NRIs, your tax planning just got more complex. The Indian government’s new default tax regime under Section 115BAC for NRIs is reshaping how you manage your income, especially if you earn abroad or have ties across borders.
In this blog, we unpack what this change means for NRIs, how it affects your wealth, and where to go for trusted help.
What Is Section 115BAC?
Section 115BAC is now India’s default tax regime — applicable unless you specifically opt out. It offers:
Lower tax rates across income slabs
A higher basic exemption limit (₹3 lakh vs ₹2.5 lakh)
But no major deductions, like under 80C or 80D
For NRIs, especially those managing dual incomes or considering relocation, choosing the wrong regime could mean losing out on lakhs over time.
Why Section 115BAC for NRIs Matters More Than Ever
If you’re an NRI earning in the UK or overseas but filing taxes in India (e.g., on property, interest income, or capital gains), Section 115BAC might apply by default.
Here’s what you should consider:
Do you benefit more from deductions like 80C (PPF, ELSS, etc.)?
Are you aware that you must opt OUT if you prefer the old regime?
Have you reviewed your NRI tax residency status for the financial year?
Many NRIs are unaware that Section 115BAC for NRIs applies by default unless opted out. This lack of clarity could cost lakhs in unnecessary tax payments.
Example: The Cost of Not Choosing Wisely
Imagine an NRI with ₹15 lakh in total income. Under the old regime, with deductions, their taxable income drops significantly. But under 115BAC, they lose those deductions — potentially paying ₹40,000–₹80,000 more in taxes.
Mistake? Choosing the default without understanding the impact. So,
✅ Reassess your tax strategy ✅ Understand your residency status each year ✅ Check if you need to file under old or new regime ✅ Work with an expert who understands UK-India tax implications
For deeper insights into Section 115BAC for NRIs, and to learn which deductions still apply, reach out to financial advisors who understand both Indian and UK systems.
Need Personalised Financial Advice?
If you’re an NRI trying to navigate India’s updated tax policies, you’re not alone. With changes like Section 115BAC, it’s important to stay informed. For more guidance on how these rules impact your UK-India finances, check out our feature on Vibrant Financial Services. Need help deciding which tax regime suits your situation? Visit our NRI Tax Resources for curated content designed for the Indian diaspora.
👉 Contact Kadambi Muralidaran, Executive Director of Vibrant Financial Services, via our business directory on ScottishIndian.com. With over a decade of cross-border financial experience and authorisation from the UK’s Financial Conduct Authority (FCA), Kadambi Muralidaran provides culturally aligned, non-advisory financial solutions trusted by the Indian diaspora.
In a cost-of-living crisis, every pound counts. Whether you’re juggling overdrafts, short-term bills, or trying to stay afloat between paydays, money transfer credit cards can be a powerful but often misunderstood. Money transfer credit cards are a flexible financial tool that allow you to transfer funds from your card directly into your bank account. Whether you’re dealing with overdraft fees, unexpected expenses, or short-term cash gaps, money transfer credit cards can offer a low or zero-interest way to stay afloat.
Here’s what they are, how they work, and why using one wisely could save you hundreds in interest.
Unlike standard credit cards that pay retailers directly, a money transfer credit card allows you to move money from your credit card to your bank account. You can then use that money however you wish — to pay rent, cover an overdraft, or handle an urgent expense.
Think of it as borrowing money from your card to boost your current account but at low (or even 0%) interest for a set period.
This type of card is best suited for clearing expensive overdrafts or managing cashflow issues without resorting to high-interest loans or payday lenders.
Best-case scenarios include:
Paying off your overdraft (which often charges 39.9% EAR!)
Covering emergency bills
Managing temporary cash shortfalls without long-term debt
If you’re considering money transfer credit cards in the UK, always compare the promotional interest period, fees, and eligibility criteria. Some of the top money transfer credit cards offer up to 18 months of 0% interest—ideal if you have a plan to repay on time.
Things to Watch Out For
Before jumping in, it’s important to understand the terms and costs:
Transfer Fee: Usually between 3%–4% of the amount transferred. Some cards offer no-fee promotions.
