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⭐ READ THIS FIRST · Guide 03 · RNOR + investing

The RNOR window — two years to set up your India finances right.

Resident but Not Ordinarily Resident (RNOR) status gives you a tax shield on foreign income for up to two years after landing. Most returnees waste it. This guide covers investment account setup, SIPs, the National Pension System, and what NOT to rush into during this window.

12 min read · RNOR tax shield · equities · mutual funds · NPS · direct equity
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Phase 03 · long-term

Three things that determine whether the move sticks.

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Guide 01 · Schools
Schools for kids raised abroad

India's school system is different — boards, rote learning, competitive admissions. For kids raised on IB or GCSE, the adjustment can be rough. This guide covers which boards to consider, how admissions actually work, and whether an international school makes sense for your situation.

Schools guide →
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Guide 02 · Healthcare
Building your India health cover

Your international health policy lapses the moment you become a resident. India's private healthcare is genuinely excellent and a fraction of Western costs — but you need the right insurer, the right sum insured, and a trusted specialist network before you need them.

Healthcare guide →
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Guide 03 · RNOR + Investing
RNOR window + investing in India

The RNOR (Resident but Not Ordinarily Resident) window lasts up to two years. During it, foreign income stays exempt from Indian tax. It is also the right time to open your demat account, start SIPs, and set up the National Pension System — before you're a full Resident.

Investing guide →