NRI Tax · FY 2025-26

NRI India tax in two minutes.

New regime · Default for FY 2025-26

Estimate your India tax liability on rent, interest, capital gains. NRIs are taxed only on India-sourced income, but TDS often exceeds the actual liability — meaning a refund is on the table.

India-sourced income (₹)

Annual rent received (NAV)

Gross rent − municipal taxes

Interest income (NRO deposits, bonds)

Other income (royalty, fees, etc.)

LTCG — listed equity / equity MF

First ₹1.25 L is exempt

STCG — listed equity / equity MF

Sec 111A · 20%

LTCG — immovable property

Post Jul-24 · 12.5% no indexation

Estimated tax payable

₹14,040

Effective rate: 2.46% on ₹5,70,000 total income

Slab-rate income tax₹13,500

STCG tax (111A · 20%)₹0

LTCG equity tax (112A · 12.5%)₹0

LTCG property tax (112 · 12.5%)₹0

Surcharge₹0

Health & Education cess (4%)₹540

How this is computed

·House property: 30% standard deduction on NAV is applied automatically.
·LTCG on listed equity (Sec 112A): 12.5% on gains above ₹1.25 lakh per FY (post 23 July 2024).
·STCG on listed equity (Sec 111A): 20% (post 23 July 2024).
·LTCG on immovable property (Sec 112): 12.5% without indexation for transfers on/after 23 July 2024. Pre-July rate was 20% with indexation.
·Surcharge: 10/15/25% slabs. Cap on capital-gains surcharge is 15%. Health & Education cess at 4%.
·NRIs are not eligible for the 87A rebate. DTAA relief is not modelled here — many NRIs qualify for lower rates under treaty (USA, UAE, UK).

Want a senior CA to sanity-check your numbers?

30 minutes. Free. Written recap within 24 hours.

Book a consultation

💬