Packers and Movers To and From India: What It Costs, What Customs Allows, and Where the Liability Stops
India replaced the Baggage Rules, 2016 with the Baggage Rules, 2026 on 2 February 2026. The transfer-of-residence allowance for a returning Indian who stayed abroad two years or more went from ₹2 lakh to ₹7.5 lakh. Almost every moving-company page you will read this week still quotes the 2016 numbers.
That single gap is the reason this page exists. A move to or from India turns on three questions: what the customs authority at the receiving end allows, what the shipment costs once the extras land, and what your mover is legally on the hook for when a crate arrives broken. Movers sell you the middle one. The first and third are where the money is lost.
I run an NRI property firm, not a customs brokerage or a CA practice. This page reports the rule and the general path. For your own consignment, confirm with a licensed customs broker at the port of entry and with your chartered accountant. Rates, allowances and forms change without notice.
Part 1: moving to India
The rule that changed on 2 February 2026
Notification No. 14/2026-Customs (N.T.) dated 1 February 2026, gazetted as G.S.R. 90(E), supersedes the Baggage Rules, 2016 and came into force on 2 February 2026. It rewrote transfer of residence into a single table with three duration bands and one value cap per band, replacing the older split between "used personal effects" and appliances priced one by one.
Three numbers moved at once:
| What | Baggage Rules, 2016 | Baggage Rules, 2026 |
|---|---|---|
| General free allowance, resident arriving by air or sea | ₹50,000 | ₹75,000 |
| Transfer of residence, two years or more abroad | ₹2,00,000 | ₹7,50,000 |
| Jewellery on return after a year abroad | 40g female / 20g other | 40g female / 20g other, unchanged |
The general free allowance and the transfer-of-residence allowance stack. Rule 7 grants the TR articles "in addition to what he is allowed under rule 3 or, as the case may be, under rule 5." So a returning owner in the top band carries ₹75,000 of general allowance plus ₹7.5 lakh of household articles plus used personal effects under Rule 3, plus one new laptop, plus the jewellery weight.
Appendix-I: the three bands for a returning Indian
Appendix-I applies to a resident or a tourist of Indian origin who has been working abroad or is transferring residence to India.
| Duration of stay abroad | Duty-free value of personal and household articles | Conditions |
|---|---|---|
| Three months up to twelve months | ₹1,50,000 | None stated |
| Minimum stay of one year during the preceding two years | ₹3,00,000 | Concession not availed in the preceding three years |
| Minimum stay of two years or more | ₹7,50,000 | Two years abroad immediately preceding arrival; short visits to India in those two years not exceeding six months in total; concession not availed in the preceding three years |
Two of those three conditions bend. A shortfall of up to two months in the two-year stay abroad can be condoned by a Deputy or Assistant Commissioner of Customs where the early return is on terminal leave, vacation or other special circumstances recorded in writing. Short visits running past the six-month cap can be condoned by a Principal Commissioner or Commissioner of Customs. The third condition, the three-year gap between concessions, has no relaxation at all. Appendix-I says so in terms: "For condition (iii), No relaxation."
There is a mirror table. Appendix-II gives the same ₹1.5 lakh, ₹3 lakh and ₹7.5 lakh bands to a foreigner holding a valid non-tourist visa, measured on intended stay in India rather than stay abroad. If you are an OCI card holder arriving on a long-stay basis, work out with your broker which appendix your passport and visa put you under, because the counting runs in opposite directions.
The shortfall clause nobody reads
Rule 7(4) is new and it has teeth. If you clear goods on a promised duration of stay and then fall short of it, you must inform the jurisdictional Principal Commissioner or Commissioner of Customs "without delay" and pay the duty with interest. The obligation sits on you, not on your mover, and not on the customs officer who cleared the crate.
This matters to the foreign professional under Appendix-II who clears ₹7.5 lakh of household goods on a two-year India posting and gets recalled at fourteen months. It also matters to a returning owner who clears goods, discovers the India move is not working, and leaves again.
