What's the financial checklist for moving back to India after years in the US?

Start months ahead. Key steps: decide what to do with your 401(k)/IRA (leave invested, roll over, or take a taxed distribution); update every U.S. account to your overseas address and file Form W-8BEN; settle or transfer your credit cards and keep one open if possible to preserve U.S. credit; sell or rent any U.S. property and understand FIRPTA withholding on a sale; close out HSA/FSA balances sensibly; and plan the timing of your final-year U.S. tax return (you may be a dual-status filer). On the India side, your residency status (RNOR vs. resident) affects how your foreign income and assets are taxed, so time your move with that in mind. Use a cross-border checklist. See wealthserene.com/for/nri-returning-to-india.