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The average Gulf NRI leaves AED 3,750 on the table. Every year.

You're an Indian in the Gulf. When you earn interest, dividends, or capital gains from investments in India, the payer deducts TDS (Tax Deducted at Source), typically 30% for NRIs. But India and UAE have a DTAA (Double Tax Avoidance Agreement) that caps this at 12.5%. That gap is your refund. We file the TRC, Form 10F / Form 41, and ITR that pull it back.

or talk to a Gulf NRI DTAA expert
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Gulf NRI

FD Interest · DTAA Benefit

Without DTAA− ₹31,500
With DTAA (UAE)− ₹13,125
You save₹18,375/yr

Over 5 years, that's

₹91,875

and that's just on FD interest alone

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Every case handled by a practising CA

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Bank-grade Security

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4,200+ NRIs

across 31 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, and coming back are three totally different tax problems. We handle all three, pick the stage you're in and we'll route you to the right tools and the right CA.

Stage 1

Just moved abroad

Get the first 182 days right. Section 6 status, bank account conversion, Form 10F / Form 41, and your split-year ITR, in the right order.

New NRI playbook
Stage 2

Established NRI

Run the Compliance Radar in 2 minutes. Every red flag on your case, unclaimed DTAA, expired TRC, Schedule FA gaps, unread notices, with a fix next to each.

Run the Radar
Stage 3

Coming back to India

The RNOR window is 2–3 years. Most people waste it. Map FCNR timing, NRE-to-RFC, foreign investment exit, and Schedule FA in one plan.

RNOR playbook

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.

TDS deducted in India on your income (30%)30%
What the India–UAE DTAA allows12.5%

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.

or pick a different country →

How it works

From overpaying to recovered.
Five steps. Zero visits to India.

01

Upload your 26AS

Drop your Form 26AS. We instantly find every TDS entry where you overpaid.

02

See your exact savings

Country-specific DTAA rates cross-referenced with every deductor. No guesswork.

03

We handle the paperwork

TRC guidance, Form 10F / Form 41, ITR filing or amendment, our CAs take care of it.

04

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). Including Section 244A interest.

05

Money back in your account

Refund tracked end-to-end. Average processing: 3-6 months.

Recent recoveries

A.K.

Engineer, Dubai · 3 years recovered

+₹1,47,000

Feb 2026

M.N.

Tech Lead, Singapore · 5 years recovered

+₹3,15,000

Jan 2026

P.S.

Product Manager, Seattle · 2 years recovered

+₹89,000

Mar 2026

V.P.

NHS Doctor, London · 4 years recovered

+₹2,40,000

Dec 2025

R.J.

Oil & Gas, Muscat · 6 years recovered

+₹4,70,000

Jan 2026

Anonymized. Based on actual client recoveries. Individual results vary.

31 countries

DTAA rates and recovery guides,
built for where you live.

United Arab Emirates

3.5 million+ NRIs · 30% → 12.5%

Save 17.5%

Oman

780,000+ NRIs · 30% → 10%

Save 20%

Saudi Arabia

2.5 million+ NRIs · 30% → 10%

Save 20%

Qatar

750,000+ NRIs · 30% → 10%

Save 20%

Bahrain

350,000+ NRIs · 30% → 30%

Kuwait

1 million+ NRIs · 30% → 10%

Save 20%

Income types

Nine income types. Nine DTAA rates. All recoverable.

FD Interest

Your bank deducts 30% TDS on NRI FD interest under Section 195. Residents pay 10%. DTAA Article 11 caps the NRI rate by country: **Mauritius 7.5%** (lowest), most Gulf and Continental Europe 10%, UAE 12.5%, US / UK / Singapore / Canada / Australia / Denmark 15%. **Bahrain and Nigeria have no comprehensive DTAA** (only TIEAs) — 30% applies in full, with no recovery via treaty. On a ₹50 lakh FD at 7% (₹3.5 lakh annual interest), the saving ranges from zero (Bahrain, Nigeria) to ₹78,750 (Mauritius), with most NRIs in the ₹52,500–₹70,000 band depending on country.

₹5,000 – ₹60,000/year

Mutual Funds

Sell ₹50 lakh of equity MF gains as an NRI: AMC deducts 12.5% LTCG TDS = ₹6.25 lakh. Under the India-Singapore DTAA's pre-2017 grandfathering, that tax can be zero. Under the US treaty, the FTC offsets it. DTAA on MF gains is the single highest-leverage recovery for most portfolios.

₹0 – ₹1,50,000/year

Property Sale

Sell a ₹2 crore flat as NRI: Section 195 makes the buyer deduct 12.5% TDS plus surcharge plus 4% cess on the FULL ₹2 crore (not your gain) — that's 13.0% to 14.95% depending on the sale-value band, roughly ₹26–₹30 lakh blocked for 6–12 months. Form 13 under Section 197, filed 6–8 weeks before registration (30–45 working days AO turnaround), cuts it to your actual tax on the gain.

