Should I keep my UK workplace pension or transfer it to India?

Generally, it is better to keep your UK workplace pension growing in the UK market and supplement with Indian SIPs and NPS. UK pension transfers to India are complex, involve tax charges, and may not be beneficial. We model both scenarios and recommend the optimal strategy for your situation.

ISA vs ELSS: which should I prioritize?

If you are a UK tax resident, ISAs offer tax-free growth and should be maximized first. ELSS provides Section 80C deduction (up to 1.5 lakh) but is only useful if you have Indian taxable income. If you earn rental income or capital gains in India, ELSS becomes relevant. We help you allocate between both.

Is my UK pension taxable in India?

Under the India-UK DTAA, pension income is generally taxable only in the country of residence. If you reside in UK, your pension is taxable there. If you return to India, pension income becomes taxable in India with potential credit for UK tax already paid. We plan retirement draw-down around your residency timeline.

Can I invest in India while on a UK Tier 2 or Skilled Worker visa?

Yes. Your visa type does not affect your ability to invest in India as an NRI. As long as you are classified as an NRI under Indian tax law (182+ days outside India), you can invest through NRE/NRO accounts. We handle all KYC and compliance remotely.

I work in Germany. How are my Indian investments taxed?

Under the India-Germany DTAA, interest income attracts 10% TDS in India (vs 30% default). Capital gains on Indian mutual funds are generally taxable in your country of residence (Germany). Rental income from Indian property is taxable in both countries with credit mechanism. We optimize your ITR filing to claim all DTAA benefits.

Can NRIs in the Netherlands invest in Indian mutual funds?

Yes. Netherlands-based NRIs have full access to Indian mutual fund AMCs. The India-Netherlands DTAA provides reduced withholding rates: 10% on interest, 10% on dividends. We complete remote KYC and set up your NRE/NRO investment accounts from the Netherlands.

What about Swiss NRIs? Is there a DTAA with India?

Yes. India and Switzerland have a comprehensive DTAA. It provides reduced withholding on interest (10%) and dividends (10%). Capital gains provisions are favorable for Swiss residents. We serve several NRI families in Zurich and Geneva with Indian investment and tax planning.

How do I start investing in India from Europe?

Four steps: (1) Free consultation call to understand your country-specific situation, (2) Video KYC with passport and European address proof, (3) NRE/NRO account setup with an Indian bank, (4) Investment execution. Entire process takes 5-7 working days, completely remote.

NRI Financial Services UK & Europe | DTAA & Pension Planning | i2Finserv

Serving NRIs across London, Berlin, Amsterdam & Paris

European Expertise, Indian Financial Roots

Post-Brexit UK DTAA, EU country-specific tax treaties, pension bridging strategies, and ISA vs ELSS planning. Complex cross-border finances simplified by experts who understand both sides.

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Investment Pathway

GBP/EUR to Indian Investment Flow

Your GBP or EUR, strategically deployed in Indian markets.

Earn in GBP/EUR

Salary, pension contributions, or business income in local currency

Remit to NRE

Wire via Barclays, HSBC, Deutsche Bank, Wise, or any European bank

Invest in India

Mutual funds, SIPs, NPS, insurance, or GIFT City instruments

Grow & Repatriate

Tax-optimized returns, DTAA-protected, fully repatriable from NRE

Retirement Planning

UK Pension vs Indian Retirement Instruments

A side-by-side comparison for NRIs planning retirement across both countries.

Feature	UK Workplace Pension	Indian Options (NPS, EPF, PPF)
System Type	Workplace pension (auto-enrolment)	NPS (voluntary), EPF (if applicable)
Employer Contribution	Minimum 3% (often 5-10%)	12% for EPF; employer match in NPS optional
Returns	Market-linked, 5-8% typical	NPS 10-14% equity, EPF 8.1% fixed
Access Age	55 (rising to 57 in 2028)	60 (NPS), 58 (EPF)
Tax-Free Lump Sum	25% of pot tax-free	60% of NPS, full EPF after 5 yrs
NRI Strategy	Keep UK pension growing, supplement with Indian SIPs	Start NPS early; use DTAA on pension income

Our Services

Financial Services for UK & European NRIs

Built for the unique complexity of the UK-India and EU-India financial corridors.

