01
T-12 months
Lock the target year of return. Project Indian day-counts. Inventory ISAs, SIPP, GIA, NS&I, UK property and any UK trusts. Start the UK split-year conversation with HMRC if relevant.
Last reviewed: June 2026 · Updated for AY 2026-27
Lock the target year of return. Project Indian day-counts. Inventory ISAs, SIPP, GIA, NS&I, UK property and any UK trusts. Start the UK split-year conversation with HMRC if relevant.
Decide ISA and GIA disposals — most are cleaner before Indian residency. Open or refresh NRE/NRO/FCNR accounts. Begin Indian broker KYC. Document SIPP value and contribution history.
Confirm UK tax-year fit. Draft the Form 67 / DTAA file for the Indian return. Confirm school admission, lease end and movers — these drive your actual landing date.
Land. Within 30 days, redesignate NRE/FCNR to RFC, notify banks and brokers, file the FEMA changes. Begin the Schedule FA workpaper for the first resident year.
A 45-minute working session that ends with a written next-step plan.
This guide is general information published by RTA & Associates. It is not tax, legal, financial or investment advice, and it does not create a client relationship. It does not take account of your personal circumstances, and you should not act or refrain from acting on the basis of anything here.
Cross-border outcomes turn on the specific facts — your day-counts, the timing of your move, the wrappers you hold and the treaty position between the two countries. A small change in any of those can change the answer completely.
References to the law, rules or practice of countries other than India are included for general orientation only. They are not advice on the law of that country, and they should be confirmed with a qualified adviser in that jurisdiction before you act.
Tax law, exchange-control rules and treaty positions change, and they change often. This page reflects our understanding as at the date shown above. We do not undertake to update it.
To the extent permitted by law, RTA & Associates and its partners and staff accept no liability for any loss arising from reliance on this page. For advice on your own position, book a consultation.
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