0% Period: Ranges from 12 to 36 months. You must pay off the balance before this ends.
Credit Score Requirement: You typically need a good to excellent credit score to qualify for top deals.
Can’t Use for Purchases: These cards are not meant for spending. Purchase rates can be higher.
Example in Action
Let’s say your bank account is £1,000 overdrawn and charging 39.9% EAR. You get a money transfer credit card with:
0% for 18 months
3% transfer fee = £30
Now your overdraft is cleared, and you owe £1,030 on the card — but with no interest for a year and a half. As long as you pay off the balance in full before the 0% deal ends, you save significant interest.
Top Tips for Using These Cards
Only Transfer What You Can Repay in Time Don’t take out more than you can realistically repay before the 0% window ends.
Set Up Direct Debits To avoid late payment fees or ruining your credit score, always set up automatic minimum repayments.
Avoid Spending on These Cards These cards often don’t have 0% on purchases. Use them strictly for transfers.
Don’t Withdraw Cash Cash advances from credit cards usually attract hefty fees and high interest from day one.
These cards are ideal for:
People trying to clear expensive overdrafts
Those needing short-term financial breathing room
Anyone with a solid repayment plan and good credit history
Is It Right for You?
A money transfer card can be great for clearing debt or managing cash flow, but it requires discipline. If you’re already struggling with credit card debt, speak to someone.
A money transfer credit card can be a financial lifesaver if used responsibly. Think of it as a strategic tool and not a long-term fix. Used smartly, it can help you dodge interest, manage short-term expenses, and even pay off existing debts faster.
If you’ve ever moved home, changed councils, or overpaid council tax—there’s a good chance you could reclaim council tax credit that’s just sitting there, waiting to be claimed. Thousands of people across the UK are entitled to a Council Tax refund, and many don’t even know it.
Here’s everything you need to know to check if you’re owed money and how to claim it back fast.
What Is a Council Tax Credit?
When you move out of a property before the end of your billing period, you may overpay your council tax. That overpayment becomes a council tax credit. But councils don’t always refund this automatically, especially if you forget to update your address.
That means millions of pounds in council tax refunds are unclaimed each year.
You can find your local council using Gov.uk’s tool and search their website for a “council tax refund” or “council tax credit” section.
Who Is Most Likely to Be Owed?
You’re more likely to have a refund if:
You moved home and paid council tax by direct debit
You paid upfront for the year but moved out early
You lived in a property with multiple tenants, and one left or overpaid
You’re an international student or temporary resident who returned home without claiming back the credit
How to Check If You’re Owed Money
It’s surprisingly easy to check:
Find out which local council you paid council tax to (you can use Gov.uk’s tool here)
Visit your council’s website and search terms like “reclaim council tax credit” or “council tax refund.
Look for a section that lets you claim a refund or submit a request
If there’s no online form, email or call them with your old address, move-out date, and account number if you have it
💡 Tip: Include Any Joint Names
If you were on a joint tenancy or paid council tax as a couple or household, include all names that were on the bill. Councils sometimes register the credit under the first name listed.
Many people have been able to reclaim council tax credit amounts ranging from £50 to over £300, simply by checking with their local authority.
The average reclaim tends to fall between £70–£150, whatever the amount is, it’s your money.
There’s no legal time limit for claiming back overpaid council tax but councils are only legally required to keep records for a certain number of years (often around six). So, the sooner you check, the better.
At ScottishIndian.com, we know many of our readers are:
Students who move frequently
Families renting short-term accommodation
NHS staff or care workers relocating often
It’s easy to forget these things during a busy move—but this small admin task could mean a welcome refund during tough times.
✍️ Template Email to Send Your Council
Here’s a quick message you can copy and paste:
Dear [Council Name] Council,
I’m writing to check if I have any outstanding council tax credit or refund due to me.
Name: [Your Full Name] Old Address: [Your Full Address] Move-out Date: [Date]
I paid council tax by direct debit. Please let me know if a credit is owed and how to reclaim it.
