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NRI tax, explained like
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No jargon walls. No 50-page PDFs. Just clear answers about DTAA, TDS, and how to stop overpaying India.

Featured

What is DTAA? The One Thing Standing Between You and ₹2 Lakh

India signed tax treaties with 90+ countries. These treaties cap how much tax India can deduct from your investments. Most NRIs have no idea they exist.

8 min read2026-03-15
documentstrc

How to Get Your Tax Residency Certificate — Country by Country

Without a TRC, India won't give you treaty rates. Here's how to get one from your country — with exact steps, costs, and timelines.

10 minRead
documentsform-10f

Form 10F for NRIs — What It Is, How to Fill It, Why It Matters

Your TRC alone isn't enough. India also needs Form 10F — a self-declaration that takes 5 minutes but most NRIs either skip or fill incorrectly.

6 minRead
documents26as

How to Read Your Form 26AS as an NRI — And Find Hidden TDS

26AS is your TDS receipt book. It tells you exactly who deducted how much, and whether you've been overpaying. Here's how to read it like a pro.

7 minRead
recoveryrefund

NRI TDS Refund — How to Claim Back Excess Tax from India

India has been collecting more tax from you than it should. Here's the exact process to get it back — including past years.

9 minRead
recoverycondonation

Section 119(2)(b) — How NRIs Can Recover TDS from Past 6 Years

You missed claiming DTAA last year. And the year before that. And the year before that. Good news: India lets you go back 6 years and claim it all.

7 minRead
investmentsmutual-funds

NRI Mutual Fund TDS — The Recovery Guide Nobody Wrote

When you redeem mutual funds as an NRI, your AMC deducts TDS at rates that might be higher than your DTAA treaty allows. Especially if you're in Singapore, UK, or Netherlands.

8 minRead
propertyhome-loan

NRI Home Loans in India — What Banks Won't Tell You Upfront

Indian banks love giving NRIs home loans. What they don't love is explaining the tax mess that follows — TDS on rent, capital gains on sale, repatriation limits, and DTAA implications.

10 minRead
bankingbfsi

7 Banking Mistakes NRIs Make That Cost Real Money

Indian banks welcome NRI deposits but rarely explain the tax traps. Here are 7 mistakes that quietly cost NRIs thousands every year.

7 minRead
country-guideuae

The UAE NRI Tax Guide — Everything Indians in Dubai Need to Know

3.5 million Indians in the UAE. Almost none claim their DTAA benefit. Zero income tax here, yet the default rate is 30% on your FDs. The treaty says 12.5%. Here's everything you need.

12 minRead
country-guidesingapore

Singapore NRIs: Your MF Gains Can Be Completely Tax-Free

Singapore doesn't tax capital gains. India's DTAA with Singapore exempts equity gains from Indian tax. If you're not claiming this, you're lighting money on fire.

7 minRead
country-guideunited-states

Indian Mutual Funds + US Tax = PFIC Nightmare. Here's Your Fix.

American NRIs face the worst of both worlds: PFIC treatment in the US and default 30% TDS in India. DTAA fixes one side. Here's how.

9 minRead
country-guideunited-kingdom

HMRC Is Watching Your Indian Accounts. British Indians, Take Note.

Post-April 2025, NRE interest is taxable in the UK under the new FIG regime. HMRC and India share data. If you're not declaring and not claiming DTAA, you're exposed on both sides.

9 minRead
country-guidecanada

T1135, FATCA, and the Indian MF Problem for Canadian NRIs

Over CAD$100K in Indian assets? CRA wants to know. Your AMC may have frozen your account. And your pension might get taxed twice. Welcome to life as a Canadian NRI.

9 minRead
country-guidesaudi-arabia

2.5 Million Indians in Saudi Arabia. The DTAA Nobody Told Them About.

India's DTAA with Saudi Arabia offers 5% dividend TDS — the lowest available. From Riyadh IT engineers to Dammam construction workers, everyone qualifies. Almost nobody claims it.

8 minRead
country-guideoman

Oman's DTAA Interest Rate Beats UAE. Oman NRIs, Are You Claiming It?

Everyone talks about Dubai. But Oman's DTAA with India actually offers a lower interest rate: 10% vs UAE's 12.5%. If you're in Muscat, you're leaving money on the table.

7 minRead
country-guidegermany

German NRIs: 45% Tax at Home + 30% TDS in India. The Fix Is Called DTAA.

Between income tax, solidarity surcharge, and church tax, Germany already takes up to 47.5% of your earnings. facing 30% TDS on your Indian FDs on top of that stings. The DTAA fixes this.

8 minRead
country-guidenetherlands

The India-Netherlands DTAA Is the Most Powerful Treaty on Earth

The India-Netherlands DTAA has a residual clause (Article 22) that exempts mutual fund capital gains from Indian tax. India wants to renegotiate. Claim it while it lasts.

8 minRead
country-guidenigeria

7.5% Interest Rate. Nigerian Indians Get the Best DTAA Deal India Offers.

Out of 90+ DTAAs India has signed, Nigeria gets the lowest interest TDS rate: 7.5%. That's a 22.5% saving over the default. Most Nigerian Indians have never heard of it.

8 minRead
country-guidehong-kong

Hong Kong NRIs: 5% Dividends + Territorial Tax = You Win Twice

Hong Kong's territorial tax system ignores your Indian income. India's DTAA with HK caps dividends at 5% and interest at 10%. Most HK Indians claim neither. Big mistake.

8 minRead
compliancetax-notice

Got a Tax Notice from India? 70% of NRI Investors Did in 2024.

India's Project Insight AI is flagging NRIs at scale. 70% of NRI investors got notices in 2024. Most had no idea why. Here's the playbook.

9 minRead
repatriationcompliance

Getting Money Out of India: 15CA, 15CB, and the Repatriation Maze

You earned it. India taxed it. Now you want to send it home. But between you and your money are two forms, a CA certificate, a $1 million cap, and a purpose code that can freeze your transfer for weeks.

8 minRead
propertytds

The NRI Property Sale Nightmare — TDS, Buyers, Forms, and Survival

The buyer deducts 12.5% TDS on the FULL sale price. Not your profit. The full price. That's Rs 25 lakh deducted on a Rs 2 crore sale when your actual tax is Rs 18.75 lakh. Welcome to NRI property sales.

10 minRead
bankingkyc

Rs 47 Lakh Stuck in a Frozen Account. This Is How It Happens.

An NRI deposited Rs 47 lakh into his IndusInd account. Then it froze. KYC wasn't complete. Money in, nothing out. This happens more than banks admit.

7 minRead
returningrnor

Moving Back to India? RNOR Could Save You Lakhs. Banks Won't Mention It.

When you move back to India, banks quietly convert your NRE to a resident account. What they don't tell you: RNOR status can shield your foreign income from Indian tax for up to 3 years.

8 minRead
kyccompliance

Your KYC Expired. Your Mutual Funds Are Frozen. Welcome to the Club.

SEBI froze thousands of NRI mutual fund folios in April 2024. PAN cards blocked from trading. Demat accounts locked. All for expired KYC. Here's how to unfreeeze.

7 minRead
rulingmutual-funds

ITAT Says Your MF Gains Are Tax-Free. But Should You Bet On It?

A Singapore NRI redeemed Rs 1.35 crore in mutual fund gains. Paid zero tax. ITAT ruled MF units aren't shares under DTAA — they're taxable only in the residence country. Is this the real deal?

8 minRead