Your personal AI for understanding and tracking your personal finance.
Personal finance resources for Non-Resident Indians — tax guides, investing rules, country-specific resources for USA, UK, Canada, Australia. FY 2026-27 ready.
NRI Tax Guide India FY 2026-27 →
Section 6 residency tests, TDS rates by income type, DTAA benefits, ITR-2 filing requirements.
NRE vs NRO Accounts →
Detailed account-type comparison: tax treatment, repatriation, joint ownership, principal handling.
NRI TDS Calculator →
Interactive TDS auto-compute for 6 income types × 7 countries with DTAA toggle.
NRI Tax (Hindi) →
NRI ko kitna tax lagta hai — complete Hinglish guide. Residency, TDS, DTAA, NRO/NRE Hindi me.
🇺🇸USA NRI Guide →
FBAR, Form 8938, India-USA DTAA, Foreign Tax Credit (Form 1116), tax residency.
🇬🇧UK NRI Guide →
Non-Domicile (Non-Dom), ISA holdings, India-UK DTAA, HMRC self-assessment.
🇨🇦Canada NRI Guide →
T1135 foreign income reporting, TFSA, India-Canada DTAA, CRA compliance.
🇦🇺Australia NRI Guide →
Superannuation handling, ATO compliance, FBT, India-Australia DTAA.
🇦🇪UAE NRI Guide →
Largest NRI diaspora (3.5M+). India-UAE DTAA, tax-free salary in UAE, NRO interest 12.5%, AED remittance routes.
🇸🇬Singapore NRI Guide →
India-Singapore DTAA (2017 amendment), territorial tax, CPF handling, 650K+ Indian community.
🇩🇪Germany NRI Guide →
200K+ Indian diaspora (rapidly growing). India-Germany DTAA, Riester/Rürup Rente, Bundessteuer, state pension refund route.
🇳🇱Netherlands NRI Guide →
65K+ Indian diaspora. India-Netherlands DTAA, 30% expat ruling (5-yr tax-free), Box system, AOW refund route.
🇫🇷France NRI Guide →
110K+ Indian diaspora. India-France DTAA, PFU flat 30% on investments, progressive income tax 0-45% + CSG/CRDS 17.2%.
🇮🇹Italy NRI Guide →
175K+ Indian diaspora (3rd largest in Europe). India-Italy DTAA, IRPEF 23-43%, IVAFE/IVIE wealth taxes, INPS pension.
🇪🇸Spain NRI Guide →
50K+ Indian diaspora. India-Spain DTAA, IRPF 19-47%, Beckham Law 24% flat for skilled workers, Modelo 720 disclosure, Seguridad Social.
🇧🇪Belgium NRI Guide →
30K+ Indian diaspora (Brussels, Antwerp diamond trade, Leuven). India-Belgium DTAA, IPP 25-50%, zero capital gains tax for non-pro traders, expat tax regime.
🇸🇪Sweden NRI Guide →
35K+ Indian diaspora (Stockholm tech, Gothenburg Volvo, Lund research). India-Sweden DTAA with 10% TDS (lowest in EU), ISK tax-advantaged account, Allmän + ITP pension.
🇨🇭Switzerland NRI Guide →
25K+ Indian diaspora (Zurich finance, Geneva UN, Basel pharma). India-Switzerland DTAA 10% TDS, zero capital gains for private investors, cantonal tax variation (Zug 22% vs Geneva 45%), AHV pension.
🇮🇪Ireland NRI Guide →
50K+ Indian diaspora (Dublin tech, Cork pharma, Galway medtech). India-Ireland DTAA 10% TDS, PAYE + USC + PRSI 25-52%, mandatory pension auto-enrollment 2025-2026, tax-free €200K lump sum.
🇯🇵Japan NRI Guide →
50K+ Indian diaspora (Tokyo IT, Yokohama, Osaka, Nagoya automotive). India-Japan DTAA 10% TDS, kosei nenkin pension + Dattai Ichijikin departure refund, NISA tax-free account, JPY/INR currency.
🇭🇰Hong Kong NRI Guide →
40K+ Indian diaspora (Central finance, Tsim Sha Tsui, Causeway Bay). India-HK DTAA 10% interest / 5% dividend TDS (LOWEST!), salaries tax 2-17%, ZERO capital gains, MPF pension.
🇸🇦Saudi Arabia NRI Guide →
2.6M+ Indian diaspora (2ND LARGEST globally — Riyadh, Jeddah, Dammam, NEOM). India-Saudi DTAA 10% interest / 5% dividend TDS, ZERO personal income tax, end-of-service gratuity.
🇶🇦Qatar NRI Guide →
800K+ Indian diaspora (LARGEST expat group in Qatar — Doha, Al Wakra, Al Khor). India-Qatar DTAA 10% TDS, ZERO personal income tax, 3-week/year end-of-service gratuity, QFC.
🇰🇼Kuwait NRI Guide →
1M+ Indian diaspora (Kuwait City, Hawalli, Salmiya) — substantial Kerala diaspora. India-Kuwait DTAA 10% TDS, ZERO personal income tax, gratuity 15/30 days per year, Kerala property focus.
🇧🇭Bahrain NRI Guide →
300K+ Indian diaspora (Manama, Muharraq, Riffa) — GCC's financial hub. India-Bahrain DTAA 10% TDS, ZERO personal income tax, gratuity 15/30 days, banking + finance opportunities.
🇴🇲Oman NRI Guide →
700K+ Indian diaspora (Muscat, Salalah, Sohar) — substantial Kerala community. India-Oman DTAA 10% interest / 12.5% dividend TDS, ZERO personal income tax, gratuity 15/30 days, Vision 2040 tech opportunities.
🇳🇿New Zealand NRI Guide →
45K+ Indian diaspora (Auckland, Wellington, Christchurch) — Punjabi + Gujarati communities. India-NZ DTAA 10% interest / 15% dividend TDS, PAYE 10.5-39%, KiwiSaver retirement, FIF rules for > NZ$50K investments.
🇲🇺Mauritius NRI Guide →
900K+ Indo-Mauritians (~70% of population — Tamil, Telugu, Bihari, Marathi heritage). India-Mauritius DTAA 7.5% interest TDS (LOWEST IN ANY INDIA DTAA), GBC offshore business, post-2017 LOB clause.
Am I an NRI?
Section 6 sets 3 residency tests — 182+ days in current FY, OR 60+365 day cumulative rule. Indian citizens leaving for employment abroad get the 182-day-only test.
Can I keep my Indian portfolio after becoming NRI?
Yes — update KYC to NRI status at every broker / AMC / bank. NRE / NRO accounts replace regular SB account. Existing equity + MF holdings continue uninterrupted.
Do I have to file ITR in India as NRI?
Mandatory if Indian income exceeds basic exemption, foreign assets held, TDS deducted needs refund, or capital gains transactions. File ITR-2 (or ITR-3 with business income).
Richify supports India + your country of residence (US, UK, Canada, Australia) in one app. Felix flags DTAA filing requirements, surfaces TDS refund opportunities, and helps decide RNOR utilisation during return.
Download Richify — FreeYour personal AI for understanding and tracking your personal finance.
