NRI Tax Exposure Assessment
Answer a few questions and see your India residential status, what's taxable, and your action items — updating live on the right.
Count every day you set foot in India this financial year. The 182-day line, and the 60-day + 365-day rule, decide your status.
Used for the 365-day test (60+60 rule) and for RNOR. Add up the four prior financial years.
Any income arising in India is taxable for an NRI regardless of residential status.
NRIs cannot hold resident savings accounts — they must be NRE / NRO under FEMA.
Rental attracts 30% TDS and an ITR; a sale triggers capital gains and FEMA repatriation limits.
Even nil-income NRIs may need to file to claim TDS credits and avoid notices.
Directorship carries annual DIN KYC and foreign-directorship disclosure in your ITR.
A dormant HUF with income can accumulate penalties — it needs filing or dissolution.
Gifts from relatives are exempt; from non-relatives above ₹50,000 a year are taxable.
Your NRI tax action plan
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We confirm your residential status, file the right ITR and fix FEMA / account issues.
Disclaimer: Indicative assessment based on the Income-tax Act residency rules (Sec 6) and FEMA. Actual status can depend on Indian-source income, deemed-residency and DTAA tie-breakers. Confirm with a professional before filing.
Residential status — the day-count rules
Your India tax liability is decided first by how many days you spend in India, not by your passport. Under Section 6 of the Income-tax Act, you are a Resident for a financial year if you satisfy either basic condition below; otherwise you are a Non-Resident (NRI).
Resident, RNOR or NRI — what's taxable
The three statuses are taxed very differently. An NRI is taxed only on income that arises in India; a full Resident is taxed on worldwide income; RNOR sits in between with a valuable window on foreign income.
DTAA, TDS & key NRI concepts
DTAA relief
India's Double Taxation Avoidance Agreements with 90+ countries let you avoid paying tax twice on the same income — via exemption or a foreign tax credit. Claim it with Form 10F and a Tax Residency Certificate (TRC).
TDS for NRIs
Payers deduct tax at source at higher NRI rates — 30% on rent, up to 20% on capital gains, 30% on NRO interest. Filing an ITR is how you reclaim the excess as a refund.
NRE vs NRO accounts
NRE holds foreign earnings — fully repatriable with tax-free interest. NRO holds Indian income — interest is taxable and repatriation is capped at USD 1M a year with Form 15CA/CB.
Which ITR to file
Most NRIs file ITR-2 (income other than business). NRIs with Indian business or professional income use ITR-3. The due date is 31 July, extendable when accounts need audit.
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Disclaimer: This tool gives indicative results for general guidance only and is not professional advice. Please verify with a qualified CA before acting on the numbers.