In brief
Prepare both a departure file and a list of Canadian income that will continue after non-residence.
Start with Canada Revenue Agency: Leaving Canada (emigrants) (opens in a new tab)
Your next steps
0 of 6 steps complete · Next: Arrange the departure filing
Arrange the departure filing
Next stepUse the province or territory package for where you lived at departure; enter the departure date and review deemed disposals. Quebec obligations require a separate Revenu Québec review. Check the actual filing year and forms with your preparer.
Notify Canadian payers
Once non-resident, notify Canadian financial institutions and payers so the appropriate non-resident treatment can be considered. Ask separately about retained rent, dividends and pension or RRSP/RRIF withdrawals; obtain withholding statements for the Indian review.
Stop treating a TFSA as universally tax-free
A non-resident can keep an existing TFSA, but Canadian tax-free contribution treatment is restricted. Do not continue an automatic contribution merely because the account stays open. Arrange an Indian assessment of its income and gains.
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.
Retain the pension decision trail
Practical preparation: obtain RRSP/RRIF, workplace pension and public-pension estimates, beneficiary records and withdrawal quotes. Compare keeping, drawing and any transfer proposal after both-country tax advice; do not cash out solely to simplify the move.
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.
Canada & 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.
- Arrange the departure filing: Canada Revenue Agency — Leaving Canada (emigrants)
- Notify Canadian payers: Canada Revenue Agency — Leaving Canada (emigrants)
- Stop treating a TFSA as universally tax-free: Canada Revenue Agency — How non-residency affects your TFSA
- Confirm continued account access: NRIdisha preparation suggestion; confirm your own requirements.
- Retain the pension decision trail: 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 3 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
- Which Canadian income continues after departure?
- What withholding or separate rental/property-sale process applies?
- Can my providers continue serving me from India?
Who can help
A qualified Canada 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)
Residential ties, departure return, deemed disposals and payer notifications.
Holding a TFSA after departure and non-resident contribution restrictions.
Keep this page’s title, the exact statement and the official source. Email them to support@nridisha.com. Do not include personal documents.