NRI Guides for the United Kingdom
The UK-India relationship adds its own residency test, its own reporting forms, and a real decision every time you send money home: which service actually gets the most rupees to the other end. These three guides cover that layer specifically, including a UK tax change from 2025 that many general NRI guides have not caught up on yet. For the India-side rules that apply no matter where you live, see the general NRI guides below.
UK-specific guides
How to Send Money From the UK to India →
A real cost comparison of Wise, Remitly, WorldRemit, Xoom, and bank transfer, and why the advertised fee is not the whole story.
UK-India DTAA Guide →
HMRC's Certificate of Residence, Foreign Tax Credit Relief on your Self Assessment return, and the new Foreign Income and Gains regime.
UK Tax Filing Basics for NRIs →
How the Statutory Residence Test decides your status, and what a UK tax resident with India-source income needs to report.
General NRI guides (apply from any country)
Which account to use for salary, rent, and pension.
How the treaty system and Form 41 claim process work in general.
The USD 1 million NRO cap and required forms.
TDS rates, the lower-deduction certificate, and repatriation.
EPF interest, tax-free withdrawal, and the EPS 10-year rule.
Frequently asked questions
Does the UK have anything like the US FBAR or FATCA for my NRE or NRO accounts?
No. The UK does not have a separate self-reporting requirement for foreign account balances. HMRC still receives NRE and NRO account information automatically from Indian banks through the OECD Common Reporting Standard, so the income itself still needs to be declared correctly even without a standalone reporting form.
I moved to the UK recently and heard the non-dom regime ended. Does that affect me?
It might, in a good way. From 6 April 2025 the old non-dom remittance basis was replaced with a residence-based Foreign Income and Gains regime that can give a new UK resident full relief on foreign income and gains for their first four years, regardless of domicile or nationality. See the UK-India DTAA guide for how it works and who qualifies.