NRI Tax. DTAA Relief.
Estimate the Indian withholding tax on your dividends, interest or royalties — and how much the DTAA treaty with your country of residence saves you.
How much Indian tax — and how much relief?
Pick the income type and your country of residence. We'll apply the DTAA treaty rate and show the relief vs the domestic rate.
How NRI income is taxed in India
Indian-source income paid to a non-resident is withheld at a domestic rate (Sec 195 / 115A). If a DTAA between India and your country of residence offers a lower rate, that lower rate applies — provided you furnish a Tax Residency Certificate and Form 10F. The gap between the two is your treaty relief.
Indian SaaS context: Post Finance Act 2023, several domestic rates rose (e.g. royalties/FTS to 20%), making DTAA treaty rates more valuable. Rates here are indicative treaty caps; the exact figure depends on the specific article and any Most-Favoured-Nation clause.
Frequently asked questions
What is DTAA relief?+
A Double Taxation Avoidance Agreement is a treaty between India and another country that caps the tax on cross-border income and prevents you being taxed twice. When the treaty rate is lower than India's domestic withholding rate, you pay the lower rate — that difference is your DTAA relief.
How do I claim the treaty rate?+
You generally need a Tax Residency Certificate (TRC) from your country of residence and Form 10F. Without them, the payer must withhold at the higher domestic rate. The relief shown here assumes you're eligible and have the paperwork.
Is this my final tax?+
No — this is an indicative withholding estimate on a single income stream. Your actual liability depends on total income, surcharge, cess, and the specific treaty article. Always confirm with a tax advisor.
This is indicative only. Consult a tax advisor for DTAA specifics and your exact situation.