Settle in Kerala from Malaysia — Complete NRI Return Guide 2026

Planning to return to Kerala from Malaysia? This guide covers financial planning, property, business setup, tax implications, and family relocation for Malaysia-based Keralites.

Malaysia to Kerala — Key Steps

1. Exit planning: Resign, withdraw EPF (Employees Provident Fund), cancel work permit
2. Repatriate funds: Wire transfer to NRE account — FEMA allows unlimited repatriation
3. Sort property: NRI Home Loan up to ₹10 Crores
4. Ship goods: Sea freight from Port Klang/Penang + TR customs exemption
5. Update status: Notify banks, update Aadhaar, file ITR
6. Start business: Register entity and apply for funding

Malaysia-Specific Considerations

• EPF withdrawal: Foreign workers can withdraw full EPF balance on leaving Malaysia permanently
• Work permit cancellation: Must be cancelled by employer before departure
• Malaysia-India DTAA: Double Tax Avoidance Agreement prevents double taxation
• MM2H visa holders: Programme can be suspended on departure; consult immigration advisor
• OCI card: Apply if not already held — no visa required for India visits
• Malaysian driving licence: Not directly convertible — Indian licence required

Property Finance

• NRI Home Loan — up to ₹10 Crores
• NRI Construction Loan
• NRI Plot Purchase Loan
• Loan Against Property — up to ₹5 Crores