Mutual Funds

Invest in top-performing Indian mutual funds from the UK or Europe. Full AMC access, remote KYC, and portfolio construction aligned with your goals.

DTAA Optimization (UK & EU)

Each European country has its own DTAA with India. We analyze UK, Germany, Netherlands, France, and other country-specific provisions to minimize your effective tax rate.

UK Pension + Indian NPS Integration

Bridge your UK workplace pension with Indian retirement instruments. We model combined retirement income from both countries and optimize draw-down strategy.

ISA vs ELSS Comparison

UK ISAs are tax-free wrappers. Indian ELSS offers Section 80C deduction. We help you allocate between both based on residence status and tax exposure.

Insurance Solutions

Term life, health, and critical illness cover designed for UK and EU NRIs. Cross-border claim assistance and comparison with local NHS/EU health coverage.

Indian Property Management

Buy, manage, or sell property in India from UK or Europe. FEMA compliance, rental income ITR filing, and repatriation of sale proceeds handled end-to-end.

Retirement & Return Planning

Planning to return to India from UK or Europe? We handle account conversion, pension transfer strategy, and resident tax transition planning.

Estate & Succession

Cross-border succession between UK/Europe and India requires careful planning. Indian will for Indian assets, coordination with UK probate or EU equivalent.

EU Country Guidance

DTAA Nuances by Country

Each EU country has its own tax treaty with India. Here are the key provisions for our most-served corridors.

Germany

India-Germany DTAA (revised 1996)

Reduced TDS: 10% on interest income (vs 30% default)
Capital gains: taxed in country of residence in most cases
Pension income: taxable in Germany, with India credit mechanism

Netherlands

India-Netherlands DTAA (2013 revision)

Dividend withholding: 10% under treaty
Interest income: 10% TDS under DTAA
Capital gains on shares: taxed where resident

France

India-France DTAA (1994)

Interest: 10% withholding, credit available in France
Capital gains on property: taxable in India + France credit
Pension: generally taxable only in France

Why Us

Why UK & European NRIs Choose i2Finserv

UK & EU Time Zone Flexibility

India is 4.5-5.5 hours ahead (GMT/CET). We schedule evening calls (IST) that land in your lunch or early afternoon.

Multi-Currency Corridor Expertise

GBP, EUR, CHF to INR. We understand remittance platforms, FX timing, and optimal transfer strategies for each currency.

Country-Specific DTAA Knowledge

UK, Germany, Netherlands, France, Switzerland each have unique DTAA provisions. We apply the right treaty to your specific income streams.

100% Remote Process

Video KYC, e-signatures, and digital portfolio management. Everything handled without visiting India or our office.

AMFI & SEBI Registered

Your investments are in SEBI-regulated mutual funds held with registered custodians. We are AMFI-registered distributors.

500+ NRI Families

A decade of serving NRI families globally. Proven track record from London to Amsterdam to Delhi NCR.

UK NRI Financial Planning: FAQs

Common questions from UK-based NRIs about DTAA, pensions, ISAs, and Indian investments.

The India-UK DTAA remains unchanged post-Brexit. It continues to provide protections against double taxation on interest (15% withholding), dividends, capital gains, and pension income. UK NRIs can claim credit for Indian taxes paid against their UK tax liability (and vice versa). We apply all eligible treaty provisions during your ITR filing.

EU NRI Financial Planning: FAQs

Questions from NRIs in Germany, Netherlands, France, Switzerland, and across the EU.

Yes. Each EU country has its own bilateral DTAA with India. Germany, Netherlands, France, Italy, Spain, and Switzerland all have different provisions for interest, dividends, capital gains, and pension income. The withholding tax rates, credit mechanisms, and exemptions vary by treaty. We analyze your specific country's DTAA and apply optimal provisions.