Australia–India Tax, FEMA & Financial Advisory for NRIs & OCIs.
Superannuation taxation, CGT on emigration and RNOR sequencing for OCIs, PRs and Australian citizens of Indian origin returning home or holding India-linked assets.
The five things Australia-based NRIs and OCIs ask about most.
Superannuation on return to India
Lump-sum vs pension-phase withdrawal, preservation age and DTAA treatment in the year of return.
RNOR window planning
Two to three Indian tax years to draw down super, sell Australian property and migrate funds.
India-Australia DTAA
Article-by-article positions for pensions, employment, capital gains and FTC claims.
CGT on emigration
Australia taxes deemed disposal of non-Taxable Australian Property when you cease residency. Plan around shares and ETFs.
Indian property and TDS
20-30% TDS on sale by NRIs, repatriation limits and Form 15CB/15CA from an India CA.
How Australia-based clients typically engage us.
Return-to-India strategy call
Super sequencing, RNOR window, asset migration and FEMA setup before you land.
CGT and emigration review
Model deemed disposal across shares, ETFs and crypto with India residency in mind.
Indian property exit review
TDS, capital gains and repatriation for OCIs selling property in India from Sydney or Melbourne.
Why NRIs trust us with their India money.
Led by Regi Tom Antony, FCA — Regional CFO, Board Member and NRI Tax Specialist. Advisory is delivered through RTA & Associates, an ICAI-registered Chartered Accountant firm with 30+ years of cross-border practice.
Common questions from Australia-based NRIs and OCIs.
Under the India-Australia DTAA, superannuation pensions are generally taxable only in Australia. Lump-sum withdrawals taken after preservation age (60) are tax-free in Australia and, during RNOR, not taxable in India. Once you become ordinarily resident in India, accruals and withdrawals can become taxable in India with FTC for Australian tax.
When you cease to be an Australian tax resident, Australia deems you to have disposed of CGT assets that are not Taxable Australian Property (mainly real estate and business assets) at market value. You can elect to defer the gain until actual sale, but ongoing Australian taxation continues. Plan around large share and ETF positions before departure.
If you are an Indian tax resident (182+ days), yes. RNOR status keeps your foreign income outside the Indian tax net during the transition. Once ordinarily resident, global income is taxable in India with FTC under the DTAA. Foreign assets, including super, must be disclosed in Schedule FA from year one.
Resident but Not Ordinarily Resident is a transitional Indian tax status that keeps your foreign income outside the Indian tax net. You qualify if you were non-resident in 9 of the last 10 years, or stayed in India 729 days or less in the prior 7 years. It typically lasts 1-3 financial years after you return, depending on day count.
Plan your Australia–India money moves with a CA-led team.
One 20-minute call. A written plan covering residency, FEMA, repatriation and tax.