India (IN)
India is the world's most populous nation and a fast-rising global power — a vibrant federal republic of extraordinary cultural, linguistic, and geographic diversity.
Capital: New Delhi
Region: Asia
Language: Hindi
Currency: INR (₹)
Cost of living: Very affordable (index 24)
Emergency: 112
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Time: 1–2 hours at police station (typically your landlord arranges) · Cost: Free (or nominal fee)
Documents needed:
- ✓ Passport
- ✓ Employment Visa
- ✓ FRRO registration certificate
- ✓ Rental agreement
- ✓ Employer letter
- ✓ Passport photographs
Tip: In Delhi: mandatory online tenant verification at delhipolice.nic.in. In Bengaluru: Bengaluru police tenant verification online. Your landlord must submit the verification — assist them by providing clear copies of all documents. If landlord refuses, the responsibility legally falls to you.
Local institution: Local Police Station
Time: 30 minutes online on FRRO portal · Cost: Free
Deadline: Within 14 days of any address change
Risk if missed: FRRO violation. Your registration certificate will show wrong address. Could cause issues with visa renewal if FRRO address doesn't match your stated address.
Documents needed:
- ✓ New rental agreement
- ✓ Passport
- ✓ Current FRRO registration certificate
Tip: Set a mental reminder whenever you move apartment — 14-day FRRO update is mandatory but commonly forgotten. Also update with: your employer HR, Income Tax Department (PAN address), bank, EPFO, and any investment accounts.
Local institution: FRRO — Foreigners Regional Registration Office
Time: 1–2 hours for university enrolment; 1–2 hours for FRRO registration · Cost: University registration fee: ₹5,000–25,000. FRRO: free.
Risk if missed: Cannot attend classes without enrolment. FRRO violation if not registered within 14 days.
Documents needed:
- ✓ Student Visa
- ✓ Admission letter from university
- ✓ Proof of accommodation (hostel or rental agreement)
- ✓ Passport photographs
- ✓ Bank statements (proof of funds)
- ✓ Health insurance certificate
Tip: International student offices at IITs, IIMs, Delhi University, and other major institutions have dedicated expat student support. Many universities assign student buddies to help navigate initial procedures.
Local institution: University International Students Office / FRRO
Time: 30–60 minutes online, plus 1–2 hours at FRRO office if required · Cost: Free (Employment Visa holders). Some visa categories may have a nominal fee.
Deadline: Within 14 days of arrival in India
Risk if missed: Serious immigration violation — fines, visa cancellation, possible deportation. All subsequent administrative tasks (PAN card, bank account, driving licence) require FRRO registration proof.
Documents needed:
- ✓ Passport
- ✓ Employment Visa
- ✓ Two passport photos
- ✓ Proof of address (rental agreement or employer-provided accommodation letter)
- ✓ Employment letter from Indian employer
- ✓ Application form (online at indianfrro.gov.in)
Tip: The online FRRO portal (indianfrro.gov.in) is the primary registration route. Your employer's HR should assist with this process. If your employer does not assist, contact an immigration lawyer. Keep multiple printed copies of the registration certificate.
Local institution: FRRO — Foreigners Regional Registration Office
Full task details are available in the Premium plan
Become a Supporter Time: 1–2 hours with CA; GST registration: 3–7 working days online · Cost: GST registration: free. CA fees: ₹5,000–20,000 for setup + monthly compliance
Risk if missed: Penalty for non-registration when mandatory: ₹10,000 or tax amount, whichever is higher.
Documents needed:
- ✓ PAN card
- ✓ Aadhaar or passport
- ✓ Bank account
- ✓ Business address proof
Tip: OCI holders can freelance freely. Non-OCI foreigners need appropriate work authorisation. The premium guide covers GST registration, invoice requirements, export of services (zero-rated GST), and presumptive tax scheme (44ADA — 50% of receipts assumed as profit).
Local institution: GST Portal / Chartered Accountant
Time: 15–30 minutes online. Processing: 15–20 working days. e-PAN available in 2–3 days. · Cost: ₹107 (domestic delivery) or ₹1,017 (international delivery)
Deadline: Apply as soon as you have FRRO registration — needed for salary, banking, and ITR
Risk if missed: Cannot receive salary through Indian payroll. Cannot open a bank account. Higher TDS rates (20%) on all income without PAN.
Documents needed:
- ✓ Passport (proof of identity and address)
- ✓ FRRO registration certificate
- ✓ Recent passport-sized photograph (digital for online)
- ✓ Employment contract or appointment letter
Tip: Apply on the NSDL (Protean) website for fastest processing. e-PAN (digital) is issued first — download it immediately. Physical PAN card follows by post. Your employer's HR likely has experience assisting with this. PAN is permanent — keep it for life.