What counts as a household article
Annexure-II is the list, and it is thirty items long: home theatre system, air conditioner, microwave oven, washing machine, gas cooking range, desktop computer, laptop or notepad, domestic refrigerator, television, dishwasher, deep freezer, video camera, vacuum cleaner, air fryer, dryer machine, air cooler, gaming console, water dispenser, oil heater, electric oven, musical instrument, tablet, small Bluetooth speakers, air purifier, dehumidifier, multifunction printer, robotic vacuum cleaner, massage chair, projector, amplifier.
The constraint that catches people is the phrase "not more than one unit each." Two televisions is one television inside the allowance and one television outside it. Two laptops, same. A house with three air conditioners ships one under Rule 7 and pays duty on two.
What never clears duty free
Annexure-I is six lines and it overrides everything else in the rules:
- Firearms
- Cartridges of firearms exceeding 50
- Cigarettes exceeding 100, or cigars exceeding 25, or tobacco exceeding 125 grams
- Alcoholic liquor or wines in excess of two litres
- Gold or silver, in any form, other than ornaments
- Television
Read line 6 twice. A television appears in Annexure-II as an eligible household article and in Annexure-I as an excluded article. The Annexure-I exclusion is written into Rule 3 and Rule 5, which govern personal effects and the general free allowance. Rule 7 then allows Annexure-II articles "other than those mentioned in Annexure-I but including articles mentioned in Annexure-II." The set-up is confusing enough that the outcome for your particular set turns on the officer at the counter. Get it in writing from your broker before the container sails, not after.
Line 5 is the one that costs real money. Jewellery you wear is jewellery. Gold coins, gold bars and silverware are gold and silver in a form other than ornaments, and they sit outside every allowance in the rules.
The duty rate above the allowance
This is the number movers never print, and it is the whole difference between a ₹40,000 surprise and a ₹4 lakh one.
For baggage articles in general and for transfer of residence alike:
- Basic customs duty: 35% ad valorem
- Integrated tax (IGST): Nil
- Social welfare surcharge: Nil
- Agriculture Infrastructure and Development Cess: Nil
So 35% flat, not 35% compounded up by cess and GST. The social welfare surcharge exemption runs on Notification No. 11/2018-Customs as amended by Notification No. 07/2025-Customs. Worth noting: a 70% baggage rate was notified on 1 February 2025 and then rescinded, so a 2025-dated page you find online may quote 70% in good faith and still be wrong today.
Timing the container
Rule 10 sets two windows and both are wider than the old advice suggests:
- Unaccompanied baggage must be in your possession abroad and dispatched within one month of your arrival in India, extendable by a Deputy or Assistant Commissioner.
- It may land in India up to two months before you arrive, and that can stretch to one year on written reasons where you were prevented from arriving by sudden illness, natural calamity, disturbed conditions or transport disruption.
A container from the US east coast to Nhava Sheva runs 35 to 50 days door to door. From the Gulf it is closer to 10 to 20. Book the sailing against the arrival date you can prove with a boarding pass, not the one on your resignation letter.
Cars
A car is not on Annexure-II. It is not household goods, and no transfer-of-residence value cap covers it. Vehicle import into India runs on the Foreign Trade Policy and the ITC(HS) import licensing schedule, needs a licence or NOC route through the DGFT where applicable, and the vehicle has to satisfy right-hand-drive and roadworthiness conditions and land at a notified port. Duty is payable at the applicable tariff rate on a car, which is a different and much larger arithmetic than the 35% baggage rate.
The short version: assume you are selling the car. If you want to test the exception, price it with a customs broker before you ship, because the duty on a mid-range car has been known to exceed what the same car sells for in India.
Pets
Rule 9 defers to whichever ministry regulates the import, which in practice means the DGFT and the Animal Quarantine and Certification Service. The customs FAQ on the 2026 rules allows a resident, a tourist of Indian origin or a non-tourist visa holder to import two pets, cat or dog, in connection with transfer of residence after a stay abroad of two years or more, against an advance NOC or a DGFT authorisation. Start that paperwork before the flight, not at the cargo terminal.
