Return to India planning
for US-based NRIs
Planning to move back to India — or already returned? Get a step-by-step action plan from an expert NRI financial advisor to manage your 401(k), Roth IRA, India mutual funds, property, RNOR status, and taxes in both countries.
Moving back is a life decision.
The financial side is a minefield.
You've thought about the flight, the house, the school. What most NRIs discover too late is what happens to their money.
Leave early in the year and your low US income lets you withdraw far more from your 401(k) at a lower rate.
India taxes the global income of its residents — the US tax-free treatment of your Roth does not follow you.
Your US CPA and India CA each handle their own side — the costliest decisions fall in the gap between them.
RNOR status can shield your US income from Indian tax for 2–3 years — but only if you plan around it before you leave.
Selling India mutual funds before vs. after the move changes the tax rate — and withholding and rupee depreciation erode property returns.
By then, some decisions cannot be undone. Plan early and you keep your options open.
Wherever you are in the process, we can help.
You're in tech, finance, or a related field. You have a 401(k), probably an IRA, possibly some Roth savings. India mutual funds still running on SIP. You may own a flat or land in India.
- Haven't made any financial decisions around the move yet
- Not sure what questions to ask or where to start
- The earlier you start, the more options you have
You moved back and now you're dealing with two sets of obligations at the same time. US accounts that need annual filings. You may not have known about Form 67 or the DTAA for claiming foreign tax credit.
- Still have US accounts requiring annual FBAR/FATCA filings
- Need to get into compliance on both sides
- RNOR window may still be active — act now
This is exactly the gap InvestMates was built to fill.
Most advisors handle one country. Your US CPA is trained for the IRS. Your India CA is trained for the Income Tax Department. Neither is trained for what happens in between.
- We look at your complete picture across both countries
- One coordinated plan — not two advisors giving contradictory advice
- A strategy built before the decisions are made, not a filing after the fact
- We cover every phase: last year in the US through your first years back in India
We cover every phase — from your last year in the US
to your first years back in India.
A clear sequence of financial decisions, mapped 1–3 years before you leave.
A 401(k) and IRA withdrawal strategy built around your exit year and India’s tax treatment.
We plan your withdrawals around RNOR status so foreign income stays protected for up to 3 years.
When to sell mutual funds, SIPs, or property — and in what order — for the lowest tax.
Dual status returns for your exit year — a complex filing we prepare regularly.
Form 1040-NR, FBAR, FATCA, Indian ITR, and DTAA credits — both sides, handled together.
There is a right order to do all of this.
Here is what it looks like.
Meet the experts
Every return planning engagement is led by a credentialed specialist with deep cross-border experience.
Here is how a return planning engagement works
Three steps from your first conversation to a plan that executes on both sides of the border.
What clients say after working with us
Frequently asked questions
Questions we hear on every return planning call
Need help planning your return to India?
Book a free call and get clear guidance on your exit timing, RNOR window, retirement accounts, and what to do with your India assets — both sides handled together.
Moving back to India is a big decision.
Make the financial side of it a clear one.
Your first call is free. No paperwork, no commitment, no pressure. Just a conversation with an advisor who understands both sides.