Overseas income · India & UK
Overseas Income Tax for UK Residents
Self Assessment for people who live in the UK and still have income, savings or property in India. Residence, the 4-year FIG regime and foreign tax credit — fixed fee before any work starts.
- HMRC authorised
- Fixed fees
- FIG claims
- Foreign tax credit
Fixed-fee Self Assessment for UK residents with Indian income. Residence, the 4-year FIG regime and foreign tax credit, from £150. Free review.
Sound familiar?
What usually needs a decision
NRE interest that is tax-free in India
Once you are UK resident, that interest is usually taxable here even though India does not tax it.
The 4-year FIG regime is not automatic
New arrivals may be able to claim it, but a claim drops the personal allowance. For modest interest it often costs more than it saves.
Indian tax is not always the UK credit
Foreign tax credit is capped. TDS above the treaty rate has to be reclaimed in India, not from HMRC.
Included
What’s included
Residence and split-year review
Statutory Residence Test from your arrival date and travel evidence.
India inventory
NRE, NRO, rent, shares, mutual funds, PPF and EPF — what needs a UK entry.
FIG claim, only if it pays
We model the lost personal allowance against the foreign income or gain.
Foreign tax credit
Credit for Indian tax up to the UK tax and the treaty limit, with the working shown.
Self Assessment filing
Foreign pages prepared, you approve, we file.
A written fee first
Scope and price confirmed before chargeable work starts.
Who it’s for
Who this is for
- People who have moved from India and are in their first UK tax years
- UK residents with NRE, NRO, rent or investments in India
- Buyers using Indian savings for a UK home
- Anyone who has had an HMRC letter about overseas income
Process
How the review works
- 1. Free 20-minute review Arrival date and what you still hold in India. No obligation.
- 2. Fixed quote We say what needs declaring, whether FIG is worth claiming, and the fee.
- 3. Documents A short list: statements, TDS certificates, travel dates, UK P60.
- 4. Prepare and file Draft return for you to approve, then submission to HMRC.
Pricing
Overseas income pricing
A FIG claim, and a single-year Self Assessment with foreign interest and/or one Indian rental, starts from £150. Selling Indian property, multi-year catch-up and a Worldwide Disclosure Facility filing are quoted separately after the free review. India-side work (Indian tax returns, FEMA, TDS refunds) is not included; an Indian chartered accountant should confirm those.
Example
Illustration, not a client file
Someone on a £45,000 UK salary with about £1,200 of NRE interest would usually pay more tax by claiming the 4-year FIG regime, because the claim removes the £12,570 personal allowance. The same person selling an Indian flat with a large pound gain can be in the opposite position. We run both numbers before anyone claims.
Free 20-minute overseas income review
Tell us your arrival date and what you hold in India. We’ll say what needs declaring, whether FIG is worth claiming, and the fixed fee.
FAQ
Common questions
Do I have to declare Indian income if I live in the UK?
Usually yes, once you are UK resident. Worldwide income and gains are in scope unless a relief such as the 4-year FIG regime applies, and that relief has to be claimed.
How much does an overseas income tax return cost?
From £150 for a FIG claim or a single year covering foreign interest and/or one rental property. Property sales and multi-year disclosures are quoted after a free review.
Is the 20-minute review free?
Yes. Tell us your arrival date and what you hold in India. We say what needs declaring and the fixed fee before any paid work.
Can you deal with an HMRC letter about overseas income?
Yes. Do not ignore the letter, and do not close Indian accounts to tidy up. We can prepare the figures and the reply for a quoted fee.
Do you file the Indian tax return as well?
No. We prepare the UK return and the foreign tax credit. Indian TDS refunds, FEMA and repatriation should be confirmed with an Indian chartered accountant or your bank.
Where is the checklist?
The free Moving from India checklist is on this site, and the longer guides sit under the Overseas income topic.
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