The NRI Playbook
All Checklists
Every guide in the Playbook, condensed into a numbered list of the steps it covers. These are maps, not routes: the full guides carry the details that make each step safe.
Written and verified by the SOSGI Editorial Team · 41 checklists
Immigration
Key points at a glance
The H-1B Visa, Explained: Timeline, Costs and Common Mistakes
12 key points
- 1H-1B is employer-sponsored; you cannot petition for yourself
- 2The job must be a specialty occupation matching your degree field
- 3The LCA, Form I-129 and approval notice I-797 carry the case
- 4Your I-94 record, not the visa stamp, controls your stay
The checklist
Green Card EB-1, EB-2, EB-3: Which Category Fits You
12 steps
- 1Learn the differences between EB-1, EB-2, and EB-3 doors
- 2Identify which category your current facts already open
- 3Ask an attorney whether EB-1A or NIW evidence-building is realistic
- 4Consider EB-1C if your employer has foreign entities and managerial roles
The checklist
H-4 Status and the H-4 EAD: The Complete Rules for Spouses
10 steps
- 1Check every family member's I-94 after each entry
- 2Keep H-4 extensions filed together with the H-1B's
- 3Confirm the I-140 approval or AC21 basis before filing the EAD
- 4File Form I-765 as early as the renewal window allows
The checklist
F-1 to H-1B: The Student's Complete Roadmap
10 steps
- 1Verify your degree's CIP code against the STEM list
- 2Ask employers in interviews how they handle H-1B registration
- 3Calendar the annual registration window every spring
- 4Know your offered role's wage level under weighted selection
The checklist
STEM OPT Extension: Eligibility, the I-983, and Staying Compliant
11 steps
- 1Confirm your CIP code appears on the STEM list
- 2Verify the employer's E-Verify enrollment before accepting
- 3File the extension before your current OPT expires
- 4Submit the signed Form I-983 to your DSO
The checklist
US Visa Stamping in India: The Complete Interview Playbook
12 steps
- 1Confirm you actually need to travel — expired stamps don't affect status
- 2Answer the portal's eligibility questionnaire; expect an in-person interview
- 3Complete the DS-160 yourself, accurate and consistent with your history
- 4Pay the visa fee through the official ustraveldocs portal only
Your Journey in America
The checklist
Moving to the USA: The Complete 24-Point Relocation Checklist
24 steps
- 1Assemble documents folder: passport, visa, status documents, degree certificates, transcripts
- 2Build the medical file: vaccination records, prescriptions in original packaging, doctor's letters
- 3Plan week-one money and notify your Indian bank before travelling
- 4Arrange insurance covering the gap until employer or university coverage begins
The checklist
Getting Your Social Security Number: The Complete Process
12 steps
- 1Confirm you are work-authorized and eligible for an SSN
- 2Know the routes: immigrant visa request, USCIS form request, or in person
- 3Allow time after arrival for records to reach government systems
- 4Gather originals: passport, I-94, and your status or work-authorization document
The checklist
Opening Your First US Bank Account: Documents, Choices, Traps
12 steps
- 1Know banks can verify identity with a passport, not only an SSN
- 2Gather passport, visa, I-94, status document, and proof of address
- 3Choose between a national bank, credit union, or online bank
- 4Open checking and savings together and ask about fee waivers
The checklist
Getting a US Driver's License: The Universal Playbook
12 steps
- 1Get an International Driving Permit in India before you travel
- 2Check your state's foreign-license grace period on the official DMV site
- 3Gather passport, I-94, status document, and residency proofs
- 4Bring your SSN or an SSA ineligibility letter
The checklist
Building US Credit From Zero: The Complete 12-Month Plan
12 steps
- 1Understand that Indian credit history does not transfer to America
- 2Pull free reports from the official AnnualCreditReport.com site
- 3Open a starter account: secured card, authorized user, or credit-builder loan
- 4Put one small recurring charge on the card
The checklist
Your First US Tax Return: The Newcomer's Complete Primer
12 steps
- 1Determine residency: green-card test, substantial presence, or exempt student
- 2Students: file Form 8843 even with zero income
- 3File Form 1040-NR as a nonresident, Form 1040 as a resident
- 4Collect every W-2, 1099, and Form 1098-T as they arrive
The checklist
Finding Your Community: Where Indians in America Actually Connect
12 steps
- 1Treat community-building as a settlement task with a plan
- 2Join the SOS Global Indians community and introduce yourself with your city
- 3Get a public library card in week one
- 4Find your regional-language or alumni association and join its group
Money & Taxes
The checklist
NRI Tax 101: Residency, FBAR and FATCA Without the Jargon
12 steps
- 1Determine your tax residency via the green-card or substantial presence test
