MOVING BACK? 401(K) 2 Cr Tax

What actually happens to your 401(k) when you return to India from the US? If you're on H-1B and planning your move back, this video breaks down how a US retirement account turns into a cross-border tax problem — and why the "safe" choice of leaving it untouched can be the most expensive one on the table. Using a real case study, we walk through five ways to handle your 401(k) before and after moving back to India: leaving it untouched, withdrawing before you leave, withdrawing during your RNOR window, drifting into full Indian tax residency by accident, and converting to a Roth — plus the SEPP (Rule 72(t)) route. You'll learn about the US estate tax exposure non-resident aliens face, how the RNOR window actually works, what changed with Section 158 and Form 40 under the new Income-tax Act, and how to move your money home without losing your dollar exposure through RFC accounts and Irish-domiciled ETFs. This is for H-1B holders, NRIs, and anyone planning a return to India who wants to understand 401(k) taxation, RNOR planning, and NRI tax strategy before making a decision that's hard to undo. Chapters: 0:00 Intro — the ₹2 crore mistake 1:20 Who's behind this (quick credibility) 1:28 What a 401(k) actually is 2:04 Meet Ankit — the case study 2:27 The 3 things that decide your answer 4:09 Option 1: Leave it untouched 6:15 Option 2: Withdraw before you leave 7:03 Option 3: Withdraw during RNOR 7:46 Meet Divya — the contrast case 8:45 Where the money goes next (RFC, Irish ETFs, GIFT City) 9:34 Who should skip all of this 10:06 Option 4: Drifting into ROR by accident 12:00 Option 5: Roth conversion 12:49 Rule 72(t) / SEPP 13:39 Before you board that flight — checklist If this helped, subscribe for more on making NRI finances simple — and drop your RNOR timeline question in the comments, I read every one. 1 on 1 Consultation : https://spf.bio/1:1Consultation. ______________________________________________________________ FinNiki NRI Podcast Guest Application I'm launching a special podcast series for NRIs where we discuss real-life money, tax, investment, estate planning, and relocation challenges faced by people like you. The idea is simple: you share your situation, and we work through possible solutions together in a candid conversation that could help thousands of other NRIs facing similar questions. No preparation needed. Just a genuine discussion and knowledge-sharing session. Would you be interested in being featured on the podcast? Link this link to register - it will take less than a minute - https://forms.gle/MWcarUG7Vw9iogaZ8 ______________________________________________________________ Make your Will: https://www.getyellow.in/legal-will (Use Code: FINNIKI for 20% discount) #NRItax #401k #ReturnToIndia #RNOR #H1B