In brief
Departure changes tax and social-insurance treatment. Keeping a bank account or home is a separate provider and asset decision.
Start with Belastingdienst: Emigration checklist (opens in a new tab)
Your next steps
0 of 5 steps complete · Next: Follow the emigration checklist
Follow the emigration checklist
Next stepSecure access to tax correspondence and use Belastingdienst’s migration-year return route. Revisit provisional assessments and benefits affected by the move; retain confirmations and a dependable overseas contact method.
Read each protective assessment
Pension/annuity assessments may have conditional deferral generally up to ten years under the cited guidance, followed by a cancellation application. Commutation can trigger payment. Substantial company interests need a separate review.
Preserve AOW and scheme records
Accrued AOW rights remain, but further accrual generally stops after emigration unless insurance continues. Seek an individual insurance assessment where work links remain, and ask occupational schemes separately about preserved benefits and overseas payment.
Decide how to hold the Dutch home
Retained Dutch property can remain taxable as a non-resident. Review actual use, the mortgage and relevant box with the adviser before converting a home into a rental.
Confirm provider access and withholding
Ask banks and brokers about serving India residents and update tax-residence details. For pensions or benefits, use the official withholding-exemption application where entitled instead of assuming the payer can stop deductions automatically.
Suggested preparation sequence. Your authority may require a different order. Progress stays on this device.
Netherlands & 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.
- Follow the emigration checklist: Belastingdienst — Emigration checklist
- Read each protective assessment: Belastingdienst — Protective assessment on emigration
- Preserve AOW and scheme records: Belastingdienst — Social security across borders
- Decide how to hold the Dutch home: Belastingdienst — Taxable income when living abroad
- Confirm provider access and withholding: Belastingdienst — Emigration checklist
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
- Will AOW insurance continue?
- Does a withdrawal breach assessment conditions?
- What changes if the home is rented?
Who can help
A qualified Netherlands 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)
Migration-year return, benefits and withholding route.
Pension/annuity deferral; substantial interests have different rules.
Accrued AOW rights and continuing insurance assessment.
Non-resident assets and Dutch property.
Keep this page’s title, the exact statement and the official source. Email them to support@nridisha.com. Do not include personal documents.