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Property Sale TDS Calculator

Gulf NRI: when you sell Indian property, the buyer must withhold Section 195 default TDS on the FULL sale price. Form 13 under Section 197 cuts that to your actual tax. See the liquidity gap.

₹

= ₹70 Lakh

₹

= ₹2 Crore

Liquidity unlocked with Form 13

Cash you keep at sale instead of locking with the IT Department

₹29.5 Lakh

Default 22.88% Section 195 vs 8.13% Section 197 certified rate. Excess TDS without Form 13 sits with CBDT for 8-14 months.

Capital gain₹1,30,00,000
Actual LTCG tax (12.5% post-Budget 2024)-₹16,25,000
Default buyer TDS22.88% on full sale price-₹45,76,000
Form 13 certified TDS~8.13% (AO-issued)-₹16,25,000

A Gulf NRI specialist CA files Form 13 with the AO before your sale closes. AO turnaround: 30-45 days. Liquidity unlocked at completion.

Want the Form 13 wizard?

Step-by-step Form 13 application with document checklist, valuation worksheet, and AO submission template.

Go to Form 13 Wizard

Indexation removed for sales after 23 July 2024 under Budget 2024. The 12.5% flat applies to net gain. Section 54 / 54EC / 54F reinvestment exemptions can reduce the gain further.

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