7 things I wish I knew before returning to India

You're finally moving back to India after years abroad. You've saved diligently, planned carefully, and think you're prepared.

Then you sell your US property three years after returning and suddenly face a ₹15 lakh tax bill that could have been ZERO if you'd sold it six months earlier. This isn't theoretical—it's what happened to someone who missed a critical tax window that most returning NRIs don't even know exists.

Seven years ago, I started planning my return to India and thought I had everything figured out. I was wrong. The rules change the moment you become a resident, and one wrong step can cost you lakhs in taxes, penalties, and conversion losses. After researching extensively and consulting multiple CAs, I discovered seven critical things that can legally save you lakhs, but only if you know them before you land.

This video isn't about whether you should return to India. It's about how to do it smartly if you've already decided. Because the difference between a well-planned return and a rushed one can literally cost you ₹10-20 lakhs or more.

7 Things You MUST Know Before Returning to India:
1. RNOR Status - Your Tax-Free Window
2. LRS limits & RFC Accounts
3. & withholding tax
4. Admin work & Account conversions
5. Property Decisions
6. Health Insurance
7. Social security & Financial planning

About NRI Shaala: Your trusted guide for navigating global Indian life. We provide real-world insights on visa guidance, investments, tax compliance, and maintaining your roots while building your future abroad.'

Disclaimer: This video is for educational purposes only. Tax laws, FEMA regulations, and residency rules are complex and change frequently. Individual situations vary based on country of residence, duration abroad, income sources, and specific circumstances. Always consult qualified fee-only chartered accountants, cross-border tax advisors, and FEMA specialists before making any financial decisions related to your return to India.

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