Chartered Accountants for NRIs. Starting with the excess TDS you leave on the table every year.
You're an NRI. We handle your whole Indian tax life from abroad, ITR filing, property TDS, tax notices, repatriation and FEMA, with DTAA refund recovery as our flagship. India deducts TDS at the full non-resident rate on your interest, dividends and gains. Your country's treaty usually caps it lower. That gap is your refund, and we file the paperwork that pulls it back.
Partnered with ICAI-registered CAs
Every case handled by a practising CA
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Certified professionals
Bank-grade Security
256-bit encryption
4,200+ NRIs
across 46 countries
₹12 Cr+ Recovered
paid cases · with 244A interest
Built for the whole journey
Where are you on the NRI clock?
Becoming an NRI, being one, coming back, or running a business here, each is a different problem. Pick the one you're in and we'll route you to the right tools and the right CA.
Active situations we solve
Pick the one that matches your week.
Each tile opens a free diagnostic, no signup, no captcha, runs in your browser. Swipe to see all eight.
The problem
India deducts 30% TDS on your interest income.
Your country's treaty says 12.5%.
Every time you earn interest on an FD, dividend from an Indian company, or returns from a mutual fund, the payer in India deducts TDS (Tax Deducted at Source), 30% on NRO interest under Section 195, 20% on dividends under Section 195, and 12.5% / 20% on equity-MF LTCG / STCG under Sections 196B + 112A and 111A respectively. It doesn't matter whether the deductor is an Indian bank, a foreign bank's Indian branch, or an AMC, if the income originates in India, TDS applies. But India and UAE have signed a DTAA (Double Tax Avoidance Agreement) that caps interest at 12.5% (lower treaty rates may apply on dividends too). Your CA should claim this lower rate, but most don't, because DTAA paperwork earns them nothing extra.
The gap you're not recovering
17.5%
≈ ₹18,375 per year on a ₹15L FD · ₹91,875 over 5 years
Rate shown is for interest income. Dividends, capital gains, and other income types may have different DTAA rates.
How it works
From overpaying to recovered.
Five steps. Zero visits to India.
Upload your 26AS
Drop your Form 26AS. We instantly find every TDS entry where you overpaid.
See your exact savings
Country-specific DTAA rates cross-referenced with every deductor. No guesswork.
We handle the paperwork
TRC guidance, Form 10F / Form 41, ITR filing or amendment, our CAs take care of it.
Claim is filed
Current-year ITR plus condonation under Section 119(2)(b) for up to 5 Assessment Years from the end of the relevant AY (CBDT Circular 11/2024). That circular also makes it a condition that no interest is admissible on a belated refund claim, so a condoned recovery returns the over-withheld principal without Section 244A interest.
Money back in your account
Refund tracked end-to-end. Average processing: 3-6 months.
Recent recoveries
Anonymized. Based on actual client recoveries. Individual results vary.
46 countries
DTAA rates and recovery guides,
built for where you live.
Income types
Nine income types. Nine DTAA rates. All recoverable.
Real recoveries
NRIs who stopped giving away
their money to excess TDS.
“Six years... six years I overpaid TDS on my FDs. Nobody said a word. Not my bank, not my CA. TrustNRI recovered ₹2.8 lakhs including past refunds. The whole thing was remote, didn't step foot in India.”
R.K.
🇦🇪 Software Engineer, Dubai
“My CA in the US... never once mentioned DTAA. Four years. TrustNRI recovered 3 years of excess TDS and set up prevention going forward. That 26AS upload feature? Instant clarity. Wish I had found this sooner.”
P.S.
🇺🇸 Product Manager, Seattle
“The HMRC TRC process felt... daunting, honestly. TrustNRI walked me through every single step, filed my amended ITR, and I got £2,100 back. Their UK-specific knowledge is something else entirely.”
V.P.
🇬🇧 NHS Consultant, London
“I was filing at 30% TDS on my NRO and FD interest for years, the India-Singapore treaty caps it at 15%. Add 10% on dividends. TrustNRI recovered ₹3.15 lakhs across 5 past years, with Section 244A interest on top. Money I had completely written off.”
