Question 1

When must an NRI file an income tax return in India?

Accepted Answer

An NRI must file ITR in India if: (1) India-sourced income (salary, rent, interest, capital gains) exceeds ₹2.5 lakh in the financial year; (2) You have capital gains from Indian property or shares, regardless of amount; (3) You hold foreign assets in India (FEMA disclosure); or (4) You want to claim refund of TDS deducted on Indian income. NRIs file ITR-2 or ITR-3 — ITR-1 (Sahaj) is not available to NRIs.

Question 2

What is DTAA and how does it benefit NRIs?

Accepted Answer

DTAA (Double Taxation Avoidance Agreement) is a treaty between India and 90+ countries preventing the same income from being taxed twice. NRI benefits include: lower TDS rates on Indian income (e.g., 15% on dividends instead of 20% for US-India DTAA), exemption or credit for tax paid abroad, and reduced tax on NRO interest. To claim DTAA benefit, you need a Tax Residency Certificate (TRC) from your country of residence plus Form 10F filed with the Indian income tax authority.

Question 3

How does Indus Tax help NRIs with NRI Tax Filing?

Accepted Answer

Our CA team handles NRI tax end-to-end: review of India-sourced income, DTAA benefit application, correct ITR form selection, Form 15CA/15CB for repatriation, and advance tax calculation. All services are 100% online — you don't need to visit India. We coordinate via WhatsApp and email across all time zones.

Question 4

What are the TDS rates on NRI income from Indian sources?

Accepted Answer

TDS on NRI income: Rent — 30%; STCG on equity (Section 111A) — 15%; LTCG on equity (Section 112A) — 10% above ₹1.25 lakh; NRO interest — 30%; Dividends — 20% (reducible under DTAA). Surcharge and 4% health & education cess apply on top. NRIs can claim refund of excess TDS by filing ITR, or obtain a lower deduction certificate under Section 197.

Question 5

Do you provide NRI Tax Filing services in USA?

Accepted Answer

Yes — Indus Tax operates 100% online and serves clients across USA and all of India. You share documents digitally via WhatsApp or email, our CA team handles the work, and you receive the filed return or compliance certificate without any in-person visit required.

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