The option of gaining a second residence in a stable, prosperous, and international country is of interest to many Indians. The Maltese islands in the middle of the Mediterranean, have become an attractive option that is appealing strategically and economically. Malta has a strong economy, modern and high-quality standard of living, and is politically a secure nation. As a result, Malta is becoming increasingly popular for individuals seeking a new place in the world. This guide will go through the pathway of how Indian citizens can obtain Malta permanent residence through the official pathway.
Understanding the Malta Permanent Residence Programme (MPRP)
The Malta Permanent Residence Programme (MPRP) is a government scheme to attract foreign investment. It provides non-EU, non-EEA, and non-Swiss nationals, including Malta PR for citizens from India, with the right to reside, settle, and stay in Malta indefinitely. This program is distinct from citizenship by investment and is appropriate for individuals and families seeking European residency in the long-term.
The program is governed by the Residency Malta Agency, which offers transparency and governance in the application process. The MPRP is appealing because of security and freedom to change residence. Once a beneficiary of a Malta residence permit by investment, visa-free travel from Malta allows you to stay in the entire Schengen Area for any 90 days out of any 180 days, which is an asset for global mobility.
Key Requirements for Indians
The requirements for a Malta residence by investment are well-structured and exist to confirm that all applicants are of good repute and of financial standing. The primary applicant is required to be an adult, at least 18 years of age, and be a non-EU, non-EEA, or non-Swiss national. All applicants must have a clean criminal record and pass a four-tier due diligence process, as well.
Here are the key financial and property requirements for successful application to Malta permanent residence, updated for 2025:
Financial Capital: The primary applicant must show capital of €500,000, this capital must include financial assets of not less than €150,000. Alternatively, an individual may show assets worth at least €650,000, with a minimum of €75,000 in financial assets.
Government Contribution: A non-refundable government contribution is mandatory. As of 2025, this amount has been unified at a flat €37,000, regardless of whether the applicant purchases or rents a property. This new structure is intended to simplify the financing of the program.
Administration Fee: The administrator is charging a non-refundable administration fee of €60,000 for the main applicant who wishes to apply for permanent residency in Malta. This fee is to be paid in two stages €15,000 is paid through the application process and the remaining of €45,000 will be invoiced following the application process at which time the agent only will issue the ‘Approval in Principle’ letter. An additional fee of €7,500 applies for every adult dependent (excluding spouse) from the date the residence certificate is dated.
Property Requirement: The applicants are required to either acquire or lease a qualifying property located in Malta. This property will be retained for 5 years minimum from the residence certificate date issued.
Purchase Option: The minimum value for a purchased property is €375,000 for a property in Malta or Gozo.
Rental Option: The minimum annual rent for a property is €14,000 for a property in Malta or Gozo.
Philanthropic Donation: A one-time donation of €2,000 to a local non-governmental organization (NGO) is required. This NGO must be registered with the Commissioner for Voluntary Organisations.
Health Insurance: All applicants and their dependents must have a valid health insurance policy that provides coverage within Malta.
Why Is Malta Permanent Residence Appealing for Indian Citizens?
The decision to pursue a Malta PR for Indian citizens is often motivated by a combination of personal and professional factors. Here’s why Malta stands out:
Mobility in the Schengen Area: One of the best advantages is the ability to move throughout the Schengen Area which allows for visa-free travel to 29 European countries for both business and leisure travel.
Stable and Secure: Malta has managed to provide a stable political environment with low crime and a strong legal system. The connectedness of Malta with the European Union allows peace of mind and trustworthiness to investors and their families.
Import Family: The program is open to include financially dependent children of any age and dependent parents and grandparents allowing families to find a solution to move together.
Quality of Life: Malta has a fantastic warm Mediterranean climate and rich history and modern high standards of health care and education. The official languages are Maltese and English, making communication and socialization easier.
Attractive tax regime: Malta has a tax regime favorable to high-net-worth individuals. Residents not domiciled in Malta are usually only liable to tax on income and gains earned in or remitted to Malta, not on income earned in other countries.
The Application Process: A Step-by-Step Guide
The process for a Malta residency by investment is structured and requires careful preparation. It’s mandatory to engage with an accredited agent to handle the application.
Preliminary due diligence: The first part of the process is an initial background check to verify eligibility criteria. This allows the applicant to uncover and address issues earlier in the process.
Temporary Residence Permit: A major change for 2025 is the establishment of a one-year temporary residence card. This is issued following the initial checks and payment of the administrative fee’s first part so that applicants (and their families) can legally reside in Malta whilst the proper application is submitted and processed.
Documentation Preparation: As an accredited agent, you will assist the applicant in collating all the documentation, including the proof of funds, police clearance certificates, KYC checks, etc.
Submission of Application: The application is then submitted officially to the Residency Malta Agency where it will enable the Agency to perform due diligence and KYC checks.
Approval in Principle: After due diligence is satisfactorily performed, the Agency will write a letter of “Approval in Principle”. This letter signifies that the applicant is conditionally approved.
Investment Requirement Fulfilment: It is important to note that on approval the applicant has eight months to fulfill the investments – government contribution, philanthropic contribution and either purchase or rent a qualified property.
Biometric Submission and Residence Cards: After all conditions are satisfied, the applicant and their family need to proceed to Malta to submit biometric data. The Residency Malta Agency will then issue the official residence certificates and residence cards.
The whole process from application to receipt of the residence cards will on average take between six to eight months.
How FRR Immigration Can Help
Malta Golden Visa for Indians and the broader Malta permanent residence program can sometimes be a challenge. FRR Immigration can help. We are one of the leading companies providing immigration by investment solutions, and we can help you with our tailored services to make your application process seamless.
Professional Advice: Our professional services team will help with every step of the MPRP from your first discussions with us to the final submission of your application. We understand all the specifics and intricacies of Malta PR for Indian citizens.
Application Preparation: We will prepare all your application forms and supporting documents so that your application package is accurate and complies with the procedures and regulations of the Residency Malta Agency.
Due Diligence: We will carry out thorough due diligence checks to ensure that any potential red flags are addressed, and minimize costs or delays, and time. By using our experienced professional services team, this offers you peace of mind in that your application is comprehensive enough to withstand scrutiny.
Property Finding: We will use our network of accredited real estate partners in Malta to find you the qualifying property and provide you the option to buy or rent according to the program criteria.
Post Residency Support: Our services do not end when your application is approved. We will help you with ongoing support and required reporting to remain compliant each year, as well as assistance in settling in Malta from banking to schooling advice.
Read article on : Top European Golden Visa Programs: Residency by Investment
Conclusion
The Malta permanent residency program offers an exceptional opportunity for Indian citizens who wish to travel around the world with more freedom, security, and mobility. The MPRP presents a simple and absolute way to establish a permanent residence in Europe, with further benefits for you and your family. If you have a plan in place and the right support, the dream of securing a Malta residence permit through investment is possible.
Contact FRR Immigration and start your journey today in the heart of Europe towards a new and secure future with your family. Our commitment is to make your immigration dreams a reality.
