Service · Form 10F / Form 41 filing
We file Form 10F — and the
7 other things that have to happen for the treaty rate to actually work.
Form 10F is just one piece. To actually pay the treaty rate (and recover past TDS), you need TRC in your country, Form 10F on the IT portal, ITR-2 / ITR-3 with Schedule TR + FSI, Form 67 for FTC, Schedule FA disclosure, bank-desk briefing, and refund follow-up. We do all 8. ICAI-registered. Flat fee. No flight to India.
31-country DTAA coverage. Section 288 representation. ₹12 Cr+ recovered for NRIs since 2018.
What changes from 1 April 2026
Form 10F retires. Form 41 (Section 159(8))replaces it for treaty-rate self-declarations. The substance is similar (TRC + treaty article + period), but the format and portal flow are new. We file whichever is current at the time of your case — FY 2025-26 returns still use Form 10F; FY 2026-27 onward uses Form 41.
Our service procedure
Step-by-step. Not just “form 10F filing”.
From the first call to refund credit in your NRO account, here's exactly what we do for you. Each step is a separate piece of work most CAs charge extra for — we bundle them.
Free 15-min CA scoping call
We map your income sources (FD, dividend, capital gains, salary repatriation), identify the right TRC jurisdiction(s), and tell you the recoverable refund range upfront — flat fee scoped after.
TRC application — your country's tax authority
Country-specific. USA: IRS Form 8802 → Form 6166. UAE: FTA TRC portal. UK: HMRC TRC application. Singapore: IRAS Certificate of Residence. Saudi: ZATCA. We file with the right authority in the right format.
Form 10F drafting (or Form 41 for FY 2026-27+)
Drafted in the e-filing portal format — PAN, country of residence, treaty article (Article 11 / 12 / 13 as applicable), period covered, TRC reference. From 1 April 2026, Form 41 (Section 159(8)) replaces Form 10F — we file whichever is current.
MOA filing (Memorandum of Association) where required
For business / dividend income with treaty relief, the Memorandum of Association + supporting commercial documents are filed alongside Form 10F. We handle the entire stack so your bank or AO has zero excuses to reject.
IT portal upload + acknowledgement capture
Uploaded to incometax.gov.in under your e-filing account with the digital signature. Acknowledgement (ITR-V style) is captured, archived, and shared with you. Bank gets a certified copy directly from us.
ITR-2 / ITR-3 filing with treaty rate applied
Your ITR is filed with the treaty rate (7.5–15% instead of 30%) applied via Schedule TR + Schedule FSI. We coordinate with Section 90 / 90A relief. Schedule FA disclosed correctly. Form 67 for FTC if needed.
Bank desk follow-up + refund recovery
We brief your NRO bank's compliance desk (SBI, ICICI, HDFC, Axis, Kotak — we've dealt with all of them) so future TDS deductions use the treaty rate. Past-TDS refund is tracked through CPC processing + 244A interest claimed.
Start with the free 15-min scoping call.
We quote a flat fee after the call — never before. Most NRIs recover ₹40K–₹3L per year of past TDS once we file.
Senior CA who specialises in NRI tax · we deal with the tax officer, you don't
Bundled with every Form 10F engagement
4 services other CAs charge separately for.
Most NRI tax filers price these as add-ons. We don't — if your engagement starts with Form 10F, all 4 are included.
Tax Residency Certificate (TRC)
End-to-end TRC procurement in your country. Form 6166 (USA), FTA certificate (UAE), HMRC TRC (UK), IRAS COR (Singapore), and 27 more. We coordinate directly with your foreign tax authority — you don't chase.
ITR-2 / ITR-3 filing
The full Indian tax return — Schedule TR (treaty relief), Schedule FA (foreign assets ≥ ₹50L), Schedule FSI (foreign-sourced income), Form 67 (FTC claim). Filed by an ICAI CA, not a junior associate.
26AS / AIS reconciliation
We pull your 26AS + AIS, match every TDS entry against the treaty rate, identify ₹ recoverable per source, and apply 244A interest where the refund was delayed past 3 months.
Bank-desk + AO coordination
Future TDS at treaty rate — we brief the NRO bank's compliance desk. Notices on past returns — we represent under Section 288. You never speak to the tax officer directly.
Customized per country
Every country's TRC route is different. We know all of them.
Your treaty rate depends on the article in YOUR country's DTAA with India. Your TRC paperwork depends on YOUR country's tax authority. Here's the route for the 10 highest-volume NRI countries — we handle 31 total.
| Country | Treaty Article | Interest TDS rate | TRC route in your country |
|---|---|---|---|
| USA | Article 11 / 12 | 15% | IRS Form 8802 → Form 6166 |
| UAE | Article 11 | 12.5% | FTA TRC portal (MoF) |
| UK | Article 11 | 15% | HMRC TRC application |
| Singapore | Article 11 | 15% | IRAS Certificate of Residence |
| Canada | Article 11 | 15% | CRA NR301 + residency cert |
| Australia | Article 11 | 15% | ATO TRC application |
| Saudi Arabia | Article 11 | 10% | ZATCA TRC application |
| Germany | Article 11 | 10% | Bundeszentralamt TRC |
| Netherlands | Article 11 | 10% | Belastingdienst TRC |
| Switzerland | Article 11 | 10% | ESTV TRC application |
Don't see your country? We cover 31 total — browse the full DTAA comparison →
Customized per income type
Different income, different treaty article, different recovery math.
