Living abroad?
You are leaving money behind.
Left India and still have an FD, mutual fund folio, or property here? You're overpaying tax. India has treaties with 90+ countries capping your TDS at 10-15%. Your bank is still deducting 30%. We fix that, with the TRC, Form 10F / Form 41, and the ITR line items that actually claim the refund.
₹30,000 - ₹2,00,000
lost per year by the average NRI
30+
countries covered
Pick your country. We will show you the rest.
Each country has a different DTAA with India. Your savings depend on where you are.
Myanmar
about 2,000,000 (MEA, January 2026: 1,997,500 persons of Indian origin and only 2,500 NRIs) NRIs · Interest: 10%
Zambia
about 30,000 (MEA, January 2026: 25,000 persons of Indian origin and 5,000 NRIs) NRIs · Interest: 10%
Panama
about 15,173 (MEA, January 2026: 4,000 NRIs and 11,173 PIOs) NRIs · Interest: 30%
Mexico
10,000-15,000 (Indian Embassy in Mexico estimate, broader community including NRIs, PIOs, temporary workers and students; the earlier 2018 MEA figure of about 6,500 was narrower) NRIs · Interest: 10%
Maldives
about 59,900 (MEA, May 2026: 59,725 NRIs and 141 PIOs) NRIs · Interest: 30%
Jordan
about 18,940 (MEA, January 2026: 18,787 NRIs and 153 PIOs) NRIs · Interest: 10%
Malawi
about 17,500 (MEA, January 2026: 9,000 NRIs and 8,500 PIOs) NRIs · Interest: 30%
Brunei Darussalam
about 14,750 (MEA, January 2026: 14,500 NRIs and 251 PIOs) NRIs · Interest: 30%
Romania
about 13,500 (13,099 NRIs plus 362 PIOs, MEA 2026) NRIs · Interest: 10%
Seychelles
about 13,300 (MEA, January 2026: 8,235 NRIs and 5,115 PIOs) NRIs · Interest: 30%
Botswana
about 12,500 (MEA, January 2026: 9,371 NRIs and 3,129 PIOs) NRIs · Interest: 10%
Czech Republic (Czechia)
about 12,200 (11,545 NRIs and 662 PIOs, MEA Jan 2026) NRIs · Interest: 10%
Greece
about 11,500 (11,333 NRIs and 158 PIOs, MEA, Jan 2026) NRIs · Interest: 30%
Trinidad and Tobago
about 701,200 (1,200 NRIs and 700,000 PIOs) NRIs · Interest: 10%
Chile
about 4,000 (2,500 NRIs and 1,500 PIOs, MEA Jan 2026) NRIs · Interest: 10%
Guyana
about 324,000 (2,000 NRIs and 322,000 PIOs) NRIs · Interest: 30%
Fiji
about 318,000 (2,283 NRIs and 316,081 PIOs) NRIs · Interest: 10%
Croatia
about 12,300 (12,176 NRIs and 86 PIOs, MEA Jan 2026) NRIs · Interest: 10%
Slovakia (Slovak Republic)
about 10,100 (10,000 NRIs and 94 PIOs, MEA Jan 2026) NRIs · Interest: 15%
Iran
about 9,500 (MEA, January 2026: 9,000 NRIs and 488 PIOs) NRIs · Interest: 10%
Russia
60,000+ (Ministry of External Affairs estimate, though most of that is the 31,000+ Indian student population; the settled community with real financial ties back home is closer to 14,000) NRIs · Interest: 10%
Egypt
about 5,700 (5,407 NRIs and 283 PIOs, MEA, January 2026) NRIs · Interest: 30%
Türkiye (Turkey)
about 4,200 (3,686 NRIs plus 509 PIOs, MEA figures for 2026) NRIs · Interest: 15%
Argentina
about 2,600 (MEA, January 2026: 800 NRIs and 1,800 PIOs) NRIs · Interest: 30%
Cayman Islands
about 2,500 (MEA, January 2026: 2,400 NRIs and 100 PIOs) NRIs · Interest: 30%
Suriname
about 165,125 (125 NRIs and 165,000 PIOs) NRIs · Interest: 30%
Belarus
about 1,526 (MEA, January 2026: 1,375 NRIs and 151 PIOs; many are medical students) NRIs · Interest: 10%
Morocco
about 1,368 (MEA, January 2026: 1,267 NRIs and 101 PIOs) NRIs · Interest: 10%
Lithuania
about 7,900 (7,835 NRIs and 34 PIOs, MEA, January 2026) NRIs · Interest: 10%
Armenia
about 7,561 (MEA, January 2026: 7,540 NRIs and 21 PIOs; many are medical students) NRIs · Interest: 10%
Jamaica
about 75,000 (5,000 NRIs and 70,000 PIOs) NRIs · Interest: 30%
Serbia
about 6,700 (MEA, January 2026: 6,658 NRIs plus 37 PIOs) NRIs · Interest: 10%
Saint Vincent and the Grenadines
