NRI Cross-Border Money Playbook: India to Canada Financial Guide 2026
Stop overpaying taxes on your India-Canada finances. The real playbook.
You moved to Canada. Now what happens to your money in India?
This playbook is the no-fluff, step-by-step guide for NRIs in Canada who need to get their cross-border finances right — without paying a consultant $500/hr to explain the basics.
What's inside:
• NRE vs NRO accounts — when to convert, when to keep, and what triggers tax liability • DTAA (Double Tax Avoidance Agreement) — how to actually use the India-Canada treaty to avoid paying tax twice • RRSP, TFSA, and FHSA — which Canadian accounts to prioritize as an NRI and in what order • Indian mutual funds, PPF, and NPS — what to do with existing investments after you land • T1135 foreign asset reporting — the CRA form most NRIs don't know about until it's too late • Selling Indian property from Canada — capital gains, TDS, repatriation rules, and Form 15CA/15CB • Sending money between India and Canada — the cheapest and most compliant ways to move funds • First-year financial checklist — week-by-week action plan for your first 90 days
Built from 20+ years of real experience navigating both systems. No jargon walls. No affiliate links to financial products. Just the playbook.




