90-Day Landing Plan for Returning NRIs
Week-by-week admin: SIM, bank redesignation, school, RNOR sheet, ITR prep — printable checklist.
The 60-second version
Returning NRIs run parallel tracks — week 1 utilities and SIM, week 2 bank redesignation, week 4 school admission, week 8 tax prep, week 12 insurance port.
90-Day Landing Plan for Returning NRIs: Admin Order Week by Week 2026
Front-load SIM, bank, and rent — tax and brokerage wind-down abroad runs parallel, not sequential.
Deep dive: moving back checklist.
Verify current rules with official portals before filing.
Decision matrix
| Item | Portal/doc | Risk if skipped |
|---|---|---|
| Primary action | e-Filing portal | Missed deadline |
| Proof | PDF archive | Notice risk |
| Reconcile | AIS + 26AS | 143(1) mismatch |
| Residency | Section 6 sheet | Wrong tax rate |
Execution sequence
Week 1
SIM, rent token, basic utilities.
Week 2
Bank redesignation + PAN-Aadhaar.
Week 4
School admission + health insurance.
Week 8
RNOR sheet + advance tax estimate.
Week 12
ITR draft + foreign account FA review.
Flow
Document kit
- Portal login.
- PAN active.
- AIS PDF.
- 26AS PDF.
- CA review.
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First-year return
Residency flip in landing FY triggers most notices — reconcile AIS before submit.
Quick visual
Animated decision map
Community signal
What to watch in real discussions
Search community threads for the exact phrase, then treat repeated complaints as risk signals rather than official advice.
Open nofollow community search ->Interactive checkpoint
Turn this guide into a decision file
0 of 4 checked
RNOR year applies?
Many items tie to residency flip — use RNOR calculator worksheet first.
ITR-1 eligible?
Foreign income or FA usually needs ITR-2 or ITR-3.
Form 67 needed?
Yes if claiming DTAA credit on foreign tax paid.
Belated ITR?
See belated ITR Section 139(4) guide if July deadline missed.
26AS mismatch?
See 26AS vs AIS troubleshooting before revising.
CA required?
Recommended for first return after landing.
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.