Part 2: moving out of India
What India will not let you take
The Antiquities and Art Treasures Act, 1972 bars export of an antiquity by anyone other than the Central Government or its agencies. An antiquity is anything, a coin, sculpture, painting, epigraph or work of craftsmanship, that has existed for 100 years or more. For a manuscript, record or document the threshold is 75 years.
This is not a theoretical risk in an Indian household move. A brass lamp from a grandmother's house, a palm-leaf manuscript, a framed nineteenth-century print: any of these can stop a shipment at the port. The Archaeological Survey of India runs Expert Advisory Committees that issue non-antiquity certificates, and ASI officers sit at the major sea and air exit points to help customs tell an antique from a reproduction. If a piece is old and you want it, get the certificate before the packers arrive.
The other two export choke points are ordinary and easy to miss. Wooden crates and pallets leaving India need ISPM-15 heat-treatment or fumigation marking or the destination will refuse the packaging, and currency out of India runs on the Foreign Exchange Management (Export and Import of Currency) Regulations, 2015, which Rule 8 of the Baggage Rules points to.
The receiving country decides, not your mover
Six corridors carry most Indian household moves. Each has one form and one qualifying rule, and getting it wrong costs storage, demurrage and duty.
| Destination | Relief | The rule that decides it |
|---|---|---|
| United States | CBP Form 3299, Declaration for Free Entry of Unaccompanied Articles | Household effects used abroad not less than one year by a family of which you were a resident member for at least a year during that use. Personal effects acquired abroad and used under a year are dutiable. |
| United Kingdom | Transfer of Residence relief, form ToR01, giving a URN | Resident outside the UK 12 consecutive months, goods owned and used 6 months, imported within 12 months of moving. Approval must be obtained before you claim. Customs procedure code 40 00 C01. |
| United Arab Emirates | Personal-effects exemption at Dubai Customs | Used personal and household items of a national returning or a foreigner arriving for first residence. A valid residence visa, goods used not new. New items in original packaging are taxed on invoice value. |
| Canada | BSF186 Personal Effects Accounting Document | Settlers import under tariff item 9807.00.00, goods owned, possessed and used abroad before arrival. A person who lived in Canada for 12 months or more before that is a former resident under 9805.00.00 instead, which is a different test. |
| Australia | B534 Unaccompanied Personal Effects statement | Returning citizen or long-stay or permanent visa holder resuming residence after more than 12 months outside Australia. Every household shipment gets some level of biosecurity inspection, and inspection is chargeable. |
| Singapore | GST relief on used household articles, via an online Declaration of Facts | Owned, used and in your possession at least 3 months, and not sold or given away within 3 months of arrival. The DOF must be filed before importation. Liquor, tobacco and motor vehicles pay regardless. |
The UK is where Indian moves fail most often, and the failure is procedural rather than substantive. ToR relief needs HMRC approval and a unique reference number before the goods are declared. Ship first and the shipment lands without a URN, which produces an import duty bill and an agent's administration charge on goods that would have entered free. Apply for the ToR01 the week you book the survey.
Australia is where they cost the most. Biosecurity is not a formality. Cane furniture, wooden carvings, unsealed spices, garden tools with soil on them and anything with plant material attached will be pulled, and treatment or destruction is billed to you.
Part 3: what it costs
Inside India
There is no audited price index for Indian household moving. What follows is the advertised range across the larger aggregators as at August 2026, which is a real market signal and not a survey. Treat it as the band a genuine quote should land in, and treat a quote far below it as the warning it is.
