UK–India Tax, FEMA & Financial Advisory for NRIs & OCIs.
From April 2025 non-dom reforms and RNOR sequencing to ISA, SIPP and the India-UK DTAA — a single playbook for OCIs, ILR holders and British Indians moving money or moving home.
The five things UK-based NRIs and OCIs ask about most.
India-UK DTAA
Article-by-article positions for employment, pensions, dividends, capital gains and FTC claims.
April 2025 non-dom changes
End of remittance basis. Four-year FIG regime, IHT exposure on worldwide assets after 10 years.
RNOR sequencing on return
Two to three Indian tax years to repatriate, restructure and disclose without global-income exposure.
ISA and pension treatment
ISAs lose shelter in India; SIPP draws taxed under DTAA Article 19/20 with source-state rules.
UK IHT exposure
Long-term UK residents face IHT on worldwide assets — Indian property included once deemed-domicile triggers.
How UK-based clients typically engage us.
Return-to-India planning call
RNOR window, ISA/SIPP sequencing, asset migration and Schedule FA before you fly.
Non-dom transition review
Model your position under the post-2025 FIG and rebasing rules with India residency in mind.
UK IHT and structuring review
Trusts, gifting and Indian-asset positioning for British Indian families.
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 UK-based NRIs and OCIs.
The remittance basis ended on 6 April 2025. New arrivals get a four-year Foreign Income and Gains (FIG) regime, after which worldwide income and gains are taxable in the UK. Long-resident non-doms face IHT on worldwide assets after 10 of the last 20 years. Most India-linked clients should re-base and consider RNOR-aligned exits in 2025-2027.
You can keep an existing ISA, but you cannot contribute once you are no longer UK-resident. ISAs grow tax-free in the UK only — India taxes interest, dividends and gains once you are ordinarily resident. Most returnees liquidate and redeploy ISA balances during the RNOR window before Indian tax bites.
Under the India-UK DTAA Article 19/20, government pensions are usually taxed only in the source state, while private pensions and SIPP drawdowns are typically taxed in the residence state (India), with FTC for UK tax paid. Lump sums and uncrystallised pension transfers need a separate plan — get a written position before you draw.
If you are tax-resident in both countries under domestic law, Article 4 applies four tie-breakers in order: permanent home, centre of vital interests, habitual abode, nationality. Most returnees fall on the Indian side once they shift family and economic ties. Get a written residency position before filing in either country.
Plan your UK–India money moves with a CA-led team.
One 20-minute call. A written plan covering residency, FEMA, repatriation and tax.