In brief
Moving permanently does not itself make every retirement balance withdrawable or end every Australian tax obligation.
Your next steps
0 of 6 steps complete · Next: Document the departure tax position
Document the departure tax position
Next stepPractical preparation: ask your tax agent to determine the resident/non-resident periods, review Australian-source income after the move, final salary and share awards, and schedule the departure-year return. Preserve access to myGov/ATO correspondence and any local agent authority.
Review the house and investment exit position
ATO changing-residency guidance flags departure CGT and restrictions on the main-residence exemption for foreign residents, with exceptions. Review current law before choosing a sale date or a departure election; the source linked here is historical and does not establish your eligibility.
Separate DASP from ordinary super access
The ATO application system is for eligible former temporary residents and notes withholding tax. It is not a general cash-out route for every person leaving Australia. Obtain the current eligibility assessment from ATO and the fund, including citizenship, visa cessation and any prior status changes.
Get a written fund comparison
Practical preparation: obtain balances, preservation/access conditions, fees, insurance consequences, beneficiary nominations and India-resident servicing rules for each fund. Compare retaining benefits with any lawful payment after both-country tax review; do not rely on the move alone as a release condition.
Confirm continued account access
Practical preparation: ask each bank and broker whether it serves residents of India, which investments and instructions remain available, what address and tax-residence evidence it needs, and how authentication will work after your local phone number ends. Keep a payment account until final liabilities and refunds are settled.
Coordinate the Indian arrival year
Practical preparation: give your Indian adviser the actual travel calendar, ownership and cost records, foreign tax paid and pension statements. Review Indian tax residence, foreign-asset reporting, account redesignation and relief separately using the common India return guidance. A foreign account wrapper or pension label does not establish its Indian tax result.
Suggested preparation sequence. Your authority may require a different order. Progress stays on this device.
Australia & India guidance · All countries
Evidence for these steps
Checked 20 October 2026. Links support the statements within their scope; preparation lists are editorial suggestions. Access limitations are disclosed below.
- Document the departure tax position: NRIdisha preparation suggestion; confirm your own requirements.
- Review the house and investment exit position: Australian Taxation Office — Foreign residents, temporary residents and changing residency 2021 guide indexed extract; historical guidance used only to identify review topics, not current rates, deadlines or eligibility.
- Separate DASP from ordinary super access: Australian Taxation Office — Departing Australia Superannuation Payment; Australian Taxation Office — DASP eligibility and instructions Full page returned HTTP 403. Guide does not claim complete eligibility or quote payment tax rates.
- Get a written fund comparison: NRIdisha preparation suggestion; confirm your own requirements.
- Confirm continued account access: NRIdisha preparation suggestion; confirm your own requirements.
- Coordinate the Indian arrival year: NRIdisha preparation suggestion; confirm your own requirements.
What to have ready
0 of 4 preparedKeep documents in your own secure records. Tick what you have; nothing is uploaded.
Model the decision with your own figures
Prepare the dates, currencies, costs and amounts you know. Keep tax eligibility, provider access and uncertain assumptions on your adviser’s question list. The calculators show those assumptions explicitly.
For a return to India, add education, parents’ support, healthcare, partner income and locked funds to the household timeline. Bring supporting-tool figures into it only after reviewing timing, currency and overlap.
Questions to take to an adviser
- Can my super legally be released, and what withholding applies?
- Does a sale after non-residence change property relief?
- What Australian income will continue?
Who can help
A qualified Australia adviser and an Indian cross-border tax or citizenship specialist, as appropriate. The responsible authority decides applications.
Check an adviser before paying or signingSources & review limits
Published by NRIdisha. Prepared with AI assistance. No individual author or qualified professional reviewer is credited for this guide.
Official sources support the statements they address. They do not certify this guide or your eligibility. Open the source and check current amendments before acting.
Income Tax Department (opens in a new tab) · Reserve Bank of India (opens in a new tab) · National Portal of India (opens in a new tab)
Departure CGT and main-residence warning.
Source access limit 2021 guide indexed extract; historical guidance used only to identify review topics, not current rates, deadlines or eligibility.
Official application system confirms DASP is for eligible former temporary residents and withholding applies.
Current eligibility route for temporary-resident super claims.
Source access limit Full page returned HTTP 403. Guide does not claim complete eligibility or quote payment tax rates.
Keep this page’s title, the exact statement and the official source. Email them to support@nridisha.com. Do not include personal documents.