Vipul Sharma
Founder
Vipul founded TrustNRI to help Non-Resident Indians recover the excess TDS that India deducts on their investments — a structural gap most NRIs don't know exists. He works directly with ICAI-registered Chartered Accountants to deliver DTAA-based recovery across 31 countries.
Credentials
- TrustNRI Founder
Expertise
Articles by Vipul Sharma
How to Choose an NRI Tax Service in 2026: 7 Criteria
Most NRI tax services file the ITR at the rate the bank gave them and call it done. The seven criteria below separate a service that actually recovers your TDS gap from one that just submits the return. Use the checklist before signing up with anyone.
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Returning to India from UAE: NRI Tax Checklist 2026
The UAE side is lighter than the US or UK — no personal income tax — but the Corporate Tax 2023 regime and the DMTT 2025 catch freezone licence holders. India-side, gold customs, EOSB gratuity, and RFC conversion drive the planning. Sequence matters.
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Returning to India from UK: NRI Tax Checklist 2026
April 2025 ended the non-dom regime. The Statutory Residence Test split-year rules govern the UK exit. ISAs lose their shield in India. Pension drawdown rules sit under Article 20. The full sequence runs both sides — sequence matters.
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Returning to India from USA: NRI Tax Checklist 2026
The return triggers a stack of moving parts on both sides — RNOR positioning under Section 6(6), US exit filings if you held a green card 8+ years, PFIC unwinding before you become a resident, NRE-to-resident conversion under FEMA, Schedule FA, and Form 67 FTC. Sequence matters.
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TDS Deducted But Not in 26AS: NRI Recovery Guide
The bank, AMC, or property buyer deducted TDS. It never appeared in your 26AS. The fix runs through Form 27Q quarterly cycles, Form 16A as parallel proof, and Section 154 rectification at the AO. Here is the sequence.
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Bank Rejecting Foreign TRC: NRI Escalation Path
Your branch refused the TRC. Their reasons range from invalid (we need apostille) to insufficient (we need an Indian-format certificate). Section 90(2) plus Rule 21AB plus the RBI Master Direction give you a documented escalation route. Here is the sequence.
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TDS Still Deducted After Form 10F: NRI Troubleshooting
You filed Form 10F. You submitted the TRC. The next NRO interest credit still withheld at 30%. The break is almost always at branch level, not policy level. Here are the seven diagnostic checks and the two statutory bypasses.
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Returning to India from France: PEA Unwind, Social Security Coordination, and the Calendar-Year Mismatch
Returning to India from France is more than booking a flight and updating an address. The PEA, PEL, French social security record, AGIRC-ARRCO retirement contributions, and the Sécurité Sociale departure formalities all need active management. The 3-month gap between the French calendar year and the Indian financial year is where unprepared returners lose lakhs.
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French Rental Income for Indian-French NRIs: Micro-Foncier, Social Charges, and the India-France DTAA Carve-Out
Indian-French NRIs holding French rental property face a two-layer tax on the income — French income tax plus CSG/CRDS social charges — and an India-side reporting obligation that most CAs handle wrong. The mechanic isn't complicated once you understand which regime applies and how the India-France DTAA allocates the tax. Here's the walkthrough with worked numbers.
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Returning to India from Japan: The Nenkin Lump Sum Refund and What It Costs You in Indian Tax
If you contributed to Japan's national pension (nenkin) and have now returned to India, you may be eligible for a lump-sum refund — typically 30+ months of contributions, capped at 5 years. Japan withholds 20.42% at source. The remaining amount, if received while you're an Indian resident, becomes taxable in India. Time the application right and the Indian-side tax can drop to zero. Time it wrong and you pay twice.
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Tokyo Tech Indians: RSU Vesting Under Japan's 5-Year Non-Permanent Resident Rule
Indian engineers in Tokyo who don't understand the interaction between Japan's 5-year non-permanent resident rule and their cross-border RSU vesting end up paying tax twice — once to Japan, once to India — on the same equity. The two systems can be coordinated cleanly. The window is the first 5 years.
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Returning to India from the Netherlands: Box 3 Final Year, AOW Portability, and the Calendar-Year Tax Trap
When you move back to India from the Netherlands, you're closing out one tax system (calendar-year, Box 1/2/3 structure) and opening another (April-March, residence-based on global income). The two don't line up. The friction creates a 3-month gap where one country still treats you as resident while the other already does — and that gap costs unprepared returners 6 figures in avoidable tax. Here's the exit checklist.
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