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Retiring & Pensions

India - Retiring & Pensions

In India, the average retirement age is 58 - 60 years. However, if one wishes, jobs are available in the private sector after retirement.

A foreign national working in India when retires, all his current assets such as savings from salary (tax already paid), dividend, interest, commission, provident fund balance, sale proceeds of personal effects, etc., can be repatriated in full when he leaves India.

Same rule is applicable to pension from India received in future.

A foreigner retiring from India is also required to file an application in the Reserve Bank of India for transfer of assets. This form and the necessary documents required along with it can be downloaded from http://www.rbi.org.in/sec22/rfn.pdf. Same facility is available to foreign-born widows of Indian nationals who desire to go back (Form-EMG).

This suggests that he will also be allowed to repatriate his Indian assets of a capital nature such as sale proceeds of investments, up to a limit of Rs. 10 lakhs at the time of retirement and upto Rs. 5 lakhs annually thereafter. For this purpose, the entire family will be considered as a single unit. Such a person is not allowed to have an FCNR account in India since he has become ipso-facto, a Resident in India.

Foreign Nationals can retire to India with a valid visa and acquire one residential property with the permission of the Reserve Bank of India. India offers good medical facilities at costs much lesser than other countries. Institutional investors can seek spaces in select areas and set up institutes there.

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