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Choosing an NRI CA

How to pick the right CA for NRI tax
and who we are, so you can judge for yourself.

Most NRIs don't need a bigger firm. They need a CA who actually works on NRI cases, one who is on the ICAI register, claims your treaty rate without being asked, handles everything remotely, and puts the fee in writing before any work starts. Below is how to check each of those, and an honest account of where we stand on them.

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ICAI-registered CA teamServing 31 countriesFree 15-min consult

ICAI-registered CA · Section 288 representation · NRI cases from 31 countries

What makes a CA right for NRI work

Four things to check. The rest is noise.

A long client list and a glossy website tell you little. These four are what decide whether your refund lands and your filing clears the first time.

ICAI-registered, and verifiable

Only a Chartered Accountant on the ICAI register can sign Form 15CB, represent you under Section 288, or stand behind a filing if the assessing officer pushes back. Ask for the membership number and check it yourself on the ICAI portal before you share a single document.

Works on NRI cases every day

An NRI return is not a resident return with a foreign address. It turns on residential status (Section 6), the right treaty article, Form 10F, a TRC from your country, and Schedule FA. A generalist who files mostly resident returns will miss the DTAA claim that is the whole point.

Fully remote, by design

You should never need to fly down or post originals. Documents move over a secure channel, drafts come to you for approval, and you e-verify from wherever you live. The right CA has done this from 31 countries and treats remote as the default, not a favour.

Quotes in writing, before any work

The honest pattern is a complete written quote before you commit, everything included, pass-through costs (government fees, courier) shown separately at cost. Be wary of a low headline number that grows into documentation, follow-up, and rework fees once the work is underway.

Side by side

The right NRI CA vs the common one.

Same letters after the name. A very different filing. This is the gap NRIs feel only after a refund is missed or a notice arrives, so it's worth checking before you hire, not after.

A CA who specialises in NRIs

What you want

A generalist treating you as a resident

What most NRIs end up with

Asks your country first, then claims the DTAA rate (Article 11 / 10 / 13) automatically

Files at the default 30% / 20% TDS and never mentions the treaty

Confirms residential status under Section 6 before deciding which return applies

Treats you like a resident client with an overseas address

Files Form 10F + collects your TRC and cites the correct treaty article

Skips Form 10F, so the lower rate is disallowed at the portal

Offers to recover past years (Section 119(2)(b) condonation) where eligible

Only looks at the current year, leaves past refunds on the table

Discloses foreign assets in Schedule FA where required

Omits Schedule FA, a Black Money Act exposure that surfaces years later

Gives a complete written quote before starting, rework on us

Low headline fee, then documentation + follow-up + refile charges

Tracks the case on WhatsApp with dates in writing

Messages read, replies eventually, no committed timeline

This is a criteria-based comparison, not a swipe at any particular firm. Plenty of good CAs work mainly with resident clients, they're simply not set up for the treaty mechanics an NRI return turns on.

Who you'd be working with

An ICAI CA who only does NRI work.

We're a small, deliberate setup: a founder who built TrustNRI for NRIs, and a Chartered Accountant who handles every filing. No call-centre layer between you and the person doing the work.

PM

Preetesh Maloo

Chartered Accountant, NRI Tax Partner

Preetesh is the ICAI-registered Chartered Accountant who handles TrustNRI's execution side, DTAA filings, Section 197 lower-deduction certificates, Section 148 notice responses, and Section 119(2)(b) condonation petitions for past-year refunds. He works directly on every NRI engagement.

ICAI-registered CASection 197 Form 13DTAA / Form 10F filingsSection 148 defence
See full profile
VS

Vipul Sharma

Founder

Vipul founded TrustNRI after seeing how many NRIs quietly overpay the TDS India deducts on their investments, a structural gap most don't know exists. He set the firm up around NRI cases specifically, working directly with the CA on every engagement.

See full profile

31-country coverage

We've handled the TRC route and treaty position for NRIs across the US, UK, UAE, Singapore, Canada, Australia, the Gulf, Europe and more, so your country isn't a first for us.

Interests aligned

On recovery work, our fee is tied to what you actually get back, so we have every reason to chase the full refund, not just file and move on.

Section 288 representation

If a notice or query comes up, the CA can represent you before the assessing officer as your Authorised Representative (Section 288), you don't have to be in India.

Want a read on your case before you decide anything?

Free 15-min call with the CA who'd handle it. You get a written quote before you commit.

Senior CA who specialises in NRI tax · we deal with the tax officer, you don't

NRIs who chose a specialist, and got the refund

Anonymised recoveries. Remote filings from 31 countries.

RK

R.K.

Software Engineer, Dubai

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.

Recovered ₹2,80,000

PS

P.S.

Product Manager, Seattle

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.

Recovered $1,800+

MN

M.N.

Data Scientist, Singapore

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.

Recovered ₹3,15,000

How engagement works

Three steps. No surprises.

You can stop after the first call with no obligation. Most NRIs engage because the quote is in writing and the plan is specific to their case.