Local institution: NSDL/Protean or UTI Infrastructure Technology
Time: 1–2 hours appointment; processing 1–2 weeks · Cost: Visa fee varies — typically ₹2,000–6,000
Deadline: At least 60 days before current visa expiry
Risk if missed: Working on expired visa is illegal. Risk of deportation. Must leave India and re-apply from home country.
Documents needed:
- ✓ Current passport with Employment Visa
- ✓ FRRO registration certificate
- ✓ Employer continuation letter on company letterhead
- ✓ Recent salary slips (3 months)
- ✓ PAN card
- ✓ Form C (from hotel if not at home) or form from employer
- ✓ Passport photographs
Tip: Set a calendar reminder 90 days before visa expiry. Your employer's HR handles most documentation. Book FRRO appointment as soon as renewal window opens. Some FRRO offices have significant backlogs — early booking is critical.
Local institution: FRRO — Foreigners Regional Registration Office
Time: 2–4 hours self-filing on income tax portal; 1–2 hours with CA · Cost: Free (self-filing). CA fee: ₹2,000–10,000 for individual return.
Deadline: July 31 of the Assessment Year (AY2026-27 = July 31, 2026 for FY2025-26)
Risk if missed: Late filing penalty: ₹5,000. Tax refunds not received. Employer cannot issue Form 16 without filing. Belated return allowed until December 31 with penalty.
Documents needed:
- ✓ Form 16 (from employer — issued by June 15)
- ✓ PAN card
- ✓ Bank account statements
- ✓ Investment/deduction proofs (if using Old Regime)
- ✓ FRRO registration details
Tip: Use the income tax e-filing portal (incometax.gov.in). Your employer's Form 16 is the primary document. Highly recommend using a CA for the first year — cross-border tax situations involving DTAA, foreign income, and FEMA can be complex.
Local institution: Income Tax Department / CA
Time: 30 minutes online at comparison sites · Cost: ₹2,000–8,000/year (third-party only); ₹8,000–40,000/year (comprehensive)
Risk if missed: Illegal — fine ₹2,000 or imprisonment. Personal liability for accident damages without insurance.
Documents needed:
- ✓ Vehicle registration certificate
- ✓ PAN card
- ✓ Identity proof
Tip: Compare at Policybazaar.com. Go Digit, Acko, and ICICI Lombard are strong for comprehensive plans. Add zero-depreciation rider for newer cars. No Claim Bonus (NCB) discount builds year-by-year.
Local institution: IRDAI-regulated insurance company
Time: 30 minutes at bank or petrol station · Cost: ₹100–500 for FASTag chip + minimum ₹200 recharge
Deadline: Mandatory before taking any vehicle on National Highways
Documents needed:
- ✓ Vehicle registration certificate
- ✓ Identity proof
Tip: Get FASTag from any major bank (HDFC, ICICI, SBI) — linked to your bank account for auto-debit. Or from NHAI official FASTag app. Top up when balance falls low — an SMS alert is sent. Vehicles without FASTag: double toll charged.
Time: 1–2 days for installation after purchase · Cost: ₹8,000–25,000 for purchase + ₹1,500–3,000/year maintenance
Deadline: Before first day of residence
Risk if missed: Drinking tap water causes gastroenteritis, typhoid, and other waterborne diseases. This is non-negotiable health protection.
Tip: Popular brands: Kent RO, Livpure, HUL Pureit, AO Smith. If the apartment already has a building-level water treatment (common in premium gated communities), a simpler UV purifier may suffice. Also purchase water bottles for travel and eating out.
Time: 30–60 minutes at telecom store. SIM active within 4–24 hours. · Cost: ₹10–50 for SIM. Monthly plan: ₹200–600 (unlimited calls + data).
Deadline: Day 1 or Day 2 — critical for OTPs and navigation
Risk if missed: Cannot receive OTPs for bank account setup, UPI, FRRO portal, or most Indian government services.
Documents needed:
- ✓ Passport
- ✓ Employment Visa
- ✓ FRRO registration certificate (or employer letter in first 14 days)
- ✓ Passport photograph
Tip: Jio stores are everywhere — extremely affordable plans (₹200–300/month for unlimited). Airtel slightly more expensive but premium quality. BSNL for government-focused connectivity. Your employer may have a corporate SIM arrangement.
Time: 1–3 hours to compare and apply · Cost: ₹40,000–2,00,000/year for individual international plan. Group employer plan: usually employer-paid.
Deadline: Before or immediately on arrival — you need coverage from day 1
Risk if missed: A single hospitalisation can cost ₹50,000–5,00,000 without insurance. Emergency surgery even more.
Documents needed:
- ✓ Passport
- ✓ Proof of employment
- ✓ Medical questionnaire (for individual plans)
Tip: Ask your employer about group health insurance limits first. If coverage < ₹10 lakh per person, get a top-up or super top-up plan. For comprehensive global coverage: Cigna Global, Aetna, AXA, Bupa. Indian top-up plans: Niva Bupa, Star Health, HDFC Ergo.
