Cambodia's ER (Ordinary) visa is available on arrival and can be extended through local agents, though the extension system has tightened since 2023 and is less straightforward than it once was. There is no formal retirement visa but the extension system effectively allows permanent stays for anyone who wants it.
Phnom Penh and Siem Reap are among the cheapest cities in Asia for comfortable living. A couple can live well on Rs 45,000–60,000 per month including nice accommodation and good food.
Cambodia uses the US dollar as its primary currency alongside the Cambodian Riel. No currency conversion issues for those with dollar-denominated assets or investment returns.
Living near Siem Reap means having one of the world's great archaeological wonders as your local weekend destination. The temples of Angkor are extraordinary - and the region is peaceful and easy to live in.
Cambodia has a well-established expat community, predominantly Western but growing in Asian representation. The infrastructure for expat living - international hospitals, restaurants, English-language services - is well-developed.
Monthly estimates for a couple living comfortably in Cambodia.
| Category | Normal | Premium |
|---|---|---|
| Housing (2BR) | Rs 12,000 | Rs 35,000+ |
| Food & Dining | Rs 8,000 | Rs 18,000+ |
| Healthcare | Rs 4,000 | Rs 10,000+ |
| Transport | Rs 3,000 | Rs 6,000+ |
| Utilities | Rs 3,000 | Rs 5,000+ |
| Entertainment | Rs 4,000 | Rs 10,000+ |
| Monthly Total | Rs 40K–80K | Higher |
The main long-stay pathways available to Indian retirees.
Available on arrival or as e-visa. Valid 30 days initially. Extendable through registered agents for 1–3 months at a time, indefinitely. Monthly extension cost is approximately USD 30–50 through an agent. Effectively allows permanent stays.
Cambodia has discussed a formal retirement visa programme. As of 2026, the ER extension system remains the practical solution. Check current status with a Phnom Penh immigration agent.
For those with any business activity. Extendable for 1 year at a time. More stable than tourist visa extensions. Requires some evidence of business engagement.
Phnom Penh's private hospitals - Royal Phnom Penh Hospital and Raffles Medical - are adequate for routine and moderate care. English-speaking throughout. For serious or complex treatment, medical travel to Bangkok (1 hour by flight) is the standard approach. Bangkok Hospital Bangkok is the most common referral destination for Cambodia-based expats.
The Indian community in Cambodia is small but present, primarily in Phnom Penh's business community. The expat community overall is large and English-speaking. Hindi is not widely understood but English is universal in expat circles. Indian food is available but limited.
Cambodia has a relatively straightforward tax system. Foreign-sourced income for non-residents is generally not taxed by Cambodia. India and Cambodia do not have a comprehensive DTAA, which means careful income structuring is important to avoid potential double taxation.
Note: Tax situations vary based on your income structure and residency pattern. Work with a qualified tax advisor who understands both Indian and Cambodia tax law before making decisions.
Get our complete guide including visa requirements, cost breakdown, and curated list of professionals who have helped Indians make the move to Cambodia.