How bank return dates are tested
6 of 6 cases match; 0 warnings
These reference cases run through the same functions as the calculator when this page is built. A mismatch fails the build. Passing examples are not a legal review of every possible situation.
Last verified against the linked primary sources: 2026-09-11.
What is not modelled
These cases cover account-status triggers and calendar dates, not RFC eligibility, tax rates, bank paperwork or individual treaty relief. The illustrated RNOR end is not an input to bank-date selection. Existing FCNR(B) deposits may continue to maturity at the contracted rate; continuation alone is not a FEMA contravention. No tax-return filing date is generated.
NRE and FCNR: maturity before the illustrated RNOR end
Reference inputs
{
"returnDate": "2027-07-15",
"purpose": "INDEFINITE",
"accounts": [
"NRE",
"FCNR"
],
"fcnrMaturityDate": "2028-03-01",
"illustrativeRnorEnd": "2029-03-31"
}Expected
{
"dates": [
"bank-redesignation: 2027-07-15",
"fcnr-maturity: 2028-03-01"
],
"fcnrContinuesToMaturity": true
}Actual
{
"dates": [
"bank-redesignation: 2027-07-15",
"fcnr-maturity: 2028-03-01"
],
"fcnrContinuesToMaturity": true
}NRE and FCNR: maturity after the illustrated RNOR end
Reference inputs
{
"returnDate": "2027-07-15",
"purpose": "INDEFINITE",
"accounts": [
"NRE",
"FCNR"
],
"fcnrMaturityDate": "2030-03-01",
"illustrativeRnorEnd": "2029-03-31"
}Expected
{
"dates": [
"bank-redesignation: 2027-07-15",
"fcnr-maturity: 2030-03-01"
],
"fcnrContinuesToMaturity": true
}Actual
{
"dates": [
"bank-redesignation: 2027-07-15",
"fcnr-maturity: 2030-03-01"
],
"fcnrContinuesToMaturity": true
}NRO only, return for employment
Reference inputs
{
"returnDate": "2027-07-15",
"purpose": "EMPLOYMENT",
"accounts": [
"NRO"
],
"illustrativeRnorEnd": null
}Expected
{
"dates": [
"bank-redesignation: 2027-07-15"
],
"fcnrContinuesToMaturity": null
}Actual
{
"dates": [
"bank-redesignation: 2027-07-15"
],
"fcnrContinuesToMaturity": null
}Qualifying return on 31 March
Reference inputs
{
"returnDate": "2027-03-31",
"purpose": "INDEFINITE",
"accounts": [
"NRE"
],
"illustrativeRnorEnd": null
}Expected
{
"dates": [
"bank-redesignation: 2027-03-31"
],
"fcnrContinuesToMaturity": null
}Actual
{
"dates": [
"bank-redesignation: 2027-03-31"
],
"fcnrContinuesToMaturity": null
}Qualifying return on 1 April
Reference inputs
{
"returnDate": "2027-04-01",
"purpose": "INDEFINITE",
"accounts": [
"NRE"
],
"illustrativeRnorEnd": null
}Expected
{
"dates": [
"bank-redesignation: 2027-04-01"
],
"fcnrContinuesToMaturity": null
}Actual
{
"dates": [
"bank-redesignation: 2027-04-01"
],
"fcnrContinuesToMaturity": null
}Definite short visit: no redesignation date
Reference inputs
{
"returnDate": "2027-07-15",
"purpose": "SHORT_VISIT",
"accounts": [
"NRE"
],
"illustrativeRnorEnd": null
}Expected
{
"dates": [
"arrival: 2027-07-15"
],
"fcnrContinuesToMaturity": null
}Actual
{
"dates": [
"arrival: 2027-07-15"
],
"fcnrContinuesToMaturity": null
}Was this correct?
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Related Reading
Accounts and Banking- FEMA Resident vs Income-Tax Resident: Two Different Tests
FEMA section 2(v) governs account residence; Income-tax section 6 governs tax residence. Understand why purpose, days and earlier years can produce different answers.
- NRE/NRO After Return to India: When to Redesignate
RBI calls for immediate NRE/NRO redesignation on a qualifying return. Check the trigger, resident-account options, bank steps and consequences of delay.
- What Happens to an FCNR FD After You Return to India?
You need not break an existing FCNR(B) deposit on return. RBI allows it to run to maturity; compare RFC or rupees, interest treatment and the bank steps.