Coming home,
without the chaos.
Plan the move with a specialist, bring your dollars home at the right time, make the most of your RNOR years and close out US taxes cleanly.
NRIs moving back in the next 12 months · Families planning a return for school or parents · Anyone bringing savings back to India
Everything in the right order
Each step unlocks the next. You never repeat KYC, and the app always knows what comes next.
- 6–12 months before
Book a return-planning call
A free 30-minute session on RNOR status, 401(k) options and the best time to move USD. Advice, not sales.
Xpat Tax - Before you move
Move USD while you’re still an NRI
Transfer into NRE or FCNR so interest stays tax-free until your status changes. Up to $1M with enhanced verification.
Xpat Money - Moving month
Settle US accounts
Keep your Cash Plus Account open — it works from India. Decide what to do with brokerage, credit cards and your 401(k).
Xpat Wealth - After you land
Redesignate NRE → resident / RFC
We prepare the paperwork for your bank. FCNR deposits can run to maturity.
Xpat Money - Next tax season
Dual-status US return + RNOR ITR
Your final US return and your first Indian return as RNOR, filed together by one team.
Xpat Tax
Move your savings home
Zero fees, and the rate is locked before you send — into NRE or FCNR while you’re still an NRI.
New user rate•$1 = ₹96.20 ₹106.00
INRRecipient gets₹48,10,980.00SAMPLE RATEUsually arrives today · you get ₹81,453 more than a typical bank
Transfer nowQuestions people ask at this stage
Resident but Not Ordinarily Resident — a transition status for many returning NRIs that can last up to 2–3 years. During RNOR, most foreign income stays outside Indian tax.
It must be redesignated to a resident account or an RFC (Resident Foreign Currency) account after you return. We prepare the request for your bank.
Yes. Your Cash Plus Account stays open after you move, so you can receive US income and pay US bills from India.