For UK pension holders living in India, navigating the complex rules around transferring your pension overseas can be overwhelming. Whether you are an NRI, OCI, or UK-resident individual with assets in India, choosing the right approach for your UK pension is essential. This is where QROPS (Qualifying Recognised Overseas Pension Schemes)become a powerful planning tool — but… more
If you’re an NRI or OCI living in the UK, chances are you still maintain fixed deposits (FDs) in India—whether for convenience, family reasons, or simply because that’s what you’ve always done. But here’s the problem: ➡️ HMRC taxes the interest you earn on your Indian fixed deposits, even if the interest is already taxed in India.➡️… more
For many NRIs (Non-Resident Indians) and OCI cardholders living in the UK / England, managing finances between India and the UK can be challenging. Exchange rate movements, tax obligations in both countries, and differing investment rules often make financial planning complex. That’s where Atwal Financial steps in. UK–India Cross-Border Financial Experts Atwal Financial specialises in UK–India cross-border… more
Each November we encourage everyone to come together for Talk Money Week. Our aim is to help everyone start the conversation, about anything from pocket money to pensions. Everyone can take part and get involved with the events and activities – from workplaces to schools, and families to communities. Research shows that people who talk about money:… more
At Atwal Financial, our core expertise is UK–India cross-border financial planning, helping British expats, NRIs, and families seamlessly manage their UK pensions, QROPS transfers, and financial advice in India. While our financial planning is focused on the UK and India, we know that international clients often need broader support when dealing with opportunities or challenges in India…. more
Atwal Financial has successfully transferred more UK pensions to India than any other firm. Our team of expert advisers across India ensures clients receive local, face-to-face guidance when making this crucial financial decision. Here’s why acting now makes sense: • The exchange rate is at a historic high of around ₹120 to the Pound, creating a significant… more
Our services are completely independent — we represent your best interests, not those of any product or service provider. We specialize in UK-India Cross-Border Financial Planning & Advice, helping you navigate pensions, tax, investments, and more across both countries. Since 2008, we have successfully served 700+ clients worldwide. Our services are tailored to your needs. 1. Can… more
When it comes to UK pensions, QROPS in India, and cross-border UK-India financial planning, one name stands out across India — Ranjit Atwal of Atwal Financial. With over 25 years of experience as a financial adviser and 12 years living and advising clients in India, Ranjit has become the most knowledgeable, most experienced, and most qualified expert… more
Why Hire Local Talent in India? 1. Cost Efficiency Without Compromising Quality Salaries for skilled professionals in India are typically lower than in the UK, allowing you to get more value for your investment. You can scale teams cost-effectively, especially in tech, finance, marketing, customer service, and operations. 2. Access to a Large, Skilled Workforce India has… more
Are you an expat or NRI living in Goa looking for cross-border financial planning between the UK and India? You’re not alone. Many British expats and Indian returnees in Goa face complex challenges when trying to align their finances across two countries — from UK pensions and tax obligations to INR mutual fund investments and estate planning… more