Service · DTAA TDS recovery
30% NRO TDS — we cut it to the treaty rate
and recover up to 4 years of past TDS along with it.
Your NRO bank deducts 30% TDS by default. Your country's tax treaty with India usually allows 7.5% to 15%. The gap is 50-75% of every TDS deduction since you became an NRI. We file Form 10F + TRC + ITR-2/3 + Form 67, brief your bank for future TDS, and recover past TDS plus 244A interest. End-to-end. Flat fee. ICAI-registered.
31-country DTAA coverage · Section 288 representation · ₹12 Cr+ recovered for NRIs since 2018
Typical NRI recovery range
For a 4-year window: ₹40,000 to ₹15,00,000 of past TDS recovered, depending on income source mix. Plus 244A interest at 6% per annum for delayed refunds. Refund covers our fee typically 4-10x.
What we recover, by income source
4 income sources. Different treaty rules each.
The default TDS, the treaty rate, the recoverable amount, and the schedule it lands on in your ITR — all of these differ by income source. Here's the math for the four highest-recovery sources.
NRO FD interest
Default
30% TDS
Treaty
7.5% – 15%
Typical
₹40K – ₹2L / year recovered
The most common recovery. NRO bank deducts 30% by default; treaty drops it to 7.5% (Saudi), 10% (Germany / Switzerland / Netherlands / UAE 12.5%), or 15% (USA / UK / Singapore / Canada / Australia).
Dividends from Indian shares / MFs
Default
20% TDS
Treaty
10% – 15%
Typical
₹15K – ₹1L / year recovered
Article 10 treaty relief. Schedule TR + Schedule FSI in ITR. Recoverable for last 4 assessment years.
Capital gains — equity / MFs
Default
10-20% TDS
Treaty
0% – 15%
Typical
Varies — often full refund for treaty residents
Article 13 treaty application. Some treaties (e.g. UAE, Singapore, Mauritius pre-2017) reduce capital gains to zero. We assess your country's treaty position case by case.
Rent from Indian property
Default
30% TDS by tenant
Treaty
Treaty rate via TRC
Typical
₹50K – ₹3L / year recovered
Section 195 makes the tenant deduct 30% on full rent. Form 10F + TRC + ITR-2 lets you reclaim down to your country's treaty rate or even pay net of expenses under Section 24.
Upload your 26AS — we scan and quote the recovery in 24 hours.
Free, no signup, no commitment. Most NRIs see 40K–3L recoverable per year.
Senior CA who specialises in NRI tax · we deal with the tax officer, you don't
Our service procedure
8 steps. Each one a separate piece of work.
Most filers stop at step 4 (Form 10F + ITR). We do all 8 — that's the difference between filing the paperwork and actually getting the refund credited.
Upload 26AS or NRO statement
Free, no signup. We scan every TDS entry across all income heads and compute the gap vs your country's treaty rate within 24 hours.
Free 15-min CA scoping call
We explain exactly what's recoverable, what isn't, the realistic timeline, and quote a flat fee. No commitment.
TRC application in your country
We coordinate Form 6166 (USA), FTA cert (UAE), HMRC TRC (UK), IRAS CoR (Singapore), CRA cert (Canada), ZATCA (Saudi), and 25 other authorities. You don't navigate foreign tax portals.
Form 10F upload + MOA filing
Form 10F on the IT portal with the correct treaty article cited. Memorandum of Association where Article 12/13 income (royalty / business / capital gains) is involved.
ITR-2 / ITR-3 with full schedule set
Schedule TR (treaty relief), Schedule FSI (foreign-sourced income), Schedule FA (foreign assets ≥ ₹50L), Form 67 (FTC claim where you also paid tax abroad).
Past-year recovery (up to 4 years)
Belated returns under Section 139(4) + Section 119(2)(b) condonation where needed. We file all eligible past years in one engagement.
Bank-desk briefing (future TDS)
We brief your NRO bank's compliance desk (SBI / ICICI / HDFC / Axis / Kotak — we've done them all) so future TDS is deducted at the treaty rate, not 30%.
Refund follow-up + 244A interest
We track your refund weekly at CPC. Where refund is delayed past 3 months from the ITR due date, 244A interest (6% per annum) is auto-claimed. Refund credits directly to your NRO account.
Bundled at one flat fee
4 services in one engagement.
These four pieces are bundled at one flat fee — many firms charge each as a separate engagement.
Tax Residency Certificate (TRC)
Full TRC procurement in your country — no chasing the foreign tax authority yourself. 31-country expertise.
Form 10F (and Form 41 from FY 26-27)
Drafted, uploaded to the IT portal, acknowledgement archived. Form 41 ready for the 1 April 2026 transition.
ITR-2 / ITR-3 filing
Schedule TR + Schedule FSI + Schedule FA + Form 67 — every schedule filed correctly. ICAI CA, not a junior.
Bank-desk + AO coordination
Future TDS at treaty rate — bank desk briefed. Any AO notices in the process — Section 288 representation included.
