Non Lucrative Visa Spain for Indians: Fee, Process & More 2025

Non-lucrative visa Spain offers Indian citizens an immediate route to Spanish residency without the need to work, but with a certificate of 28,800 active income per year. This is a 2025-paged comprehensive guide that includes all the information the Indian applicants should have to apply successfully:

• Financial Evidence: 28,800 annual earnings (400 percent IPREM) and 7,200 dependents per household unit.

• Process of Application: Entire process via the Spanish consulates in New Delhi and Mumbai.

• Documentation Requirements: Police clearance, medical certificates, health insurance, and financial statements.

• Schedule: 2-3 months to process and 90 days to entry after approval.

• Long-term Benefits: Renewable residence to permanent after 5 years.

This visa is ideal for retirees, as well as digital nomads with overseas revenues and financially independent individuals interested in European residency. The scheme provides freedom of travel in the Schengen area and, after a period of 10 years, eligibility to become a Spanish citizen.

What is a Non-Lucrative Visa Spain and How Does it Work in 2025?

The first thing that an Indian applicant interested in going to Spain should know is the basis of the Non lucrative visa Spain. Let’s know more about the non-lucrative visa in Spain for Indians.

Non lucrative visa Spain (Visado de Residencia No Lucrativa) is a residence permit that allows Indian citizens to reside in Spain without employment and is specifically intended to be issued to financially independent persons with passive sources of income. This visa involves showing 28,800 Euros per year earnings and is a strict no-go zone in terms of employment or any business in Spain.

The program offers a first-year initial residence with renewable two-year extensions, which offer a clear path to permanent residence after five years of continued residence. Indian holders have the right to visa-free travel in the 26-member state Schengen area of up to 90 days in a 180-day period whilst retaining Spanish residence.

Who Qualifies for Non-Lucrative Visa Spain from India?

Indian applicants also need to verify that they have the relevant eligibility criteria imposed on them by the Spanish government before wading into the paperwork. Let’s know more about non lucrative visa Spain for Indian :

The non lucrative visa Spain for Indian citizens, provided they satisfy the following basic conditions:

• Financial Independence: Show 28,800 Pf/yr passive income, pensions, investment, rental property, or large savings.

• Clean Background: Supply police clearance certificates of all countries where you have been a resident over the last 5 years.

• Health Requirements: Produce medical certificates that attest to the non-presence of infectious diseases in accordance with the WHO International Health Regulations.

• Insurance Cover: Have extensive personal health insurance that is valid nationwide in Spain with no co-payments.

The visa is specifically favorable to Indian retirees whose pension proceeds or property investors who earn rental income, and individuals with high savings that cover passive income.

What are the Major Advantages of Spain Non-Lucrative Visa to Indians?

The considerable health and long-term benefits offset the investment in the NLV application, which offers a non-lucrative visa to Spain for Indian residents.

The Non lucrative visa Spain provides great benefits to Indian citizens:

• The Freedom of Schengen: Travel around short-term travel (tourism) in 26 European countries without a visa.

• Quality Healthcare: Excellent healthcare system in Spain is available under private insurance.

• Education: Spanish public schools and universities are open to children.

• Property Rights: The right to own and buy any real estate in Spain.

• Tax Benefits: There may be preferential taxation based on length of residence and sources of income.

• Residency Pathway: Direct to permanent residence after 5 years and become a citizen after 10 years.

Also Read: Spain Tourist Visa from India: New Step-by-Step Guide

What are the Non-Lucrative Visa Spain Financial Requirements in 2025?

The financial basis of a successful NLV application depends on proving that there is adequate, long-term, and passive income based on the official index in Spain.

An official IPREM (Indicador Público de Renta de Efectos Múltiples) index in Spain is the basis of the financial non-lucrative visa Spain requirements in the year 2025, which requires evidence of significant passive income or savings. The minimum requirement is 400 per cent of the annual IPREM of the primary applicant.

How to Prove Financial Means for  Non Lucrative Visa Spain from India?

Indian applicants must gather and authenticate specific financial documentation to satisfy the consulate's stringent non lucrative visa Spain requirements regarding the source and sustainability of funds.

Indian applicants must provide comprehensive financial documentation covering 6-12 months preceding the application:

Acceptable Passive Income Sources

• Pension Payments: Government or private pension certificates with regular monthly deposits.

• Investment Returns: Fixed deposits, mutual funds, and dividend income with bank confirmations.

• Rental Income: Property rental agreements with consistent bank credit entries.

• Savings Interest: High-value savings accounts generate sufficient monthly interest.