Thank you, [Your Name]
Don’t let your money gather dust in a forgotten council account. Reclaiming council tax credit takes just a few minutes—and it could be a small windfall when you least expect it.
👉 Share this post with your friends, WhatsApp groups, or family—you might help someone else reclaim their money too.
And for more UK life hacks, savings tips, and support for South Asian communities, follow us at ScottishIndian.com.
Ever bought a drill, a waffle maker, or an ice cream machine only to use it once and stash it away forever? What if, instead of buying, you could just rent what you need—only when you need it? That’s the smart idea behind the Library of Things London is making famous. Why spend £50 on something you’ll use once, when you could borrow it for a fiver? Whether you’re a South Asian family planning a Diwali dinner, a weekend DIY project, or a one-off birthday bash, this concept makes more sense than ever—it’s affordable, clutter-free, and rooted in community living.
🛠 What Is the Library of Things in London and How Does It Work?
The Library of Things is like a public library, but instead of borrowing books, you can borrow things. Think of it as a desi parent’s dream—less waste, more savings.
You’ll find:
Garden tools 🌿
DIY & cleaning gear 🧹
Kitchen appliances like popcorn makers and waffle irons 🍿
💡 What Is the Library of Things in London and How Does It Work?
South Asian families love hosting, cooking in bulk, fixing things ourselves—and being thrifty while doing it! But with space and budget constraints, especially for students, working couples, and extended families living in London or other UK cities, owning everything just isn’t practical.
Instead of buying expensive tools or large appliances you’ll use once, rent them at a fraction of the cost.
➡️ For example:
Carpet cleaner rental: ~£6/day
Sewing machine for altering that lehenga: ~£5/day
Rice cooker or blender for a party: easily available!
🌍 Good for You, Good for the Planet
Renting instead of buying also means less clutter and less waste. It’s a sustainable choice—one we Desis already understand deeply (because didn’t we grow up sharing everything from Tupperware to TVs with neighbours and cousins anyway?).
This service fits the minimalist, eco-conscious lifestyle that more and more South Asians in the UK are embracing. Whether you’re in a student flat or managing a busy household, the Library of Things keeps it practical.
You can find Library of Things locations in parts of London like Crystal Palace, Hackney, and beyond. Check availability and book your items directly via their website: 🔗 libraryofthings.co.uk
And if you live in Edinburgh or Glasgow, why not start a community version? You could even use this idea for a South Asian neighbourhood co-op!
👉 For more life hacks, festival prep tips, and budget living ideas, explore our Culture & Lifestyle section.
Whether you’re a student, working parent, or part of a busy household, the Library of Things London has something for everyone—from garden tools to party gadgets. It’s the modern-day jumble of everything you need—without the clutter. 💡
The Library of Things London is more than a trend—it’s a cultural shift that fits perfectly with the ScottishIndian community’s values of sharing, practicality, and smart living.
For many immigrant families in the UK, one of the most meaningful milestones is securing British citizenship for their children. If your child was born outside the UK but has been raised here from an early age, and you now have Indefinite Leave to Remain (ILR), you may be wondering: Can my child get a British passport?
The answer is yes, but there’s a step you must take first.
🇬🇧 First Things First: British Citizenship Comes Before the Passport
A British passport can only be issued to someone who is already a British citizen.
If your child was born outside the UK, they are not automatically a British citizen, even if they’ve lived here most of their life. However, if one of the parents now holds ILR, the child can be registered as a British citizen using Form MN1 under Section 3(1) of the British Nationality Act 1981.
This route is discretionary, but widely used for children like yours who are deeply settled in the UK.
🧾 Eligibility for British Citizenship (Section 3(1))
Your child may be eligible if:
They are under 18.
They have lived in the UK for several years.
One or both parents now have Indefinite Leave to Remain (ILR) or settled status.
The child is well-integrated into British life — attending school, speaking English, and settled socially.
📑 What Documents You Need to Apply
Here’s a checklist for the MN1 (Section 3(1)) application:
Child’s Identity and Background:
Indian birth certificate (translated if not in English)
Council tax bills, tenancy agreements (for address history)
Other:
Parental consent signatures (both, if possible)
Optional: Letter of support from a community leader or teacher
🏫 What Are “School Letters” and Why Are They Important?