Time: 1–2 hours at branch. Account activated within 1–2 business days. · Cost: Free to open. Monthly Average Balance: ₹10,000 (HDFC regular) or ₹0 (salary account)
Deadline: Within first 2 weeks — salary cannot be received without an Indian bank account
Risk if missed: Salary paid via international wire is costly and inefficient. Cannot use UPI. Cannot pay rent via bank transfer.
Documents needed:
- ✓ Passport
- ✓ Employment Visa
- ✓ FRRO registration certificate
- ✓ PAN card (or PAN application acknowledgement)
- ✓ Employment letter
- ✓ Address proof (rental agreement)
- ✓ 2 passport photographs
- ✓ Photograph of your signature
Tip: Ask your employer if they have a tie-up with HDFC or ICICI for salary accounts — these often have zero minimum balance requirements. Visit the branch nearest to your workplace with all documents.
Local institution: HDFC Bank / ICICI Bank
Time: 30 minutes registration; first appointment 1 hour · Cost: ₹800–2,500 per consultation at private hospital
Documents needed:
- ✓ Child's passport
- ✓ Vaccination records from home country
- ✓ Health insurance card
Tip: India vaccination schedule includes additional vaccines for tropical diseases. Bring complete vaccination history from home country. Doctors at Apollo Children's, Fortis, and Manipal have extensive experience with expat family children.
Local institution: Paediatric Department / Child Specialist
Time: 2–4 weeks processing at Indian embassy · Cost: Visa fee: USD $80–150 (varies by nationality)
Documents needed:
- ✓ Sponsor's Employment Visa and FRRO registration
- ✓ Marriage certificate (apostilled)
- ✓ Birth certificate of children
- ✓ Sponsor's employment contract and salary proof
- ✓ Passport photographs
Tip: Dependent Visa (X Visa) holders cannot work in India. If spouse wants to work, they need their own Employment Visa with a separate job offer meeting salary requirements. OCI holders' family members can apply for OCI separately.
Local institution: Indian Embassy in home country / FRRO
Time: 1 hour for first vet visit · Cost: Consultation: ₹500–2,000. Annual vaccinations: ₹2,000–5,000. Monthly tick/flea prevention: ₹300–1,500.
Documents needed:
- ✓ Vaccination records from home country
- ✓ Microchip certificate
Tip: Pet stores: Heads Up For Tails, Petshoponline for quality food and supplies. Apollo Pets and large veterinary chains in major cities. Year-round tick prevention (Nexgard, Bravecto) non-negotiable in India — tick-borne diseases are prevalent.
Time: 1–2 hours to research and purchase · Cost: ₹5,000–30,000 for good air purifier. Running cost: ₹1,000–3,000/year (filter replacement).
Deadline: Before November if in Delhi
Risk if missed: Chronic respiratory issues, eye irritation, and systemic inflammation from PM2.5 exposure during Delhi winters. Children especially vulnerable.
Tip: Prioritise for Delhi/NCR, Kanpur, Lucknow, Patna. Brands: Xiaomi (affordable, large room), Dyson (premium), Philips, Blueair, Coway. Get AQI tracking app: SAFAR-Air or IQAir. Wear N95 masks on high-AQI days for outdoor activities.
Full task details are available in the Premium plan
Become a Supporter Time: 2–6 weeks for admission process. School visit + assessment + paperwork. · Cost: Registration: ₹10,000–1,00,000 (non-refundable). Annual fees: ₹5,00,000–25,00,000 (international). ₹50,000–3,00,000 (CBSE private).
Risk if missed: International schools have waitlists — early application critical. Academic year starts June in India.
Documents needed:
- ✓ Child's passport
- ✓ Birth certificate (original + translation if needed)
- ✓ Previous school records and transfer certificate
- ✓ Vaccination records
- ✓ Parent passport + FRRO registration
Tip: The premium guide lists recommended international schools by city with curriculum, fees, and admission process. Apply to multiple schools simultaneously — popular ones like AES Delhi and DAIS Mumbai have long waitlists.
Local institution: International School / CBSE / ICSE School
Time: 2–4 weeks for admission process · Cost: International school: ₹10,00,000–25,00,000/year. CBSE private: ₹1,00,000–4,00,000/year.
Documents needed:
- ✓ Birth certificate
- ✓ Previous school transcripts / mark sheets
- ✓ Transfer certificate
- ✓ Passport
- ✓ FRRO registration
Tip: IB schools: most portable qualification for expat teens. Cambridge IGCSE also excellent. Transition can be challenging — most good schools have buddy systems and EAL (English as Additional Language) support. Boarding school option (Kodaikanal International, Woodstock, Doon School) if on a 3+ year assignment.