You can recover the last 4 assessment years — not just this one.
Section 139(4) belated returns + Section 119(2)(b) condonation for the older years lets us file 4 past-year ITRs in one engagement. For AY 2022-23 through AY 2025-26, every past 30% TDS deduction is recoverable down to your treaty rate, plus 244A interest where the refund was delayed past 3 months of the original ITR due date.
Realistic 4-year recovery example: A USA-resident NRI with ₹40L in NRO FDs (₹3L annual interest) had 30% TDS = ₹90K/yr deducted. Treaty rate is 15% = ₹45K/yr. Recoverable per year: ₹45K. Across 4 years: ₹1.8L recovered + ~₹15K of 244A interest.
Read the full past-year recovery serviceCustomized per country
Your treaty rate depends on your country.
Top 10 NRI countries. We cover 31 total — see the full DTAA comparison.
| Country | Interest rate | Dividend rate | Capital gains |
|---|---|---|---|
| USA | 15% | 15% | Treaty applies; case-by-case |
| UAE | 12.5% | 10% | 0% on capital gains (Article 13) |
| UK | 15% | 10-15% | Treaty applies |
| Singapore | 15% | 10-15% | Treaty applies |
| Canada | 15% | 15-25% | Treaty applies |
| Australia | 15% | 15% | Treaty applies |
| Saudi Arabia | 10% | 5% | Treaty applies |
| Germany | 10% | 10% | Treaty applies |
| Netherlands | 10% | 10% | Treaty applies |
| Switzerland | 10% | 10% | Treaty applies |
Official portals & downloads
Want to start the paperwork yourself?
These are the real portals + the bottlenecks most NRIs hit. We do all of this for you under one flat fee — but if you're DIY-curious, this is where to start.
26AS — Tax Credit Statement (download)
All TDS deducted on your PAN across banks, brokers, and tenants. Source-of-truth for what's recoverable. Available on TRACES + IT portal.
Login to TRACESAIS — Annual Information Statement
Wider than 26AS: includes dividend payouts, MF redemption, equity transactions, foreign-fund holdings. The richer dataset for treaty-rate reconciliation.
Open AIS on IT portalForm 10F filing (IT Portal)
Login → e-File → Income Tax Forms → File Form 10F. Requires TRC reference. Form 41 (Section 159(8)) replaces this from FY 2026-27.
IT portal — file Form 10FForm 67 — Foreign Tax Credit
Filed BEFORE the ITR. Required to claim credit for tax already paid in your country (US, UK, etc.) on the same income. Section 90 mechanism.
IT portal — Form 67USA: Form 6166 (TRC) via IRS Form 8802
$85 / request. 45-90 days. Valid for the calendar year. You'll need TWO Form 6166s to cover one Indian FY (April-March spans two calendar years).
IRS Form 8802UAE / UK / Singapore / Canada TRC
UAE: FTA EmaraTax portal. UK: HMRC Certificate of Residence (free, 4-6 weeks). Singapore: IRAS COR. Canada: CRA NR301. Full list in our service.
Per-country TRC routes6 places DIY filings break (and the right fix)
- 1. TRC validity mismatch:US Form 6166 is calendar-year; Indian FY is April-March. You need TWO Form 6166s (one for the calendar year of Apr-Dec, one for Jan-Mar). Missing one → AO disallows treaty relief.
- 2. Wrong treaty article cited:NRO FD interest = Article 11. Dividend = Article 10. Royalty = Article 12. Capital gain = Article 13. Citing the wrong article on Form 10F → auto-rejection at portal level.
- 3. ITR-1 instead of ITR-2:NRIs cannot file ITR-1 (Sahaj). Must use ITR-2 (or ITR-3 if business income). Filing ITR-1 by mistake → revised return required + delays past the 244A interest clock.
- 4. Schedule TR missed:Filing ITR-2 without Schedule TR (Tax Relief) populated → default 30% TDS rate applied. Treaty rate is only honored if Schedule TR cites the article + amount.
- 5. Schedule FA non-disclosure:Foreign assets > ₹50 lakh anywhere (RSUs, 401k, foreign bank, ISA, property abroad) MUST be in Schedule FA. Non-disclosure = ₹10 lakh penalty per FY. Black Money Act exposure.
- 6. Bank desk not briefed:Form 10F + TRC on IT portal isn't enough — your NRO bank also needs a copy on their compliance desk. Otherwise, future TDS continues at 30%. Two systems, both must know.
We handle all 6 as standard. Form 10F + TRC details · Past-year recovery
ICAI
Registered CAs
Sec 288
Faceless representation
31
DTAA-treaty countries
₹12 Cr+
Recovered for NRIs
One CA. 8 steps. Up to ₹15L past TDS recovered.
Free 15-min scoping call. Flat fee scoped after. Refund covers fee 4-10x typical.
Senior CA who specialises in NRI tax · we deal with the tax officer, you don't
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