Required Documentation

• Bank Statements: 12 months of statements showing a consistent balance above the required threshold.

• Income Certificates: Official documentation from pension authorities or investment firms.

• Currency Conversion: Official bank letter confirming EUR equivalent amounts.

• Apostille Requirements: All financial documents must be apostilled by the Ministry of External Affairs, India.

What Income Sources are NOT Accepted for Non Lucrative Visa Spain?

A clear understanding of what constitutes "non-lucrative" is vital, as including prohibited income is a primary reason for rejection.

The Spanish authorities strictly prohibit certain income types for non lucrative visa Spain applications:

Prohibited Income Sources:

• Employment Salary: Any form of active employment income, including remote work.

• Business Operations: Income from active business management or self-employment.

• Freelance Work: Consulting, writing, or any professional services income.

• Future Promises: Projected income or potential investment returns without guaranteed proof.

Important Note: Even remote work for Indian companies while residing in Spain violates visa conditions and can result in residence permit cancellation. The core principle is that the applicant must not engage in any activity that could be considered an economic activity in Spain.

What Documents Do Indian Citizens Need for Non Lucrative Visa Spain Application?

A successful application for Non lucrative visa Spain hinges on a meticulously prepared document file, with several key items requiring India-specific procedures like apostille and official translation.

Indian applicants must submit a comprehensive document package meeting Spanish consulate non lucrative visa Spain requirements, with specific procedures for documents issued in India. Let’s know more about the non-lucrative visa in Spain!

How to Obtain Police Clearance Certificate for Spain Visa from India?

The Police Clearance Certificate is a mandatory step, requiring specific procedures through the Indian government's passport services.

Indian citizens must obtain the Police Clearance Certificate (PCC) from the Regional Passport Office covering all states of residence in the past 5 years:

PCC Application Process:

• Online Application: Submit the request through the Passport Seva portal with the required documents.

• Document Submission: Provide identity proof, address proof, and passport copies.

• Police Verification: Local police conduct background verification at registered addresses.

• Certificate Issuance: PCC is issued with a 3-month validity from the issue date.

• Apostille Process: Submit the PCC to the Ministry of External Affairs for apostille authentication.

• Processing Time: 15-30 days for PCC plus 5-7 days for apostille.

What Health Insurance Requirements Must Indians Meet for Spain Visa?

The health insurance policy must adhere strictly to Spanish government standards, specifically regarding coverage and payment structure.

Indian applicants must secure comprehensive health insurance meeting the Spanish government specifications. Let’s know more about Non lucrative visa Spain:

Mandatory Insurance Features:

• Provider Authorization: The Insurance company must be authorized to operate in Spain.

• Coverage Duration: Minimum 12 months validity covering the entire visa period.

• Comprehensive Benefits: Full medical coverage equivalent to Spanish public healthcare.

• No Exclusions: Zero co-payments, deductibles, or waiting periods are essential.

• Geographic Coverage: Valid throughout Spanish territory.

Acceptable Providers for Indians:

• ASISA: Popular choice offering comprehensive coverage for visa applicants.

• Adeslas: Major Spanish insurer with visa-compliant policies.

• Sanitas: International coverage suitable for residence visa, non-lucrative visa, and Spain requirements.

How to Get a Medical Certificate for a Non-Lucrative Visa in Spain in India?

A medical certificate confirming good health is required, and its format and issuing authority must comply with Spanish regulations.

Indian applicants must obtain medical certificates from authorised healthcare practitioners confirming the absence of infectious diseases:

Medical Certificate Requirements:

• Authorised Doctor: Certificate must be issued by a government-recognised medical practitioner.

• Specific Language: Must state the applicant "does not suffer from diseases with serious public health implications per WHO International Health Regulations 2005".

• Validity Period: Certificate valid for 90 days from the issue date.

• Translation: Official Spanish translation required if originally in Hindi or regional languages.

• Apostille: The Medical certificate must be apostilled by the Ministry of External Affairs.

Recommended Medical Centres in India:

• All India Institute of Medical Sciences (AIIMS) - Delhi, Mumbai, Bangalore.

• Government Medical Colleges with an international certification authority.

• Private hospitals authorised for visa medical examinations.

Also Read: Spain Visa Checklist for Indians: New Steps, Tips & More

How to Apply for Non Lucrative Visa Spain from India Step-by-Step?

The application process for Indian citizens is channelled through the Spanish diplomatic missions, requiring careful adherence to jurisdictional and procedural rules.

