NRI · Rental income
NRI Rental Income Tax & Refund Estimator
See your real liability - and a refund tenants' 30% TDS hides
If you own property in India and live abroad, your rental income is taxed in India. But most NRIs overpay because tenants deduct 30% TDS on full rent, not taxable amount. After claiming a 30% standard deduction and home loan interest, your actual tax is usually much lower. This calculator shows your real liability and estimates your refund.
Your profile
Warning: Your tenant is legally required to deduct 30% TDS under Sec 195 for NRIs. If they haven't, both of you may face a notice. And your tenant loses 30% of rent as a disallowed expense.
Per-property summary
| Property | Gross rent | Taxable income | Your tax share | Tenant TDS | Net |
|---|---|---|---|---|---|
| Property 1 | ₹0 | ₹0 | ₹0 | ₹0 | Refund ₹0 |
Combined position · NRI · New regime
All squared up
Total rental income
₹0
Total taxable (after deductions)
₹0
Total tax liability
₹0
TDS deducted by tenants
₹0
DTAA check · United Arab Emirates
Under India-United Arab Emirates DTAA, immovable-property income is taxable in India. Most residents of United Arab Emirates pay no personal income tax on this rental locally. So India is your only stop.
NRI rental income ITR from ₹2,999
Includes refund claim, TDS reconciliation across all properties, and Form 27Q follow-up with your tenant if needed.
Book now How this is computed
- ·Net Annual Value (NAV) = Annual rent received − Municipal taxes actually paid by owner during that year.
- ·Standard deduction = 30% of NAV (Sec 24(a)). No bills required.
- ·Home loan interest on a let-out property has NO upper limit under Sec 24(b), unlike a ₹2L cap on self-occupied property.
- ·Tenants paying rent to an NRI must deduct 30% TDS (plus surcharge + 4% cess) under Sec 195, not 5% under Sec 194-IB.
- ·NRI basic exemption: ₹4 lakh under new regime, ₹2.5 lakh under old regime. No 87A rebate for NRIs.
- ·Refunds are processed only into NRO accounts. ITR-2 is a correct form for NRIs with rental income.
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