RRSP Withdrawal as Non-Resident After India Move
CRA Part XIII withholding on RRSP withdrawal after leaving Canada, India RNOR timing, Form 67, and treaty relief.
The 60-second version
RRSP withdrawal as non-resident after moving to India faces CRA Part XIII withholding — typically 25% unless treaty reduces; file India ITR with Form 67 and TRC for DTAA credit in RNOR or ROR year.
RRSP withdrawal after departure is a CRA non-resident event — withholding hits at source before India treaty relief is claimed
When you withdraw RRSP after becoming non-resident of Canada, CRA applies Part XIII withholding on the gross amount — financial institution remits before you receive net cash.
India tax on the same receipt depends on RNOR/ROR year — Form 67 plus TRC unlock DTAA Article relief if India also taxes the distribution.
Hold vs withdraw: Canada RRSP tax guide.
RRSP non-resident withdrawal
| Step | Canada | India |
|---|---|---|
| Notify bank | Non-resident T1 | Residency proof |
| Withhold | Part XIII 25% | Treaty rate if lower |
| Receive net | Wire to NRE/NRO | FEMA decl. |
| ITR | Nil if departed | Form 67 + Schedule FSI |
RRSP cash-out
Confirm non-resident
CRA departure.
Request withdrawal
Institution form.
Withholding cert
NR4 slip.
Wire to India
AD bank.
Form 67
FTC claim.
Flow
RRSP kit
- NR4.
- CRA departure.
- RRSP stmt.
- Treaty article.
- India bank FEMA.
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25% default
Institutions often withhold 25% on full lump sum — request treaty rate paperwork before transfer if eligible.
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vs RRSP guide?
Main guide compares keep vs withdraw; this page is non-resident lump-sum path.
TFSA same?
TFSA guide — withdrawal rules differ from RRSP.
CPP/OAS?
CPP OAS guide — pension continues abroad with different withholding.
RNOR year?
Withdrawing in RNOR may change India tax — model year before CRA form.
Student return?
Student Canada return guide if leaving after study without long RRSP history.
27 GSC impressions?
Targets RRSP non-resident withdrawal cluster for Canada returnees.
Your tax year is already running.
RNOR status, exit timing, and DTAA benefits all depend on decisions you make before you land. Don't guess.