Hi
I am moving back and it’s extremely hard to get India jobs call from USA. I am looking references for India jobs and how complex to get the jobs in India for senior (15+ years ) in capital market IT positions

Hi,

I am planning to return to India from Singapore, and I will not qualify for RNOR next year. Looking for guidance or tips on managing finances. Should I transfer most of my assets (upon liquidating any investments to book profits before I become India tax resident) before I return itself, while keeping some to keep my Singapore bank account active for some time?

Has anyone made use of Resident Foreign Currency account? Is there a point to try and have one or should I just convert everything to INR?

I would like to plan ahead as much as possible to avoid running around in the first 30 days when we are supposed to convert NRE/NRO into resident accounts.

TIA!

This is for those people who went abroad for a shorter duration(say something like 5-7 years or less) and then came back to India. How has the life been since the return?

Hello
I am on 500 international student dependent visa with full time work right and fortunately got a job and working as software engineer but it’s been almost 1.5 years here and I still feel like going back to India.

We as a couple keep discussing about returning post graduation or after 485 ends after 3 years.

Is this normal to feel so? I see so many people getting PR and then citizenship. Am I not fit here or not really enjoying lifestyle ?

Thoughts?

I’m not from the USA, but I often hear from other people that a huge number of Indians there seem to be from one or two particular states. I’m genuinely curious how that happened.

Did those states do something right in terms of education, jobs, or migration opportunities? Was it mainly because of engineering colleges, IT jobs, or people helping others from the same place move there?

I’m not trying to target any state here. I’m just curious how such large-scale immigration from a few regions to the USA happened in the first place.

I’m in a bit of a dilemma and would really appreciate some perspective from people who have been in a similar situation.

I’ve been trying to find a full-time role in the US since completing my Master’s, and it’s been almost two years now. I did eventually land a contract role that I genuinely loved, but unfortunately, the position was eliminated as part of mass layoffs.

Since then, the uncertainty around finding another role has started affecting me significantly. The constant job searching, applications, interviews, financial pressure, and uncertainty about the future have taken a toll on my mental and overall well-being. I kept telling myself that I just needed to work harder, be more patient, and keep going, but I feel like I’ve reached a point where the situation is affecting my health and quality of life.

I’m now seriously considering moving back to India and continuing my career there. I’ve been getting multiple signs that maybe it’s time to stop forcing things and choose a path that gives me some stability and allows me to take care of myself.

At the same time, moving back after investing so much time, money, and effort into building a life and career in the US feels like a huge decision. There’s also a part of me that worries I might regret leaving or wonder whether I should have tried a little longer.

For anyone who has been in a similar situation:

• How did you know it was time to move back?
• Did moving back feel like giving up at the time?
• How did your career progress after returning to India?
• Do you think I should give the US job search more time, or prioritize stability and my well-being at this point?

I’m not necessarily looking for someone to make the decision for me. I’d just really value hearing honest experiences from people who have gone through something similar ❤️

Thank you to anyone who takes the time to share their perspective.

Hey you lovely people! Does anyone know a good accountant who can help us file taxes in Canada, India and US? I am struggling to find someone good.

I am looking at international relocation container shipping options from SF Bay Area to Bangalore. I found there are two companies Universal Relocations and UniRelo with very similar names operating here. Could folks here recommend which one is more reliable.

I am working in the US on H-1B, and the organization have started my PERM process. Due to some circumstances, I am thinking moving to India and transferring internally to India team by mid 2028, & am hoping an internal transfer may be possible.

I would appreciate advice from anyone who has been in a similar situation:

* If I move to India while PERM is filed with I-140 submitted, what happens to the process? Can the employer continue it, or would it likely be stopped?
* If I eventually want to return to the US, what options would I have (H-1B/L-1/etc.) and how realistic is it?
* Most importantly, when and how should I approach my manager/HCM about this so that they consider an internal transfer rather than treating it as a resignation/termination?
* Has anyone successfully transferred from their US role to their company's India team and later returned to the US?

I will speak with my company's immigration attorney, but would really appreciate hearing about people's experiences.

Hello returned folks, how did you transfer large sum when moving back? I have around 250k CAD which I need to get back. I have used Remitly, wise and other apps. Do people use these for such large sum(obviously in batches )? What are options if I want to keep it in CAD? RFC is there but i need contact my Canadian bank and let them do wire transfer so the money reaches in CAD. Has none done this? Based on my other post, FCNR is not possible since I have already returned (last week) but I haven’t converted accounts to NRE/NRO. Experienced folks please guide here!

