Here are the financial issues that NRIs might face on their return to India

If they withdraw money prematurely from their retirement account in the US, there will be a tax as well as a penalty

Placement firms in India have witnessed a spike in applications from US-based tech workers. “Around 60,000-100,000 people could be affected in the short run by changes in visa norms,” says Rituparna Chakraborty, executive president and co-founder, TeamLease Services. While jobs are available in India's tech sector, they are in emerging, specialised domains. “Those who have skills in those areas will find a job right away. As for those who need to re-skill themselves, it could take them six months to a year to find a job,” adds Chakraborty.

With H1B norms in the US  being tightened, the salary limit for