Guide
Tax and money in India for NRIs: what to keep in order
What NRIs should keep in order in India: PAN status, income tax returns, old provident fund, bank KYC and sending money abroad.
Updated 30 October 2026
Most NRI money problems in India come from out-of-date records: a PAN still marked resident, bank KYC that has lapsed, an old EPF account nobody claimed, or rent with too much TDS deducted. Fix the records first, file a return when you have Indian income, and use Forms 15CA and 15CB to move money abroad.
What to do
- Check your PAN shows you as non-resident and is not inoperative.
- Update KYC on your NRE and NRO accounts.
- File an Indian tax return if you have Indian income, or TDS to claim back.
- Claim your old EPF if you have left Indian employment.
- Send money abroad from your NRO account with Forms 15CA and 15CB.