about 6,570 (MEA, January 2026: 70 NRIs and 6,500 PIOs) NRIs · Interest: 30%
Uzbekistan
about 5,567 (MEA, January 2026: 5,500 NRIs and 67 PIOs; many are students) NRIs · Interest: 10%
Sierra Leone
about 4,519 (MEA, January 2026: 4,500 NRIs and 19 PIOs) NRIs · Interest: 30%
Slovenia
about 3,000 (2,903 NRIs and 88 PIOs, MEA Jan 2026) NRIs · Interest: 10%
Taiwan
about 2,555 (2,524 NRIs and 31 PIOs, Ministry of External Affairs, January 2026) NRIs · Interest: 10%
Mozambique
about 25,000 (3,000 NRIs and 22,000 PIOs) NRIs · Interest: 10%
Democratic Republic of the Congo
about 25,000 (22,000 NRIs and 3,000 PIOs) NRIs · Interest: 30%
Estonia
about 2,060 (2,010 NRIs and 54 PIOs, MEA, January 2026) NRIs · Interest: 10%
Lebanon
about 2,040 (MEA, January 2026: 2,000 NRIs and 40 PIOs) NRIs · Interest: 30%
Madagascar
about 17,500 (2,500 NRIs and 15,000 PIOs) NRIs · Interest: 30%
Colombia
about 1,305 (MEA, January 2026: 991 NRIs and 314 PIOs) NRIs · Interest: 10%
Yemen
about 1,120 (MEA, January 2026: 700 NRIs and 420 PIOs) NRIs · Interest: 30%
Bulgaria
about 1,077 (MEA, January 2026: 949 NRIs plus 128 PIOs) NRIs · Interest: 15%
Belize
about 803 (MEA, January 2026: 275 NRIs and 528 PIOs) NRIs · Interest: 30%
Malta
7,000+ (2021 census-based estimate; broader labour-migration counts run as high as 30,000) NRIs · Interest: 10%
Saint Kitts and Nevis
about 600 (MEA, January 2026: 500 NRIs and 100 PIOs) NRIs · Interest: 30%
Liberia
about 3,702 (MEA, January 2026: 3,700 NRIs and 2 PIOs) NRIs · Interest: 30%
Ethiopia
about 2,500 (MEA, January 2026: 2,493 NRIs and 7 persons of Indian origin) NRIs · Interest: 10%
Grenada
about 12,800 (800 NRIs and 12,000 PIOs) NRIs · Interest: 30%
Hungary
about 9,700 (8,700 NRIs and 1,000 PIOs) NRIs · Interest: 10%
Zimbabwe
about 9,500 (2,100 NRIs and 7,400 PIOs) NRIs · Interest: 30%
Latvia
about 6,100 (6,123 NRIs, MEA, January 2026) NRIs · Interest: 10%
The Bahamas
about 350 (MEA, January 2026: 330 NRIs and 20 PIOs) NRIs · Interest: 30%
Libya
about 3,000 (MEA, January 2026: 3,000 NRIs, no PIOs recorded) NRIs · Interest: 30%
Kyrgyzstan (Kyrgyz Republic)
about 270 (MEA, January 2026: 200 NRIs and 70 PIOs). Indian medical students, whose numbers vary sharply from year to year, may not be fully reflected in this figure NRIs · Interest: 10%
British Virgin Islands
about 250 (MEA, January 2026: 230 NRIs and 20 PIOs) NRIs · Interest: 30%
Tajikistan
about 1,760 (MEA, January 2026: 1,760 NRIs and no PIOs), many of them medical students NRIs · Interest: 10%
Mauritius
780,000 (PIO + ~12,000 NRIs) NRIs · Interest: 7.5%
Georgia
about 604 (MEA, January 2026: 600 NRIs and 4 PIOs; many are students) NRIs · Interest: 10%
Albania
about 554 (MEA, January 2026: 550 NRIs plus 4 PIOs) NRIs · Interest: 10%
Afghanistan
about 169 (MEA, January 2026: 167 PIOs and 2 NRIs) NRIs · Interest: 30%
Turkmenistan
about 104 (MEA, January 2026: 100 NRIs and 4 PIOs) NRIs · Interest: 10%
Liechtenstein
About 88 overseas Indians (36 NRIs and 52 PIOs), per the MEA's January 2026 table NRIs · Interest: 30%
Monaco
about 53 (MEA, January 2026: 10 NRIs and 43 PIOs) NRIs · Interest: 30%
Sudan
about 300 (MEA, January 2026: 300 NRIs, no PIOs listed). MEA's April 2026 brief puts the community at around 200, down from about 4,000 before the 2023 conflict NRIs · Interest: 10%
Gibraltar
not listed by MEA; Gibraltar's 2022 census counted about 380 residents born in India and 693 Hindus NRIs · Interest: 30%
Mongolia
about 102 (MEA, January 2026: 93 NRIs and 9 PIOs) NRIs · Interest: 15%
Sri Lanka
10,000-15,000 (Indian passport holders) NRIs · Interest: 10%
Iceland
about 746 (509 NRIs and 237 PIOs) NRIs · Interest: 10%
North Macedonia
about 52 (MEA, January 2026: 43 NRIs plus 9 PIOs) NRIs · Interest: 10%
Bhutan
