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Yes, subject to applicable Indian regulations, KYC, FEMA and the individual fund or investment's eligibility requirements.
The choice between NRE and NRO depends on the source of funds and intended use or repatriation.
UK tax residency is particularly important.
HMRC states that UK residents will normally be subject to UK tax on foreign income, although specific reliefs and rules can apply. The UK also has provisions dealing with foreign income and gains, including the post-April-2025 Foreign Income and Gains regime for eligible individuals.
Therefore, an Indian mutual fund or other Indian investment should be assessed from both Indian and UK tax perspectives.
Indian tax may apply to capital gains and other income arising from Indian investments. TDS and return-filing requirements may also apply depending on the investment and taxpayer's circumstances.
India–UK tax treaty provisions may help address double taxation in qualifying circumstances, but the actual treatment depends on residence, income type and applicable treaty rules.
NRI investment rules, taxation, FEMA/RBI regulations and repatriation requirements may change from time to time. The information provided is for general educational purposes and may not reflect the latest changes.
Please consider your individual circumstances and applicable laws before making any financial or tax-related decision.
RBI/FEMA rules and the source of funds determine how investment proceeds can be repatriated.
He is 40 and wants to grow his India-based wealth while preparing for his child's education and his retirement.
XYZ has to plan for two big goals at the same time: his child's education (8 years away) and his retirement (20 years), while keeping his family protected. What each goal will cost, and how much to set aside for it every year, depends on inflation, his tax position in the UK and India, and how much market ups and downs he is comfortable with.
Your income, investments and goals may be completely different from XYZ's. A goal-based review shows what your own goals may need and how your existing investments fit in.
Illustration only. XYZ is a hypothetical profile and no returns are assumed or promised. Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
Looking only at Indian tax
Not reviewing existing Indian investments after moving to the UK
Ignoring tax residency
Not checking repatriation rules
Assuming old resident investment arrangements automatically remain appropriate
Your Country. Your Goals. Your India Investments.
Your country of residence, tax residency, income, existing investments and financial goals.
Your Indian investments, NRE/NRO structure, insurance and existing financial commitments.
Create an investment and financial strategy based on your goals, time horizon and risk profile.
Implement eligible investment solutions based on your requirements and applicable regulations.
Review your portfolio as your income, residence, family, tax position and goals change.
Your India investment plan connects to more than one topic. Explore related pages:
Guidance for NRIs in other countries:
Eligible NRIs can invest subject to applicable regulations, KYC, fund-house eligibility and country-specific restrictions.
Yes, eligible NRIs can use SIPs subject to KYC, banking, AMC and applicable regulatory requirements.
NRE and NRO accounts serve different purposes. The appropriate account depends on the source of funds, Indian income and repatriation requirements.
Potentially, but repatriation depends on the investment type, source of funds, account, taxes and applicable FEMA/RBI rules. RBI rules provide different treatment for repatriation and non-repatriation investments.
Indian tax may apply depending on the investment, income/gain and applicable tax rules.
It may. This depends on your tax residency and local laws. Countries such as the US, UK, Canada and Australia have significant rules around foreign income, assets and reporting.
The UK's rules for foreign income and gains, including changes effective from April 2025, can affect how Indian investment income is taxed for eligible individuals. This should be reviewed with a UK tax advisor based on your residency status.
The India-UK tax treaty may provide relief in qualifying circumstances, but the actual treatment depends on your residence, the type of income, and applicable treaty rules.
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