Your Indian income is taxed only in India
With no UAE income tax, there's no second layer and no home-country return. A valid TRC brings your NRO interest down to 12.5% and dividends to 10%.
NRIs in the UAE · India + UAE tax
NRI tax filing from the UAE, done properly.
Living in the UAE, with income or assets back in India? We file your Indian return, apply every India-UAE treaty benefit, and line it up with your UAE obligations — so nothing is taxed twice and nothing is missed.
India + UAE both sides handledTreaty rates TRC & Form 10FNo double tax credit claimed right
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At a glance
Tax filing from the UAE
Your TRCa TRC from the UAE Federal Tax Authority (~5–10 days)
NRO interest TDS30% → 12.5% with treaty
Dividends20% → 10%
India ITR due31 July
The situation
Two tax systems, one clean answer
As an NRI in the UAE, India taxes your India-source income — rent, NRO interest, dividends, capital gains — while the UAE taxes none of it. The trick isn't filing one return; it's making both agree, claiming the treaty rate at source, and preserving your credit. Get it wrong and you either overpay or invite a notice. Not sure of your status this year? Start with the residential-status calculator.
The UAE side
No second tax layer — but two things to watch
The UAE has no personal income tax, so your India income is taxed only in India — at reduced treaty rates. That makes the UAE one of the cleanest corridors. Two traps still catch people.
Mutual-fund gains can be India-tax-free
Under the treaty, capital gains on Indian mutual-fund units are taxable only in the UAE — effectively nil in India for a UAE resident with a TRC (rulings support this).
The deemed-residency trap
Because you pay tax nowhere, an Indian citizen with India income over ₹15 lakh can be pulled in as a deemed resident (taxed like an RNOR). High Indian rent/interest/dividends is the trigger — check the status calculator.
Get your FTA TRC early
The UAE TRC (Federal Tax Authority) needs 183+ UAE days and comes through in days, not weeks — get it before a big FD renewal or redemption so TDS is right at source.
India-UAE DTAA
What the treaty saves you
| Indian income | Standard NRI TDS | Treaty rate (with TRC + 10F) |
|---|---|---|
| NRO account interest | 30% | 12.5% |
| Dividends (Indian companies) | 20% | 10% |
| Royalty / technical fees | 20–30% | 10% |
Rates apply with a valid TRC + Form 10F filed before payment. NRE/FCNR interest is exempt in India regardless; immovable-property gains are taxed in India regardless of treaty.
Confirm your residential status
We fix whether you're NRI, RNOR or resident this year — it decides everything else.
Map the treaty & get your TRC + Form 10F
We identify your India-UAE treaty rates and get the paperwork in before payment, so TDS is right at source.
Reconcile 26AS/AIS and file ITR-2/3
We match your Indian income to the department's records and file the correct return.
Coordinate the UAE side & your refund
We line the return up with your UAE filing and claim back any excess TDS.
Key things to know
NRIs in the UAE — the essentials
The points that decide your bill and keep you out of trouble.
The Section 87A rebate isn't for NRIs
The headline 'no tax up to ₹12 lakh' is residents-only — as an NRI you're taxed from the first rupee above the exemption.
You use ITR-2 or ITR-3
NRIs can't file ITR-1. It's ITR-2 (salary/property/capital gains) or ITR-3 (business income).
Treaty relief needs Form 10F — filed first
A a TRC from the UAE Federal Tax Authority alone isn't enough; Form 10F must be e-filed, ideally before income is paid. See our DTAA & Form 10F guide.
Related
Keep going
NRI tax filing (all NRIs)
The full service, wherever you live.
Learn more →DTAA, Form 10F & TRC
How treaty relief actually works.
Learn more →Sell property from the UAE
Selling India property from the UAE? Start here.
Learn more →Questions
NRI tax in the UAE, answered
I pay no tax in the UAE — do I still file in India?
Most likely yes. UAE residency doesn't remove Indian tax on India-source income (rent, NRO interest, dividends, property gains). Filing is how you apply treaty rates and claim refunds.
What is the deemed-residency risk for UAE NRIs?
An Indian citizen taxed nowhere, with India income over ₹15 lakh, can be treated as a deemed resident (RNOR). Because the UAE has no income tax, the 'taxed nowhere' box is ticked automatically — so high Indian income needs watching.
Are my Indian mutual-fund gains taxable?
For a UAE resident with a valid TRC, capital gains on Indian mutual-fund units are generally taxable only in the UAE — effectively nil in India. Property and Indian-company-share gains are still taxed in India.
How fast can I get a UAE TRC?
The FTA usually issues it in about 5–10 days (183+ UAE days required). We then file your Form 10F so your bank applies the 12.5% treaty rate.
Start free
Filing from the UAE? Let's get it right.
Tell us your Indian income and your UAE situation. We'll map the treaty, handle the Indian return, and coordinate the UAE side — free review first, fixed fee before anything begins.
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