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The Returning NRI Playbook

Planning the move from the UAE back to India in the right order: gratuity, RNOR, accounts, foreign assets, health cover, schools, and the first year home.

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2026 Current edition

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The Returning NRI Playbook: ebook cover

The Returning NRI Playbook

By Reejoys · RJ Tech House

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What this book is

The second volume of The UAE–India Money Playbook, for Indian families planning to return home. It sets out the order that a good return follows: checking the gratuity on your basic wage, closing UAE loans and leases with clearance letters, deciding what to keep in the UAE, understanding the RNOR years and how they differ from FEMA residency, redesignating NRE and NRO accounts, the RFC account, Schedule FA and foreign-asset disclosure, health insurance bought before you fly, the switch between school boards, and the first year back. Every rule is explained in plain language, points to its official source, and is worked through with illustrative numbers.

What you get

  • 103-page designed PDF, readable on phone, tablet, and print
  • 12 chapters across four parts, from deciding to the first year back
  • Gratuity, residential-status, and runway worksheets with worked examples
  • A month-by-month return countdown checklist and landing tracker
  • Clear explanations of RNOR, FEMA, RFC accounts, and Schedule FA
  • Glossary, plus research notes with official sources

How it is written

Educational only, not tax, legal, financial, immigration, or insurance advice. Indian and UAE rules change often, and India's Income-tax Act, 2025 took effect in April 2026. Every rule should be verified on the official portal or with a chartered accountant before you act. All money figures are illustrative.

Inside the book

  1. 01Introduction: The Second Big Move
Part I: Deciding and Planning
  1. 02Chapter 1: Should You Go Back? A Decision Without Regret
  2. 03Chapter 2: The Return Timeline, From Two Years Out to Landing
Part II: Leaving the UAE Cleanly
  1. 04Chapter 3: Gratuity, Final Settlement, and Savings Schemes
  2. 05Chapter 4: Closing Your UAE Life Without Loose Ends
  3. 06Chapter 5: What to Keep in the UAE, and Why
Part III: Tax, Accounts, and Assets in India
  1. 07Chapter 6: Your Residential Status After Return
  2. 08Chapter 7: Bank Accounts, FEMA, and the RFC Account
  3. 09Chapter 8: Foreign Assets, Disclosure, and Double Tax
  4. 10Chapter 9: Investments, Policies, and Paperwork Updates
Part IV: Building the Resident Life
  1. 11Chapter 10: Health Cover Before You Need It
  2. 12Chapter 11: Children, Schools, and the Education Switch
  3. 13Chapter 12: Home, Parents, and the First Year Back
Bonus and Reference
  1. 14Bonus Section: The Return Countdown and Worksheets
  2. 15Common Questions
  3. 16Glossary
  4. 17Research Notes and Sources
  5. 18Conclusion: Coming Home on Purpose
  6. 19About the Author
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