Time: 20 minutes online · Cost: Free
Documents needed:
- ✓ UAN provided by employer
- ✓ PAN card
- ✓ Indian mobile number linked to Aadhaar (if available)
Tip: Check your first payslip — your UAN and EPF account number should appear. Activate at epfindia.gov.in. Download the UMANG app to view your EPF passbook anytime. Ensure your KYC (PAN + bank details) is verified in the member portal.
Local institution: EPFO — Employees' Provident Fund Organisation
Time: 1–2 hours · Cost: Free
Documents needed:
- ✓ Pension statements
- ✓ India address (FRRO registered address)
- ✓ Indian bank account details (if redirecting)
Tip: Check DTAA between India and your home country to understand where pension income is taxable. UK pension in India: taxable in UK. USA pension: taxable in USA under India-USA DTAA. Consult both countries' tax specialists.
Full task details are available in the Premium plan
Become a Supporter Time: Conversion: 1–2 RTO visits + 1–2 weeks processing · Cost: ₹200–500 RTO fee
Deadline: Within 1 year of arrival if you drive regularly
Risk if missed: Driving on expired IDP is illegal and invalidates motor insurance.
Documents needed:
- ✓ International Driving Permit (IDP)
- ✓ Home country driving licence
- ✓ Passport
- ✓ FRRO registration certificate
- ✓ Address proof
- ✓ Passport photographs
- ✓ Medical certificate (Form 1A)
Tip: The premium guide includes step-by-step RTO licence conversion, documents needed, and how to handle the driving test. Many expats use a professional driver (car + driver package) instead of driving themselves — consider this for Indian cities.
Local institution: RTO — Regional Transport Office
Time: 30–60 minutes at Aadhaar enrolment centre. Aadhaar arrives by post in 30–60 days. · Cost: Free
Documents needed:
- ✓ Passport
- ✓ FRRO registration certificate (proof of 182+ days residence)
- ✓ Rental agreement (address proof)
Tip: Find nearest Aadhaar enrolment centre at uidai.gov.in. Fingerprint and iris scan collected at enrolment — biometric. e-Aadhaar (digital) downloadable from UIDAI portal after generation. Physical card follows by post.
Local institution: UIDAI — Unique Identification Authority of India
Full task details are available in the Premium plan
Become a Supporter Time: 7–15 working days (online via MCA21) · Cost: ₹7,000–25,000 (government fees) + CA/CS professional fees ₹15,000–50,000
Documents needed:
- ✓ Passport of all foreign directors
- ✓ Indian director PAN and Aadhaar
- ✓ Proof of registered office address
- ✓ Memorandum and Articles of Association
- ✓ DSC for all directors
Tip: The premium guide covers: choosing between Pvt Ltd, LLP, Branch Office, and Liaison Office structures; FDI (Foreign Direct Investment) automatic vs government approval routes; GST registration for new companies; and first-year compliance requirements.
Local institution: Ministry of Corporate Affairs (MCA)
Time: 1–2 hours application; 45 days for recognition · Cost: Free
Documents needed:
- ✓ Pvt Ltd incorporation certificate
- ✓ Company PAN
- ✓ Business description (innovation and scalability)
Tip: Startup India recognition is free and provides significant tax benefits if your company qualifies (must be incorporated < 10 years, annual turnover < ₹100 crore, working towards innovation/IP). Apply early — benefits start from recognition date.
Local institution: DPIIT — Department for Promotion of Industry and Internal Trade
Time: 15 minutes to set up · Cost: Free
Documents needed:
- ✓ Indian bank account
- ✓ Indian SIM card (for OTP verification)
Tip: Download PhonePe or Google Pay (GPay) and link your Indian bank account. Set a 4-digit UPI PIN. IMPORTANT: You scan a QR code to SEND money (pay), not to receive. If anyone asks you to scan a QR to receive money — it is a scam.
Time: 1–2 hours at bank branch · Cost: Free (zero-balance student accounts at most banks)
Documents needed:
- ✓ Passport
- ✓ Student Visa
- ✓ University admission letter / student ID
- ✓ FRRO registration certificate
- ✓ University address or hostel address proof
Tip: SBI and HDFC both offer dedicated student accounts. Check if your university has a tie-up with a specific bank — can simplify the process.
Time: 30 minutes to order online; installation within 3–7 days · Cost: ₹500–1,500/month for 100–200 Mbps plans. No long-term contract required.
Documents needed:
- ✓ Address proof (rental agreement)
- ✓ Passport
- ✓ FRRO registration
Tip: JioFiber is cheapest and widely available. Airtel Xstream is most reliable. ACT Fibernet excellent in south India (Bengaluru, Hyderabad, Chennai). Order via respective company app or website.
Time: 1–2 weeks to find and interview · Cost: Part-time maid: ₹4,000–10,000/month. Driver: ₹15,000–25,000/month. Cook: ₹8,000–18,000/month.
