Tag
rnor
9 posts tagged rnor
- US Investing·
US stock investing for NRIs: the complete guide for 2026
The complete playbook for NRIs investing in US stocks — no LRS, no TCS, no Indian tax on gains while abroad. Covers tax treatment across UAE, Singapore, UK, US, Canada, and Germany; the RNOR window mechanics; US estate tax mitigation; pre-return restructuring; and platform guidance for every scenario.
- RSU Management·
RSU tax for NRI: what Indian tax do you actually owe?
NRIs working abroad generally owe zero Indian tax on US RSUs. Here is the Section 5 rule, Schedule FA disclosure, RNOR transition, and when Indian tax actually applies.
- US Investing·
RSU vesting during the year of return: the attribution rule, worked example, and documentation requirements
Complete guide to RSU vests that straddle US and India service periods during your year of return. The DTAA Article 16 attribution rule, days-in-India calculation, multiple worked scenarios, Form 12BA reconciliation, and documentation to defend the attribution position on audit.
- US Investing·
Selling US property as a returning NRI: FIRPTA withholding, dual capital gains, and the repatriation playbook
Complete guide to selling US real estate when you're an Indian resident. FIRPTA 15% withholding mechanics, Form 8288, IRS Form 1040-NR, US capital gains for non-residents, India Section 112 dual taxation, depreciation recapture, repatriation logistics, and RNOR-window planning.
- US Investing·
Getting married with US RSUs: joint ownership, gifting, and the clubbing-of-income trap
Complete guide to handling US RSUs and brokerage accounts when getting married as an Indian resident. Joint US brokerage accounts, spouse gifting mechanics, Section 64 clubbing rules, Schedule FA after marriage, HUF considerations, and the pre/post-marriage tax-planning window.
- US Investing·
What happens to your 401(k) and IRA when you return to India: the retirement account decision matrix
Complete guide to US retirement accounts for Indian residents post-return. Traditional 401(k), Traditional IRA, Roth IRA, Roth 401(k) mechanics, the unresolved Roth question for Indian tax, withdrawal strategies, Schedule FA disclosure, and the leave-roll-cash decision matrix.
- US Investing·
Becoming RNOR: the residency math, the 9-out-of-10 test, and how to maximize the window
Complete residency rules for returning NRIs. Section 6(1) basic test, Section 6(6) ROR/RNOR sub-classification, the 120-day high-income rule, deemed resident under 6(1A), day-count mechanics, edge cases, and multi-year planning for maximum RNOR window.
- US Investing·
Moving back to India with US RSUs: the complete returning NRI playbook
The 12-month playbook for moving back to India with US RSUs, brokerage accounts, retirement plans, and US property. RNOR window strategy, year-of-return tax filings, the asset-by-asset decisions you make once and live with for decades.
- US Investing·
RSU vesting while in US vs India: the residency rules that decide which country taxes you
Where you were physically located at vest decides the tax treatment. The Indian and US residency frameworks, the RNOR bridge year, and worked examples for each state transition an Indian tech worker hits.