Stage 3 · Returning to India

RNOR Optimizer

The 2–3 year RNOR window is where returning NRIs save or lose ₹5–15 lakh. Tell us a few numbers and we'll lay out the year-by-year moves, when to break FCNR, convert NRE to RFC, sell foreign holdings, and start Schedule FA.

Planned return date to India*

Day-level precision isn't needed — the RNOR rules pivot on the financial year.

How many years have you been an NRI?

Section 6(6)(a) RNOR test: non-resident in 9 of the prior 10 FYs.

Days in India across the prior 7 FYs (combined)

Section 6(6)(b) alternative RNOR test: ≤ 729 cumulative days in India across the 7 FYs preceding return. Add up short India trips during your NRI years.

FCNR balance (INR equiv.)

Foreign Currency Non-Resident deposit

₹

FCNR maturity (months from return)

When does the current FCNR mature?

NRE balance

Rupee-denominated NRE FDs/savings

₹

Foreign equity / 401(k) / super

INR equivalent of foreign brokerage + retirement accounts

₹

Annual foreign salary (post-return)

If you'll still be paid from abroad

₹

Annual foreign rental income

From overseas property you'll still own

₹

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Plan my returnRNOR help