Moving to India from USA: Everything you need to know

India is an attractive prospect for ambitious US expats. You can join a diverse expat community, explore busy cosmopolitan centers, or visit relaxing rural retreats. There’s something for everyone!

We take a closer look at moving to India from the USA, covering everything you need to know about visas, accommodation, and relocation.

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Quick facts about India

Here are a few things to know about your new home, including local languages, weather, and religion:

Visa options for Americans in India

The best visa for your move will depend on your individual circumstances. Let’s take a look at your visa options in India.

Employment visa

You can get an employment visa in India if you’re moving abroad for work. You’ll need to get a valid job offer from a company in India.

You may also need your new employer to sponsor your visa application. This informs the government why you deserve the right to live and work in the country.³

Student visa

You can apply for a student visa if you’re admitted to a recognized educational institution, such as a university.³

The visa should cover the duration of your studies, but you’ll need to research additional visa options if you wish to stay in the country after graduation.

Entry visa

If you’re of Indian origin, or your family members already hold an appropriate visa in India, you may be able to move to India under an entry visa.³

You may need to provide some key information for your application, such as proof of relation to your Indian relative and a valid passport.

Cost of living in India

The cost of living in India is considerably lower than in the US. Even in major cities like Mumbai, costs such as renting and dining are often cheaper than in the US.

Let’s take a closer look at India’s cost of living, including average costs in US dollars of some popular purchases.

Opening a bank account in India

If you’re moving to India, you might want to open an Indian bank account to set up direct deposits and spend money like a local.

You can avoid your US bank’s currency conversion costs and get paid directly into your local bank account.

Popular banks in India include:

• State Bank of India® (SBI)
• HDFC Bank®
• ICICI Bank®

The exact process for opening a bank account in India will depend on which provider you choose. You’ll likely need to provide a valid passport, a valid proof of address, and proof of Indian origin or an appropriate visa.⁵

If you’re using your US bank account in India, look out for currency conversion costs and foreign transaction fees. Most US banks charge for international transactions, which can significantly add to the cost of your global spending.

Tax implications for Americans in India

You’ll need to understand your expat tax implications in both the US and India. If you’re a resident of India, you’ll be taxed on your global income. If you’re a non-resident, you’ll only be taxed on income earned within India.

You’ll count as a tax resident if you’ve been present in India for over 182 days, or over 60 days in the current year plus 365 days in the prior 4 years.

The US has a tax treaty with India. This means you can avoid double taxation, with clear limits and rules governing the taxation of US citizens living abroad.

You can claim a Foreign Tax Credit (FTC) on US returns for taxes paid in India on the same income, for example.⁶

Getting accommodation in India

Before relocating to India, you’ll need to consider your accommodation options. Some expats prefer to rent before purchasing a home, whereas others want to find their dream property immediately.

Renting

Renting is a good option if you’re not yet sure where you want to settle in India. You can find plenty of gorgeous properties across the country, including apartments, houses, and villas.

Here’s how much it may cost to rent an apartment in 4 popular Indian cities: Delhi, Mumbai, Chennai, and Pune.

Buying

US citizens can buy a property in India, but there are a few things to consider. In India, foreigners are classified as Non-Resident Indians (NRIs), Overseas Citizens of India (OCIs), or foreign nationals.

Currently, only NRIs and OCIs can buy real estate in India without approval from the Reserve Bank of India (RBI).¹¹ Speak to a local or international real estate agent for advice.

Here’s how much it may cost to buy a home in 4 popular Indian cities: Delhi, Mumbai, Chennai, and Pune.

Healthcare system in India

India’s healthcare system is technically free, funded by the state. However, there are significant gaps in the system, with people in more affluent areas typically receiving better care.

It is a flawed, underfunded system, with many foreigners opting for health insurance. This means they can use private facilities, but it comes with costs.¹²

Best cities to live in India as an expat

As an expat, there are a few things you may look for in your new home, such as good job opportunities or relaxing locations for retirement. Let’s take a look at some of the best cities for US expats in India.

Delhi

Delhi is one of the most popular cities for expats. It is the official National Capital Territory (NCT) of India, with a large population and job opportunities in multiple industries.

You can explore Delhi’s rich history, visit local museums, and access an affordable cost of living.

Delhi also has a big expat community. Popular neighborhoods for expats include Greater Kailash, Vasant Kunj, and Vasant Vihar.¹³

Mumbai

Mumbai is a good option for your relocation. Known as the financial capital of India, you can try out a vibrant new way of life, with an attractive salary that will likely stretch a lot further than it would in the US.

Although Mumbai is a big city, it’s also home to a range of beautiful natural attractions, including relaxing beaches and the Sanjay Gandhi National Park.

You can enjoy the hustle and bustle of the city or spend the weekend exploring Mumbai’s local natural beauty.¹⁴

Chennai

If you’re moving to India from the USA, Chennai offers both tradition and innovation for foreign expats.

From huge beaches to ancient architecture, there’s a lot to do in Chennai. You can visit local bars and clubs or check out Chennai’s fascinating museums.

Many expats live in Nungambakkam, an affluent local neighborhood. You can also find like-minded professional expats in an area like Adyar.¹⁵

Is it safe to live in India?

Although some areas of India are very safe, it’s important to remain cautious. Terrorists may target cities or neighborhoods that are popular with tourists. Some public spaces can be particularly unsafe for women.¹⁶

…..

Moving to India from the USA can be an exciting adventure, but it’s important to be prepared. Research neighborhoods, apply for the right visa, and always consider your healthcare options before jumping on a plane!

India is typically much cheaper than the US. However, you’ll need to consider any additional costs for your move, such as currency conversion fees charged by your US bank.

To avoid exchange rate fees and reduce your global costs, check out Wise.

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Sources

1. Worldometers - India population
2. Legal Clarity - Does India have a tax treaty with the US?
3. Deel - Moving to India: A guide for expats and digital nomads
4. Numbeo - Cost of living in India
5. HSBC - Open a Non-Resident account in India
6. Taxes for Expats - Tax guide for Americans in India
7. Numbeo - Cost of living in Delhi
8. Numbeo - Cost of living in Mumbai
9. Numbeo - Cost of living in Chennai
10. Numbeo - Cost of living in Pune
11. Sobha - Can foreigners buy property in India
12. International Insurance - Understanding India’s healthcare system
13. Expat - Living in New Delhi: The ultimate expat guide
14. Expat - Living in Mumbai: The ultimate expat guide
15. Expat - Living in Chennai: The ultimate expat guide
16. William Russell - Moving to India: What you should know before going

Sources checked 03/24/2026