Moving from Canada to India: Complete Relocation Guide 2026
Canada to India move: CRA departure, RRSP/TFSA, health card cancel, shipping, and India RNOR landing in one guide.
The 60-second version
Moving from Canada to India needs CRA non-resident election, RRSP/TFSA decision, provincial health card cancellation, and India RNOR banking — student and professional paths share same tax exit skeleton.
CRA departure date and India arrival date define dual-status year — file both sides
Moving from Canada to India requires severing residential ties: lease end, OHIP/MSP cancellation, bank redesignation, and final CRA return with departure date.
RRSP and TFSA treatment differs — RRSP can remain with withholding on withdrawal; TFSA contributions stop after non-residency.
Canada tax: moving back from Canada for province-specific exit detail.
Canada exit checklist
| Item | Deadline | Proof |
|---|---|---|
| CRA | Departure year return | T1 + date |
| Health card | Before leave | Cancellation letter |
| Bank | 30 days | Closure stmt |
| RRSP | Optional withdraw | T4RSP |
Relocation
CRA date
Set departure.
Health cancel
Provincial card.
Ship or sell
Furniture.
Fly India
OCI landing.
India setup
Bank + PAN.
Flow
Canada kit
- NOA copies.
- RRSP stmt.
- TFSA stmt.
- Health cancel.
- Bank closure.
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CPP/OAS
CPP contributions stop on non-residency — OAS may pay abroad if 20-year residency met; verify Service Canada before leave.
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vs Canada guide?
This is consolidated sequence; Canada country guide has deeper tax tables.
Student?
Student return guide for PGWP-specific path.
PR card?
Canadian PR expires if absent 5 years — does not affect OCI entry to India.
Property?
Retain Canadian rental — file T1158 and India Schedule FA for foreign property.
Shipping?
Canada-UK shipping guide for Toronto/Vancouver forwarder bands.
GST/HST?
Cancel GST registration if closing Canada business — separate from personal move.
The plan is only as good as the sequence.
Tax, banking, schools, shipping — they all have dependencies. A wrong order costs months and lakhs. Get it right.