TaxSavvy

For NRIs

Selling a flat? Don't let TDS lock your money.

Without a lower TDS certificate, buyers usually deduct on the full price, not your gain.

  • ₹3,90,000

    kept in hand on a ₹45 lakh sale

    TDS usually taken on the full price ₹5,85,000 vs tax on the ₹15 lakh gain ₹1,95,000. 12.5% plus 4% cess. Certificate under Sec 395 (old 197), Form 128 (old Form 13). [1][2][3]

  • ₹1,95,000

    tax saved by putting the ₹15 lakh gain in bonds

    Sec 85 (old 54EC) bonds within six months, up to ₹50 lakh. [4][1][3]

Worked examples for tax year 2026-27, Income-tax Act 2025, resident individual in the new regime unless stated. Your own figures will differ.

Step 1

Upload your bank statement

Bank statement analyser

NRO credits, interest and TDS, by month.

Also: Notice decoder

Upload bank statement

Step 2

What you get

Your benefit

₹3,90,000

not blocked on the example above. Your own number comes from your papers.

The service that gets it done

NRI selling property in India

IDFD: Information, Discussion, Forms, Deliverables. Price and steps on the service page.

Assign a SavvySee every step

Every answer comes as FPAC: Facts, Provisions and law, Analysis, Conclusion. A verified Savvy does the work, a CA checks it, and you pay the price shown.

Sources

  1. [1]Sec 197 (old 112): long term gains 12.5%
  2. [2]Sec 393 (old 194-O, 194A, 194J, 194R): TDS table
  3. [3]Tax rates: Health and Education Cess 4%
  4. [4]Sec 85 (old 54EC): bonds up to ₹50 lakh
  5. [5]Income-tax Act 2025 in force from 1 April 2026

If you are a

Not you? Pick again.

Worked examples from the law, then your own from one upload.