Tax

If you are moving back to India from the US and you have flexibility on dates, land in India between 2 October and 30 January. That gives you the longest stretch where neither India nor the US taxes your US capital gains. Use that stretch to sell and rebuy your US stocks and reset your cost basis. Done right, this can save you million.

And at some point during your move, you'll face the same question every returning Indian professional faces: withdraw it now, or leave it invested and deal with it later?

A sailing permit is purely an IRS sign-off that says you have squared away your US tax liability before a long-term or permanent departure. If you are a green card holder, an H-1B worker, or anyone else classified as a US tax resident and you are planning to leave the US for good (or for a long stretch), the law technically requires you to get this clearance before you go.

For serious investors, the difference between US ETFs, Irish ETFs, Gift City is a huge mistake that becomes irreversible. Each holds essentially the same stocks; what differs is the wrapper, and the wrapper drives your tax, cost, convenience and estate planning outcome.

This note covers three such instruments. From safest to riskiest: BOXX, FCNR(B) deposits, and STRC (plus two more low risk dollar options, US Treasuries and municipal bonds).

If you are a Non Resident Indian sitting on US dollars, the last few days have changed the math on where you park them. The Reserve Bank of India opened a special foreign currency swap window for banks, and within 48 hours Indian banks repriced their FCNR deposits sharply higher. USD deposits that paid 3.5% a week ago are now fetching 6% to over 7%, completely free of currency risk and free of tax in India. Here is the full picture and how to act on it. Contents: Latest FCN

This article walks through the slab structure, deductions, surcharge mechanics, and worked examples at different salary levels. A break-even section then quantifies exactly how many deductions you need in the Old Regime to outperform the New Regime at each income level.

When you are a UK non-resident and an Indian RNOR at the same time, you can sell appreciated shares free of capital gains tax in both countries, repurchase them immediately, and lock in a higher cost base for the future.

Sell your Indian mutual funds before losing your UAE residency to book the tax free profits. Immediately reinvest the money back into the same funds. Your new "purchase price" is now the current market value.

This comprehensive guide breaks down the mechanics of harvesting, the updated tax slabs, and the critical edge cases and cross-border pitfalls where investors can stumble.

Here is a comprehensive guide to understanding the taxability of your Traditional and Roth retirement accounts, as well as your HSA, in India. We also provide strategies for returning Indians on what to do with their 401K/ IRA/ HSA accounts.

When you hit that sweet spot where you are an RNOR in India and an NRA in the US, you have a brief window where neither country wants to tax your capital gains.