Question 1

How do I know India's DTAA rate with my country?

Accepted Answer

Pick your country on this tool. You'll see the 5 NRI tax rates — interest, dividend, capital gains on equity, capital gains on property, rental income. Each rate shows the default Indian withholding rate (typically 30% / 20% / 12.5%) versus your treaty rate, plus the savings between them.

Question 2

Does India have a DTAA with my country?

Accepted Answer

India has signed DTAAs with 90+ countries. Major NRI hubs covered: USA, UK, UAE, Singapore, Canada, Australia, Germany, Netherlands, Saudi Arabia, Qatar, Oman, Mauritius. A few don't have DTAAs — Bahrain (TIEA only), Hong Kong (selective), Kuwait. This tool clearly shows 'no DTAA' for these countries.

Question 3

Can I get the DTAA rate applied at the bank instead of claiming refund later?

Accepted Answer

For NRO interest specifically — no. Section 195 requires the bank to withhold at the domestic default (30%). The DTAA relief comes through filing Form 10F + TRC + ITR-2 at the end of the year, when the refund credits to your NRO with 6% Section 244A interest. For mutual fund distributions (IDCW option), Section 196A allows AMC to apply DTAA rate at source if Form 10F + TRC is filed in advance.