Our 360° UK-India Financial Review looks at the bigger picture — your finances, family and future plans, and how they connect across tax, residency, pensions, investments, property, inheritance and reporting.
Fees start at £1,285 — depending on complexity. Ongoing support is included within the scope of the review.
Who the review is for
- UK nationals moving to India, or already living there
- NRIs in the UK, or moving back to India
- NRIs & UK nationals with pensions or investments across the UK or India
- Families with assets in both countries
- Business owners operating between the UK and India
What the review covers
Every review is tailored to your situation. Depending on your circumstances, it can cover:
- UK pensions — workplace schemes, SIPPs and the State Pension
- UK investments, ISAs and property
- Indian investments — fixed deposits, mutual funds and real estate
- Business interests in both countries
- Currency exposure and foreign exchange risk
- Moving money between India and the UK compliantly
- UK-India compliance — tax reporting, foreign asset disclosures and applicable foreign exchange requirements
- Insurance, protection, liquidity and cash flow planning
Taken together, these areas expose what fragmented advice misses — and lead to practical, prioritised recommendations.
Savings & Investments
Savings and investments that were tax-efficient in one country may no longer be tax-efficient after you move. Your review considers:
- How a change in tax residency affects your existing arrangements
- The tax treatment of your income and gains after the move
- Whether your savings and investments still suit your plans
- Moving to India — whether you qualify for RNOR status, how to make the most of it, and what changes when it ends
- Moving to the UK — the foreign income and gains (FIG) regime, which since 6 April 2025 can exempt foreign income and gains during your first four UK tax years
Whichever applies to you, the key is making the right decisions before the window closes — once it does, the opportunity is gone.
Cross-border tax planning & residency advice
The two countries apply different rules to residency, worldwide income, capital gains and asset taxation. Your review analyses your position under both:
- UK income tax, National Insurance and capital gains tax exposure
- Tax treatment of foreign income in India
- NRI and RNOR tax status in India
- How the UK-India Double Taxation Agreement applies to you
- Reporting and compliance obligations in both countries
- Future tax planning if you relocate
UK pension planning for NRIs & UK nationals
UK pensions are often the largest asset — and where you retire affects how they're taxed, drawn and spent. The review can assess:
- Tax treatment of UK pensions for residents of India
- UK State Pension entitlement and uprating rules
- Timing of withdrawals and lump sums
- Long-term retirement income sustainability
- Currency risk when spending in rupees
- Healthcare and later-life planning
Considering a formal scheme transfer? Read our guide on how to transfer a UK pension to India through QROPS for eligibility, tax treatment and the process.
UK-India Inheritance & succession planning
The UK has inheritance tax; India has no estate duty but applies its own succession and family law requirements. Your review can consider:
- UK inheritance tax exposure on worldwide assets
- Indian succession law and family law requirements
- Coordinating wills in both countries
- Nomination structures for Indian assets
- Administration issues for beneficiaries
- The use of trusts where appropriate
Your written report & next steps
At the end of the review you receive a personalised written report:
- A consolidated view of your finances in both countries
- The key risks and planning gaps
- Opportunities to improve efficiency
- Clear, prioritised next steps for implementation
Within the agreed scope, we help implement the recommendations and answer questions as they arise. Anything outside the scope is discussed and agreed in advance.
Why clients choose Atwal Financial
We have specialised in UK-India cross-border financial planning since 2008, advising more than 800 clients — NRIs, British expats and families — across the UK, India and beyond. Clients value our integrated approach, clear communication and long-term relationships.
"Ranjit has been perfect answer to anyone who cares about cross border personal finance and want to be ready for all scenarios. His firm fills in the gap in market place for today's professionals who has bases globally. His understanding of the options available to us in India and Uk is impeccable. In my case, I asked him to play various complex scenarios across UK (home), India (future home) and possibly Hk being interim one given the the changes on the job front. He patiently heard, understood the possibilities and later shared with me the probable scenarios. When everything was up in the air, his three reports were helping me to be on top of things and remain calm while dealing with the challenges on work front. I would be grateful to him always for being professional but not curt, giving honest picture but with empathy, showing problem but also probable step by step solutions!! Basically he knows the stuff inside out and that confidence is infectious to say the least !!! I can sleep well after the turbulence of last month thanks to ranjit and team. Highly recommended to any NRI not just in uk :)"