about 50,000 (MEA, January 2026: all counted as NRIs, no PIOs; MEA describes them as Indians working in Bhutan) NRIs · Interest: 10%
Uruguay
about 1,000 (950 NRIs and 50 PIOs) NRIs · Interest: 10%
Kazakhstan
about 7,956 (MEA, January 2026: all counted as NRIs, no PIOs; a large share are students, mostly in medical universities) NRIs · Interest: 10%
Namibia
about 65 (MEA, January 2026: 65 NRIs, no PIOs recorded) NRIs · Interest: 10%
Samoa
about 50 (MEA, January 2026: 50 people of Indian origin, no NRIs listed) NRIs · Interest: 30%
Brazil
4,000-5,000 NRIs · Interest: 15%
Ukraine
about 1,150 NRIs (Indian citizens resident in Ukraine, MEA January 2026; MEA lists no PIOs) NRIs · Interest: 10%
Marshall Islands
about 6 (MEA, January 2026: 4 NRIs and 2 PIOs) NRIs · Interest: 30%
United States of America
5 million+ NRIs · Interest: 15%
Jersey
about 410 born in India (Jersey 2021 Census; the MEA table does not list Jersey separately) NRIs · Interest: 30%
United Arab Emirates
3.5 million+ NRIs · Interest: 12.5%
Saudi Arabia
2.5 million+ NRIs · Interest: 10%
United Kingdom
1.7 million+ NRIs · Interest: 15%
South Africa
~1.4 million PIOs (mostly multi-generation), ~25,000 NRIs NRIs · Interest: 10%
Canada
1.4 million+ NRIs · Interest: 15%
Kuwait
1 million+ NRIs · Interest: 10%
Australia
800,000+ NRIs · Interest: 15%
Oman
780,000+ NRIs · Interest: 10%
Qatar
750,000+ NRIs · Interest: 10%
Syria
about 60 Indian nationals (MEA India-Syria brief, July 2026). MEA's January 2026 diaspora table lists 0 NRIs · Interest: 10%
Singapore
600,000+ NRIs · Interest: 15%
Nepal
600,000+ (estimates vary widely given the open border) NRIs · Interest: 10%
Bahrain
350,000+ NRIs · Interest: 30%
Germany
250,000+ NRIs · Interest: 10%
Malaysia
250,000+ NRIs · Interest: 10%
New Zealand
250,000+ NRIs · Interest: 10%
Thailand
250,000+ NRIs · Interest: 10%
Philippines
250,000+ NRIs · Interest: 15%
Italy
200,000+ NRIs · Interest: 15%
France
130,000+ NRIs · Interest: 10%
San Marino
about 1 (1 NRI and no PIOs, MEA January 2026) NRIs · Interest: 30%
Ireland
110,000+ NRIs · Interest: 10%
Kenya
110,000+ NRIs · Interest: 10%
Bangladesh
10,385 NRIs (Ministry of External Affairs, plus 6 PIOs) NRIs · Interest: 10%
Portugal
100,000+ NRIs · Interest: 10%
Israel
100,000+ NRIs · Interest: 10%
Norway
75,000+ NRIs · Interest: 10%
Netherlands
60,000+ NRIs · Interest: 10%
Nigeria
60,000+ NRIs · Interest: 30%
Switzerland
60,000+ NRIs · Interest: 10%
Japan
60,000+ NRIs · Interest: 10%
Hong Kong
60,000+ NRIs · Interest: 10%
Tanzania
60,000+ (of Indian origin) NRIs · Interest: 10%
China
45,000+ NRIs · Interest: 10%
Poland
38,000+ NRIs · Interest: 10%
Spain
35,000+ NRIs · Interest: 15%
Sweden
~30,000 (NRIs + PIOs combined) NRIs · Interest: 10%
Uganda
30,000+ (of Indian origin) NRIs · Interest: 10%
Indonesia
25,000+ NRIs · Interest: 10%
Finland
18,000+ NRIs · Interest: 10%
Austria
15,000+ NRIs · Interest: 10%
Belgium
11,000+ NRIs · Interest: 15%
South Korea
10,000+ NRIs · Interest: 10%
Denmark
10,000+ NRIs · Interest: 15%
Cyprus
8,000+ (Statistical Service of Cyprus survey; some community estimates run higher) NRIs · Interest: 10%
Vietnam
6,000+ NRIs · Interest: 10%
Luxembourg
4,600+ NRIs · Interest: 10%
Macao SAR
Not published: the MEA's January 2026 table has no separate Macao row NRIs · Interest: 30%
Isle of Man
Not published separately: the MEA's January 2026 table has no Isle of Man row NRIs · Interest: 30%
Guernsey
Not published separately: the MEA's January 2026 table has no Guernsey row NRIs · Interest: 30%
Bermuda
Not published separately: the MEA's January 2026 table has no Bermuda row NRIs · Interest: 30%
Montenegro
Not published: the Ministry of External Affairs (MEA) gives no separate figure for Montenegro NRIs · Interest: 10%