r/NrisTaxproblems

I was NRI for 6 years and became RNOR in FY 2025–26 after moving back to India full-time. My FCNR deposits auto-renewed in April 2026 and May 2026 before I updated residency status with the bank. Can these renewed FCNRs continue till maturity? Also, am I likely still RNOR in FY 2026–27? I think am in the golden transition window. Any advice from returning NRIs? Am also getting checked with my CA but want to know others experiences

I used to work in China and have salary credited to my account in China merchant bank. After I quit the job, the final payment (including insurance, pf etc) settled to my china bank account after I returned to india, so i could not transfer the money to india before my return. As per the china bank I need to present in person to make overseas transaction. Now I can't travel to china due to visa unavailability. I can access my funds through bank app, which I can use it to transfer to local friends in china but not overseas. I have all the proofs of amount deposited to my account and salary slips with tax paid in china. I have chinese friends who can help me transfer to my india bank account (SBI). What is the remittance purpose we can mention to bank in india to receive from overseas friends? What are the options for me to receive funds without double taxation?

Hi all,

I moved back to India around mid-2025 after working in the U.S. for many years (H1B). I’ve filed my final U.S. taxes as a full-year resident (included India income) and now have no U.S. income going forward.

I’ll likely be in RNOR status in India for the next ~2–3 years.

I have ~$150k in a traditional 401(k)/rollover IRA and a small Roth IRA. I want to withdraw funds over the next few years in the most tax-efficient way.

Questions:

- Best strategy to withdraw (spread over years vs lump sum)?
- Ideal yearly withdrawal amount to minimize U.S. tax?
- Is the 10% early withdrawal penalty unavoidable?
- During RNOR, are these withdrawals taxed in India?
- Any key forms or compliance steps to submit?
- Roth conversion vs straight withdrawal — worth it?

Would appreciate insights from anyone who’s done this or tax pros here. Thanks!

Hey everyone,
I came across an update about NRI ITR filing for AY 2026–27 and wanted to confirm:

• NRIs can’t file ITR-1 (Sahaj)
• ITR-2 deadline: 31 July 2026
• ITR-3 & ITR-4: extended to 31 August 2026
• Audit cases: 31 October 2026
• Belated return: 31 December 2026
• Revised return: 31 March 2027

Also saw that late filing may lead to penalties and loss of carry-forward benefits.

Can someone confirm whether these deadlines/extensions have been officially announced?
And which ITR form are most NRIs here using (ITR-2 vs ITR-3)?

Thanks in advance!