Form 26AS: Your Receipt for Every Rupee India Took

Form 26AS is the tax department's running log of every rupee deducted against your PAN. Your bank deducts TDS on FD interest, it shows up. Your AMC deducts on MF gains, it shows up. Your tenant deducts on rent, same. The buyer of your flat deposits TDS via Form 27Q, it lands here within 30 days.

Each entry carries the deductor's name and TAN, the income credited, the TDS amount, the deposit date, and the section code (195, 194A, 194I etc.).

For NRIs claiming DTAA, Form 26AS is the evidence of how much India actually took from you. No 26AS entry, no refund claim. Pull it from incometax.gov.in every quarter.

Two ways:

1. Income Tax Portal: Log into incometax.gov.in → My Account → View Form 26AS → Select the year → Download as PDF

2. TRACES: Go to tdscpc.gov.in → Register/Login as taxpayer → View 26AS → Download

Both give you the same data. The income tax portal is usually easier for most people.

Once you have the PDF, you can upload it on TrustNRI. We'll scan it instantly, match every TDS entry against your country's DTAA rates, and show you exactly how much you've been overpaying.

Part A. TDS from salary and other income: This is where you'll find bank interest TDS, dividend TDS, AMC-deducted mutual fund redemption TDS, and other withholdings. Look for entries where the tax rate is 30% or 20%, those are the ones likely deducted at default NRI rates instead of treaty rates.

Part A1. TDS for 15G/15H declarations (rarely populated for NRIs since 15G/15H are for residents only).

Part A2. TDS on payments by buyer/tenant/payer u/s 194-IA, 194-IB, 194-M, 194-S (deductor-side view). Normally empty for NRI taxpayers.

Part F. TDS on Sale of Immovable Property (seller-side view): If you sold property, the buyer's TDS deposit u/s 194-IA or 195 shows here against your PAN.

For each entry, note the deductor name, section code, and rate. Compare the rate with your DTAA treaty rate. If the deducted rate is higher than the treaty rate, that's your refund waiting to happen.

Or just upload the PDF and let us do the math.