Rental income, TDS, capital gains, fund repatriation. India’s tax rules for NRIs are different from residents. Our CA team makes sure you’re covered.
Here’s what most NRIs discover the hard way: India’s tax rules treat you differently. TDS on your rental income is deducted at a higher rate. When you sell property, the buyer has to deduct 20–30% TDS before paying you. Capital gains rules are strict. And if you want to send the sale proceeds back to your country, there’s a whole compliance process involving your CA, your bank, and the RBI.
Most NRIs either overpay taxes or underpay and get a notice. We make sure neither happens.
What We Handle
NRI Income Tax Filing
If you earn rental income or capital gains from property in India, you need to file an ITR. We compute your total Indian income, apply the right deductions and exemptions, and file your return on time. Every year.
TDS on Rental Income
Under Section 194-I, your tenant is supposed to deduct TDS on rent before paying you. But most tenants either don’t know this or get the rate wrong. We educate the tenant, ensure correct TDS deduction and deposit, and make sure you get your Form 16A.
TDS on Property Sale
When an NRI sells property, the buyer must deduct TDS under Section 195 — typically 20% on long-term gains or 30% on short-term gains (plus surcharge and cess). This is often higher than your actual tax liability. We compute the correct amount and guide the buyer through the process.
Lower / Nil TDS Certificate
Why let the buyer deduct 20–30% when your actual tax might be much lower? We apply for a Lower Deduction Certificate under Section 197 from the Income Tax department, so TDS is deducted at your actual tax rate — not the inflated default rate.
Capital Gains Tax Planning
Selling property in India? The tax on capital gains can be significant. We compute your long-term or short-term capital gains accurately and advise on exemptions under Section 54 (reinvestment in residential property) and Section 54EC (investment in specified bonds). Planning the sale timing and reinvestment can save you lakhs.
DTAA Advisory
India has Double Taxation Avoidance Agreements with over 90 countries. If you’re paying tax on the same income in both India and your country of residence, you may be entitled to credit or exemption. We work with you (and your overseas tax advisor if needed) to make sure you’re not paying twice.
Fund Repatriation
Want to transfer sale proceeds or accumulated rent to your overseas bank account? There’s a process: Form 15CA (online declaration), Form 15CB (CA certificate), and bank documentation. We handle the entire repatriation compliance so your money moves without delays or RBI objections.
Rental Income Tax Optimization
Most NRIs don’t claim all the deductions they’re entitled to on rental income. Home loan interest, municipal taxes paid, standard deduction, and repair costs can all reduce your taxable rental income. We make sure you’re not leaving money on the table.
Property Tax Compliance
Most NRIs don’t claim all the deductions they’re entitled to on rental income. Home loan interest, municipal taxes paid, standard deduction, and repair costs can all reduce your taxable rental income. We make sure you’re not leaving money on the table.
NRI Bank Account Guidance
NRE, NRO, FCNR — which account should you use for what? Many NRIs route money through the wrong account and create unnecessary tax complications. We advise you on the right account structure for your property transactions.
How It Works
Share your property details and current tax situation.
Our CA team reviews your case and identifies what’s needed.
We create a compliance plan — filings, certificates, optimizations.
We execute everything and keep you updated.
You stay compliant. No notices. No overpayment.
Frequently Asked Questions
I’m getting rental income in India but haven’t been filing taxes. Am I in trouble?
Not necessarily, but you should start filing. We can file returns for previous years (up to 2 years belated) and regularize your compliance going forward. The sooner you sort it out, the easier it is.
My tenant isn’t deducting TDS. What should I do?
This is common. We contact the tenant, explain their legal obligation, and set up the TDS process properly. If the tenant refuses, we advise you on your options.
How much can I repatriate from India?
Up to USD 1 million per financial year from your NRO account, after taxes. Sale proceeds from property bought with foreign funds (via NRE/FCNR) can be repatriated without this limit, subject to conditions. We guide you on the right route.
Will I be taxed twice — in India and in my country?
Possibly, but DTAA provisions usually prevent full double taxation. You can claim credit for taxes paid in India against your overseas tax liability. We coordinate with your overseas advisor to optimize across both countries.