Local move, same city, all in before GST
| Home size | Packing | Labour | Transport | Total |
|---|---|---|---|---|
| 1 BHK | ₹1,300 to ₹3,500 | ₹1,100 to ₹3,000 | ₹1,600 to ₹4,500 | ₹4,000 to ₹11,000 |
| 2 BHK | ₹1,600 to ₹4,600 | ₹1,400 to ₹4,400 | ₹3,500 to ₹7,000 | ₹6,500 to ₹16,000 |
| 3 BHK | ₹3,200 to ₹6,500 | ₹2,800 to ₹5,500 | ₹4,000 to ₹8,000 | ₹10,000 to ₹20,000 |
Intercity move, by distance band
| Home size | 100 to 350 km | 2,300 to 3,000 km |
|---|---|---|
| 1 BHK | ₹11,000 to ₹21,000 | ₹23,450 to ₹36,700 |
| 2 BHK | ₹15,000 to ₹25,000 | ₹29,300 to ₹45,850 |
| 3 BHK | ₹18,000 to ₹30,000 | ₹35,250 to ₹54,640 |
| 4 BHK or villa | ₹22,500 to ₹34,500 | ₹41,000 to ₹60,000 |
Expressed per kilometre, the same market quotes ₹25 to ₹30 for a 1 BHK load, ₹30 to ₹40 for a 2 BHK, ₹40 to ₹55 for a 3 BHK and ₹55 to ₹75 for a villa, with the rate drifting up on the longer bands rather than down.
A car moves for ₹5,500 to ₹14,000 up to 750 km and ₹11,000 to ₹30,000 on the long bands depending on whether it is a hatchback or an SUV. A motorcycle under 150cc moves for ₹2,000 to ₹5,500. Warehousing runs ₹3,000 a month for a 1 BHK load and ₹6,500 for a 4 BHK load.
Out of India, and back in
International household moves price on volume and lane, not on distance.
| Shipment | Typical band |
|---|---|
| 2 to 3 bedroom household, 20ft full container from India | USD 3,500 to 7,500 |
| 3 to 4 bedroom household, 40ft full container from India | USD 6,500 to 13,000 |
| 20ft container, Dubai to India | AED 7,000 to 12,000 |
| 20ft container, Dubai to UK or Europe | AED 18,000 to 25,000 |
| 20ft container, Dubai to USA or Canada | AED 24,000 to 34,000 |
| 20ft container, USA to India, door to door | USD 3,800 to 6,500 |
| 20ft container, USA to India, port to port | USD 2,500 to 4,500 |
Sea door to door between India and North America runs 35 to 50 days. Air freight prices around USD 3 per kg on a 150 to 500 kg consignment and moves in 8 to 10 days. Express courier prices around USD 5 per kg under 150 kg and moves in about 3 days. For a single-person move of eight to twelve boxes, air often beats a shared container once you price the destination handling.
The number to hold on to: a port-to-port quote is not a move. Destination terminal handling, customs clearance, quarantine or biosecurity inspection, delivery to the door, unpacking and debris removal all sit outside it. The gap between a port-to-port and a door-to-door quote on the same container runs USD 1,300 to 2,000 on the US lane alone.
GST, and the two rates that are both correct
A full-service move, where the company packs, loads, carries, unloads and unpacks, is a bundled service and attracts 18% GST. Transport alone by a goods transport agency attracts 5% without input tax credit, with an option to pay a higher rate and take credit. Multimodal transport of goods, where at least two modes are used, was set at 5% with restricted input tax credit or 18% with full credit, effective 22 September 2025.
Which means one mover can quote you 5% GST and another 18% GST for what looks like the same job, and neither is lying. The difference is whether packing and handling are inside the contract. A 5% invoice on a full pack-and-move is a mis-declaration, and the exposure lands on the invoice you are holding.
Insurance, and what the premium buys
Two products, and the gap between them goes unexplained:
- Transit insurance, around 1.5% of declared value plus tax. Covers the named perils in the policy.
- All-risk cover, around 3% of declared value plus tax. Covers origin to destination including packing, loading, transit, unloading and unpacking, and picks up handling errors, road accidents, theft and natural calamity.
