Planning tool

Return-to-India Planner

Plan your return journey with a residency timeline, corpus target, compliance checklist, and repatriation guidance.

Timeline

Not set

Corpus Gap

Waiting for inputs

Residency

Not projected

Your Return Plan

Target Return Date

Target City in India

Target Monthly Expenses in India (₹)

Current Savings / Corpus Abroad (₹ equivalent)

Notes

Enable milestone reminders (90, 30, and 7 days before your target date)

Assumed Inflation Rate: 6%

2%Conservative12%

Expected Investment Return: 8%

2%Conservative15%

Action Items

Set a target return date to see timeline projections
Set target city and monthly expenses to compute required corpus
Link your Budget Planner to track monthly savings capacity

Return Checklist

Complete checklist — set a return date to filter to relevant tasks

3+ Years Before

0/5

1 Year Before

0/6

6 Months Before

0/6

Month of Return

0/6

FEMA Compliance on Return

Convert NRE/FCNR accounts to resident savings accounts within 60 days of return
NRO account can be continued as a resident account — inform your bank
Repatriation from NRO: up to $1M/year via Form 15CA/15CB (CA required)
Foreign assets must be disclosed in ITR Schedule FA from Year 1 as resident
FEMA violations attract up to 3× penalty — do NOT delay bank notifications

Transfer of Residence — Customs Benefit

Duty-free import allowance for household goods when permanently relocating to India.

3–12 months abroad

₹1,50,000 duty-free

1–2 years abroad

₹3,00,000 duty-free

2+ years abroad

₹7,50,000 duty-free

•Goods must arrive within 6 months of your arrival in India
•Used/personal articles only — new or unused items don't qualify
•Excludes: alcohol, tobacco, gold/silver, motor vehicles

See full customs guide →

* General guidance only — not legal or tax advice. Residency calculations use simplified rules. Consult a FEMA-qualified CA for your specific situation.

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