School letters are vital to prove your child’s presence and integration in the UK. You can request:
Enrolment Confirmation Letter
States when your child started and confirms they are currently attending.
Attendance Record or School Report
Optional, but helpful to show continuity.
Character Reference from Headteacher or Teacher
Confirms your child is settled, engaged, and part of school life.
These help the Home Office see that your child has grown up in the UK and is “at home” here.
💰 Fees and Processing Time
MN1 application fee: £1,214 (as of 2025)
Processing time: 3 to 6 months
After approval, your child will receive a Certificate of British Citizenship
🛂 Then You Can Apply for a British Passport
Once your child has their citizenship certificate, applying for their first British passport is straightforward.
You’ll need:
Citizenship certificate
Birth certificate
Parents’ passports
A countersigned passport photo
Fee: £64 for a child passport.
If your child came to the UK at a young age and has grown up here, they are very likely to be granted British citizenship through this route — as long as you provide clear evidence of long residence, integration, and your own immigration status.
It’s more than a passport — it’s a sense of belonging and future security.
At ScottishIndian.com, we’re committed to empowering families in the diaspora with clear, culturally relevant guidance. Reach out if you’d like help preparing supporting documents or connecting with legal professionals.
A simple guide for desi students, families, and newcomers | ScottishIndian.com
Whether you’re a student just setting up your room, a couple settling into a new flat, or a family watching your favourite Indian serials — there’s one question that often surprises newcomers in the UK:
👉 Do I really need to pay for a TV licence?
The answer is — probably yes (but not always).
🎯 What Is a TV Licence in the UK?
A TV Licence is a legal requirement in the UK if you:
Watch or record live TV on any channel, including Sky, Freeview, BBC, ITV, etc.
Use BBC iPlayer, even if it’s on your phone, laptop, or tablet.
This applies regardless of the device or service — whether you’re watching on a smart TV, mobile phone, Fire Stick, or even a gaming console.
💡 Yes, even if you only watch live Indian channels (like Zee, Sony, or Star Plus) via satellite, you’ll still need one.
🧾 How Much Does a TV Licence Cost?
As of 2025, the standard fee is £169.50 per year for a colour TV licence. You can:
Pay in full
Pay monthly or quarterly via Direct Debit
Get a refund if you cancel it before the year ends (based on how much time is left)
You can register or manage your licence via the official site: 👉 tvlicensing.co.uk
👨🎓 Do Students Need a TV Licence?
Yes, if you watch live TV or use BBC iPlayer. But here’s the catch:
If you live in a shared house, your room needs a separate licence unless your landlord provides one for the entire home.
If you only stream on-demand content (like Netflix, Disney+, or Amazon Prime) and don’t watch live TV or BBC iPlayer — you don’t need a licence.
📢 ScottishIndian tip: Stick to streaming services and skip iPlayer if you’re on a budget.
🚫 What Happens If You Don’t Have One?
TV Licensing officers do door-to-door checks, especially in student-heavy areas. If they find you’re watching TV without a licence when one is required, you could face:
A fine up to £1,000
Legal trouble and court summons
Even if you don’t watch live TV, it’s best to declare yourself licence-free on the website — that way, you’re covered.
Over 75s: Can apply for a free licence (but only if receiving Pension Credit).
Visually impaired people: Eligible for a 50% discount.
Students: No discount, but you can apply for a partial refund if you only need it for part of the year (e.g. term time only).
The UK has many surprising systems, and the TV Licence is one that often confuses newcomers — especially those used to free-to-air or all-inclusive services in India.
But once you know the rules, you can avoid fines, save money, and only pay for what you actually use. Whether you’re binge-watching Bollywood on Netflix or catching IPL highlights on YouTube — if it’s not live or on iPlayer, you’re probably in the clear.
For more everyday survival guides for desi folks in the UK, check out ScottishIndian.com — your ultimate cultural companion abroad.
