Without Aadhaar and PAN, nothing financial in India works. Both have a specific sequence and timeline. Your driving licence doubles as a valid government ID while Aadhaar processes.
NRE and NRO accounts must be redesignated within 3 months of becoming a resident. But the timing matters — don't rush FD conversions. And you need a fresh resident savings account as your primary.
The instinct to buy immediately after returning is almost always wrong. Renting for 12–18 months lets you discover which neighbourhood actually suits your new life — before committing ₹3–10cr.
Your foreign health insurance lapses the day you become a tax resident. Get Indian cover before that — the waiting-period clock can sting if you skip months. And pick your hospital network by city, not brand.
The IB/IGCSE/CBSE choice depends on whether you might move again, not just on what's local. Admission timelines run 9–12 months ahead of the academic year — you may already be late by the time you land.
RNOR status lets foreign-source capital gains, dividends, and interest stay outside Indian tax for 2–3 years after return. Most returning NRIs don't realise it's a window. Sell appreciated US stocks during it.