₹2L – ₹60L unblocked per sale

Dividends

Indian companies deduct 20% TDS on every dividend paid to NRIs under Section 195. DTAA Article 10 helps most countries — Saudi / Malaysia / Hong Kong tied at 5% (lowest); UAE / UK / Qatar / Kuwait / France / Japan / Germany / Netherlands / Ireland / Switzerland / Sweden / Norway / Indonesia and several others at 10%; Oman 12.5%; Australia / Singapore (individuals) / Mauritius (individuals) / South Korea / New Zealand at 15%. But six countries' individual NRIs get **ZERO DTAA relief** because the treaty cap matches or exceeds India's 20% domestic: **US, Canada, Denmark, Nigeria, Bahrain, Philippines**. For these, Foreign Tax Credit on the home-country return is the relief mechanism. On a ₹1 lakh annual dividend, savings range from ₹0 (US / Canada / Denmark / Nigeria / Bahrain / Philippines) to ₹15,000 (Saudi / Malaysia / Hong Kong).

₹2,000 – ₹30,000/year

NRO Interest

Your NRO savings and FD interest hit 30% TDS, even the small balance your salary lands in each month. DTAA Article 11 drops that to 10–15%. Most NRIs miss that even NRO savings interest qualifies for the treaty rate.

₹1,000 – ₹15,000/year

EPF/NPS

Withdraw ₹25 lakh of EPF before 5 years of service as NRI: 10% TDS under Section 192A = ₹2.5 lakh gone at withdrawal (20% if PAN absent). Time the withdrawal past the 5-year threshold and the principal turns tax-free; the employer contribution portion stays taxable but at slab rate. DTAA adds a further relief on the taxable slice.

₹10,000 – ₹1,00,000 (one-time)

Rental Income

Your tenant deducts 31.2% TDS on gross rent under Section 195, before the 30% standard deduction (Section 24) and municipal tax. On ₹6 lakh/year rent, that's ₹1.87 lakh deducted when your actual tax is closer to ₹75k. The ₹1.1 lakh gap is refundable only via ITR. DTAA doesn't reduce property income TDS under most treaties (Article 6 gives source country primary taxing rights).

₹50,000 – ₹2,00,000 refundable via ITR

Bonds/NCDs

Interest from corporate bonds, NCDs, and government securities faces 30% TDS under Section 195. DTAA Article 11 caps it at 10–15%, same treaty clause that covers FD interest. **Two important carve-outs:** Tax-free PSU bonds (REC / NHAI / IRFC / PFC / HUDCO, issued 2012–2016) are coupon-exempt under Section 10(15)(iv)(h) — zero TDS regardless of country. ECBs and Masala bonds attract Section 194LC's three-tier concessional regime — 5% legacy (borrowings before 1 July 2023), 4% IFSC-listed (issued 1 April 2020 – 30 June 2023), and 9% for IFSC-listed long-term bonds borrowed on or after 1 July 2023; the 5% non-IFSC rate has sunset. On a regular ₹10 lakh NCD coupon, the DTAA gap is ₹1.5 lakh–₹2 lakh a year.

₹0 – ₹2,00,000/year (zero for tax-free PSU bonds; Section 194LC three-tier on ECBs / RDBs / Masala bonds — 5% legacy, 4% IFSC pre-1-July-2023, 9% IFSC post-1-July-2023)

ESOPs/RSUs

ESOPs from an Indian employer vested while you were resident, then exercised after you became NRI: India taxes the perquisite at your **slab rate** (10–45% depending on total income, NOT a flat 30%); your home country (US / UK / Singapore) often taxes the sale gain on the same shares. Without Form 67 FTC, you pay twice. With proper cross-border planning, ESOP/RSU effective tax can drop materially.

Highly variable; ₹50k–₹5L+ per year (slab-rate at exercise, capital-gains-rate on sale)

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.”

RK

R.K.

🇦🇪 Software Engineer, Dubai

₹2,80,000

“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.”

PS

P.S.

🇺🇸 Product Manager, Seattle

$1,800+

“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.”

VP

V.P.

🇬🇧 NHS Consultant, London

£2,100

“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.”

MN

M.N.

🇸🇬 Data Scientist, Singapore

₹3,15,000

“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.”

AK

A.K.

🇴🇲 Project Director, Muscat

₹4,70,000

“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.”

DV

D.V.

🇩🇪 Engineer, Walldorf

€2,200

“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.”

FH

F.H.

🇸🇦 Civil Engineer, Dhahran

₹4,10,000

“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.”

AR

A.R.

🇨🇦 Accountant, Toronto

CA$3,200

“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.”

KI

K.I.

🇦🇺 Data Engineer, Sydney

A$2,800

“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.”