Step 1

Free 15-minute call

Tell us your country, your Indian income, and what's outstanding. Our CA tells you what's recoverable, what isn't, and the realistic timeline. No commitment, no script.

Step 2

Written quote before you commit

You get the complete fee in writing, case-to-case, because a ₹50L flat is not a ₹5cr property and an ITR-2 with a 401(k) is not one without. Pass-through costs are shown separately at cost. You decide with the number in front of you.

Step 3

Tracked on WhatsApp to closure

Once you engage, you get a filing date and an expected-closure date, both in writing, both tracked on WhatsApp. You approve drafts remotely and e-verify from where you live. If anything slips, you hear it from us first.

Check any CA in two minutes, including ours.

Don't take anyone's word for it. Ask for the ICAI membership number, then look it up on the institute's public "Find a Member" / Member Directory. If a name isn't on the register, that person cannot sign a Form 15CB or represent you under Section 288, no matter what the website says.

Open the ICAI website

Best CA for NRIs: straight answers

Who is the best CA for NRIs?

There is no single name that is best for every NRI, and any CA who claims to be should make you cautious. The best CA for your case is the one who is ICAI-registered and verifiable, works on NRI returns every day so they claim your treaty rate and file Form 10F as standard, works fully remotely, and puts the fee in writing before starting. TrustNRI is built around exactly those four things: ICAI-registered Chartered Accountants, NRI tax as the only focus, remote work across 31 countries, and a written quote before any work begins. Check us the same way you would check anyone, by verifying the CA's ICAI membership number on the institute's register.

How do I find the best CA for NRI tax filing?

Work down four checks. First, confirm the person is on the ICAI register: ask for the membership number and look it up yourself. Second, ask how they will handle your DTAA claim, Form 10F and Schedule FA; a genuine NRI specialist answers without hesitating. Third, confirm the whole engagement is remote, because you should never have to fly to India for a filing. Fourth, insist on a complete written quote before any work starts. A CA who clears all four is the right one, whether that turns out to be us or someone else.

Who is the best CA for NRIs in the US, UK or UAE?

The best CA for a US, UK or UAE NRI is one who knows your country's tax treaty with India and, where you also file abroad, coordinates cleanly with your local CPA or adviser so you are not taxed twice. A US NRI needs someone who handles the India side alongside FBAR and Form 8938; a UK NRI, someone who lines up with HMRC; a Gulf NRI, someone who applies the correct low or zero treaty rate. TrustNRI works with NRIs across 31 countries and coordinates the India side with your foreign filing.

How do I verify a CA is genuinely ICAI-registered?

Ask for the Chartered Accountant's ICAI membership number, then look it up on the Institute of Chartered Accountants of India (ICAI) website using its public member directory / 'Find a Member' search. Only someone on that register can sign a Form 15CB, certify a remittance, or represent you before the assessing officer under Section 288. If a name isn't on the register, treat any 'CA' claim with caution, no matter what a website states. It's a two-minute check and you should do it before sharing any documents.

Can a CA file my Indian taxes if I live abroad?

Yes. NRI filing is fully remote. You don't need to fly to India or post original documents. You share documents over a secure channel, the CA drafts the return, you approve it, and you e-verify from wherever you live. If a notice or query arises, the CA can act as your Authorised Representative before the assessing officer under Section 288, so you're represented in India without being there. We've handled NRI filings remotely for clients across 31 countries.

What does a CA for NRIs cost?

It's case-to-case, and the only honest answer is a written quote for your specific situation, not a number on a web page. A simple NRO-interest ITR is not the same work as an ITR-2 with capital gains, a 401(k), Schedule FA disclosure, and a past-year DTAA recovery. The right way to find out is a free 15-minute call: the CA scopes your case and gives you a complete quote in writing, with any pass-through costs (government fees, courier) shown separately at cost, before you commit to anything. Be wary of a low headline fee that later grows through documentation, follow-up, and rework charges.

What's the difference between an NRI-specialist CA and a regular CA?

An NRI return turns on things a resident return never touches: residential status under Section 6, the right tax-treaty article for your country, Form 10F plus a Tax Residency Certificate, foreign-asset disclosure in Schedule FA, and often a past-year refund recovery. A generalist who mostly files resident returns can miss the DTAA claim that is the whole reason to file, leaving the default 30% / 20% TDS in place. A CA who works on NRI cases every day claims the treaty rate as standard and knows the country-by-country TRC routes.

Can a CA help me recover TDS my previous CA never claimed?

Often, yes. If your earlier returns were filed at the default TDS rate with no treaty claim, the over-withheld tax for past years can frequently be recovered through a condonation petition under Section 119(2)(b), within the time window CBDT allows. A specialist will review the last few years of your 26AS / AIS, identify what was missed, and tell you honestly what's recoverable before you engage.

Written by Vipul Sharma, Founder. Reviewed by Preetesh Maloo, CA (ICAI-registered). We update this page as filing rules and forms change, most recently the Form 10F to Form 41 transition (FY 2026-27, Income-tax Act 2025).

Comparing CAs for your Indian tax work?

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Senior CA who specialises in NRI tax · we deal with the tax officer, you don't