On a ₹15 lakh declared value that is ₹22,500 against ₹45,000. Pay the difference. The claim documents you will need are the policy, the original invoice or bill of lading, the packing inventory, photographs of the damage, a surveyor's report and proof of value, and claims run 15 to 30 days once the file is complete.
The inventory is the document that decides the claim. Photograph every room before packing and photograph the inventory sheet the crew writes. A claim on an item that never appears on the inventory is a claim against nothing.
Part 4: the liability trap
Here is the clause that changes how you read a mover's quote.
The Carriage by Road Act, 2007 regulates common carriers of goods by road in India. Section 3 makes it an offence to run a common-carrier business without a certificate of registration. Section 8 requires you, the consignor, to execute a goods forwarding note that "shall include a declaration about the value of the consignment." Section 9 requires the carrier to issue a goods receipt carrying its undertaking on liability.
Then the limit. Under Section 10 read with the Carriage by Road Rules, 2011, the carrier's liability for total loss is capped at ten times the freight paid or payable, and in any case not above the value declared in the goods forwarding note. Liability is computed on the actual freight collected or 90% of total charges excluding taxes on the goods receipt, whichever is higher. Section 11 lets a carrier charge a higher risk rate and accept a wider liability by agreement, which is what you want and what nobody offers unprompted.
Work the arithmetic on a real move. You pay ₹35,000 to move a 3 BHK from Pune to Bengaluru. The truck burns. Your household was worth ₹18 lakh. The statutory cap is ten times ₹35,000, which is ₹3.5 lakh, and it is further capped at the value you declared in the goods forwarding note. If you declared nothing, you are arguing about a number you never wrote down.
Three consequences:
- Declare the value in the goods forwarding note. Not in the WhatsApp thread. In the note.
- Ask for the goods receipt and keep it. It is the document that carries the liability undertaking, and the one your claim runs on.
- Notice is time-barred. Section 16 bars a suit against a common carrier unless written notice of the loss or damage is served within 180 days from the date of booking. Miss that and the merits stop mattering.
Part 5: how to check a mover before you pay a rupee
Six checks. All six are free and five take under ten minutes.
1. The GST number. Ask for the GSTIN on the quote and put it into the search on the GST portal. It returns the legal name, the registration status and the state. A mismatch between the trading name on the website and the legal name on the GSTIN is not fatal by itself, and it is the first thing you want to know.
2. The Carriage by Road registration. Ask for the certificate of registration as a common carrier. A mover that cannot produce one is operating outside Section 3 of the Act, and the same casualness will show up in your goods receipt.
3. The corporate identity. If it is a company, the CIN gives you incorporation date, registered office and directors on the MCA portal. A "twenty years of experience" claim against a two-year-old CIN is the whole conversation.
4. IBA registration, if claimed. The Indian Banks' Association registers transport operators for its member banks, and the credential is real. It also expires. IBA runs a "Search for Transport Operator" facility where you check the operator name, code, state and city. Verify the current status rather than the certificate photograph on the website.
5. FIDI FAIM or IAM, for an international move. These are the two credible international moving accreditations. FAIM is audited by an outside party on a fixed cycle. Ask for the current certificate and check it against the association's own member directory, not the mover's.
6. The physical address. Call the landline, then look up the address. A national brand operating from a residential flat with a mobile number is a booking agent who will hand your load to a sub-contractor you never met and never approved.
The name problem, named
Indian moving has a specific reputational defect worth understanding before you search. Multiple firms trade under the same well-known surnames, and a further layer of operators clone the names, websites and review profiles of established companies. Police cases have been reported involving fake websites set up under the name of a well-known movers-and-packers brand, used to take bookings and take goods. Separately, in one long-running case the same family brand was split between brothers, so two genuine companies operate under near-identical names.
The practical response: never book from a search advertisement or an aggregator lead form alone. Get to a company's own domain, verify the GSTIN on it, and pay to a bank account in the same legal name the GSTIN returns.
