Cost of Moving to Kerala for NRIs 2026 — Complete Relocation Budget Guide

Planning your return to Kerala requires a realistic budget for relocation costs. From shipping household goods to customs duty, accommodation setup, school admissions, and vehicle purchase, this guide helps NRIs estimate their total relocation expenditure.

Indicative Relocation Cost Breakdown

All figures are indicative only and vary significantly by family size, lifestyle, and location. Verify current costs before budgeting.

Transfer of Residence (TR) Customs Exemption

• NRIs returning after 2+ years abroad can import household goods duty-free under TR rules
• One used car can be imported at concessional duty (if owned abroad for 1+ year)
• TR application must be filed within 3 months of arrival
• Goods must have been owned and used abroad for 1+ year
• Consult a qualified customs agent for current TR rules and exemptions

Property Costs (if buying/building)

• Ready apartment (Kochi/Trivandrum): ₹60L–1.5Cr
• Plot + construction (district towns): ₹40L–1Cr
• Stamp duty: 5–8% + 2% registration
• NRI home loan available up to ₹10 Crores — Check eligibility →

Tips to Reduce Relocation Costs

• Sell bulky furniture abroad rather than shipping
• Use sea freight instead of air freight for household goods
• Maximise TR exemption by proper documentation
• Buy second-hand vehicle initially before settling
• Stay with family temporarily to avoid rental costs
• Use NRI home loan to preserve liquid savings

Fund Your Return — Finance Options