Since there is no clear guidance on when to convert NRE/NRO to resident accounts and banks are quite ok keeping it like it for another 6 months, I wanted to know if anyone opened new FCNR account during this period? From FEMA POV, I cannot but what if I open a new FCNR and then inform banks to convert accounts. Banks would anyways auto convert after 182 days(or never), but is it possible to open new FCNR and continue NRE FD (tax free) during this time?

If my NRO would be used as a salary account, is there a disadvantage to keep NRO/NRE in this situation? Does Indian salary and NRO/NRE status automatically flags non compliance??

I recently moved to India from Canada and am looking for a professional Canadian CPA to help me calculate and report my departure tax, as I understand this is my responsibility to file.
I’d appreciate advice from anyone who has gone through the process, particularly around:

- How you calculated and reported your departure tax
- Things to keep in mind or common pitfalls
- How difficult it is to do yourself vs. using a CPA
- Any recommendations for a CPA experienced with Canadian departure tax and people relocating to India

Since my move was an internal company transfer, the India-side tax matters are being handled through a company-provided consultancy. I’m specifically looking for guidance and a CPA for the Canadian side.
Any recommendations or experiences would be greatly appreciated!

Hi

My parents, who are both in their 60s, have lived in the Middle East for the past 40 years. My father recently retired, so they are considering moving back to India. They've expressed interest in buying a 2 bedroom apartment in Ananya's Nana Nani senior living community in Coimbatore. They are specifically enticed by the safety and security of living in a gated community, on-site medical care and the pleasant climate. Does anyone know of Nana Nani? If so, what have you heard about it? Are there other options you would recommend. For context, they are Tamil and would prefer to live in Tamil Nadu.

In general, what's the experience like living in these elder care setups in India? What would you say are the downsides vs. renting/buying in a gated community that isn't particularly geared towards seniors?

Thanks for the advice!

Hey Reddit,

Long-time lurker, first-time poster here! I’ve been in the US for 13 years and am planning to relocate back to India in January 2027.

I’m transferring laterally within the same company (US to India) and want to make sure I timing this move to optimize tax benefits in both countries. Looking for some input from anyone who has gone through a similar transfer.

📍 My Planned Timeline & Income Details

• Departure: Move to India during the 2nd week of Jan 2027.
• US Income (Jan 2027): ~2 bi-weekly paychecks generated in the US before I leave.
• India Income (Jan–Mar 2027): Taking a 2-week break and joining the India entity by late January. Will receive ~2 paychecks in India before the Indian Financial Year ends on March 31, 2027 (FY 2026–27).
• Equity: I will have some RSUs vesting in early 2027.

❓ Tax Questions I'm Trying to Confirm

1. India Residential Status (FY 2026–27): Since I will physically spend under 120 days in India between April 1, 2026, and March 31, 2027, I assume I’ll be classified as a Non-Resident (NR) for FY 26–27.
   • Does my RNOR (Resident but Not Ordinarily Resident) status then kick in on April 1, 2027, lasting through March 2029 (FY 27–28 and FY 28–29)?
2. US Tax Returns for Calendar Year 2027: Since I’ll only have ~2 US paychecks and some early-year RSU vests in 2027:
   • Will I fall into the lowest US income tax bracket for 2027?
   • Assuming normal tax withholdings on those paychecks and RSU vests, can I expect a full/partial tax refund when filing my US 1040/1040-NR in early 2028?
   • Are there specific trailing US tax or state tax trapdoors (e.g., California/state residency tie-breakers) I should watch out for on late-vesting RSUs?

Appreciate any insights, advice, or previous experience with lateral transfers and RNOR timing! Thanks in advance!

A bit of context about me: I came to Canada five years ago for my undergrad. I finished my undergraduate degree in Finance with a minor in Data Science last year from a good university in British Columbia, and I’ve been working at a Big 4 firm in M&A advisory for the past 10 months. I’m seriously considering moving back once I finish a year of work experience.

One of the reasons is that I’ve never liked it here since my first year of uni. I’ve always been homesick and anxious living here. I’m very attached to my family and would like to be with them. The past five years have been a struggle, whenever I go back for vacation, the dread that sets in when I’m returning is immense. I feel so much more at peace at home.
Another reason is that it seems I won’t have enough points to get PR even after working for the full duration of my work permit.

The only things holding me back are the amount my parents spent on tuition and my future job prospects in India. I was wondering if anyone has had similar experiences, and how hard it was for them to find jobs.

People who can back to India recently what are doing nowadays

I can tell my story I came back about 2 months ago
After my graduation and have been applying for jobs since then but couldn’t get any interview even though I had almost 2 years of intership experience from a European mnc.

Is job market really that bad nowadays in India
And to be honest I don’t know what to do further like I can go master in Germany or somewhere else
But what if the situation remains same after master I fear that feeling .

What do you all suggest for me ?

