Free 2026 Return-to-India Checklist PDF
The complete personal, financial, tax, 401(k), RNOR, property, repatriation, immigration, and first-90-days checklist for NRIs moving back to India — in one downloadable playbook.
Written by Deepak Middha, CA, Series 65 — 2026 Edition
Free 2026 Return-to-India PDF Checklist
Planning your move back to India?
Get the free 2026 Return-to-India Playbook — a complete personal, financial, tax, 401(k), RNOR, property, and repatriation checklist for NRIs.
- What to do 12 months, 6 months, 3 months, and 30 days before moving
- How to think about 401(k), IRA, HSA, brokerage, and U.S. bank accounts
- RNOR, FBAR/FATCA, DTAA, NRE/NRO, India property sale, and remittance checklist
- First 90 days in India setup list
20 chapters. 60+ decision points. 25+ linked calculators. Built for H-1B, L-1, green card, and U.S.-citizen families planning a move back to India.
Written by Deepak Middha, CA, Series 65 — 2026 Edition
What's inside the playbook
Twenty chapters and 60+ decision points, organized as a sequenced plan you can work through from a year out to your first weeks in India.
12-month countdown timeline
What to do 12 months, 6 months, 3 months, and 30 days before you fly — sequenced so nothing gets missed.
U.S. accounts playbook
401(k), IRA, HSA, brokerage, and U.S. bank accounts: keep, roll over, or close — and the tax cost of each.
Cross-border tax checklist
RNOR, FBAR/FATCA, DTAA, U.S. filing after you move, and how to avoid double taxation.
India banking & money movement
NRE/NRO accounts, India property sale, repatriation limits, and remittance/TCS on transfers.
Immigration & status
OCI, re-entry, and what your visa or green-card status means once you're living in India.
First 90 days in India
A setup list for banking, documents, tax registration, and settling in once you land.
Who it's for
- H-1B and L-1 workers weighing a move back
- Green-card holders planning to relinquish or keep status
- U.S. citizens of Indian origin relocating to India
- Anyone with a 401(k)/IRA and U.S. accounts to unwind
About the author
The playbook is written by Deepak Middha, CA, Series 65 — a chartered accountant and Series 65 investment adviser representative who works with NRIs on the cross-border money, tax, and retirement decisions that come with moving between the U.S. and India.
Educational information only. Not tax, legal, immigration, or investment advice.
Keep planning your move
Free calculators and guides that pair with the checklist.
Frequently asked questions
What is the Return-to-India Playbook?
It's a free 2026-edition PDF checklist for NRIs planning to move back to India. Across 20 chapters and 60+ decision points it walks through the personal, financial, tax, banking, 401(k), RNOR, property, repatriation, immigration, and first-90-days steps — with 25+ linked calculators to run your own numbers.
Who should download this checklist?
H-1B, L-1, green card, and U.S.-citizen families who are planning a move back to India — whether that's this year or several years out. It's built for people who want a single sequenced plan instead of piecing the move together from scattered forum threads.
Does the checklist cover 401(k), IRA, and HSA?
Yes. It covers what happens to your 401(k), IRA (Roth and traditional), HSA, brokerage, and U.S. bank accounts when you leave the U.S., along with the trade-offs of cashing out, rolling over, or leaving accounts in place.
Does it explain RNOR and Indian tax residency?
Yes. It explains Resident but Not Ordinarily Resident (RNOR) status, how long it typically lasts, and why timing your move around it can protect your U.S. income and gains from Indian tax for a window after you return.
Does it cover FBAR, FATCA, and U.S. tax filing after moving?
Yes. It includes an FBAR/FATCA and DTAA checklist, NRE/NRO account handling, India property sale and remittance/TCS considerations, and the U.S. filing obligations that continue after you move.
Is this tax or legal advice?
No. It is educational information only and should be verified with official sources and qualified professionals.
Free 2026 Return-to-India PDF Checklist
Planning your move back to India?
Get the free 2026 Return-to-India Playbook — a complete personal, financial, tax, 401(k), RNOR, property, and repatriation checklist for NRIs.
- What to do 12 months, 6 months, 3 months, and 30 days before moving
- How to think about 401(k), IRA, HSA, brokerage, and U.S. bank accounts
- RNOR, FBAR/FATCA, DTAA, NRE/NRO, India property sale, and remittance checklist
- First 90 days in India setup list
20 chapters. 60+ decision points. 25+ linked calculators. Built for H-1B, L-1, green card, and U.S.-citizen families planning a move back to India.
Written by Deepak Middha, CA, Series 65 — 2026 Edition
NRI to USA is owned by Wealth Building Academy LLC. Cross-border rules differ between the USA and India, vary by individual situation, and change over time. This checklist is educational information only — verify with official sources and qualified professionals before acting.