- 2Check whether student exempt-individual or dual-status rules apply to you
- 3Inventory every Indian account yearly with its peak balance
- 4File the FBAR with FinCEN if accounts cross the aggregate threshold
The checklist
Sending Money to India: The Complete Remittance Guide
12 steps
- 1Compare providers on total rupees received, not the advertised fee
- 2Check the mid-market rate before every significant transfer
- 3Use only licensed channels; never hawala or informal arrangements
- 4Screenshot the pre-payment disclosure for every significant transfer
The checklist
401(k), IRA and HSA: America's Three Wealth Machines, Explained
12 steps
- 1Enroll in your employer's 401(k) as soon as offered
- 2Contribute at least enough to capture the full employer match
- 3Check the vesting schedule when joining and before resigning
- 4Decide your traditional-versus-Roth split for your own scenario
Healthcare
The checklist
US Health Insurance, Decoded: HMO vs PPO, Deductibles and Enrollment
12 steps
- 1Learn premium, deductible, copay, coinsurance, out-of-pocket maximum and network
- 2Compare plans on deductible and out-of-pocket maximum, not premium alone
- 3Pick a plan type — HMO, PPO, EPO or HDHP — matching your care use
- 4Confirm your doctors and nearby hospitals are in-network
The checklist
Understanding (and Fighting) US Medical Bills: Your Federal Rights
12 steps
- 1Wait for the EOB before paying any medical bill
- 2Check the EOB: network status, service codes, patient-responsibility math
- 3Request an itemized bill and compare every line against the EOB
- 4Dispute errors in writing with the provider's billing office
The checklist
ER vs Urgent Care vs Primary Care: The Complete Decision Guide
12 steps
- 1Learn the tiers: ER, urgent care, PCP, nurse line, telehealth
- 2Call 911 without hesitation for chest pain, stroke signs, severe breathing trouble
- 3Use urgent care for same-day problems that are not dangerous
- 4Pick an in-network PCP and book the establishing visit early
Student Corner
The checklist
Top Mistakes Indian Students Make in Their First Year
12 steps
- 1Ask your DSO before any decision touching enrollment, work, or travel
- 2Confirm full-time enrollment; never drop below it without prior DSO authorization
- 3Never work off-campus without CPT, OPT, or hardship authorization
- 4Report address, program, or school changes to SEVIS promptly
The checklist
Choosing a School in America (K-12): Public, Private, Charter and Magnet
12 steps
- 1Understand that your home address determines the zoned public school
- 2Verify the zoned school on the NCES search before signing a lease
- 3Compare charter, magnet, and private options and their application windows
- 4Know your child's right to enrol regardless of immigration status
The checklist
OPT Survival Guide: Every Rule That Can End Your Work Authorization
12 steps
- 1Request the DSO's OPT recommendation before filing with USCIS
- 2File Form I-765 early, inside both application windows
- 3Check the EAD card for errors the day it arrives
- 4Never start work before the EAD validity begins
Career
The checklist
The US Resume: A Complete Rewrite Guide for Indian Professionals
12 steps
- 1Delete photo, birth date, marital status, full address, and declarations
- 2Cut to one page, reverse-chronological, with standard section headers
- 3Use a clean single-column layout that ATS software parses
- 4Rewrite every bullet as action verb plus quantified outcome
The checklist
Salary Negotiation in America: Data, Rules and the Visa Question
12 steps
- 1Accept that polite, data-backed negotiation is expected here
- 2Pull BLS wage data for your role and metro
- 3Check posted salary ranges and H-1B disclosure data
- 4Decline to name a number first; ask the budgeted range
The checklist
Laid Off on H-1B: The Complete 60-Day Playbook
12 steps
- 1Get your official employment end date in writing
- 2Download your current I-94 and check its expiration date
- 3Collect pay stubs, I-797 notices, LCAs, and green-card paperwork
- 4Consult an immigration attorney in week one
Family & Parents
The checklist
Parents Visiting America: The Complete 22-Point Checklist
22 steps
- 1Complete each parent's DS-160 truthfully in their own words
- 2Book biometrics and interview officially; check waiver eligibility for renewals
- 3Prepare ties-to-India evidence: property, pension, bank records, family at home
- 4Write the invitation letter: relationship, purpose, duration, stay, funding
The checklist
Visitor Medical Insurance for Parents: How the Products Really Differ
12 steps
- 1Decide between fixed-benefit and comprehensive plan architectures
- 2Compare plans against a worst-case hospitalization, not a normal month
- 3Read the acute-onset pre-existing clause against their actual conditions
- 4Verify policy maximum, deductible, network access and direct billing
The checklist
Green Cards for Parents (IR-5): The Complete Sponsorship Guide
