Expert income tax advisory, compliance, and filing for Non-Resident Indians across the globe. From ITR filing and DTAA benefits to property sale TDS, FEMA compliance, and repatriation of funds — KDP handles every aspect of your Indian tax obligations.
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If you are a Non-Resident Indian (NRI) earning income or holding assets in India, you are required to comply with Indian income tax laws even if you live and work abroad. Under the Income Tax Act, 1961, any income that accrues or arises within India is taxable for NRIs, regardless of where they reside.
At KDP (Kamdar Desai & Patel LLP), we have been assisting NRIs with income tax compliance, advisory, and financial planning for over seven decades. Our chartered accountants specialise exclusively in cross-border taxation, FEMA compliance, and NRI-specific investment advisory, making us one of the most experienced NRI tax consultancy firms in India.
Whether your income in India comes from rent, interest on NRO accounts, capital gains on property or shares, dividends, or salary received in India, our expert NRI tax consultants ensure your filings are accurate, timely, and optimised to legally minimise your tax liability.
Filing NRI taxes in India involves not just the annual ITR, but also ensuring correct TDS compliance, availing DTAA treaty benefits, managing FEMA obligations, and ensuring smooth repatriation of funds. Missing any one of these can lead to penalties, notices, or blocked remittances. KDP handles the entire lifecycle under one roof.
Get StartedWe handle the complete income tax return filing cycle — status determination, income computation, deductions, and submission using the correct form (ITR-2 / ITR-3).
India has DTAAs with 90+ countries. We identify treaty benefits, help obtain Tax Residency Certificates, and file Form 10F to reduce your withholding tax rates.
Property sale triggers 20–30% TDS on the full sale value. We apply for Lower TDS Certificates, compute capital gains, and handle the repatriation of net sale proceeds.
A CA certificate (Form 15CB) is mandatory for all outward remittances above specified thresholds. Without it, banks will not process the transfer. KDP manages the entire documentation chain.
Every change in residential status triggers mandatory FEMA obligations — account conversions, RBI approvals, and reporting requirements that KDP manages proactively.
Your residential status must be re-determined every financial year based on days of stay. It governs your entire tax obligation in India. KDP's first step is always a precise status determination.
Present in India for less than 182 days in the previous financial year. Taxed only on India-sourced income. Most NRIs working abroad fall in this category. Foreign income — salary, overseas business, foreign bank interest — is not taxable in India.
Been NRI for 9 out of 10 preceding years, or present in India for ≤729 days over the last 7 years. Foreign income from a business controlled outside India is not taxable — a transitional category for returning NRIs.
Present in India ≥ 182 days in FY, or ≥ 60 days in FY and ≥ 365 days over the last 4 FYs. Global income is fully taxable in India. Incorrectly claiming NRI status when you are actually a Resident can invite notices under Section 148.
NRIs are taxed only on income earned or accruing in India. Foreign income is not taxable. Here are all major income categories and their applicable rates.
Any rent from property in India is fully taxable. A standard 30% deduction on NAV is allowed, along with actual home loan interest. TDS at 30% is deducted by the tenant.
LTCG (held > 2 years): 20% with indexation (or 12.5% without). STCG (held ≤2 years): taxed at slab rates. Buyer deducts TDS at 20% or 30% on full sale value unless a Lower TDS Certificate is obtained.
LTCG on listed equity exceeding ₹1.25 lakh is taxed at 12.5%. STCG on equity (held ≤12 months) is taxed at 20%. Debt mutual fund gains are taxed at slab rates. DTAA may reduce rates.
Interest on NRO savings/FD accounts is fully taxable at 30% (+surcharge+cess). Banks automatically deduct TDS at 30%. DTAA benefits can significantly reduce this rate for residents of treaty countries.
Dividends from Indian companies are taxable at 20% (+surcharge+cess). Under DTAA provisions, this rate may be reduced to 10–15% for residents of certain treaty countries.
Salary for services rendered in India is taxable at normal slab rates. Only the India portion of salary is taxable if the NRI works remotely for an Indian company while residing abroad.
NRIs cannot opt for the New Tax Regime for certain specific incomes like LTCG taxed under Section 112 or 112A. Your residential status must be re-determined every financial year — incorrectly claiming NRI status when you are a Resident can invite notices under Section 148. KDP determines your status precisely before any filing.
Our NRI tax service covers every obligation an NRI faces with respect to Indian income tax law. Each area is handled by our dedicated team of Chartered Accountants with cross-border expertise.
Every NRI earning income exceeding ₹2.5 lakh must file an annual Income Tax Return. We handle the full cycle from status determination and income computation to tax payment and ITR submission.
Property sale by an NRI triggers strict TDS obligations on the buyer, complex capital gains calculations, and repatriation procedures. Failing to plan can result in 20–30% TDS deducted on the full sale value.
India has signed DTAAs with over 90 countries. These treaties allow NRIs to claim reduced tax rates or exemptions on certain incomes, but availing these benefits requires proper documentation.
The Foreign Exchange Management Act (FEMA) regulates all financial transactions between NRIs and India. Non-compliance, even unintentional, can result in severe penalties. Every change in status triggers mandatory obligations.
NRIs can repatriate funds abroad from India subject to correct tax compliance and documentation. A Chartered Accountant certificate (Form 15CB) is mandatory for all outward remittances above specified thresholds.
