How much does the treaty save you?

India has tax treaties with over 90 countries. If you are an NRI, you may legally owe far less India tax than you are currently paying. Enter your income type — dividend, interest, royalty, or capital gains — and your country of residence. The calculator shows your tax liability with and without the treaty benefit, side by side. Covers USA, UAE, UK, Canada, Singapore, Australia, and Germany. Most NRIs who use this tool find a significant difference.

• ·Domestic rate under Section 115A for non-residents is 20% on interest, royalty, FTS. Dividend on shares acquired post-1 Apr 2020 attracts 20% under domestic law.
• ·Treaty rates shown are most common — actual rate depends on the specific Article (e.g. USA Article 11 for interest, Article 12 for royalty). Some categories qualify for 10% on government securities.
• ·Surcharge applied here at 10% (simplified). Actual surcharge is slab-based — 0/10/15/25% for individuals.
• ·To claim treaty benefit: (1) Tax Residency Certificate (TRC) from home country, (2) Form 10F filed online on the Indian portal, (3) self-declaration of beneficial ownership and no PE in India.
• ·Treaty rate applies only if it's lower than domestic. Section 90(2) — taxpayer can choose more beneficial provision.

Want a senior CA to sanity-check your numbers?

30 minutes. Free. Written recap within 24 hours.