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 to open a resident savings account as your primary account.
The instinct to buy immediately after returning is almost always wrong. India's rental market has improved. Renting for 12–18 months lets you discover which neighbourhood actually suits your new life — before committing ₹3–10cr.