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United Arab Emirates

An Indian Chartered Accountant for Dubai, covering the India side and the UAE side

Your money and paperwork sit in two countries. Through TrustNRI, India-side work goes to practising CAs in India and UAE-side work goes to Indian CAs and CSs based in Dubai.

You live in Dubai, Abu Dhabi or Sharjah, and something needs a Chartered Accountant: a property sale in India, a TDS refund, an Indian return, a certificate your bank wants before it releases your money, and sometimes a UAE matter alongside it. Most people end up finding an Indian adviser and a UAE adviser separately. Here is how TrustNRI connects you with professionals for both sides, and who does which part.
Last reviewed: 18 October 20264 min readBy Vipul Sharma, Founder · Reviewed by Preetesh Maloo, CA

The short answer

TrustNRI is a technology platform, not a CA firm. It connects you with professionals on both sides. India-side work, meaning your Indian return, TDS refunds, the Form 128 lower-deduction certificate (formerly Form 13) before a property sale, repatriation and Indian tax notices, is done by ICAI-registered practising Chartered Accountants in India that TrustNRI works with. UAE-side work is handled through Dubai-based Indian chartered accountants and company secretaries that TrustNRI works with, who do Dubai work.

Tax matters in India and the UAE?

Tell us what is happening on each side, and we will connect you with the professional for the India side and the UAE side.

Senior CA who specialises in NRI tax · we deal with the tax officer, you don't

Two countries, two sets of professionals

Most Indians in the UAE have affairs that cross the border. A flat in India is sold and the money has to reach Dubai. A UAE tax residency certificate is needed to cut the tax on NRO interest. A move back to India touches both countries' rules. The Indian part needs an Indian Chartered Accountant; the UAE part needs someone who does Dubai work.

TrustNRI works with both. You can start from one place and be connected to the professional for each side.

Who does what

SideWho does itExamples
IndiaICAI-registered practising Chartered Accountants in India that TrustNRI works withIndian return, TDS refunds, Form 128 before a property sale, treaty claims with Form 41, repatriation with Form 145 and Form 146, Indian tax notices
UAEDubai-based Indian chartered accountants and company secretaries that TrustNRI works withUAE-side work

On the India side, certificates signed by a practising CA carry a UDIN that you or your bank can verify on ICAI's portal.

For detail on the most common India-side jobs, see selling Indian property as a UAE resident and NRE, NRO interest and dividends as a UAE resident.

Questions to ask any Indian CA you hire from the UAE

Whoever you choose, a few checks protect you. Ask for the CA's ICAI membership number, and check that certificates come with a UDIN you can verify. Ask who will do the UAE-side work and where they are based. Ask whether they know the India-UAE treaty's 183-day test for the UAE certificate, since a residence visa alone does not satisfy it. Ask how the buyer's withholding on an Indian property sale will be handled before the first payment, not after. And ask who will sign Form 146: it must be a Chartered Accountant.

What's involved

What the CA actually does

  1. 1

    India-side work

    ICAI-registered practising CAs in India that TrustNRI works with handle your Indian return, TDS refunds, Form 128, repatriation and Indian tax notices.

  2. 2

    UAE-side work

    UAE-side work is handled through Dubai-based Indian chartered accountants and company secretaries that TrustNRI works with.

  3. 3

    Certificates you can verify

    India-side certificates signed by a practising CA carry a UDIN that your bank or any authority can check on ICAI's portal.

What to have ready

Documents you'll typically need

  • Your PAN and passport
  • Your UAE residence visa and Emirates ID
  • Your UAE tax residency certificate, if you have one
  • The Indian papers behind the issue: sale agreement, bank statements, your annual tax statement (Form 168, formerly Form 26AS) or the tax notice

References on this page

  • Form 145 (formerly Form 15CA) with Form 146 (formerly Form 15CB) from a Chartered Accountant, or Part B where the Assessing Officer has issued a certificate or order, before a taxable remittance above Rs 5 lakh in a year
  • Form 128 under Section 395 (formerly Form 13): lower or nil TDS certificate, filed online before the payment or credit
  • India-UAE DTAA: Article 11 caps interest at 12.5% (5% for bank lenders) and Article 10 caps dividends at 10%, with a TRC and Form 41
  • ICAI UDIN: every certificate a practising CA signs carries a verifiable Unique Document Identification Number

Frequently asked questions

Common questions

ICAI-registered practising Chartered Accountants in India that TrustNRI works with: Indian returns, TDS refunds, Form 128, treaty claims, repatriation and Indian tax notices. TrustNRI is a technology platform, not a CA firm.

UAE-side work is handled through Dubai-based Indian chartered accountants and company secretaries that TrustNRI works with, who do Dubai work.

Form 146 (formerly 15CB) has to be certified by a Chartered Accountant under Indian rules, unless the Assessing Officer has issued a certificate or order for the payment, in which case Part B of Form 145 is used instead. The Indian return and Form 128 are Indian filings too.

Usually the Indian filings themselves are made online. Some matters, such as signing property documents or a notice where the officer asks for attendance, can need more, and the CA handling your India-side work will tell you what applies to you.

The exceptions that change the answer

Where the general rule stops applying to you

Every rule below has a carve-out, a cut-off date or a condition that flips the answer. These are the ones that decide real cases.

Form 15CB requirement threshold

Right now: Rs 5,00,000 in the financial year, where the remittance is chargeable to tax

Where it works differently

The remittance is not chargeable to tax
Part D of Form 15CA only. No 15CB.
Rule 37BB structure.
The remittance falls in the specified exempt list
No Form 15CA at all.
Rule 37BB(3) specified list.

Commonly got wrong

  • Every outward remittance needs Form 15CB. Only where chargeable to tax and above Rs 5 lakh in the year.Form 15CB is needed only where the remittance is chargeable to tax AND exceeds Rs 5 lakh in the financial year. Otherwise Part D of Form 15CA is enough.

Tax matters in India and the UAE?

Tell us what is happening on each side, and we will connect you with the professional for the India side and the UAE side.

No card, no obligation. All certification and filing work is handled by ICAI-registered practising Chartered Accountants.