Tip: Get references and verify identity (photo ID). Your building society/RWA may have a list of trusted domestic workers. Treat domestic employees with respect and dignity — it builds loyal, long-term relationships. Pay on time and give festival bonuses (Diwali bonus of 1 month pay is standard).
Time: 30 minutes to set up all apps · Cost: Free apps. Delivery fees: ₹20–80 per order. Subscription plans reduce fees.
Documents needed:
- ✓ Indian phone number or international number
Tip: Zomato Gold and Swiggy One subscriptions (₹200–400/month) provide free delivery and discounts. Blinkit is best for quick grocery top-ups. For premium groceries (imported items): BigBasket or Nature's Basket delivery.
Time: 15 minutes to join · Cost: Free basic membership. InterNations Ambassador Membership: USD $120/year.
Tip: InterNations events in Indian cities are well-attended. Also consider Hash House Harriers (HHH) running/walking social clubs — very popular expat institution globally with active India chapters. WhatsApp expat groups are often more active than formal organisations.
Time: 30 minutes to map the calendar · Cost: Free
Tip: Download an Indian Holiday Calendar app or add Indian public holidays to your Google Calendar. Book train and flight tickets months ahead during Diwali season (October/November) — they sell out very quickly. Many Indian companies also observe regional holidays — check your state's additional holidays.
Time: 20 minutes to set up · Cost: Free
Documents needed:
- ✓ Aadhaar (for full setup) or mobile number
Tip: Link Aadhaar to DigiLocker for automatic import of government-issued documents. Download the DigiLocker app (Android/iOS). Note: foreigners without Aadhaar can still use DigiLocker for uploading documents (not for Aadhaar-linked auto-import).
Local institution: UIDAI / Ministry of Electronics and IT
Time: 15 minutes to download and set up · Cost: Free
Documents needed:
- ✓ Indian mobile number
Tip: Download from Google Play or Apple App Store. Use UMANG to view EPF passbook, check Aadhaar details, access income tax services, and 200+ other government services from your phone.
Full task details are available in the Premium plan
Become a Supporter Time: 2–4 hours review; 1 hour with HR for clarifications · Cost: Free (or ₹5,000–20,000 if you engage a lawyer for review)
Documents needed:
- ✓ Employment contract
- ✓ Company HR policy documents
Tip: The premium guide covers: Indian employment contract red flags, understanding Indian payslip structure, EPF and gratuity calculations, notice period buyout norms, and what to negotiate. Watch for 2–3 year bonds with financial penalties (often unenforceable but distressing).
Time: 2–3 hours to set up profiles · Cost: Free (basic). Premium: ₹500–2,000/month for featured profile
Documents needed:
- ✓ Updated CV/Resume
- ✓ Professional photo
Tip: Indian CV norms: 2–4 pages typical; include photo (optional for IT, sometimes expected elsewhere); include date of birth. LinkedIn is more important for senior roles. Naukri dominates for mid-level IT and engineering. IIMjobs for MBA roles.
Time: 1–2 weeks to find and apply · Cost: ₹8,000–25,000/month for private nursery; ₹12,000–20,000/month for live-in nanny
Documents needed:
- ✓ Child's birth certificate
- ✓ Vaccination records
- ✓ Parent passport and address proof
Tip: Ask expat community and your building RWA for recommendations. A trusted nanny provides flexibility and personalised care. Indian nannies (ayahs) are experienced, warm, and highly affordable compared to Western rates.
Full task details are available in the Premium plan
Become a Supporter Time: 1–3 months for school selection and application; enrolment takes 2–4 weeks · Cost: School fee: ₹4,00,000–25,00,000/year; consultant: ₹25,000–75,000
Documents needed:
- ✓ Previous school records
- ✓ Language assessment results
- ✓ Medical/vaccination records
- ✓ Passport copies
- ✓ Reference letters from previous school
Tip: Apply to 3–5 schools simultaneously. Join expat parent Facebook groups (e.g., "Expats in Bangalore") for real feedback on schools. Check CBSE affiliation, NEASC/CIS accreditation for IB schools. Confirm that the curriculum aligns with your destination country's university requirements.
Local institution: CBSE / IB / Cambridge accredited schools
Full task details are available in the Premium plan
Become a Supporter Time: 2–3 hours for withdrawal application; 15–30 days processing · Cost: Free. TDS deducted if service < 5 years (30%).
Documents needed:
- ✓ UAN and EPF account details
- ✓ Bank account
- ✓ Passport copy
- ✓ Emigration proof (visa for your home country or OCI)
Tip: The premium guide covers EPF withdrawal on emigration: timing strategy, TDS avoidance, EPS withdrawal (if <10 years service), totalization agreement benefits, and FEMA compliance for sending EPF proceeds abroad.
Local institution: EPFO — Employees' Provident Fund Organisation
Full task details are available in the Premium plan
Become a Supporter Time: 1 hour online at enps.nsdl.com · Cost: No setup fee. Annual account maintenance: ₹500–600.