The non lucrative visa Spain application process for Indian citizens involves multiple stages through Spanish diplomatic missions in India.

Which Spanish Consulate Should Indians Use for Visa Application?

Jurisdiction is determined by the applicant's state of residence in India, and the application must be submitted to the correct mission.

Indian applicants must apply through the Spanish consulate covering their state of residence:

Spanish Embassy New Delhi (Northern and Central India):

• Jurisdiction: Delhi, Punjab, Haryana, Rajasthan, Uttar Pradesh, Madhya Pradesh, Uttarakhand, Himachal Pradesh, Jammu & Kashmir, Chandigarh.

• Address: 12, Prithviraj Road, New Delhi 110011.

• Appointment System: Online booking through the official embassy website.

Spanish Consulate Mumbai (Western and Southern India):

• Jurisdiction: Maharashtra, Gujarat, Goa, Karnataka, Tamil Nadu, Andhra Pradesh, Telangana, Kerala, Odisha, West Bengal.

• Address: 1st Floor, Maker Chambers III, 221, Nariman Point, Mumbai 400021.

• Processing: Handles the majority of Indian applications due to jurisdiction coverage.

How to Book an Appointment for a Spain Visa Application in India?

Securing an appointment for Non lucrative visa Spaint is a critical first hurdle due to the high volume of applications and the limited slots available.

Indian applicants must secure visa appointments well in advance due to high demand:

Appointment Booking Process:

• Online Registration: Create an account on the respective consulate's official website.

• Document Preparation: Ensure all documents are ready before booking to meet appointment timelines.

• Slot Selection: Choose available appointment dates (typically 4-8 weeks booking required).

• Fee Payment: Pay consular fees online or as specified by the chosen consulate.

• Confirmation: Receive appointment confirmation with the required document checklist.

• Current Wait Times (2025): 6-10 weeks for initial appointments in major Indian cities.

What Happens During the Spain Visa Interview in India?

The interview is designed to verify the genuineness of the applicant's intent and their financial capacity to live without working in Spain.

The visa interview focuses on verifying financial capacity, genuine intent, and understanding of visa restrictions:

Common Interview Questions for Indians:

• Financial Verification: "How do you generate this passive income?" and "Can you explain your income sources?"

• Spain Intentions: "Why did you choose Spain for residence?" and "Where in Spain do you plan to live?"

• Work Restrictions: "Do you understand you cannot work in Spain?" and "How will you spend your time?"

• Long-term Plans: "Do you intend to return to India?" and "What are your 5-year plans?"

Interview Preparation Tips:

• Document Organization: Arrange all papers in order, listed on the consulate checklist.

• Financial Clarity: Be able to explain income sources and sustainability clearly.

• Language Consideration: Interviews are typically conducted in English; an interpreter may be available if needed.

What are the Processing Times and Costs for a Spain Non-Lucrative Visa from India in 2025?

Planning for Non lucrative visa Spain involves budgeting time and money for the various stages of document preparation and consular processing.

Understanding the complete timeline and cost structure helps Indian applicants plan their Spain residency transition effectively.

How Long Does Spain Non-Lucrative Visa Processing Take for Indians?

The total time from starting document collection to receiving the visa can take several months, demanding patience and proactive planning.

The complete Non-Lucrative Visa Spain process for Indian applicants involves multiple phases:

Complete Timeline Breakdown:

• Document Preparation: 6-8 weeks (PCC, medical certificates, apostille process).

• Appointment Booking: 4-6 weeks wait time for consulate slots.

• Consular Processing: 8-12 weeks from application submission.

• Visa Collection: 3-5 days after approval notification.

• Total Process Duration: 4-6 months from start to visa collection.

Factors Affecting Processing Time:

• Peak Seasons: Applications submitted during summer months (May-August) may experience delays.

• Document Quality: Complete, properly apostilled documents expedite processing.

• Financial Complexity: Simple pension income processes faster than multiple income sources.

What are the Total Costs for a Non-Lucrative Visa Application in Spain from India in 2025?

Beyond the application fee, applicants must account for expenses related to document preparation, translation, and mandatory health insurance.

Indian applicants should budget for multiple cost components beyond the basic visa fee:

How to Move to Spain After Getting Non-Lucrative Visa Approval?

Visa approval is the halfway point; the next mandatory step is relocation and formalizing residency with the Foreigner Identity Card.

Successfully relocating to Spain requires completing several mandatory procedures within specific timeframes after visa approval. Let’s know more about Non lucrative visa Spain!

What is a TIE Card and How to Apply After Arrival in Spain?

