Moving from Greece to India: EFKA + AFM Exit
Greek DOY non-residency, EFKA insurance export, AMKA cancel, and India Schedule FA for retained assets.
The 60-second version
Greek exit requires notifying tax office (DOY) of address change abroad and exporting EFKA stamps for pension continuity proof.
DOY notification prevents ghost residency
Greece taxes worldwide income if I remain tax resident — I file DOY address change to India before departure.
EFKA (formerly IKA) contribution history supports future pension — export insurance clearance certificate.
AMKA health number deactivates on employment end — keep PDF for records.
Southern Europe: Italy guide and Spain guide.
Greece lanes after departure
| Item | Greece | India |
|---|---|---|
| Salary | Withholding ends | Tax from residency |
| EFKA pension | Frozen accrual | Taxable on receipt |
| AMKA health | Deactivated | India policy |
| Greek bank | Close or dormant | Schedule FA |
| Golden visa property | Can retain | FEMA + Schedule FA |
Greece exit sequence
DOY address change
File non-residency with India address.
EFKA clearance
Insurance record printout.
Employer clearance
Final payroll + holiday bonus.
Bank closure
National Bank / Piraeus — wire to NRE.
India RNOR
Schedule FA for any retained Greek assets.
Exit flow
Greece export kit
- DOY certificate.
- EFKA PDF.
- Final payslips.
- AMKA deactivation.
- Bank closure.
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14-month salary bonus
Greek private sector often pays split bonus — declare in India receipt year.
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What to watch in real discussions
Search community threads for the exact phrase, then treat repeated complaints as risk signals rather than official advice.
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Partial-year Greek return?
Yes if Greek-source income in departure year.
Keep Greek bank?
Non-resident accounts limited — closure simpler.
Golden visa after leave?
Property visa separate from tax residency — consult lawyer.
RNOR on Greek pension?
Foreign pension may be exempt in RNOR years.
EU health card?
EHIC invalid once AMKA deactivated.
Remote work for Greek firm?
PE risk — employer reassesses Greek withholding.
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.