New Zealand–India Tax, FEMA & Financial Advisory for NRIs & OCIs.
KiwiSaver and FIF treatment, RNOR sequencing and the India-NZ DTAA — for OCIs, residents and Indian-origin Kiwis planning India-linked moves.
The five things New Zealand-based NRIs and OCIs ask about most.
KiwiSaver on return to India
Locked until 65 unless you meet permanent emigration rules. Withdrawal taxation under DTAA needs structure.
FIF regime for Indian assets
Indian MFs, shares and unit trusts trigger Foreign Investment Fund rules above NZD 50K — FDR, CV or comparative-value methods.
RNOR window planning
Two to three Indian tax years to draw down KiwiSaver, restructure and migrate funds without global-income exposure.
India-NZ DTAA
Pensions, employment and capital gains article positions; FTC across both sides.
Indian property and TDS
20-30% TDS on sale by NRIs from Auckland or Wellington — repatriation forms and CA certificate required.
How New Zealand-based clients typically engage us.
Return-to-India strategy call
KiwiSaver, FIF cleanup, RNOR window and FEMA setup before you board.
FIF disclosure review
Reconcile Indian MF and share holdings against your NZ filings — FDR vs CV election.
Indian property exit review
TDS, capital gains and repatriation for OCIs selling Indian property from NZ.
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 New Zealand-based NRIs and OCIs.
KiwiSaver remains in New Zealand and is generally locked until age 65. If you permanently emigrate to a country other than Australia, you can withdraw after one year (less any government and employer contributions). Withdrawals are tax-free in NZ. India taxes accruals and withdrawals once you are ordinarily resident, with DTAA relief.
Yes. If the total cost of your foreign equity investments exceeds NZD 50,000, the Foreign Investment Fund regime applies. The default Fair Dividend Rate taxes 5% of opening value per year. Indian mutual funds, shares and unit trusts are caught. Comparative-value or cost methods may apply to specific assets.
Almost always. 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, you qualify for Resident but Not Ordinarily Resident status. It typically lasts 1-3 financial years and shelters most foreign income from Indian tax during the transition.
Under the India-NZ DTAA, government pensions are taxed in the source country; private pensions are typically taxed in the residence country (India) once you are ordinarily resident. NZ Super is portable to India under reciprocal arrangements with reduced rates. FTC is available for any source-state tax paid.
Plan your New Zealand–India money moves with a CA-led team.
One 20-minute call. A written plan covering residency, FEMA, repatriation and tax.