M.N.
🇸🇬 Data Scientist, Singapore
“Oman's rate is 10%... better than UAE's 12.5%. Was paying 30% for 15 years. Fifteen years. The condonation filing alone recovered ₹4.7 lakhs with Section 244A interest. Life-changing, honestly.”
A.K.
🇴🇲 Project Director, Muscat
“Uploaded my 26AS, saw the savings breakdown in like... 2 minutes? The Germany-specific guidance was spot-on, including the Finanzamt TRC process which nobody else understands. Recovered €2,200.”
D.V.
🇩🇪 Engineer, Walldorf
“15 years in Saudi... never knew about DTAA. The 5% dividend rate alone saved me more than I expected. TrustNRI handled the ZATCA TRC, something my CA in India flat out refused to touch.”
F.H.
🇸🇦 Civil Engineer, Dhahran
“As an accountant myself... I'm embarrassed I didn't know about this. T1135 reporting was stressful enough. Discovering I was also overpaying TDS by CA$3,200 was just... the final straw. TrustNRI sorted both sides.”
A.R.
🇨🇦 Accountant, Toronto
“The misaligned financial year between India and Australia always confused me. Always. TrustNRI's CA knew exactly how to handle the timing. Got A$2,800 back from 3 past years. Should have done this ages ago.”
K.I.
🇦🇺 Data Engineer, Sydney
“India-Netherlands Article 11 caps FD interest TDS at 10%, but my bank was deducting 30%. Three years of FD interest recovered with Section 244A interest on top. Clean, straightforward, exactly the kind of treaty claim every Dutch NRI should be making.”
R.M.
🇳🇱 Chip Design Engineer, Eindhoven
“My Indian CA had been filing at default rates for 20 years. No treaty claim, no Form 10F. The Kenya DTAA caps interest at 10%, and with five years of condonation plus Section 244A interest, TrustNRI recovered more than I'd expected. The property sale Form 13 the next year was the real cherry.”
D.F.
🇰🇪 Business Owner, Nairobi
“5% on dividends, territorial tax in HK, and the 2018 DTAA that most banks don't even know about... TrustNRI recovered HK$45,000 from my Indian equity portfolio. IRD TRC took 3 weeks, they guided every step.”
S.J.
🇭🇰 VP, Hong Kong
FAQ
Common questions
Three things that actually differ
Why NRIs across 46 countries choose TrustNRI
What a specialist NRI tax team actually does differently, not the generic three-bullet pitch.
Treaty rate, not slab rate.
Generic CAs default to 30% slab on NRO TDS. We file at the treaty rate, commonly 10-15% on interest, via Form 41 (formerly Form 10F), your country's TRC and the ITR, current year plus 5 past years under Section 119(2)(b) condonation. Note on the past years: Circular 11/2024 allows no Section 244A interest on a condoned refund, so what comes back is the over-withheld principal.
46 countries × every Section.
Treaty-article-level coverage across US, UK, UAE, Singapore, Canada, Australia + 25 more. Section 90 / 112A / 119 / 148 / 195 and representation under Section 515 (formerly 288) mapped. Cross-jurisdictional coordination in one engagement, including the US side. Note that Schedule FA and Form 67 (Form 44 from tax year 2026-27) are resident filings, so they belong to a returning NRI's return rather than a non-resident one, and we tell you which you are before filing either.
Stay abroad. We do India.
Section 288 faceless representation handles your AO directly. The lower-deduction certificate, Form 128 under Section 395 (the old Form 13), filed before the sale closes. Form 145 and Form 146 (formerly 15CA and 15CB) cleared for repatriation. WhatsApp updates from your senior CA. Zero flights, zero filings done by you.
₹12Cr+
recovered for NRIs across 46 countries
Every month you wait is a month of over-withheld cash sitting with the department.
The longer you wait, the less of it you can still claim.
Two minutes with your 26AS. We'll show you exactly what you're owed, before you decide on anything.