RM

R.M.

🇳🇱 Chip Design Engineer, Eindhoven

€4,200

“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.”

DF

D.F.

🇰🇪 Business Owner, Nairobi

₹4,20,000

“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.”

SJ

S.J.

🇭🇰 VP, Hong Kong

HK$45,000

FAQ

Common questions

Everything on TrustNRI

Every page on TrustNRI in one search box.

70pages, tools, countries, guides, tax notices, the lot. Type what you're looking for.

Countries

All 31 NRI destinations

31 pages

United Arab Emirates NRIs

Interest 12.5% · Dividends 10% · 3.5 million+ NRIs

United States of America NRIs

Interest 15% · Dividends 20% · 5 million+ NRIs

United Kingdom NRIs

Interest 15% · Dividends 10% · 1.7 million+ NRIs

Singapore NRIs

Interest 15% · Dividends 15% · 600,000+ NRIs

Canada NRIs

Interest 15% · Dividends 20% · 1.4 million+ NRIs

Australia NRIs

Interest 15% · Dividends 15% · 800,000+ NRIs

Oman NRIs

Interest 10% · Dividends 12.5% · 780,000+ NRIs

Saudi Arabia NRIs

Interest 10% · Dividends 5% · 2.5 million+ NRIs

Qatar NRIs

Interest 10% · Dividends 10% · 750,000+ NRIs

Germany NRIs

Interest 10% · Dividends 10% · 250,000+ NRIs

Netherlands NRIs

Interest 10% · Dividends 10% · 60,000+ NRIs

Nigeria NRIs

No India-Nigeria DTAA. We still help with filings, Form 13, notices.

Bahrain NRIs

No India-Bahrain DTAA. We still help with filings, Form 13, notices.

Kuwait NRIs

Interest 10% · Dividends 10% · 1 million+ NRIs

France NRIs

Interest 10% · Dividends 10% · 130,000+ NRIs

Ireland NRIs

Interest 10% · Dividends 10% · 110,000+ NRIs

Switzerland NRIs

Interest 10% · Dividends 10% · 60,000+ NRIs

Malaysia NRIs

Interest 10% · Dividends 5% · 250,000+ NRIs

Japan NRIs

Interest 10% · Dividends 10% · 60,000+ NRIs

South Korea NRIs

Interest 10% · Dividends 15% · 10,000+ NRIs

Hong Kong NRIs

Interest 10% · Dividends 5% · 60,000+ NRIs

New Zealand NRIs

Interest 10% · Dividends 15% · 250,000+ NRIs

South Africa NRIs

Interest 10% · Dividends 10% · ~1.4 million PIOs (mostly multi-generation), ~25,000 NRIs NRIs

Kenya NRIs

Interest 10% · Dividends 10% · 110,000+ NRIs

Sweden NRIs

Interest 10% · Dividends 10% · ~30,000 (NRIs + PIOs combined) NRIs

Norway NRIs

Interest 10% · Dividends 10% · 75,000+ NRIs

Denmark NRIs

Interest 15% · Dividends 20% · 10,000+ NRIs

Thailand NRIs

Interest 10% · Dividends 10% · 250,000+ NRIs

Indonesia NRIs

Interest 10% · Dividends 10% · 25,000+ NRIs

Philippines NRIs

Interest 10% · Dividends 20% · 250,000+ NRIs

Mauritius NRIs

Interest 7.5% · Dividends 15% · 780,000 (PIO + ~12,000 NRIs) NRIs

Income types

DTAA rates by income

9 pages

Fixed Deposit Interest TDS

Default 30% · ₹5,000 – ₹60,000/year typical savings

Mutual Fund TDS

Default 12.5% · ₹0 – ₹1,50,000/year typical savings

Property Sale TDS

Default 12.5% · ₹2L – ₹60L unblocked per sale typical savings

Dividend TDS

Default 20% · ₹2,000 – ₹30,000/year typical savings

NRO Account Interest TDS

Default 30% · ₹1,000 – ₹15,000/year typical savings

EPF/NPS Withdrawal TDS

Default 10% · ₹10,000 – ₹1,00,000 (one-time) typical savings

Rental Income TDS

Default 31.2% · ₹50,000 – ₹2,00,000 refundable via ITR typical savings

Bond/NCD Interest TDS

Default 30% · ₹0 – ₹2,00,000/year (zero for tax-free PSU bonds; Section 194LC three-tier on ECBs / RDBs / Masala bonds — 5% legacy, 4% IFSC pre-1-July-2023, 9% IFSC post-1-July-2023) typical savings

ESOP/RSU Income TDS

Default 30% · Highly variable; ₹50k–₹5L+ per year (slab-rate at exercise, capital-gains-rate on sale) typical savings

₹12Cr+

recovered for NRIs across 31 countries

Section 244A interest is accruing on your refund right now.
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.

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