US TSP After Moving to India
Federal TSP withdrawal, 10% early penalty, RNOR window, IRS withholding, and FBAR reporting.
The 60-second version
US federal employees' TSP behaves like 401(k) — returning NRIs plan separation withdrawal, early 10% penalty, RNOR exempt window, and FBAR on account balance.
US TSP (Thrift Savings Plan) After Moving to India: Withdrawal and Tax 2026
TSP post-separation: lump sum, monthly payments, or roll to IRA — each has different India RNOR timing.
Deep dive: 401(k) withdrawal guide.
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
Gather docs
Step 1 for us tsp thrift.
Portal login
Step 2 for us tsp thrift.
Download/review
Step 3 for us tsp thrift.
Reconcile AIS
Step 4 for us tsp thrift.
File ITR
Step 5 for us tsp thrift.
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.
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.