The TIE card is the physical proof of residence in Spain, and its application is a crucial post-arrival bureaucratic step. The TIE (Tarjeta de Identidad de Extranjero) card formalizes your Spanish residency and must be obtained within 30 days of arrival:

TIE Card Application Process:

• Address Registration (Empadronamiento): Register residential address at the local town hall within the first week.

• Appointment Booking: Schedule a TIE appointment at the nearest immigration office (Extranjería).

• Document Submission: Present original visa, passport, empadronamiento certificate, and passport photos.

• Biometric Data: Provide fingerprints and a digital photograph at the appointment.

• Fee Payment: Pay the TIE processing fee (approximately 20) via bank transfer.

• Card Collection: Collect the TIE card after 2-4 weeks of processing.

Required Documents for TIE:

• Original Non-Lucrative Visa and passport.

• Empadronamiento certificate from the town hall.

• Recent passport-size photographs.

• Completed EX-17 form.

Where Can Indians Live in Spain with Non-Lucrative Visa?

NLV holders have the flexibility to choose their place of residence, often opting for locations with established expat communities and quality services.

Non-Lucrative Visa holders enjoy complete freedom to choose a residence location throughout Spain:

Popular Regions for Indian Residents:

• Madrid: Large international community, excellent healthcare, English-speaking services.

• Barcelona: Cosmopolitan atmosphere, Mediterranean climate, international schools.

• Valencia: Lower cost of living, growing expat community, coastal lifestyle.

• Malaga (Costa del Sol): Warm climate year-round, established international community.

• Alicante: Affordable living costs, English-friendly environment, beach access.

Factors for Location Selection:

• Healthcare Access: Major cities offer better private healthcare facilities.

• International Schools: Important consideration for families with children.

• Cost of Living: Regional variations are significant (Madrid/Barcelona vs. smaller cities).

• Indian Community: Larger cities have established Indian cultural centers and grocery stores.

Also Read: Spain Shifts Immigration Policy: Golden Visa End, Fast-Track Eviction Begins

How to Renew a Non-Lucrative Visa in Spain and Path to Permanent Residency in 2025?

The NLV is a progressive residency permit, with renewals leading directly to long-term status and eventual eligibility for citizenship.

The non lucrative visa Spain renewal process ensures continued legal residence with evolving requirements leading to permanent status.

What are the Requirements for Non-Lucrative Visa Renewal in Spain?

Renewal shifts the focus from initial financial demonstration to proven residence and ongoing financial and legal compliance.

Visa renewal must be initiated 60 days before the current permit expiration, with stricter non lucrative visa Spain requirements than the initial application:

Renewal Requirements for Indians:

• Physical Presence: Minimum 183 days per year in Spain (automatic tax residency).

• Financial Maintenance: Continued proof of passive income meeting current IPREM thresholds.

• Health Insurance: Valid private insurance throughout the renewal period.

• Clean Record: No criminal activities or immigration violations in Spain.

• Tax Compliance: Filed Spanish tax returns if qualifying as a tax resident.

Renewal Timeline:

• First Renewal: 2-year extension after the initial 1-year period.

• Second Renewal: Additional 2-year extension (total 5 years).

• Permanent Residency: Eligible after 5 years of continuous legal residence.

When Can Indians Apply for Spanish Permanent Residency?

After five years of legal, continuous residence, Indian NLV holders qualify for a permanent status that grants greater rights and freedoms.

Indian Non lucrative visa Spain holders become eligible for permanent residency (Residencia de Larga Duración) after 5 years of continuous legal residence:

Permanent Residency Benefits:

• Work Authorization: Full employment rights throughout Spain.

• Indefinite Stay: No renewal, non-lucrative visa Spain requirements, permanent residence status.

• EU Mobility: Enhanced travel and residence rights within the European Union.

• Family Rights: Simplified family reunification procedures.

• Social Benefits: Full access to the Spanish social security and healthcare systems.

Application Requirements:

• Continuous Residence: 5 years without absences exceeding 6 consecutive months.

• Spanish Language: Basic Spanish proficiency (A2 level typically required).

• Integration Test: Knowledge of Spanish society, culture, and constitution.

• Financial Stability: Continued proof of economic self-sufficiency.

• Citizenship Pathway: After 10 years of total legal residence, Indians may apply for Spanish citizenship with dual nationality options.

What are Common Mistakes Indians Make When Applying for Spain Non-Lucrative Visa?

