How to Send Money from Australia to India — Best Rates and Lowest Fees (2026)
303 views
Everything Indian professionals need to know about the Subclass 189 Skilled Independent visa in 2026 — eligibility, points needed, realistic scores, skills assessment, and step-by-step process.
The Subclass 189 Skilled Independent visa is Australia's most sought-after pathway to permanent residency for Indian professionals. It requires no employer, no state sponsor, and no family connection in Australia — just a competitive points score and a positive skills assessment.
This guide explains exactly what you need, what score is realistic for Indians in 2026, and how the application process works.
The 189 is a points-tested, employer-independent permanent visa. You are assessed purely on your skills, qualifications, English proficiency, and work experience. Approval grants you permanent residency from day one — for you, your partner, and your dependent children.
You can live and work anywhere in Australia. There is no obligation to stay in a particular state or employer.
To be eligible for the Subclass 189 you must:
The minimum score to submit an EOI is 65 points. However, for Indian applicants in 2026, 65 points will not get you an invitation in most occupations.
India-dominated occupations — Software Engineer, ICT Business Analyst, Accountant, Civil Engineer — attract thousands of EOIs. The invitation scores for these occupations have risen sharply:
| Occupation | Typical invitation score (2026) |
|---|---|
| Software Engineer (261313) | 90–100+ |
| ICT Business Analyst (261111) | 90–100+ |
| Accountant (221111) | 85–95 |
| Civil Engineer (233211) | 75–85 |
| Registered Nurse (254111) | 65–75 |
| Chef (351311) | 65–70 |
Check current invitation scores: The EOI Rounds Tracker on AustraliaWasi shows historical cut-off scores by occupation and round → EOI Rounds Tracker
| Factor | Points |
|---|---|
| Age 25–32 | 30 |
| Age 18–24 or 33–39 | 25 |
| Age 40–44 | 15 |
| Bachelor degree or higher | 15 |
| Doctorate (Australian or recognised) | 20 |
| Australian study requirement | 5 |
| Specialist education qualification | 10 |
| Competent English | 0 |
| Proficient English (IELTS 7 each band) | 10 |
| Superior English (IELTS 8 each band) | 20 |
| Overseas skilled employment 3–4 yrs | 5 |
| Overseas skilled employment 5–7 yrs | 10 |
| Overseas skilled employment 8–10 yrs | 15 |
| Australian skilled employment 1–2 yrs | 5 |
| Australian skilled employment 3–4 yrs | 10 |
| Australian skilled employment 5–7 yrs | 15 |
| Australian skilled employment 8–10 yrs | 20 |
| Partner skills | 10 |
| Single or partner is citizen/PR | 10 |
| NAATI community language | 5 |
| Professional Year in Australia | 5 |
Realistic score for a typical Indian applicant:
| Profile | Score |
|---|---|
| Age 28, Bachelor, 5 yr overseas, Proficient English | 65 — not competitive |
| Age 28, Master's, 5 yr overseas, Proficient English | 80 |
| Age 28, Master's, 5 yr overseas, Superior English | 90 |
| Age 28, Master's, 3 yr Australian exp, Superior English | 95 |
Before you can submit an EOI, you need a positive skills assessment from the relevant Australian authority.
Common assessing bodies for Indian applicants:
| Occupation type | Assessing body |
|---|---|
| IT professionals | ACS (Australian Computer Society) |
| Accountants | CPA Australia, CA ANZ, or IPA |
| Engineers | Engineers Australia |
| Nurses | ANMAC |
| Doctors | AMC |
| Teachers | AITSL |
| Social workers | AASW |
For Indian IT professionals without an Australian-aligned degree: The ACS RPL (Recognition of Prior Learning) pathway lets you demonstrate skills through documented work experience. Expect to write detailed project reports reviewed by an ACS assessor.
Timeline: Allow 6–12 weeks for a skills assessment.
You need a police clearance from every country where you lived for 12+ months since turning 16. For Indian applicants, apply through the FRRO or Passport Seva portal. Allow 4–8 weeks — consistently the longest-waiting document.
Submitting an EOI at 65–70 points — unlikely to receive an invitation in competitive occupations. Build your score before submitting.
Choosing the wrong ANZSCO code — picking a less competitive code that does not genuinely match your work history risks refusal at visa stage.
Letting your skills assessment expire — ACS and most bodies issue assessments valid for 3 years.
Missing points — many applicants forget STEM qualification points, community language points, or Professional Year points.
Using unregistered agents — only MARA-registered migration agents can legally charge fees for immigration advice. Verify at mara.gov.au.
Find MARA-registered Indian migration agents across Sydney, Melbourne, Brisbane and Perth: → Find a Migration Agent
Yes. You can complete your skills assessment, English test, and EOI from India. You only need to be onshore when you lodge the actual visa application after invitation.
You have 60 days from the date of invitation to lodge your visa application.
Yes. Your spouse or de facto partner and dependent children can be included as secondary applicants.
If your spouse has a skills assessment in an eligible occupation and meets the points test requirements, you can claim 10 points under the partner skills category.
Both are accepted. Many Indian applicants find PTE more predictable as it is computer-based with consistent scoring.
Last verified: pending — verify current invitation scores and occupation lists at immi.homeaffairs.gov.au before lodging an EOI.
This guide is maintained by the AustraliaWasi editorial team and updated regularly. Always verify current requirements with official Australian government sources.
303 views
216 views
83 views
82 views