financial planning Articles
Explore our collection of 24 articles about returning to India in financial planning
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Explore our collection of 24 articles about returning to India in financial planning
Amisha and Rutvik spent three years planning their Canada to India move so carefully that a year after landing in Ahmedabad, neither has had a single regret. Learn their exit tax strategy, ₹75K-80K monthly budget, and debt-free lifestyle secrets.
DTAA is a powerful safety net—but it only works if you plan, document, and file correctly. Learn the two relief methods, required documents, and step-by-step checklist to avoid double taxation when you're an Indian tax resident with foreign income.
Planning to leave Canada and settle in India for good? What happens to your RRSP accounts? Do you cash them out, keep them, or convert them? Learn about 25% withholding tax, RRIF conversion for 15% treaty rate, and smart tax planning strategies.
Holding Bitcoin, Ethereum or any crypto and planning to return to India? Learn what changes legally, practically and tax-wise. 30% flat tax, 1% TDS, mandatory disclosure rules, and smart strategies for returning NRIs.
Can you keep your foreign bank account, property, and investments after returning to India? Yes! FEMA Section 6(4) allows you to retain foreign assets acquired during NRI status. Learn the complete rules, account conversion requirements, and tax compliance steps.
Santosh predicted Canada's housing and healthcare crisis 5 years ago. Now living in India, he shares financial planning for 3 scenarios (equity, underwater, break-even), real monthly expenses (₹1 lakh for family), and why CAD vs INR depreciation argument is flawed.
Moving back to India? RNOR status could save you thousands in taxes. This transitional status protects your foreign income from Indian taxation for 2-3 years. Learn how to qualify, maximize benefits, and avoid costly mistakes when returning home.
Moving to India from Canada? CRA doesn't say goodbye easily. Learn about the 7 major tax mistakes that could cost you thousands - exit tax, tax residency, RRSP/TFSA rules, and how to use the India-Canada tax treaty.
I've seen people who moved back with the best intentions but missed a few key steps — and it hurt them financially. Here are 5 common but avoidable NRI money mistakes that could save you lakhs.
After 20 years as an NRI and founding DIY Return, I share exactly how I would plan my finances if returning to India in 2025. From RNOR tax advantages to 401k strategies, HSA rules, and Social Security — this is the complete roadmap.
Moved to India but still own US property? Learn about FIRPTA's 15% withholding (even on losses), capital gains exemption rules, power of attorney requirements, and the complete roadmap to sell your US home while living in India.
You've saved $50,000 in the U.S. Do you convert everything to Rupees immediately? That's a currency gamble. An FCNR account lets you avoid that gamble entirely—your dollars stay dollars, earning interest, tax-free in India.
NRE, NRO, FCNR, and RFC accounts sound similar but serve very different purposes. Getting it wrong could lead to tax troubles or FEMA non-compliance. This guide covers NRE and NRO accounts in detail — features, benefits, pros, cons, and common mistakes.
Whether you're an NRI, OCI holder, or someone managing finances across borders, understanding money repatriation is crucial. Learn the RBI and FEMA rules, account types, tax implications, and step-by-step process to transfer money from India to abroad legally.
The whispers started circulating in early 2025: Are they removing RNOR status? Will NRIs earning ₹15 Lakhs in India be treated as residents? This guide addresses every fear and clarifies what actually changed.
Moving from a comfortable salary abroad to India comes with one paralyzing question: What is my experience actually worth here? This guide decodes salary conversion, CTC structures, and negotiation strategies.
Yes, you can receive U.S. Social Security retirement benefits while living in India if you've earned 40 credits. Complete guide to qualification, direct deposit setup, taxation, and managing your account from India.
Moving from abroad to India? Here's your complete financial checklist covering everything from freezing credit and managing bank accounts abroad to converting NRO/NRE accounts and getting health insurance in India.
Your 401(k) can either be a powerful long-term asset or a tax headache — it depends on how you handle it before you move. Discover the five most practical options for managing your U.S. retirement savings when returning to India.
Expert interview with Dr. Chandra Kant B from NRI Money Clinic, who has 30+ years experience helping NRIs from 60 countries. Comprehensive guide on RNOR status, FCNR accounts, 401k strategies, remittance rules, and health insurance planning.