Return Planning & RNOROCI status, PAN/Aadhaar, NRE-NRO routing and FEMA compliance for everyday moves.
Returning NRIs get a Resident but Not Ordinarily Resident (RNOR) window of two to three financial years after landing. Foreign-source income stays outside Indian tax during RNOR. We time the return date, redesignate NRE/NRO/FCNR within 30 days, sequence RSU vesting, 401(k)/SIPP draws, and map the first-year Schedule FA.
Last reviewed: June 2026 · Updated for AY 2026-27
Regi Tom Antony, FCA — a practicing Chartered Accountant who advises NRIs, OCIs and returning founders on the same questions every week. Every page here is drawn from the book and live engagements, not stock copy.
Background reading Pair this engagement with the educational hub:
Return to India hub→Every deliverable, in writing.
Engagements end with a single document: your blueprint. It maps each action, the form it needs, the deadline, and who owns it.
- 01Pre-return wealth review and asset positioning
- 02Optimal year of return — day-count strategy
- 03Foreign retirement account handling (401k, IRA, ISA)
- 04ESOP and RSU vesting across the move
- 05Post-return compliance kit and Schedule FA roadmap
- 06Family / education / housing sequencing
Tell us the situation. We'll send back the next step.
Two sentences is plenty for the first reply. Direct, written, by Regi.
Answered, candidly.
- When exactly should I return to maximise RNOR?
- Short answer: depends on residency, corridor and timing. Long answer is in the engagement — book a call to walk it through.
- Do I have to pay Indian tax on my 401(k) withdrawals?
- Short answer: depends on residency, corridor and timing. Long answer is in the engagement — book a call to walk it through.
- How do unvested RSUs get taxed after I move?
- Short answer: depends on residency, corridor and timing. Long answer is in the engagement — book a call to walk it through.
- Should I sell my US house before or after I land?
- Short answer: depends on residency, corridor and timing. Long answer is in the engagement — book a call to walk it through.
Next: NRI Founders & Startups
Entity setup, FDI route, GIFT City, transfer pricing and Virtual CFO support.
NRI Taxation
Residency, ITR filing, TDS, DTAA, Schedule FA — for NRIs and OCIs based overseas.
Open →OCI / FEMA & Repatriation
RNOR window, the 182-day test, asset migration and the April 2026 deadline.
Open →Property & Inheritance
Property sale, lower-TDS certificate, capital gains and repatriation under FEMA.
Open →Ready to plan? Book a strategy call with Regi.
A 45-minute working session that ends with a written next-step plan.
The NRI Blueprint briefing.
One email a fortnight. Corridor updates, deadline alerts, and one written framework worth your inbox.