Part 6: the four failure modes, named
The bait quote. A number 40% under the market comes over the phone, without a survey, and is confirmed on WhatsApp. On loading day the volume is "more than estimated" and the price doubles with your sofa already on the truck. The defence is a written, itemised quote after a physical or video survey, with the volume in cubic feet stated on it.
The hostage load. The truck reaches the destination city and the delivery is held against a demand that was never in the quote. This is not a commercial dispute. Withholding goods to extract a payment is a criminal act, and paying under pressure weakens both the criminal complaint and the consumer case. Call the police station with jurisdiction over the delivery address, and file the consumer complaint after.
The advance that vanishes. A large advance is taken to an account in a name that does not match the company, and the number stops answering. Cap the advance at 10% to 20%, pay to the account in the legal name on the GSTIN, and pay the balance after delivery and inspection.
The sub-contracted stranger. You book a brand and a truck arrives with a different name on it, a crew nobody briefed and no inventory sheet. Ask before booking whether the job is executed in-house or sub-contracted, and get the answer in writing. It changes who your claim runs against.
Part 7: if it goes wrong
The route runs in this order, and skipping a step costs you time rather than saving it.
- Write to the mover. State the loss, attach the inventory and photographs, and give a deadline. This becomes annexure one of everything that follows.
- Serve notice under the Carriage by Road Act. Written notice of loss or damage, within 180 days of the date of booking. Send it by a mode that produces proof of service.
- File the insurance claim with the policy, invoice or bill of lading, inventory, photographs, surveyor's report and proof of value.
- National Consumer Helpline, 1800-11-4000, for a mediated first attempt.
- e-Daakhil, the consumer commission e-filing portal, if that fails. Under the Consumer Protection (Jurisdiction) Rules, 2021, the District Commission hears complaints where the consideration paid is up to ₹50 lakh, the State Commission from ₹50 lakh to ₹2 crore, and the National Commission above ₹2 crore. A household move is a District Commission matter.
- A police complaint where goods are held against payment, or where an advance was taken by a company that then disappeared.
Part 8: the twelve-week sequence
| When | What |
|---|---|
| Week 12 | Decide sea against air. Decide what the flat you are leaving does next: sold, let, or held empty. |
| Week 10 | Three surveys, physical or video. Written itemised quotes with volume stated. Verify GSTIN, CIN and carrier registration on all three. |
| Week 9 | Apply for the destination relief. UK ToR01 for the URN. Singapore Declaration of Facts. Anything needing prior approval starts now. |
| Week 8 | ASI non-antiquity certificate for anything old, if you are shipping out of India. DGFT and quarantine paperwork if a pet is moving. |
| Week 6 | Book the sailing against your provable arrival date. Confirm the insurance product and the declared value in writing. |
| Week 4 | Cancel or transfer utilities, broadband, gas, society dues. Get the society no-dues letter. Redirect post. |
| Week 2 | Photograph every room. Set aside the documents, jewellery and medication that travel with you, not in the container. |
| Move week | Sign the goods forwarding note with the declared value on it. Collect the goods receipt. Photograph the inventory sheet the crew writes. |
| Arrival | Inspect before signing the delivery note. Note damage on the note itself. Photograph before unpacking. |
The flat at the other end
A household move is the easy half. The hard half is the property you leave behind or come back to, and it is the half nobody sells you a quote for.
If you are leaving India, the flat becomes a remote asset the day the container sails. An empty flat is the expensive non-decision: it accrues society maintenance, property tax and risk, and it earns nothing. The alternative is letting it from abroad, which is its own set of problems and at least pays for itself. If you are moving back, the flat has a tenant, a lease, a deposit and a set of dues to unwind on a timetable that has nothing to do with your shipping date, and the returning-owner checklist sequences that against your RNOR window.
One thing worth settling before you board: who signs in India while you are in transit. A shipment needs someone at the port, a society needs someone at the desk, and a bank needs a signature. You can do most of it without handing anyone a general power of attorney.
