CA for NRIs — ITR, Property TDS, DTAA, Repatriation

For non-resident Indians

Residential status, property-sale TDS, DTAA relief and clean repatriation — your India tax desk, run to your timezone

NRIs overpay in three quiet places: TDS deducted on the whole sale value of a property instead of the gain, DTAA relief left unclaimed for want of a TRC and Form 10F, and NRO balances stuck for a missing 15CA/15CB. We handle all three ends.

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This page is for non-resident Indians and their families who need Indian income-tax returns filed, a property sale in India taxed correctly before it happens, DTAA relief actually claimed, and money moved out cleanly — all coordinated remotely, on documents and video calls, to your timezone.

Your India tax touchpoints, mapped

Step	What it involves	How we handle it
1. Fix your status	Residential status on the days-in-India test decides what is taxable and which return (usually ITR-2) you file	NRI ITR filing
2. Sell property right	A Section 197 lower / nil-TDS certificate obtained before the sale, so the buyer deducts on the gain — not the full consideration	Lower-TDS certificate
3. Claim DTAA relief	A Tax Residency Certificate plus Form 10F on the portal, so treaty rates apply and you are not taxed twice	DTAA & assessments
4. Tax the India income	Rent, capital gains and interest reported correctly, NRE/FCNR treated as exempt and NRO income offered to tax	Property TDS 26QB
5. Repatriate cleanly	Form 15CA and CA-certified 15CB, and the NRO-to-NRE transfer within the USD 1 million a year route	15CA / 15CB certification

The services NRIs use most

NRI lower-TDS certificate India ITR (ITR-2) filing Property TDS 26QB 15CA / 15CB certification Notices & assessments TDS refunds & rectification

Check it yourself first — free tools

TDS Rate Finder — Section 195 rates on payments to NRIs
Advance Tax Calculator — if India income needs advance tax
Compliance Calendar FY 2026-27 — your India filing dates

NRI reading from our insights desk

Frequently asked questions

I am selling my flat in India — how much TDS will the buyer deduct?

Under Section 195 the buyer deducts on the full sale consideration, not just your gain — which is why NRIs routinely see far more blocked than the tax actually due. The fix is a Section 197 lower or nil-deduction certificate obtained before the sale, so deduction tracks the real capital gain. Our lower-TDS certificate and NRI property-sale guides walk through the exact steps and the current rate.

Is my NRE or FCNR interest taxable in India?

Interest on NRE and FCNR deposits is exempt under Section 10(4) for as long as you qualify as a non-resident (person resident outside India under FEMA). NRO interest, by contrast, is taxable and suffers TDS, generally at 30% plus surcharge and cess or the applicable treaty rate. Our NRO-vs-NRE-vs-FCNR guide sets out the treatment account by account.

How do I claim DTAA relief so I am not taxed twice?

You need a Tax Residency Certificate from your country of residence and a Form 10F, now filed electronically on the income-tax portal; with both, the lower of the treaty rate and the Act rate applies to India-sourced income. Getting these in place before the income accrues — rather than chasing a refund later — is the whole game.

Do I have to file an income-tax return in India as an NRI?

If your India income exceeds the basic exemption limit, or you want to recover excess TDS as a refund, or you need to carry forward a capital loss, then yes — usually in ITR-2. Many NRIs skip filing and forfeit real refunds on over-deducted property and rent TDS. We file so the refund is claimed, not lost.

Can I transfer the sale proceeds abroad?

Yes. Once taxes are settled, funds in your NRO account can be repatriated within the USD 1 million per financial year facility, supported by Form 15CA and a CA-certified 15CB confirming the tax position. We prepare the certification and the transfer file so your bank clears it without back-and-forth.

CA Somesh Chandak & Associates, Thane. This page is general guidance for non-resident Indians, not advice on your specific facts; residential status, treaty positions and TDS rates depend on facts and change. Speak to us before acting.

Related insights from our blog

What's Included

Residential-status and ITR-2 filing matched to your days in India, not guesswork
Section 197 lower-TDS certificate filed before a property sale — not a refund chase afterwards
DTAA relief claimed with a TRC and Form 10F so you are not taxed twice
15CA / 15CB certification and NRO-to-NRE repatriation within the USD 1 million route
One desk that works to your timezone — documents by email, sign-offs remote

Our Process

Assess

Residential status and India income sources reviewed.

Plan

Lower-TDS and DTAA set up before income accrues.

File

ITR-2 filed and every refund claimed, not lost.

Repatriate

15CA / 15CB and NRO-to-NRE transfer completed.

Get Started

Have questions about this service? Contact us for a free consultation.

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