Documents needed:
- ✓ PAN card
- ✓ Aadhaar (or passport for foreigners)
- ✓ Bank account
Tip: The premium guide covers NPS Tier I and II, fund selection (equity vs debt vs government securities), employer NPS contribution optimisation, and premature exit rules for expats leaving India.
Local institution: NPS Trust / PFRDA
Time: 2 hours per year · Cost: Free
Tip: India financial year ends March 31 — January is a good time to plan final quarter actions: advance tax payment (due March 15), investment declarations to employer (for TDS adjustment), and checking visa validity for the coming year.
Full task details are available in the Premium plan
Become a Supporter Time: 2–4 hours initial planning session · Cost: ₹10,000–50,000 initial fee; AUM-based fees for ongoing management
Documents needed:
- ✓ Passport
- ✓ PAN Card
- ✓ NRE/NRO bank account details
- ✓ Tax residence certificate from home country
Tip: SEBI-registered investment advisers (RIA) are required for portfolio management advice. Check SEBI registration on sebi.gov.in before engaging any financial adviser. NRE fixed deposits offer excellent risk-adjusted returns — compare rates across HDFC, ICICI, Axis, SBI.
Time: 30 minutes to register; book first appointment · Cost: Free to register. Consultation: ₹500–2,000 (GP), ₹1,000–3,500 (specialist)
Documents needed:
- ✓ Passport
- ✓ Health insurance card
Tip: Ask colleagues or expat community for hospital/doctor recommendations specific to your city. Apollo, Fortis, Max, Manipal, Narayana Health all have English-speaking doctors. For 24/7 telemedicine: Apollo 24/7 app excellent.
Local institution: Apollo Hospitals / Fortis / Max Healthcare
Time: 1 hour at local chemist · Cost: ₹1,500–4,000 for complete kit
Tip: Essential kit: ORS sachets (Electral/Pedialyte — for dehydration, very common), paracetamol (Crocin/Dolo 650), antidiarrhoeal (loperamide), antacid (ENO/Digene), antiseptic (Betadine), thermometer, mosquito repellent (Odomos), malaria prophylaxis if in endemic area (consult doctor). Keep GP contact and nearest hospital number saved on phone.
Time: 1–3 weeks searching; 1 week for paperwork · Cost: Deposit: 2–10 months rent (city-dependent; Bengaluru 10 months standard). Broker fee: 1 month rent.
Documents needed:
- ✓ Passport
- ✓ Employment Visa
- ✓ FRRO registration certificate
- ✓ Employment letter
- ✓ Company ID
- ✓ 3 months salary slips (if available)
Tip: Budget for Bengaluru security deposit of 10 months — this is the standard. Use NoBroker to avoid broker fee. Request company HR for relocation support. Popular expat areas: Bengaluru (Indiranagar, Koramangala, Whitefield), Mumbai (Bandra, Powai), Delhi (Gurgaon, South Delhi), Hyderabad (Kondapur, Hitec City).
Time: 2–3 hours for agreement preparation; registration: 3–4 hours at Sub-Registrar if required · Cost: Stamp duty: 0.1–0.25% of annual rent + registration fee (if registering)
Documents needed:
- ✓ Passport
- ✓ Employment letter
- ✓ Landlord's identity documents
- ✓ NOC from society (if required)
Tip: Photograph all rooms on move-in day for documentation. Get landlord to sign a condition report. Send email within 24 hours noting all pre-existing damage. This protects your deposit when you leave.
Full task details are available in the Premium plan
Become a Supporter Time: 2–4 weeks for full due diligence · Cost: ₹15,000–75,000 depending on property value and complexity
Documents needed:
- ✓ Property documents
- ✓ Title deeds
- ✓ Encumbrance certificate
- ✓ Owner identity documents
- ✓ Building plan approval
Tip: RERA registration check (check RERA portal for your state) is mandatory for new projects. Encumbrance certificate from sub-registrar shows all registered transactions on the property. Never pay more than 10% token money before legal due diligence is complete.
Full task details are available in the Premium plan
Become a Supporter Time: 1–3 hours to compile documents; 8–16 weeks processing time · Cost: USD $275 for adults (varies by consulate)
Documents needed:
- ✓ Foreign passport
- ✓ Proof of Indian origin (own/parent/grandparent Indian birth certificate or citizenship certificate)
- ✓ Renunciation of Indian citizenship certificate (if you were formerly Indian)
- ✓ Passport photographs
Tip: OCI eliminates the need for Employment Visa renewals and FRRO registration if you qualify. One of the most valuable documents for PIOs. Apply at your nearest Indian embassy/consulate. The premium guide covers eligibility, common application pitfalls, and the difference between OCI and PIO status.
