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Free tool · auto-detects Form 10F or Form 41

Which form does your bank need, Form 10F or Form 41?

Last updated 16 October 2026 · By Vipul Sharma, Founder · Reviewed by Preetesh Maloo, CA

Form 10F applies to income up to 31 March 2026 (Section 90(5), Rule 21AB). Form 41 applies from 1 April 2026 (Section 159(8), Rule 75). The generator fills the form for the year you pick. It does not replace the Tax Residency Certificate. The rule change is explained in the Form 10F to Form 41 guide.

Your bank: “We need Form 41 now, not Form 10F.” No explanation, no template, and your next NRO interest credit is Friday. Same six fields, same DTAA claim, same TRC, only the section ( becomes ) and the rule ( becomes ) moved. Pick the financial year the income is for and we'll generate the right one.

What changed on 1 April 2026

  • If you're filing for FY 2025-26 or earlier: nothing changes. Form 10F is still the right form under and , and you can still file it after 1 April 2026 for those years. The trigger is the year the declaration covers, not the date you file.
  • If you're filing for FY 2026-27 onward: your bank will ask for Form 41, not Form 10F. The legal hook moves from Section 90(5) to of the Income-tax Act 2025.
  • If you have a Form 10F already on file with your bank: it has no clock of its own. It covers the period stated on the TRC it accompanies, and Section 536(2)(f) of the 2025 Act keeps a declaration already in force alive under the new Act. When that TRC period ends, refile, as Form 41 if the new period falls in tax year 2026-27 or later.
  • Same job, different shape: Form 10F asked six things, being status, PAN or Aadhaar, nationality, your tax ID abroad, the period the TRC covers and your overseas address. Form 41 keeps all of that and spreads it over two parts, adding your email, your phone, a communication address in India where you have one, and the TRC uploaded with the form rather than kept on file.

Source: Income-tax Act 2025, Section 159(8); Income-tax Rules 2026, Rule 75. Effective 1 April 2026.

Your details

Nationality, as on your passport

Nationality is your passport country, not your origin and not where you live. An OCI card holder on a foreign passport is not an Indian national here, while the many NRIs who still hold an Indian passport correctly put India. Form 41 also asks separately for your country of residence, and that one has to match your TRC.

No tax ID in your country? The form takes a unique number by which that government identifies you, so your national ID belongs here. What to enter, by country.

Financial Year

We'll generate Form 41 under Section 159(8) of the Income-tax Act 2025 + Rule 75 of the 2026 Rules.

You are signing a self-declaration. TrustNRI is not liable for inaccurate information you provide. Verify all fields before e-verifying with Aadhaar OTP on incometax.gov.in.

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Questions and answers

When does Form 10F get replaced by Form 41?

From 1 April 2026 (start of FY 2026-27). Form 10F continues to apply to any filing that covers FY 2025-26 or earlier. Form 41 is mandatory for FY 2026-27 and later filings under Section 159(8) + Rule 75 of the Income-tax Act 2025.

Does my existing Form 10F stay valid after 1 April 2026?

What decides it is when the income is received, not when your Form 10F expires. Form 10F covers income received up to 31 March 2026. For income received on or after 1 April 2026 the payer needs Form 41, even if your existing Form 10F still shows unexpired validity. Banks are asking for the new form from April 2026.

Is Form 41 a new form or just a rename of Form 10F?

Not a straight rename. The legal hook moves from Section 90(5) and Rule 21AB to Section 159(8) and Rule 75. Form 41 is split into parts, makes an Indian communication address and email mandatory, requires the TRC to be uploaded with it, and adds a beneficial-ownership declaration. Non-PAN holders file through an NR-ID login verified by OTP rather than a digital signature.

Can I use my Form 41 without a Tax Residency Certificate?

No. Form 41 (like Form 10F) only establishes your own declaration. You still need a Tax Residency Certificate from your country of residence to actually claim the DTAA treaty rate. The TRC is the load-bearing document; the form is the delivery mechanism.

Do I have to file Form 41 every year?

Yes. It is filed once per tax year, 1 April to 31 March, not for a rolling twelve months from the date you filed it. The TRC you attach has to cover the relevant Indian financial year. Most banks ask for a fresh Form 41 and TRC each April. Some accept the previous year's TRC for a short grace period; most don't.