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.
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).
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