Singapore–India Tax, FEMA & Financial Advisory for NRIs & OCIs.
CPF treatment, the India-Singapore DTAA, remittance basis nuance and cross-border investment structuring for OCIs, PRs and Singapore citizens of Indian origin.
The five things Singapore-based NRIs and OCIs ask about most.
CPF on return to India
PR-to-citizen and PR-renunciation withdrawal rules; tax treatment in India for lump-sum and annuity flows.
India-Singapore DTAA
Article-by-article positions for employment, pensions, capital gains and FTC claims — including the 2017 protocol on capital gains.
Remittance and structuring
Singapore taxes on a quasi-territorial basis; planning around foreign-sourced income and India remittance.
Investment structuring
Holding Indian-listed shares, MFs and PMS via Singapore — TRC, beneficial ownership and GAAR positions.
Indian property and TDS
20-30% TDS on sale by NRIs from Singapore, repatriation forms and Section 197 route.
How Singapore-based clients typically engage us.
Return-to-India strategy call
CPF withdrawal, RNOR window, asset migration and FEMA setup before you fly.
Cross-border investment review
Structure India MF, PMS, AIF and listed-equity holdings around the India-Singapore DTAA.
Indian property exit review
TDS, capital gains and repatriation for Singapore-based OCIs selling Indian property.
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 Singapore-based NRIs and OCIs.
Singapore citizens cannot withdraw CPF except under specific rules (e.g. age 55 with Retirement Sum met). PRs who renounce status can withdraw their full balance. India taxes CPF accruals and withdrawals once you are ordinarily resident, with DTAA relief. RNOR years are the cleanest window for lump-sum withdrawal and redeployment.
Under the 2017 protocol, capital gains on shares acquired after April 2017 are taxable in the source country (India). Pre-April 2017 acquisitions enjoyed grandfathering. Real estate gains are always taxable in the country where the property is located. Use a Tax Residency Certificate and Form 10F to claim treaty positions.
Singapore generally does not tax foreign-sourced income of individuals unless it is received in Singapore through a partnership. For most OCIs working in Singapore, Indian rental income, MF gains and dividends are not taxable in Singapore. Indian tax, FEMA and Schedule FA still apply once you become an Indian tax resident.
Yes. To claim relief under the India-Singapore DTAA, you must furnish a TRC from IRAS plus Form 10F filed online with the Indian Income Tax portal. Without these, treaty rates do not apply and TDS is deducted at the higher domestic rate. Renew the TRC annually and store proof against future Indian assessments.
Plan your Singapore–India money moves with a CA-led team.
One 20-minute call. A written plan covering residency, FEMA, repatriation and tax.