Banks deduct 30% TDS on your NRO interest because it's easy for them. We use International Treaties (Article 11 & 13) to legally slash that rate to 10-15%.
See how much "Lazy Tax" you are paying on your NRO Fixed Deposits.
30% Rate + 4% Cess
Legally Capped Rate
We speak the language of International Tax Law.
The Law: Article 11 of most DTAAs states that interest arising in India may be taxed in the resident country (e.g., UAE). If taxed in India, it shall not exceed 10-15%.
The Law: Article 13(4) (India-UAE) allows for capital gains on certain assets (like Mutual Funds/Debentures) to be taxable *only* in the country of residence.
Yes. To claim DTAA benefits, you must obtain a TRC from the government of your residence (e.g., FTA in UAE). We guide you through this application process.
Yes. If you have paid excess TDS in the last 2 years, we can revise your returns or file a rectification to claim the refund under DTAA provisions.
Never. Banks default to the safest option for them (30% + Cess). You must proactively file Form 10F and submit the TRC to force the lower rate.
Every month you wait is 30% lost. Let us structure your DTAA Shield today.
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