Local institution: Indian Embassy / Indian Mission Abroad
Full task details are available in the Premium plan
Become a Supporter Time: 1–2 hours to compare and apply online · Cost: ₹8,000–25,000/year for ₹1 crore cover (35-year-old)
Documents needed:
- ✓ Passport
- ✓ PAN card
- ✓ Medical questionnaire
- ✓ Income proof
Tip: Compare on Policybazaar.com. HDFC Life Click2Protect, ICICI Prudential iProtect Smart, and Max Life Smart Term Plan are highly rated. Expat eligibility varies by insurer — check current rules. Buy pure term plan (not endowment/ULIP — don't mix investment with insurance).
Full task details are available in the Premium plan
Become a Supporter Time: 2–4 hours to compare and 1 week to activate · Cost: ₹20,000–1,20,000/year for individual; ₹60,000–3,00,000/year for family
Documents needed:
- ✓ Passport
- ✓ PAN Card
- ✓ Proof of residence in India
- ✓ Medical history declaration
Tip: Room rent sub-limits are the #1 cause of insurance disputes in India. Get a plan with no room rent sub-limits or at least 1% of sum insured/day. IRDAI (Insurance Regulatory and Development Authority of India) regulates all insurers — check irdai.gov.in for licensed insurers.
Time: 1–2 hours per week minimum; accelerated: 5–10 hours/week · Cost: ₹3,000–15,000/month at language school; ₹500–2,000/hour private tutor; free with Duolingo
Tip: In south India, learn the local state language rather than Hindi (Tamil in Chennai, Kannada in Bengaluru). Duolingo has Hindi for free. Private tutors on italki are excellent and affordable (₹500–1,000/hour). Learn Devanagari script — it's phonetic and learnable in 2–3 weeks.
Full task details are available in the Premium plan
Become a Supporter Time: 2–5 working days per document · Cost: ₹1,500–5,000 per document; complex legal documents ₹5,000–15,000
Documents needed:
- ✓ Original foreign-language document
- ✓ Apostille (if applicable)
- ✓ Translator credentials/notary stamp
Tip: For MEA attestation: home country apostille → MEA New Delhi → relevant state/institution. Translation agencies in Delhi (Connaught Place area) and Mumbai (BKC) specialise in expat document services. Always get 3 certified copies.
Local institution: Certified Translator / Notary Public
Full task details are available in the Premium plan
Become a Supporter Time: 1–2 hours to write; 3–4 hours for registration at Sub-Registrar · Cost: Free (unregistered will). ₹200–500 + stamp duty for registered will.
Documents needed:
- ✓ Handwritten or typed will
- ✓ Two witnesses (not beneficiaries)
- ✓ Passport
Tip: The premium guide covers: writing a valid Indian will, cross-border estate planning (India + home country), nominee vs heir distinction (nominee holds assets as trustee; heirs inherit), and FEMA compliance for repatriation of inherited assets.
Full task details are available in the Premium plan
Become a Supporter Time: 1–3 hours initial consultation · Cost: ₹5,000–25,000 consultation fee; complex cases ₹50,000–2,00,000+
Documents needed:
- ✓ All current visa/immigration documents
- ✓ FRRO registration certificate
- ✓ Employment contracts
- ✓ Any previous communications with FRRO/MHA
Tip: Do not rely on employer HR alone for complex immigration matters. The Bar Council of India directory lists registered advocates. For MHA-related matters, Delhi-based immigration lawyers are most experienced. Get advice in writing.
Time: Allow 2–3 months for full preparation · Cost: ₹80,000–4,00,000 total (airline cargo, vet fees, import permit, professional pet relocation service)
Documents needed:
- ✓ Microchip certificate (ISO 11784/11785)
- ✓ Complete vaccination records
- ✓ Rabies vaccination certificate (within 12 months)
- ✓ Health certificate from accredited vet (within 10 days of travel)
- ✓ Import permit (from AQCS — apply 1 month before travel)
- ✓ Proof of pet ownership
Tip: India generally does not require quarantine if documentation is complete. Using a professional pet relocation service (PetRelocation, Happy Tails) is strongly recommended for a stress-free process. Restricted breeds (Pit Bull, Tosa, etc.) — check current India regulations.
Local institution: AQCS — Animal Quarantine and Certification Services
Time: 15 minutes online · Cost: Free
Documents needed:
- ✓ Passport
- ✓ India address
- ✓ Contact details
Tip: UK: Gov.uk register. USA: Step.state.gov (Smart Traveller Enrollment). Australia: smartraveller.gov.au. Germany: Auslandsregistrierung (Auswärtiges Amt). Essential for emergency evacuation, missing persons cases, and consular assistance.
Time: 30 minutes per quarter online · Cost: Tax amount due only. No fee for online payment.
Deadline: June 15 (15%), September 15 (45%), December 15 (75%), March 15 (100%)
Documents needed:
- ✓ PAN card
- ✓ Estimate of annual income and taxes
- ✓ Bank account
Tip: Pay online via income tax portal (incometax.gov.in) or net banking. Salaried employees typically covered by employer TDS — consult CA if you have significant additional income. Penalty: 1% per month for underpayment.
