TDS & Capital Gains Advisory Pune
Selling property in India as an NRI requires strict compliance with Section 195, FEMA regulations, and capital gains taxation. We help minimise your tax liability through Lower Deduction Certificates (LDC), accurate capital gains computation, and smooth overseas fund repatriation.
End-to-End NRI Tax Framework
We navigate complex Income Tax and FEMA regulations to help NRIs retain maximum liquidity from property transactions while ensuring complete legal compliance.
Lower TDS Certificate (LDC)
Filing under Section 197 to reduce the standard 20%+ TDS on NRI property sale transactions down to the actual capital gains tax liability.
Capital Gains Computation
Accurate Short-Term and Long-Term Capital Gains calculations with cost inflation indexation for optimized tax planning and compliance.
Fund Repatriation (15CA / 15CB)
Chartered Accountant certifications and FEMA documentation support for smooth transfer of sale proceeds to overseas bank accounts.
Section 54 Exemption Advisory
Strategic guidance on reinvestment planning through new property purchase or Capital Gains Account Scheme to maximize tax exemptions.
Critical NRI Tax Parameters
Selling property in India as an NRI involves significant tax deductions, regulatory timelines, and FEMA-controlled fund repatriation limits. Strategic planning is essential to preserve liquidity.
20.8% - 23.9%
Applied on the total transaction value if no Lower Deduction Certificate is secured before sale execution.
30 - 45 Days
Average processing timeline for Section 197 approval by the Income Tax Department.
$1 Million
Annual outward remittance limit from NRO accounts subject to FEMA and banking compliance.
How We Secure Your Tax Clearances
Our structured compliance process ensures reduced TDS approvals, smooth departmental coordination, and legally compliant repatriation of funds for NRIs.
Document Assessment & Indexation
We review your original purchase deed, calculate indexed acquisition cost, and estimate Long-Term Capital Gains liability accurately.
Form 13 Filing (Section 197)
Our tax experts prepare and file Form 13 requesting reduced TDS deduction based on actual capital gains instead of flat 20%+ deduction.
Department Liaison
We manage follow-ups, clarifications, and technical queries raised by the Income Tax Department to avoid unnecessary delays.
Buyer Coordination & Repatriation
After certificate approval, we guide the buyer on TDS deduction and issue Forms 15CA & 15CB for overseas fund transfer.
Requirements for LDC Application
Proper documentation is critical for successful Lower Deduction Certificate approval and seamless repatriation of NRI property sale proceeds.
Property & Financial Proofs
Tax & Identity Documents
NRI Capital Gains FAQs
Clear answers to the most important questions NRIs face regarding TDS, capital gains taxation, and fund repatriation after property sales in India.
Under Section 195, buyers must deduct approximately 20% plus surcharge and cess on NRI property transactions because the Income Tax Department treats non-resident tax recovery as higher risk. A Lower Deduction Certificate (LDC) is the legal mechanism to reduce this deduction to the actual capital gains liability.
No. NRI property transactions are governed by Section 195, not Section 194-IA. If the buyer deducts only 1% TDS, the buyer may face penalties, interest, and default proceedings from the Income Tax Department.
The buyer must deduct approximately 20–23% of the total sale consideration and deposit it with the government. You will then need to file an Income Tax Return in India to claim a refund, which can take several months.
Depending on jurisdiction and document readiness, LDC approval generally takes 2–6 weeks. Timely submission of supporting documents helps avoid delays from the assessing officer.
Mitigate Your Tax Exposure Before You Sign
Strategic tax planning should begin the moment you decide to sell. Partner with our Pune-based compliance experts to lock in your exemptions and secure your repatriation channels.
