Expatriate's Guide For India | Your Essential Survival Guide | Expat Orbit
🌏 Complete 2025 Guide — Updated for India's New Immigration Rules

Expatriate's Guide For India

Your essential survival guide for living and working in India. From visa procedures to daily life, banking to housing, schooling to compliances — everything you need for a successful India assignment.

Why You Need This Guide

India's administrative system is logical, but missing steps causes months of complications

😵

The Reality

First week feels overwhelming. Multiple registrations, deadlines you didn't know about, and everything depends on everything else.

🎯

The Solution

This guide shows you WHAT, WHY, and WHEN — not just checklists. Understand the sequence and everything flows smoothly.

The Result

90 days from now, you'll be ordering chai in Hindi, paying with UPI, and helping other new expats get settled.

💡 Think of it like a game

Each document unlocks the next step. Get your Form C → Register with FRRO → Apply for PAN → Open bank account → Get UPI working → You're in the game! This guide shows you the exact sequence so you don't miss anything.

🛫 Pre-Arrival Planning: Just Before You Fly

Get everything ready now while you're still in your home country where getting apostilled documents and certificates is easier

🏗️ Foundation Documents First

Relocation is like building a house - you need the foundation documents before you can build anything else. Without the right papers, you can't open a bank account, receive your salary, register your residence, or even buy a SIM card properly.

Get everything ready now while you're still in your home country where getting apostilled documents and certificates is easier.

📋 Essential Documents Checklist

Progress 0/8 Complete

Passport + valid Employment Visa

Check employer name matches

Offer / Deputation letter

From employer on company letterhead

Health & travel insurance

Coverage confirmation documents

Vaccination certificate

COVID-19, Yellow Fever if applicable

5-6 passport-sized photos

Keep extras for multiple applications

Prescription medicines

Plus doctor's letter explaining them

International driving permit

If planning to drive in India

Credit card + Indian rupees

International payments and sufficient cash

✈️ Additional Essentials

🔌

Power & Electronics

Bring power adaptor (Type C/D, 230V). India uses different plugs!

🏦

Banking

Notify your home bank about card usage in India to avoid blocks

📞

Contacts

Save embassy, HR, and emergency contacts before departure

🚕

Arrival Plan

Confirm airport pickup arrangement & first night hotel booking

📅 E-Arrival Card Mandatory from October 1, 2025

All foreign passport holders must complete an online e-Arrival Card within 72 hours before your flight's arrival at indianvisaonline.gov.in/earrival or via the official Su-Swagatam mobile app.

Required information: Full name (as per passport), Nationality and passport number, Date of arrival and purpose of visit, Countries visited in the last 6 days, Local address and contact details in India.

Your First 14 Days: The Critical Window

This is where everything either clicks into place or becomes a nightmare — here's the exact sequence

0Day

🛬 At Airport: Get Connected

Right after landing, get your Indian SIM card and set up payment options.

  • Visit Jio/Airtel counter in arrivals
  • Get SIM card (activates in 6-24 hours)
  • Set up UPI One World wallet (no bank needed)
  • Keep international card as backup
1Day

📋 Form C Registration

Your landlord/hotel files Form C within 24 hours. This is your proof of stay — you'll need it for everything.

  • Ask landlord if Form C is filed
  • Get screenshot/copy for your records
  • Required for: FRRO, PAN, bank account
  • Don't leave without this!
3-7Day

🏛️ FRRO Registration

If your visa is >180 days, register with FRRO within 14 days. Fully online process.

  • Apply at indianfrro.gov.in
  • Upload: Passport, Visa, Form C, Lease, Photo
  • Processing: 3-7 days typically
  • Late fees start after 15 days
7-14Day

🆔 Apply for PAN Card

Your tax ID in India. Required for salary, tax, and banking. Apply online via NSDL.

  • Form 49AA for foreign nationals
  • Processing: 7-15 days
  • Need: Passport, Visa, FRRO, Photo
  • Can apply with FRRO acknowledgment
10-14Day

🏦 Open Bank Account

Once you have Form C, FRRO, and PAN — open your Indian bank account for salary and UPI.

  • Check employer tie-ups first
  • Visit branch with all documents
  • Get debit card + UPI setup
  • You're now fully digital!

Banking & Digital Payments in India

India's payment revolution — from cash to cashless in days

💳 Understanding UPI

UPI (Unified Payments Interface) is India's real-time payment system. It's how India went cashless.

  • Free forever Zero transaction fees
  • Instant Money transfers in under 5 seconds
  • 24/7 available Even weekends and holidays
  • No account numbers Just scan QR code or use UPI ID
  • ₹1L daily limit Varies by bank

🏦 Opening Bank Account

Once your arrival formalities are complete, setting up a bank account enables salary credits and UPI access.