That is the work we do, and I am telling you so you can discount this section. We hold keys in six cities, stand in society offices and send the owner a dated report every month. The cost of that is on the page, and the same six checks you ran on your mover apply to checking a property manager: registration, legal name, and where the money lands.
FAQ
How much has the transfer of residence allowance for India changed in 2026?
It went from ₹2 lakh to ₹7.5 lakh for a returning Indian who stayed abroad two years or more. The Baggage Rules, 2026, notified as Notification No. 14/2026-Customs (N.T.) on 1 February 2026, came into force on 2 February 2026 and superseded the Baggage Rules, 2016. The general free allowance also rose from ₹50,000 to ₹75,000. Two lower TR bands exist: ₹1.5 lakh for a stay of three to twelve months abroad, and ₹3 lakh for a minimum stay of one year during the preceding two years.
What duty do I pay on household goods above the India allowance?
35% basic customs duty ad valorem, with nil integrated tax, nil social welfare surcharge and nil Agriculture Infrastructure and Development Cess. The same 35% applies to baggage articles in general and to transfer of residence. A 70% baggage rate notified in February 2025 was rescinded, so older pages quoting 70% are wrong.
Can I bring my car to India under transfer of residence?
No. A car is not on Annexure-II of the Baggage Rules, 2026, so no transfer-of-residence value cap covers it. Vehicle import runs on the Foreign Trade Policy and the ITC(HS) licensing schedule, needs the DGFT route where applicable, must satisfy right-hand-drive and roadworthiness conditions, and pays duty at the tariff rate for a car rather than the 35% baggage rate. Price it with a customs broker before you decide.
How long can my shipment take to reach India?
Unaccompanied baggage must be dispatched within one month of your arrival in India and may land up to two months before you arrive. Both windows are extendable by customs on written reasons, and the second can stretch to one year where illness, natural calamity or transport disruption prevented you from arriving. Sea transit between India and North America runs 35 to 50 days door to door.
What is a packers and movers company legally liable for in India?
Under Section 10 of the Carriage by Road Act, 2007 read with the Carriage by Road Rules, 2011, liability for total loss is capped at ten times the freight paid or payable, and cannot exceed the value you declared in the goods forwarding note. Section 11 lets a carrier accept wider liability at a higher risk rate by agreement. Written notice of loss or damage must be served within 180 days of the date of booking under Section 16.
Is GST on packers and movers 5% or 18%?
Both rates exist and which one applies depends on the contract. A full-service move that includes packing, loading, unloading and unpacking is a bundled service at 18%. Transport alone by a goods transport agency is 5% without input tax credit. A 5% invoice raised on a full pack-and-move job is a mis-declaration and the exposure sits with the invoice holder.
What can I not ship out of India?
Any antiquity, meaning an object 100 years old or more, or a manuscript, record or document 75 years old or more, cannot be exported except by the Central Government or its agencies under the Antiquities and Art Treasures Act, 1972. The Archaeological Survey of India issues non-antiquity certificates through Expert Advisory Committees, and ASI officers sit at the major exit points. Currency export runs under the FEMA currency regulations of 2015.
Do I need approval before shipping household goods to the UK?
Yes. UK Transfer of Residence relief needs HMRC approval before you claim it. You apply on form ToR01 and receive a unique reference number that your shipping agent quotes on the customs declaration under procedure code 40 00 C01. You must have been resident outside the UK for 12 consecutive months, have owned and used the goods for 6 months, and import them within 12 months of moving. Without a valid URN at declaration you get an import duty bill and an agent's administration charge.
How much insurance should I take on a household move in India?
All-risk cover at around 3% of declared value plus tax, rather than named-peril transit cover at around 1.5%. All-risk runs origin to destination and includes packing, loading, unloading and unpacking, and covers handling errors, road accidents, theft and natural calamity. On a ₹15 lakh declared value the difference is about ₹22,500. Your claim will turn on the packing inventory, so photograph it.