The Form 10F itself stays the same. But the treaty article you cite, the ITR schedule it lands in, and the recoverable amount — these change by income type.
NRO FD interest
Article 11Default 30% TDS at the bank. Treaty cuts to 7.5–15% depending on country. We file 10F + TRC + ITR-2 and chase the past-TDS refund.
Dividend from Indian shares / MFs
Article 10Default 20% TDS. Treaty cuts to 10–15%. Schedule TR + Schedule FSI in ITR. Past-TDS recoverable up to 4 years back.
Capital gains — shares / property
Article 13Treaty + India Section 112 / 112A interplay. Property sale: Form 13 (separate service) AND DTAA application. Both bundled when relevant.
Royalty / professional fees
Article 12 / 14Article 12 / 14 treaty relief. Often the highest gap (default 20–30% vs treaty 10–15%). MOA filing usually required — we draft + file.
Process & pricing
Flat fee, scoped after the call. No NRI markup. No surprises.
We don't price by income bracket or country (some CAs do). We quote a flat fee after the free 15-min scoping call based on your income sources and the past TDS scope. Refund typically covers our fee 4–10x.
Typical timeline — current FY filing
- Week 0
Free 15-min CA scoping call. Flat-fee quote.
- Week 1
TRC application filed in your country. Engagement letter signed.
- Week 2-3
TRC received. Form 10F drafted + uploaded to IT portal. 26AS / AIS pulled and analysed.
- Week 4
ITR-2 / ITR-3 filed with Schedule TR + Schedule FSI + Form 67 (FTC). Bank desk briefed on treaty rate for future TDS.
- Week 4-12
Refund processed at CPC. Followed up with 244A interest if delayed beyond 3 months.
Forms & official portals
The actual forms. The actual portals.
Want to file yourself? Here are the official links + the field-by-field help most NRIs trip on. (We do the entire stack for a flat fee — but if you're DIY-curious, no gatekeeping.)
Form 10F (Indian IT Portal)
Login to your e-filing account → e-File → Income Tax Forms → File Form 10F (under "Persons not dependent on any source of income"). Requires Indian PAN.
Open IT portal e-filingForm 6166 (USA TRC) — IRS Form 8802
Apply via Form 8802 with the IRS. Processing: 45-90 days. Cost: $85 per request. Valid for the calendar year requested.
IRS Form 8802 pageUAE TRC — Federal Tax Authority
FTA's EmaraTax portal issues TRCs for individual UAE residents. Document checklist: Emirates ID + residency visa + entry/exit stamps + bank statements.
FTA EmaraTax portalUK TRC — HMRC
Apply via the HMRC online "Certificate of Residence" form for individuals. Processing: 4-6 weeks. Free. Requires UTR.
HMRC TRC applicationSingapore — IRAS Certificate of Residence
Apply via myTax Portal. Issued to tax residents only (must have stayed in Singapore 183+ days). Free, processed in 14-21 days.
IRAS COR pageForm 67 (FTC Claim)
Filed via the IT portal BEFORE your ITR. Used to claim Foreign Tax Credit on income also taxed abroad. Required if you're applying for treaty relief AND have foreign tax paid.
Open IT portalThe 5 fields most NRIs fill in wrong (and the right way)
- 1. Status (residential):“Non-Resident” — not “NRI” (the IT portal doesn't accept “NRI” as a value). Choose based on the FY you're filing for, not your current state.
- 2. Country of residence: Your TAX residency country (where your TRC is from), not your current passport country. A US passport holder living in Dubai with UAE TRC → enter UAE, not USA.
- 3. Tax Identification Number:Your TIN in the country of residence. For USA: ITIN or SSN. For UAE: there's no individual TIN — use “NA”. For UK: UTR. For Singapore: NRIC / FIN. We track all 31 variants.
- 4. Period for which TRC is applicable: Must match the Indian FY (1 April – 31 March), not the calendar year. If your country issues a calendar-year TRC (e.g. USA Form 6166 is for one calendar year), you need separate TRCs for two Indian FYs.
- 5. Address in country of residence: Must be the SAME address shown on your TRC. Slight mismatches (apt no. vs flat no., zip code with/without space) cause the IT portal to reject the upload silently.
Want us to handle these so the form lands clean the first time? Bundled with the full DTAA recovery service.
ICAI
Registered CAs
Sec 288
Faceless representation
31
DTAA-treaty countries
₹12 Cr+
Recovered for NRIs
One CA. Form 10F + TRC + ITR + bank desk. Refund credited remotely.
Flat fee scoped after the free 15-min call. Most NRIs recover ₹40K–₹3L per year of past TDS.
Senior CA who specialises in NRI tax · we deal with the tax officer, you don't
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