Avoiding frequent application errors is key to a smooth process, as even minor documentation issues can lead to costly delays or rejection. Understanding common pitfalls helps Indian applicants avoid costly mistakes and application rejections.

What Documentation Errors Lead to Visa Rejection?

Errors related to document validity, apostille, and translation are responsible for a significant number of application denials.

Document-related rejections account for 60 percent of non lucrative visa Spain denials among Indian applicants:

Common Documentation Mistakes:

• Expired Apostille: Documents apostilled more than 3 months before application submission.

• Incorrect Translations: Using non-certified translators or incomplete document translation.

• Financial Inconsistencies: Bank statements showing irregular income patterns or unexplained deposits.

• Insurance Non-Compliance: Health policies with co-payments, waiting periods, or limited coverage.

• PCC Jurisdictional Errors: Missing police clearance from the states of previous residence.

Prevention Strategies:

• Professional Review: Have an immigration expert verify all documents before submission.

• Timeline Management: Submit the application within 2 months of the document apostille.

• Certified Translations: Use only sworn translators authorized by Spanish authorities.

What Financial Proof Mistakes Cause Application Rejection?

The inability to clearly demonstrate a passive, sustained, and legal source of income is the most critical mistake an applicant can make.

Financial proof inadequacies represent the leading cause of non lucrative visa Spain rejections for Indian applicants:

Critical Financial Mistakes:

• Active Income Confusion: Including salary, business income, or freelance earnings as qualifying funds.

• Insufficient History: Providing less than 6 months of consistent financial records.

• Unexplained Deposits: Large lump sum deposits without source documentation.

• Currency Conversion Errors: Failing to provide official bank conversion rates for INR amounts.

• Sustainability Questions: Demonstrating only the minimum required amounts without a buffer for unexpected expenses.

Expert Recommendations:

• 12-Month Buffer: Maintain 150 percent of the minimum required income for a stronger application.

• Source Documentation: Provide clear evidence for all large deposits or transfers.

• Professional Planning: Work with a financial advisor to optimize income presentation.

Also Read: Spain vs Austria: A Comprehensive Immigration Comparison Guide

What are the Tax Implications for Indians with a Spain Non-Lucrative Visa in 2025?

Understanding the tax implications, especially the 183-day rule, is mandatory, as NLV holders often become Spanish tax residents.

Understanding tax obligations is crucial for Indians planning to spend significant time in Spain under the non lucrative visa Spain.

When Do Indians Become Spanish Tax Residents?

The threshold for becoming a Spanish tax resident is clearly defined by the amount of time spent in the country each year.

Indians automatically become Spanish tax residents when spending more than 183 days per year in Spain:

Tax Residency Triggers:

• Physical Presence: 183+ days in Spanish territory during a calendar year.

• Economic Center: Primary economic interests are located in Spain.

• Family Residence: Spouse and dependent children primarily reside in Spain.

Tax Obligations for Indian Residents:

• Worldwide Income: Declare all global income, including Indian sources.

• Income Tax Rates: 19-47 percent progressive rates depending on income levels.

• Wealth Tax: Applied to assets exceeding 700,000 in most regions.

• Annual Filing: Submit Declaración de la Renta by June 30 each year.

How Does India-Spain Tax Treaty Benefit Non-Lucrative Visa Holders?

The bilateral tax treaty prevents income from being taxed fully in both countries, offering relief and specific provisions for Indian passive income.

The India-Spain Double Taxation Avoidance Agreement provides significant benefits for visa holders:

Key Treaty Benefits:

• Pension Income: Indian pensions may qualify for reduced Spanish tax rates.

• Investment Income: Dividends and interest subject to treaty-protected rates.

• Property Income: Rental income from Indian properties may avoid double taxation.

• Tax Credits: Taxes paid in India can offset Spanish tax obligations.

• Professional Tax Planning: Consult qualified tax advisors familiar with both Indian and Spanish systems to optimize tax efficiency.

Conclusion

The non-lucrative visa Spain provides Indian citizens with an exceptional pathway to European residency, requiring careful financial planning and thorough documentation but offering substantial long-term benefits. With proper preparation demonstrating 28,800 annual passive income, comprehensive health insurance, and clean background documentation, Indian applicants can successfully navigate the application process through Spanish consulates in New Delhi or Mumbai.

The pathway offers remarkable long-term value, including Schengen area travel freedom, quality European healthcare access, excellent education opportunities for children, and eventual permanent residency after 5 years. With strategic planning and professional guidance, the Non lucrative visa Spain transforms from a complex application to a gateway for a fulfilling European lifestyle. Visit TerraTern now to know more!