxable in the U.S.?

Yes. NRE interest is taxable by the IRS and must be reported on FBAR & FATCA. However, you might use treaty positions for certain relief; we guide you.

What exactly is PFIC and why does it matter?

Most Indian mutual funds, ETFs, and ULIPs are PFICs. IRS rules require Form 8621, and without proper elections, you could face harsh taxation + interest. We handle the complex filing and recommend strategies.

I haven't filed previous years. Can I just start now?

Quiet disclosure is risky. We help evaluate eligibility for Streamlined Domestic Offshore Procedures (SDOP) or delinquent submission procedures to minimize penalties discussed in your free consult.

Do I need to file PFIC for every mutual fund?

Generally, each fund requires a separate Form 8621. We help aggregate where possible and use Mark-to-Market election to simplify ongoing compliance. We’ll map this during your complimentary session.