How do I check whether a mover is genuine?
Verify the GSTIN on the GST portal and check the legal name it returns against the trading name. Ask for the certificate of registration as a common carrier under the Carriage by Road Act, 2007. Check the CIN on the MCA portal against any claim about years in business. Verify an IBA claim on the IBA's own Search for Transport Operator facility, since the registration expires. For an international move, check FIDI FAIM or IAM membership in the association's directory rather than on the mover's site. Then pay to a bank account in the same legal name the GSTIN returned.
Saurabh Garg, founder, 66 MG Road
Sources
Primary
- Notification No. 14/2026-Customs (N.T.) dated 1 February 2026, G.S.R. 90(E), Baggage Rules, 2026, full text with Annexures and Appendices: referencer.in/Baggage_Rules/Baggage_Rules_2026.aspx
- CBIC FAQ on the Baggage Rules, 2026, including transfer of residence conditions, unaccompanied baggage and pets: referencer.in/Baggage_Rules/FAQ_Baggage_Rules_2026.aspx
- Press Information Bureau, Government notifies Baggage Rules, 2026 and the Customs Baggage (Declaration and Processing) Regulations, 2026: pib.gov.in
- The Carriage by Road Act, 2007, India Code bare act: indiacode.nic.in
- The Antiquities and Art Treasures Act, 1972, Ministry of Culture: indiaculture.gov.in
- HMRC, Transfer of residence to Great Britain, form ToR01 and the URN: gov.uk/guidance/transfer-of-residence-to-great-britain
- CBSA Memorandum D2-2-1, Settlers' Effects, tariff item 9807.00.00: cbsa-asfc.gc.ca
- CBSA Memorandum D2-3-2, Former Residents of Canada, tariff item 9805.00.00: cbsa-asfc.gc.ca
- Singapore Customs, importing used household articles and personal effects: customs.gov.sg
- Dubai Customs, customs duty exemptions and clearance of personal effects: dubaicustoms.gov.ae
- Department of Agriculture, Fisheries and Forestry, Australia, moving or importing personal effects and household goods: agriculture.gov.au
- CBP Form 3299, Declaration for Free Entry of Unaccompanied Articles: cbp.gov
- 19 CFR Part 148, Personal Declarations and Exemptions: ecfr.gov
- Press Information Bureau, Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021: pib.gov.in
- Press Information Bureau, FAQs on the decisions of the 56th GST Council: pib.gov.in
Named secondary
- SCC Online, Baggage Rules 2026: key provisions, allowances and duty-free limits: scconline.com
- TaxGuru, CBIC notifies Baggage Rules, 2026: taxguru.in
- TaxGuru, Carriage by Road Rules, 2011, a gist, for the ten-times-freight liability computation: taxguru.in
- Arthapedia, Carriage by Road Act, 2007: arthapedia.in
- TaxGuru, IGST rate amendments on services from 22 September 2025, for the multimodal transport rate: taxguru.in
- movingsolutions.in, movers and packers charges, rates and price list, for the advertised domestic price bands: movingsolutions.in
- NoBroker, packers and movers charges per km, for the per-kilometre and vehicle bands: nobroker.in
- MoverDB, international container shipping rates chart, August 2026: moverdb.com
- Freightos, shipping from India to the United States, for lane transit times and air freight per kg: freightos.com
- SFL Worldwide, shipping household goods from the USA to India, for the door-to-door and port-to-port container bands: sflworldwide.com
- movingsolutions.in, IBA approved packers and movers, for the IBA Search for Transport Operator facility: movingsolutions.in
- NoBroker, packers and movers fraud, for the cloned-brand and hostage-goods patterns: nobroker.in
Two sources we could not read for this piece: the National Consumer Helpline's own packers-and-movers FAQ page and the CBP help article on moving household goods both refused automated requests on 19 August 2026. The helpline number and the CBP form are cited from the primary form and the published regulation instead.