Local institution: Income Tax Department
Full task details are available in the Premium plan
Become a Supporter Time: 2–4 hours with CA to assess treaty benefits · Cost: CA fees: ₹5,000–20,000 for DTAA analysis and compliance
Documents needed:
- ✓ Tax Residency Certificate (TRC) from home country tax authority
- ✓ Form 10F (self-declaration)
- ✓ Passport
Tip: The premium guide covers DTAA planning for UK, USA, UAE, Germany, Singapore, and other key expat nationalities. DTAA can significantly reduce your overall tax burden if structured correctly. Obtain TRC each year — it must be current year.
Local institution: Income Tax Department + Home Country Tax Authority
Full task details are available in the Premium plan
Become a Supporter Time: 2–4 hours with specialist CA · Cost: CA consultation: ₹5,000–20,000
Documents needed:
- ✓ Employment contract with foreign company
- ✓ Bank statements showing foreign salary
- ✓ Records of days in India
Tip: The premium guide covers: remote worker tax position in India, DTAA benefits for avoiding double taxation, FEMA compliance for receiving foreign salary into Indian account, and strategies for tax efficiency.
Full task details are available in the Premium plan
Become a Supporter Time: 2–4 hours per year · Cost: ₹5,000–30,000 depending on complexity
Documents needed:
- ✓ Form 16 from employer
- ✓ Bank statements
- ✓ Investment proofs
- ✓ Foreign income statements
- ✓ PAN Card
- ✓ FRRO registration
Tip: India's tax year is April 1 to March 31. ITR filing deadline: July 31. ICAI member verification: icai.org. Ask specifically: "Do you handle expat and NRI taxation?" Many CAs focus only on business or only on Indian residents. Request year-round availability for TDS adjustments.
Local institution: Chartered Accountant / ICAI member
Time: 15 minutes to set up both apps · Cost: Free apps. Per trip: ₹50–300 for most city journeys.
Documents needed:
- ✓ Indian phone number for account creation
Tip: Link UPI (PhonePe/GPay) or credit card in the app. Cash option also available. Ola Auto and Uber Auto are regulated auto-rickshaws with meter — use these instead of street autos to avoid overcharging.
Time: 10 minutes at metro station · Cost: ₹100 deposit + ₹100 minimum load
Documents needed:
- ✓ ₹100 deposit (refundable)
Tip: Delhi Metro DMRC card works on Delhi Metro all lines. Top up at any station or via PhonePe (Delhi). Bengaluru Namma Metro card at any Namma Metro station.
Time: 20 minutes to register · Cost: Free registration. Train tickets from ₹100–5,000 depending on class and distance.
Documents needed:
- ✓ Indian phone number for OTP
- ✓ Email address
Tip: Book 120 days in advance for popular routes — trains sell out fast. Tatkal quota available 1 day before travel at premium. Vande Bharat Express is the premium semi-high-speed option. 3AC and 2AC are comfortable for expats on overnight journeys.
Full task details are available in the Premium plan
Become a Supporter Time: 1–2 hours to compare and purchase online · Cost: ₹5,000–30,000/year depending on car value and add-ons
Documents needed:
- ✓ Vehicle registration certificate (RC)
- ✓ Driving licence (Indian or IDP)
- ✓ Previous insurance policy
- ✓ PAN Card
Tip: Zero depreciation (zero dep) add-on is the most valuable add-on — get it for any car less than 5 years old. NCB (No Claim Bonus) can reduce premiums by 20–50% — transfer NCB from your previous insurer. IRDAI sets minimum rates for third-party coverage.
Time: 30 minutes review · Cost: Free
Documents needed:
- ✓ Payslip
- ✓ Employment contract
Tip: If ESIC is incorrectly deducted from your salary (shouldn't be if earning above ₹21,000/month), raise it with HR immediately. ESIC deductions reduce take-home pay unnecessarily for ineligible employees.
Local institution: ESIC — Employees' State Insurance Corporation
Time: 30 minutes to calculate entitlement · Cost: Free (employer pays)
Documents needed:
- ✓ Employment records
- ✓ Payslips showing basic salary
Tip: If you resign before 5 years, you lose gratuity. After 5 years: claim from employer within 30 days of leaving. If employer delays payment beyond 30 days, they owe interest.
Local institution: Payment of Gratuity Act 1972
Time: 30 minutes to notify employer in writing · Cost: Free — paid by employer
Documents needed:
- ✓ Medical certificate confirming pregnancy and expected delivery date
- ✓ Written notification to employer
Tip: If your employer has 50+ employees, they must provide creche facilities. Work-from-home must be allowed where nature of work permits after 26 weeks (Maternity Benefit Amendment Act 2017).
Local institution: Maternity Benefit Act 2017