Transferring funds from an NRO account to an NRE account, from where they can be freely repatriated, requires complete tax compliance. KDP handles the entire documentation chain to make this seamless.
KDP manages the entire NRI tax filing process remotely. You don't need to travel to India or visit any government office. Here's exactly how we work.
We determine your precise residential status (NRI, RNOR, or Resident) for the financial year, which governs your entire tax obligation.
We collect bank statements, Form 26AS, AIS, rental income proofs, property deeds, and share statements to prepare a complete income computation.
We analyse the applicable DTAA and help you submit the Tax Residency Certificate (TRC) and Form 10F to ensure concessional rates are applied.
We apply all eligible deductions (80C, 80D, Section 24b) and capital gains exemptions (54, 54F, 54EC) to legally minimise your tax liability.
If estimated tax liability exceeds ₹10,000, advance tax must be paid quarterly. We compute and guide payment through Challan 280 online portal.
We prepare the complete ITR (typically ITR-2) and file it online, sharing a full tax computation sheet with you for your records.
We complete ITR verification on your behalf and track processing status and any refunds due. Average refund processing time: 30–60 days.
Once tax compliance is established, we assist with repatriation abroad — Form 15CA & 15CB, bank coordination, and full documentation.
KDP (Kamdar Desai & Patel LLP) has been the preferred NRI tax consultancy for thousands of Non-Resident Indians since 1955. Here is what distinguishes us from generic tax filing platforms.
Our team has been handling NRI tax filings long before digitalisation. We understand the nuances of cross-border taxation — DTAA interpretation, FEMA interplay, residential status transitions, and capital gains optimisation — that newer platforms simply cannot match.
From the Gulf to the USA, UK, Singapore, and Australia — we serve NRIs across every major diaspora with country-specific DTAA expertise and time-zone-friendly communication. Our CA team is familiar with the tax systems of every major NRI destination country.
Tax filing, FEMA advisory, property sale compliance, repatriation, and DTAA claims are all handled by the same CA team with zero coordination overhead for you. No separate lawyers, no separate FEMA advisors — one firm, one point of contact, complete coverage.
We don't just file your return. We proactively check your Form 26AS / AIS for unreported income, reconcile TDS with your actual receipts, and flag issues before the IT department does. Every NRI client is also assigned a dedicated CA as their single point of contact.
Reach out to our experts today for a personalised consultation. We'll guide you from residential status determination to ITR filing, DTAA claims, and repatriation.
Clear answers to the most common queries from NRIs about Indian income tax compliance.
Yes. If your total India-sourced income exceeds ₹2.5 lakh (₹3 lakh for senior citizens aged 60–80), you must file an ITR even if you live abroad and even if TDS has already been deducted. Filing is also advisable below the threshold to claim TDS refunds and to maintain a compliance record for FEMA and repatriation purposes.
NRIs do not benefit from the same slab-rate structure as residents for most passive income. Interest on NRO accounts is taxed at a flat 30%, rental income at slab rates after deductions, and LTCG on property at 12.5–20%. DTAA benefits can significantly reduce these rates. NRIs cannot opt for the New Tax Regime for certain specific incomes like LTCG under Section 112 or 112A.
Yes, through DTAA (Double Taxation Avoidance Agreements). If India has a DTAA with your country of residence, you can claim credit for taxes paid in India against your tax liability there, or benefit from reduced withholding rates. To avail DTAA benefits in India, you must submit a Tax Residency Certificate (TRC) and Form 10F to the Indian payer. KDP handles this documentation comprehensively.
When an NRI sells property in India, the buyer must deduct TDS at 20% (LTCG — property held over 2 years) or 30% (STCG — held up to 2 years) on the full sale value. The NRI can apply for a Lower TDS Certificate (Section 197) so that TDS is deducted only on the actual capital gains. The NRI must file a capital gains return and can claim Section 54/54F/54EC exemptions if proceeds are reinvested.
No. NRIs are taxed in India only on income that accrues, arises, or is received in India. Foreign salary, overseas business income, or foreign bank interest is not taxable in India as long as you maintain NRI status. However, if you return to India and your status changes to RNOR or Resident, the scope of taxation widens significantly — making timely status determination critical.
Most NRIs file ITR-2, applicable for individuals with income from salary, house property, capital gains, and other sources (interest, dividends), but without income from business or profession. If an NRI has business or professional income in India, ITR-3 applies. ITR-1 (Sahaj) is not available for NRIs. Filing the wrong form can render the return defective.
Missing the due date (31 July) attracts: interest under Section 234A at 1% per month on unpaid tax; interest under Sections 234B/234C for non-payment of advance tax; and a late fee of ₹5,000 under Section 234F (₹1,000 if income below ₹5 lakh). You also lose the ability to carry forward most losses, and repeated non-filing can invite prosecution under Section 276CC and block repatriation requests.
Typically: PAN card; Aadhaar (or Form 60); NRO/NRE bank statements for the full financial year; Form 26AS and AIS from the income tax portal; Form 16 if any Indian salary received; rent agreements and rental income details; property sale deed and cost of acquisition documents; share/mutual fund transaction statements; and Tax Residency Certificate if DTAA benefits are to be claimed. KDP provides a personalised checklist after the initial consultation.
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