Moving from Finland to India: Kela + TyEL Exit
Finland tax residency exit: Vero non-residency, Kela cancellation, TyEL pension export, and India RNOR landing.
The 60-second version
Finnish exit starts at DVV permanent move registration. Export TyEL occupational pension and Kela coverage proof before cancelling Finnish bank direct debits.
DVV move abroad is the anchor
I register permanent move abroad at DVV before leaving Finland. Vero uses this date to end unlimited tax liability.
Kela health and social security ends on employment termination — keep cancellation letter for insurance porting in India.
TyEL employer pension statement proves accrual — download from pension insurer (Ilmarinen, Varma, etc.).
Nordic: Sweden guide.
Finland lanes after departure
| Item | Finland | India |
|---|---|---|
| Salary | Withholding ends | Tax from residency |
| TyEL pension | Frozen accrual | Taxable on receipt |
| Kela | Cancelled | India health policy |
| Finnish bank | Close or non-resident | Schedule FA |
| ASOP / shares | Can hold | Schedule FA + CG |
Finland exit sequence
DVV move notification
Register permanent address in India.
Vero non-residency
Confirm tax residency change online.
TyEL export
Pension insurer career statement PDF.
Kela + bank
Cancel coverage; wire balance to NRE.
India RNOR
Map landing FY + Schedule FA.
Exit flow
Finland export kit
- DVV certificate.
- TyEL PDF.
- Final payslips.
- Kela letter.
- Bank closure.
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Holiday pay on exit
Unused holiday compensation paid on termination — India tax in receipt year.
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Partial-year Finnish return?
Yes if Finnish-source income in departure year.
Keep Finnish bank?
Some banks require closure for non-residents.
Aalto/tech stock options?
Finnish withholding on exercise — Form 67 for credits.
RNOR on pension?
Foreign pension may be exempt in RNOR years.
Winter relocation timing?
Tax year is calendar — plan December departures carefully.
Schengen return visits?
OCI handles India entry — Finland visa separate.
Your country's rules are the starting point, not the finish line.
Tax exits, pension continuity, banking notifications — the India side has its own rules too. Get both sides clear.