  • Check employer tie-ups Better features and benefits
  • Documents needed Passport, PAN, FRRO, Employer letter, Lease, Photos
  • Account types Savings or Salary account
  • Timeline Account active in 3-5 days
  • UPI setup Instant once account is active

💡 Airport E-Wallet Services

Before you even have a bank account, you can get UPI One World wallet at major airports (Delhi, Mumbai, Bangalore, Chennai, Hyderabad). Load money using your international card, get instant UPI access. Valid for 30 days, can be extended with full KYC.

Finding Housing in India

From serviced apartments to family homes — choosing the right accommodation

Type What's Included Best For
Unfurnished Apartment Empty unit with fixtures (fans, cupboards). You arrange furniture. Long-term stays, corporate-leased housing, importing own goods
Fully Furnished Furniture, appliances, complete kitchen setup included. Most popular for expats on 1-3 year assignments
Serviced Apartment Furnished + housekeeping + maintenance + utilities + concierge. Senior executives, families, temporary accommodation

📋 Housing Checklist

  • List requirements clearly Share in writing before finalizing
  • Review lease terms Rent, payment date, amenities included
  • Legal review Have HR/legal team check agreement
  • Registration Leases over 11 months must be registered
  • Hidden charges Confirm moving costs, maintenance fees

⚠️ Common Mistakes

  • Not checking utilities Who pays electricity, water, gas?
  • Skipping registration Legal protection requires it
  • No inventory list Document everything on day 1
  • Unclear maintenance AC repair? Plumber? Who pays?
  • No notice period clarity Understand exit terms

Schooling Options for Expat Families

Understanding boards, admissions, and timelines for children's education

🌍 International Boards

For expat families moving countries

  • IB (International Baccalaureate) Globally recognized, inquiry-based learning. Programs: PYP, MYP, DP
  • Cambridge (IGCSE) British curriculum, strong academic rigor, widely accepted by universities
  • Best for Families planning to move countries again

🇮🇳 Indian Boards

For long-term India residents

  • CBSE Central Board of Secondary Education, national curriculum
  • ICSE Indian Certificate of Secondary Education, comprehensive syllabus
  • Best for Settling in India long-term, connection to Indian education system

📅 Admission Timeline

Apply 6-8 months in advance. Academic year starts Apr-Jun. Admission season is Sep-Jan. Schools conduct entrance tests and parent interviews (can be virtual if not yet in India). Once admitted, pay fees quickly — waitlists move fast!

Daily Life Essentials

Apps and services that make India life convenient

🍕

Food Delivery

Zomato & Swiggy — Order from thousands of restaurants. Choose 4★+ for hygiene. Most deliver until midnight.

🛒

Groceries

Blinkit, Zepto, BigBasket — 10-minute delivery. Also: Foodhall, Modern Bazaar, Reliance Smart stores.

🚗

Transport

Uber, Ola, Rapido — Cars, autos, bikes. Avoid peak hours 8-10am / 6-8pm. Always verify driver details.

🏥

Healthcare

Practo, Apollo, 1mg — Book doctors, online consultations, pharmacy delivery. Emergency: Dial 108.

Understanding Compliances

Tax, PF, Aadhaar, and other legal requirements

💰 Tax & Residency

  • Financial Year April 1 to March 31 (not calendar year)
  • Tax Residency Based on days stayed in India
  • Resident Global income taxable in India
  • Non-Resident Only Indian income taxable
  • DTAAs apply Double taxation agreements may help

🛡️ Provident Fund (PF)

  • Mandatory retirement savings 12% from you plus 12% from employer
  • SSA countries exempt With Certificate of Coverage
  • Interest accrues Currently around 8.15% per annum
  • Withdrawal When leaving India or at age 58
  • Comprehensive guide available See our PF handbook

🆔 Aadhaar Card

  • India's national ID Digital identity for residents
  • Eligibility After 182 days of stay
  • Benefits Simplifies banking, telecom, PF withdrawal
  • Required for E-verification of tax returns
  • Application Online booking, visit Aadhaar center

🚫 Restricted Areas

  • PAP/RAP required For border areas and sensitive regions
  • Regions Arunachal, Sikkim, Nagaland, Ladakh parts
  • Apply early 3 weeks before travel
  • Processing 7-15 days typically
  • Always carry originals Passport plus visa plus permit

The Emotional Rollercoaster

Every expat goes through these phases. You're not alone!

😵

Week 1

"What do I do? Where do I start? Why is everything so complicated?"

😩

Week 2

"I'll never figure this out. Should I just hire someone to do everything?"

😕

Month 1

"Wait, this might actually work. Things are starting to click."

😊

Month 2

"I'm getting the hang of it. UPI is amazing! I love ordering food at midnight."

💪

Month 4

"I got this! I can navigate the metro without maps. I know the best chai spots."

❤️

Month 6

"This feels like home now. I'm helping new expats settle in. India grows on you!"

💡 This guide might help you reach Month 4 mindset by Month 2!

Feel free to reach out to us at [email protected] for personalized assistance with any step in your India journey.

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