CA for NRI tax return filing.

A standard NRI tax engagement with BQP includes:

• Residential status determination — day-count review, NRI vs RNOR vs ROR classification under Section 6, Section 6(1A) deemed-residency check for UAE/Bahrain/zero-tax jurisdictions.
• Annual ITR filing — ITR-2 (no business income) or ITR-3 (with business income) with Schedule FA (Foreign Assets) and Schedule FSI (Foreign Source Income) once ROR.
• DTAA relief claim — Form 10F electronic filing on the Indian tax portal, TRC (Tax Residency Certificate) from your country tax authority co-ordinated, treaty-reduced withholding rates claimed on India-source payments.
• Section 115A positioning — election between concessional NRI-specific rates (20% on dividend, 10% on royalty/FTS) and normal slab rates, whichever is lower.
• NRO interest TDS optimisation — move from default 30% domestic TDS to treaty-reduced rate (10-15%) via Form 10F submitted to the bank.
• Form 15CA + Form 15CB for repatriation of up to USD 1M per financial year from NRO account.
• Capital gains computation on Indian property sale, Indian mutual fund redemption, Indian equity sale.
• LDC (Lower Deduction Certificate) Form 13 for property sales to avoid 12.5% + surcharge TDS on full sale consideration.
• FBAR support if you are also a US-person (green card, dual tax resident).

• Paying 30% TDS on NRO interest when 10-15% treaty rate was available. Submitting Form 10F to the Indian bank is a one-time setup that saves 15-20% of all NRO interest income each year.
• Buying Indian property and selling it later with 12.5% + surcharge TDS on full consideration. For a INR 2 crore sale, this is INR 25-32 lakh TDS lock-up for 12-18 months pending refund. LDC filing (Form 13) 45 days before closing reduces TDS to 2-5% of consideration based on actual expected capital gains.
• Not claiming DTAA on Indian dividend income. Indian dividend withholding is 20% (Section 115A). Treaty rate is often 10-15%. Form 10F + TRC can save the delta.
• Missing the RNOR window on return to India. 2-3 year RNOR window post-return allows foreign asset disposal (US equity, UAE property, UK pension) without Indian tax. Returnees often discover this after the window ends.
• Not re-designating NRE accounts promptly on becoming Resident. FEMA breach, bank may freeze, penalty possible under FEMA Section 13.
• PFIC trap for US-NRIs holding Indian mutual funds. Punitive US tax treatment under IRC Section 1297 unless QEF or MTM election made annually.

We handle NRI tax for Non-Resident Indians living in:

• UAE — Dubai, Abu Dhabi, Sharjah. Post-UAE Corporate Tax, we handle UAE TRC co-ordination and India-UAE DTAA claims.
• United States — H-1B, L-1, green card, US citizen with Indian ties. India-US DTAA, FBAR, Schedule FA.
• United Kingdom — India-UK DTAA, HMRC co-ordination, UK ISA / pension treatment.
• Singapore — India-Singapore DTAA post-2017 protocol, Section 10(25A) planning.
• Canada — India-Canada DTAA, CRA co-ordination.
• Australia — India-Australia DTAA, Australian CGT on Indian assets.
• Saudi Arabia, Qatar, Kuwait, Bahrain, Oman — India-GCC country treaties where applicable.
• Germany, France, Netherlands, Switzerland — EU DTAA mechanics.