Core Professional Services
Individuals & NRI Services
Personal tax, capital gains, property transactions, residential status and repatriation for resident individuals, families and non-resident Indians.
Overview
Personal tax has become more involved. Income now comes from salary, investments, property, ESOPs and accounts in more than one country; the tax department sees much of it through AIS before the return is filed; and NRIs face TDS, treaty and repatriation rules that differ from those for residents.
Where this helps
Common situations
Resident individuals
- 01You are unsure whether the old or the new tax regime is better for you this year.
- 02AIS shows income that the return did not report, and a notice has arrived.
- 03Shares, mutual funds or ESOPs were sold, and gains must be worked out across many transactions.
- 04A house was sold, and the gain must be reinvested correctly to claim the exemption.
- 05Foreign shares, RSUs or bank accounts held abroad must be reported in the return.
Non-resident Indians
- 06You are selling property in India, and the buyer wants to deduct tax on the full sale price.
- 07Income earned in India and abroad may be taxed twice.
- 08Rent, interest and dividends earned in India need a return and the correct TDS.
- 09Money from a property sale or NRO balances must be sent abroad.
- 10The bank asks for Form 15CA and Form 146 (earlier Form 146 (earlier Form 15CB)) before it will remit funds.
Returning NRIs
- 11You are moving back to India and want to know when your global income becomes taxable here.
- 12Foreign retirement accounts, deposits and investments need planning before you return.
Families
- 13A HUF needs its own return and tax planning.
- 14Elderly parents need help with returns, refunds and TDS on pensions and deposits.
- 15Inherited property or investments must be transferred, and their tax effect understood.
How we help
Our services and how we work
Personal Tax Returns & Planning
We prepare returns for salaried individuals, professionals, HNIs and HUFs, compare the old and new tax regimes, and plan advance tax and investments before the year closes. Returns are reconciled with AIS and Form 168 (earlier Form 26AS) before filing.
Includes
- return preparation and filing
- regime comparison
- advance tax
- AIS and Form 168 (earlier Form 26AS) reconciliation
- refunds and rectifications
- replies to notices
Capital Gains
We compute capital gains on property, listed and unlisted shares, mutual funds, ESOPs and RSUs, and advise on exemptions available for reinvestment.
Includes
- property, shares and fund gains
- ESOP and RSU taxation
- cost and holding-period records
- reinvestment exemptions
Property Transactions & TDS
We work out the tax on buying or selling property, including TDS when the seller is an NRI. For NRI sellers, we apply for a lower deduction certificate based on the actual gain, so tax is not deducted on the full sale price.
Includes
- tax computation on sale
- TDS on property purchase
- lower deduction certificate for NRI sellers
- TDS returns and certificates
Residential Status & DTAA Relief
We determine residential status each year, including RNOR status for returning NRIs, and claim relief under tax treaties for income taxed in two countries.
Includes
- residential status review
- RNOR planning for returning NRIs
- DTAA relief
- foreign tax credit
- residential status note
Foreign Assets & Income Reporting
We help residents report foreign bank accounts, shares, RSUs, property and income correctly in their returns, and set up records for future years.
Includes
- foreign asset schedules
- foreign income reporting
- foreign tax credit
- record-keeping guidance
Repatriation & FEMA Documentation
We prepare the certificates and documents needed to send funds abroad from India, including Form 146 (earlier Form 15CB), and advise on NRO and NRE account rules.
Includes
- Form 15CA and Form 146 (earlier Form 146 (earlier Form 15CB))
- repatriation documentation
- NRO and NRE account guidance
- bank coordination
Ways to engage
How we can work with you
Annual filing and planning
Return, advance tax and planning for an individual, family or HUF each year
Transaction-based
A property sale, ESOP exercise, repatriation or one-time capital gains computation
Relocation support
NRIs moving back to India, or residents moving abroad
Who this is for
Salaried individuals and professionals; HNIs and families with investments; HUFs; employees with ESOPs or RSUs; NRIs with income or property in India; NRIs selling property; returning NRIs; and senior citizens.
Frequently asked questions
Questions people ask
Does an NRI need to file a tax return in India?
Yes, if taxable income in India exceeds the basic exemption limit, or to claim a refund of excess TDS.
Can an NRI reduce TDS when selling property?
Yes. Before the sale, the NRI can apply for a lower deduction certificate based on the actual gain, so the buyer deducts tax only on that amount.
How much can an NRI send abroad from an NRO account?
RBI rules allow up to USD 1 million per financial year from NRO balances, including property sale proceeds, subject to tax and the required documents.
What is RNOR status?
Returning NRIs may qualify as "Resident but Not Ordinarily Resident" for a period after returning. During this period, foreign income is generally not taxed in India.
Do I have to report foreign assets even if no tax is due?
Yes. Residents must report foreign assets and income in their return, even when no tax is payable on them.
Old or new tax regime: which is better for me?
It depends on your income and deductions. We compare both each year before you file.
Advice is based on the law in force at the time and the facts provided.