Indian tax and money rules, worked out for NRIs
Calculators and guides for Indians living abroad: whether you count as an NRI this year, what selling a flat in India will cost you in TDS, which bank account to use, and how much you can send back out.
Every tool reads from one set of rules, checked against the Income-tax Act, 2025, RBI directions and the treaty texts. Each page shows the date it was last checked.
Tools
- Residential status checkerAm I an NRI, RNOR or resident for Indian tax this year?
- Property sale tax and TDS calculatorHow much TDS will the buyer cut, and how much tax do I really owe?
- NRE, NRO or FCNR account selectorWhich Indian bank account should this money go into?
- NRO repatriation limit calculatorHow much can I move abroad from my NRO account this year?
- DTAA rate finderWhat treaty rate applies to my interest and dividends from India?
Latest guides
- Capital gains exemptions for NRIs in 2026: new house, bonds and the old Sections 54, 54EC and 54FCapital gains exemptions for NRIs under the Income-tax Act, 2025: reinvest in a house (old Sections 54, 54F) or bonds (old 54EC), with limits and timelines.
- Do NRIs need to file an income tax return in India? Thresholds, refunds, forms and due datesDo NRIs need to file ITR in India? When filing is mandatory, claiming TDS refunds after a property sale, which ITR form to use and due dates for AY 2026-27.
- Using a DTAA to cut Indian tax as an NRI: TRC, Form 41 (old Form 10F) and treaty ratesHow NRIs use DTAA benefits to cut TDS on NRO interest and dividends: TRC, Form 41 (formerly Form 10F), treaty rates for six countries and foreign tax credit.
- Form 15CA and 15CB are now Forms 145 and 146: what changed on 1 April 2026Form 15CA and 15CB are now Form 145 and Form 146 under the Income-tax Rules, 2026. Parts A to D, when a CA certificate is needed, penalties and a checklist.
- Income-tax Act, 2025 for NRIs: what changed, what didn't, and the new section and form numbersWhat the Income-tax Act, 2025 changes for NRIs from 1 April 2026: the tax year, old-to-new section and form numbers, transition rules and what stays the same.
- Lower TDS certificate for NRI property sellers: how to apply on Form 128 (old Form 13)How an NRI selling property gets a lower TDS certificate on Form 128 (old Form 13) under Section 395: who applies, documents, timelines and how the buyer uses it.
- NRE vs NRO vs FCNR(B) accounts in 2026: tax, repatriation and which money goes whereNRE vs NRO vs FCNR account compared for 2026: tax on interest, repatriation limits, joint holding, currency risk and what happens when you return to India.
- Selling property in India as an NRI in 2026: TDS, capital gains tax and getting the money outNRI selling property in India in 2026: 12.5% LTCG, TDS on the full sale value, effective rates, the 1 October 2026 PAN route for buyers, refunds and repatriation.
How we keep this accurate
Rates, limits and form numbers live in a single rulebook that every tool reads, so a change is made once and shows everywhere. Each entry links to the notification, circular or treaty it comes from. Guides are written from those primary sources and reviewed by the editor, Ashwani Kumar Srivastava, a former business journalist. Read our editorial policy or see the rules we use.