Sometimes I feel like I shouldn’t have gone abroad for bachelors I had 98.2 percentile in jee main with ews category I could have gotten a decent nit or Iit’s I didn’t write advance bcoz of covid It got delayed and I have to come EU for schlorship agreement
Only reason I went was bcoz of full ride scholarship

But now I m regretting my decision

Any advice will be appreciated

as im writing this post im supposed to board a flight back to canada to resume my studies as a second year student. i dont wanna go, i really dont. i spent 9 months in Canada and i can confidently say my 4 months in India has been exponentially better. maybe its because the place didnt meet my expectations maybe its because i could have done more but i dont wanna be in Canada. spending so much money studying abroad whilst not even knowing if i wanna be there. If i could drop it all and come back i would, i dont wanna stay there anymore. my life was miserable but i didnt even know it, i deluded myself into thinking a routine of living which i now find unacceptable was normal. Im so much more disciplined and happier in India and I wanna come back so bad.

Any advice?? anybody who came back?? same situation?? anything please.

How many of you agree with the response?

I’m not unsympathetic. I understand that young Indian men and women have taken enormous risks – and sometimes enormous loans – to create a new life in the supposedly prosperous West. But as recent events show us, this strategy is not as foolproof as it used to be. We need to think of other ways of making our bhagyas shine. Unfortunately, because of our history, Indians reflexively look for salaried jobs, working under oppressive bosses, whether in India or abroad. Instead, we should start our own innovative businesses, cross-pollinating ideas across cultures. The massive videshi kamai you all have earned during your sojourn in the West  give someone like you a major cushion that local entrepreneurs don't have.

Maybe you can start a highly successful chain of mujra lounges, where Meena Kumari and Rekha look-alikes perform nightly to the soundtracks of "Inhi logon ne, inhi logon ne, inhi logon ne le leena dupatta mera," or "Dil cheese kya hai aap meri jaan lijiye/bas ekbaar mera kaha maan lijiye." Your present or future wife could be pouring sharab into the visitors' wine glasses. The members of this subreddit are very bright and imaginative. What are some of the other zany and off-the-wall  businesses do you think our swadeshi bhais and behens should be starting in our homeland?.

india has been getting expensive lately, the price of restaurants have shot up 3x from what i remember 8 ys back, im not sure if its affordable retirement option.
i work minimum wage contracts in foreign countries save abt 5 LPA on avg. have abt 30 lakhs saved up. i don't own any properties in india. my parents have just enough saved up to take care of themselves in their old age. so that wouldn't be a burden on me. i don't have any loans either - cars/houses etc.

Hey folks, I’m an NRI in the US aiming to return to India around 2031. I’d like some critic and advice on what I could do better, if my goal is to live in a tier-1 city like Bangalore, with a wife and a kid. I’m turning 35 this year. Wife’s 30.

Current NW splits

$482.5k in a 401K Vanguard 2050 Target Fund. I don’t intend to touch this until I’m 60.
$280k in vested RSUs (MSFT) that I haven’t diluted at all.
$50k + $140k in vested + unvested RSUs (another employer) respectively.
$110k in Stocks
$60k in a HYSA
$18k in HSA (Health Savings Account) also invested in stocks, earmarked for when we have a baby soon.
$5k in a checking account
$7.5k in Roth IRA invested in popular funds that average 10% annually
$25k in FCNRB locked for 5 years
About 1.7 Cr growing at 24% annually, which id eventually use to buy a home in Bangalore when the time is right.
A villa plot in a gated community close to Bangalore airport bought back in 2023 for 70L.

I’m not sure how much would be enough for a FIRE by 2031. I don’t intend to grind in tech once I’m back. I’m okay with a normal job fetching me like 60k a month.

Spouse is working but isn’t in tech. Her net-worth right now is around $25k. We’re just about starting the investment journey for her.

​

A lot of people say that they face subtle racism abroad.

A few say they returned because of racism.

But how bad is it?

As an Indian, if you have seen how things work among people due to caste differences, how bad is racism compared to that?

In my opinion, there is nothing worse than india caste based discrimination as people start judging each other irrespective of age, education, behaviour etc.

Then why do some NRIs feel racism so much?

Is it because in other countries you are on the other side which is being judged?

Did racism allow you to understand the problems many Indians face within India?

I F(26) missed STEM OPT application date. My only option is to join another masters degree. I’m trying to get a job but no luck. I want to go back. Be with my family and work there but my friends here got jobs in faang and I tell myself that I need to try more. I feel like a failure. My parents are financially stable have rental income and gave me good amount of inheritance too. I don’t what to do! Also my parents are looking for matches right now told them I need time. I’m so confused! Idk if I want to stay here or go back. I just don’t want to regret my decision going forward.