12 steps
- 1Confirm you are a US citizen; naturalize first if needed
- 2Start the conversation with how your parents want to live
- 3File a separate Form I-130 petition for each parent
- 4Assemble birth certificates, citizenship proof and name-variation affidavits early
Housing & Daily Life
The checklist
Utilities, Internet and Essentials: The 20-Point Day-One Setup
20 steps
- 1Schedule electricity from move-in day; compare full disclosures where deregulated
- 2Open the gas account; ask which appliances run on gas
- 3Set up city water, sewer and trash — often needed before keys
- 4Verify internet serviceability at your exact address before signing the lease
The checklist
The US School System, Explained for Indian Parents
12 steps
- 1Check the district's own website for calendars, cutoffs and programs
- 2Gather enrollment documents: lease, utility bill, birth record, translated transcripts
- 3Reconcile Indian immunization records against the state's school requirements
- 4Know enrollment cannot be denied over immigration status or missing SSN
The checklist
Rent vs Buy in America: The Framework NRIs Actually Need
12 steps
- 1Estimate honestly how long you'll actually stay in this metro
- 2Price the full round-trip transaction costs of buying and selling
- 3Weigh H-1B mobility and green-card-queue uncertainty into your horizon
- 4Shop several lenders; visa holders can buy, underwriting policies differ
India–US Life
Key points at a glance
OCI Card FAQ: Everything Indian-Origin Americans Ask
12 key points
- 1OCI is a lifelong multiple-entry India visa, not dual citizenship
- 2It removes visa applications, stay limits and FRRO registration forever
- 3Rights follow a specified parity list; agricultural land stays off-limits
- 4No voting, government office or Indian passport comes with OCI
The checklist
Returning to India for Good: The 22-Point Master Checklist
22 steps
- 1Book a cross-border tax consultation months before the move
- 2Green-card holders: analyze exit tax before filing Form I-407
- 3Decide each retirement account's fate: keep, roll over, or withdraw
- 4Plan your landing date around RNOR status
The checklist
Owning Property in India as a US-Based NRI: The Complete Rules
12 steps
- 1Know residential and commercial purchases are freely permitted
- 2Avoid agricultural land, plantations, farmhouses — and benami arrangements
- 3Move purchase money only through Indian banking channels
- 4Keep remittance certificates and bank trails permanently
FAQs
The checklist
Travel FAQ: The Questions Every NRI Asks Before Flying
12 steps
- 1Check every traveler's visa stamp validity for the return date
- 2Verify I-20/DS-2019 travel signatures for students
- 3Confirm passports are valid well past the return date
- 4Email your attorney before booking if anything is pending
The checklist
Emergency FAQ: Who to Call in America, for What — Save This Page
12 steps
- 1Save 911 for police, fire and medical emergencies
- 2Learn to request an interpreter by naming the language in English
- 3Never delay ER care over insurance; EMTALA guarantees screening
- 4Save the 988 crisis lifeline for mental-health emergencies
Key points at a glance
Life in America FAQ: The Everyday Mechanics Nobody Teaches
12 key points
- 1Sales tax appears at checkout, not on the price tag
- 2Tipping is part of wages; table service expects it
- 3The credit file is a general trust score — build it early
- 4Transfer apps are cash-like; cards carry dispute rights
Study in America
The checklist
Applying to US Universities from India: The Complete Roadmap
12 steps
- 1Build the master calendar backwards from your target intake
- 2Shortlist 8–12 universities across ambitious, realistic and safe bands
- 3Verify every school on the official SEVP-certified list
- 4Plan English and standardized tests from each school's own policy
The checklist
Education Loans for US Study: Collateral, Co-signers and the No-Cosigner Route
12 steps
- 1Compute the true funding gap from official cost-of-attendance pages
- 2Exhaust scholarships and assistantships before sizing any loan
- 3Compare all three worlds: banks, NBFCs, no-cosigner lenders
- 4Decide the currency question from your honest post-degree plans
The checklist
Funding Your US Degree: Scholarships, Assistantships and the Real Cost Math
12 steps
- 1Price each school from its official cost-of-attendance page
- 2Chase funding in order: university aid, external scholarships, campus work, loans
- 3Find every shortlist school's international scholarship page and deadline
- 4Research which departments actually fund international students
The checklist
SAT, ACT and Your Testing Plan: US Admissions Tests from India
12 steps
- 1Build the requirements grid: which tests each shortlist school needs
- 2Get every test-taker's passport made before registering
- 3Register only through official accounts — never through agents
- 4Match your registration name to your passport exactly