NRI Tax Filing (ITR)
File the return that reports the sale and claims your TDS refund.
Learn more →Property sale · capital gains · repatriation
Sell your property in India — without losing lakhs to TDS.
When an NRI sells property in India, the buyer must deduct TDS on the full sale value — not just your gain — unless you plan ahead. We handle the whole sale: capital-gains computation, a lower-TDS certificate, 54EC, and FEMA-compliant repatriation to your account abroad. One relationship manager, until the money lands.
20%+ can be locked up in TDS without planningUSD 1M repatriable per year, done rightLicensed CAs handle every filing
✓ Licensed CAs, CPAs & ACAs ✓ Fixed fees, shown before you commit ✓ Your money never touches NRI360 ✓ One RM end to end, in your timezone
Why it goes wrong
The five things that trip NRIs up on a property sale
Selling Indian property from abroad is rarely about finding a buyer — it's about not losing money to the tax mechanics. The pain points are predictable, and every one of them is avoidable with the right sequence.
1. TDS on the full sale value. For a sale on or after 23 July 2024, long-term gains are taxed at 12.5% without indexation. But unless you act first, the buyer is legally required to deduct TDS on the entire sale consideration, plus surcharge and cess — often far more than your actual tax. That cash gets stuck until you file and claim a refund.
2. The lower-TDS certificate (Form 13). Apply to the Assessing Officer before the sale deed, and TDS is computed on your real gain instead of the full price. This is the single biggest lever — and it must be in hand before closing, which takes weeks.
3. Capital-gains exemptions. Sections 54, 54F and 54EC can legitimately reduce or defer the tax — but each has strict timelines and caps that catch people out.
4. 15CA/15CB and FEMA. To move the proceeds abroad you need Form 15CA, a CA's Form 15CB certificate, and bank documentation — within the USD 1 million per financial year limit from your NRO account.
5. Doing it from a different timezone. Buyers, lawyers, banks and the tax portal all expect someone on the ground. That's the part we own for you.
Capital-gains computation
We calculate your real gain and the tax actually due
Lower-TDS certificate applied
Form 13 to the AO before the sale — so cash isn't locked up
54EC / 54 options assessed
We model whether reinvestment or bonds save you more
15CA/15CB filed
CA-certified, FEMA-compliant remittance paperwork
Repatriated to your account abroad
We stay with you until the funds land
Know before you sell · FY 2025–26
NRI property tax, in plain language
The current position, explained simply. Indicative only — your exact numbers are confirmed in your free review.
What rate is the capital-gains tax now?
For property held over 24 months and sold on or after 23 July 2024, long-term capital gains are taxed at 12.5% without indexation (plus surcharge and cess). The older 20%-with-indexation regime no longer applies to these transfers. Sold within 24 months, the gain is short-term and taxed at slab rates.
Why is so much TDS deducted upfront?
Unless you obtain a lower-TDS certificate, the buyer must deduct TDS on the full sale consideration, not just your gain. On a large sale that can mean lakhs more withheld than you actually owe — recoverable only by filing a return and claiming a refund. A Form 13 certificate fixes this at source.
How does a 54EC bond help?
You can reinvest your long-term capital gain — up to ₹50 lakh — in notified 54EC bonds (NHAI/REC) within 6 months of the sale to defer the tax. They carry a 5-year lock-in. Whether this beats reinvesting in another property depends on your plans; we model both.
Can I bring the proceeds abroad?
Yes — up to USD 1 million per financial year from your NRO account, with Form 15CA, a CA's 15CB certificate and bank documentation. We handle the filing and coordinate with your bank end to end.
Related
Other things we handle for NRIs
Repatriation — 15CA/15CB
Move the sale proceeds out of India, fully FEMA-compliant.
Learn more →All NRI services
Tax, banking, wealth and parent care — in one place.
Learn more →Questions
Selling property in India — your questions
How much tax will I pay when I sell my property in India?
For a long-term holding (over 24 months) sold on or after 23 July 2024, the gain is taxed at 12.5% without indexation, plus surcharge and cess. Held under 24 months, it is taxed at slab rates. Your free review gives you a real number based on your purchase and sale details.
Can I reduce the TDS deducted on the sale?
Yes. By applying for a lower-TDS (Form 13) certificate before the sale deed, TDS is computed on your actual gain rather than the full sale price — often saving lakhs in locked-up cash. It must be obtained before closing, so plan 45–60 days ahead.
How do I bring the money to my country abroad?
Through your NRO account, up to USD 1 million per financial year, using Form 15CA and a CA-certified Form 15CB, with FEMA-compliant bank documentation. We file these and coordinate the remittance for you.
Do I have to be in India to sell?
No. We coordinate buyers, lawyers, the bank and the tax portal on your behalf, and can work with a registered power of attorney where needed. Most of our clients complete the sale entirely from abroad.
What does it cost?
Property sale support is project-based, quoted as a fixed fee in writing after your free review — no hidden commissions, and your money never passes through NRI360.
Start free
Selling property in India? Start with a free review.
Tell us where the property is and where you live. We'll come back within 1 working day with what to do — and what it should cost.
We reply within 1 working day — by a real relationship manager, not an auto-reply.
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