Moving to Switzerland from India Guide for Study and Settle

Moving to Switzerland from India – Guide for Study & Settle

Moving to Switzerland is a big change. It's the beginning of a new chapter in a country known for its strong economy. The high quality of life is another plus. To make this vision a reality, you need to plan ahead.

This guide will walk you through everything for types of permits, taxes and finding a place to live in Swtizerland.

Step-by-Step Guide for Indians to Settle in Switzerland 

Entry and Residence Permits 

• Do you need a visa?  
  Indian citizens need a visa to enter Switzerland. Even if you get a job and want to stay for more than three months, you'll need to ask for a permit from the local authorities.
• Which permit should you choose?  
  Most EU citizens get one of these permits: 
• L Permit: For stays from 3 to 12 months. This is for temporary work or contracts and can usually be renewed. 
• B Permit: For stays longer than a year. This is for long-term stays, usually for 1 to 5 years, and can be renewed. 
• C Permit: For unlimited stays. You can get this after living in Switzerland for 5 years. It gives you more rights and stability. 
• G Permit: For cross-border commuters. This is for people who live in a nearby country, like France, but work in Switzerland. You have to go back to your main home at least once a week. 

Non-EU citizens Permits Types and Requirements: 

• Permit L 
• Permit B  
• Permit C  
• Work Permits:  
  Non-EU/EFTA nationals require a work permit to be authorized to work in Switzerland.  

General Process for Non-EU Citizens: 

• Find a university or get a Job / Employment and also option to start a Business 
• Apply for a Visa depending on the purpose of stay (e.g., work, study)  
• Apply for a Residence Permit once in Switzerland 
• Apply for Permanent Residency (Permit C): 

Planning Your Budget: Cost of Living

Living in Switzerland has pros and cons. The cost of living is a big factor. In 2025, it's about 81% higher than in Germany. An apartment in the city center can cost over €3,160 a month. But these prices are a reflection of the higher quality of life.

Average salaries are over €6,300 a month. Public transport and healthcare are very efficient. It's more expensive, but the quality of life, safety, and environment are excellent. 

• Here is a price comparison between Switzerland and Germany: 

• A smart way to manage your money is the 50/30/20 rule: 
• Spend 50% on needs like rent and insurance. 
• Use 30% for wants like eating out and hobbies. 
• Save 20% for your future. 

Taxes and Personal Finance

Taxes in Switzerland changes based on the canton you are living. Your income tax might be taken from your paycheck directly or you might have to declare it once a year. The tax rate also depends on whether you are a resident or non-citizen. 

• Swiss income tax rates:  
  The average tax rate is 33% 

Note: For a single person the tax rate is 21.8% in Switzerland. This is why many young job seekers find Switzerland so appealing. 

• Opening a Swiss bank account:  
  You'll need a local bank account to manage your rent, salary and insurance. To open one, you'll usually need: 
• A valid ID 
• An employment contract or rental agreement 
• A valid residence permit 
• Other documents depending on the bank 

Major banks like UBS and Credit Suisse have accounts that are good for expats. Some cantonal banks only serve people who live in that specific area. 

Healthcare, Universities and Public Services 

• Health insurance is required:  
  Switzerland does not have a public healthcare system. Everyone must buy a basic health insurance plan from a private company.  
• Studying in Switzerland: Great for education:  
  Switzerland has about 10 universities that welcome students from all over the world. They are known for being very good and having a global mindset. 
• The top public university like ETH Zurich is ranked among the best in Europe. 
• Many programs in major cities are taught in English. 
• Highly efficient public services:  
  Switzerland's public services are made for everyone, whether you're in a city or a village. Everyone has access to reliable transport, healthcare and education. The country is great at focusing on balance and excellence for all of its citizens. 

Living in Switzerland: Which City Is Right for You?

Switzerland is the most popular European destination for expats from all over the world. 

• Geneva: The international hub:  
  Life here is very global. It's a great city for people from all over the world and is bilingual with French and English. It's easy to build a professional network. 
• Lausanne: Youthful and well-connected:  
  Located on Lake Geneva, Lausanne is perfect for students and young professionals. It's a mid-sized city after work or college you can enjoy the parks and lakeside beaches. 
• Zurich: The perfect balance:  
  Zurich is the country's economic center, but it's not all business. The city attracts young grads and freelancers who are drawn to its dynamic ecosystem and great lifestyle.
• Basel, Lucerne, Bern: Calm, local alternatives:  
  These three cities offer a slower pace, lower rent and an authentic feel. Bern is the capital and has museums and green spaces. Lucerne has beautiful views, while Basel is a hub for art and science. 

Swiss Culture: Structured but Welcoming 

• Understanding is key to fitting in:  
  Living in Switzerland means you'll adapt to a few things. 
• Following rules and being moderate are key for a good community. 
• Punctuality is a cultural must. 
• People are courteous but reserved, so patience and respect go a long way. 
• A mix of cultures:  
  With four national languages, Switzerland is a mix of cultures from French, German, Italian and Romansh influences. It's a great place to build a community with lots of different people. 

How to Relocate from India to Switzerland

Moving from India to Switzerland involves a few key steps. First, you need a clear reason for moving. Switzerland has strict rules for non-EU citizens, especially when it comes to work visas, which have an annual limit. Once that limit is reached, you have to wait until the next year. 

To avoid this limit, you can move for other reasons, like: 

• Family reunification 
• Retirement 
• Education 

If you have the right training or experience, you can also move for a job.

The Relocation Process: How an Indian citizen applies for a residence permit 

• Choose your immigration route:  
  Switzerland has strict rules for non-EU citizens. Work visas are limited each year. Other options like family reunification or retirement don’t have these limits. 
• Apply for your visa and permit:  
  After securing your reason for moving, you must apply for an entry visa. One exception is if you are already living in a Schengen country and are moving to Switzerland from there. Once you arrive, you have 14 days to apply for your B residence permit from the cantonal authorities. This permit is valid for a year but can be renewed. 
• Once you arrive in Switzerland you have 14 days to apply for a B residence permit at the cantonal authority. Since there are 26 cantons picking the right canton is important for taxes. The B permit for non-EU/EEA citizens is valid for one year. 
• Become a permanent resident:  
  After living in Switzerland for 10 continuous years with a B permit now you can apply for a C permit or permanent residency PR. 

Cost of Living 

Switzerland is known for being more expensive than other European countries. Here’s a quick look at average monthly costs: 

• Family of four: about €5,900 (without rent) 
• Single person: about €1,600 (without rent) 
• Monthly utility bills: about €240 

Conclusion

Moving can be complicated. It’s a good idea to speak with immigration and Visa consultants at Scoutabroad who can help you navigate the application process. From picking the right canton for your taxes to ensuring your permits are renewed on time.

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