TDS Navigator: India–US
DTAA Calculator
India deducts TDS at 30% by default. As a US-based NRI, you're entitled to significantly lower rates under DTAA. See exactly what you owe — and what you're overpaying.
What’s This Calculator?
If you're an Indian living in the US, income you earn from India (dividends, interest, royalties, or capital gains) is usually credited to your NRO (Non-Resident Ordinary) account. Before it lands there, TDS (Tax Deducted at Source) gets applied under Section 195 - typically at 20%–30%, and higher with surcharge and cess.
If you're an Indian living in the US, income you earn from India (dividends, interest, royalties, or capital gains) is usually credited to your NRO (Non-Resident Ordinary) account. Before it lands there, TDS (Tax Deducted at Source) gets applied under Section 195 - typically at 20%–30%, and higher with surcharge and cess.
The India-US DTAA (Double Taxation Avoidance Agreement) lets you claim lower treaty rates, but only if you submit a Tax Residency Certificate (TRC) and Form 10F. This calculator shows exactly how much TDS applies with vs. without your TRC — so you know what you're entitled to before the deduction happens.
The India-US DTAA (Double Taxation Avoidance Agreement) lets you claim lower treaty rates, but only if you submit a Tax Residency Certificate (TRC) and Form 10F. This calculator shows exactly how much TDS applies with vs. without your TRC — so you know what you're entitled to before the deduction happens.
If you want a deeper breakdown, read our guide on TDS for NRIs in the USA and how DTAA reduces your tax liability.
If you want a deeper breakdown, read our guide on TDS for NRIs in the USA and how DTAA reduces your tax liability.
Select Your Country of Residence
Note: Currently supports only India–US. UK and UAE are visible in the dropdown but disabled.
Enter Your Income Sources
Total income is taken as the sum of all entries. Enter details carefully to ensure surcharge slab is applied correctly.
Your Entries
Added Income are listed below
TDS Calculation Results
Check summary of taxation on your total income or compare taxation in detail for each income
| Description | With TRC (₹) | Without TRC (₹) |
|---|---|---|
| Total Gross Income | 0 | 0 |
| Total Base TDS | 0 | 0 |
| Surcharge Rate Applied | 0% | 0% |
| Surcharge Amount | 0 | 0 |
| Cess (4%) | 0 | 0 |
| Total TDS Deducted | 0 | 0 |
| Net Income Payable | 0 | 0 |
Reference TDS Rates (India-US DTAA)
TDS Rates by Income Type
Select Your Country of Residence
Note: Currently supports only India–US. UK and UAE are visible in the dropdown but disabled.
Enter Your Income Sources
Total income is taken as the sum of all entries. Enter details carefully to ensure surcharge slab is applied correctly.
Your Entries
Added Income are listed below
TDS Calculation Results
Check summary of taxation on your total income or compare taxation in detail for each income
| Description | With TRC (₹) | Without TRC (₹) |
|---|---|---|
| Total Gross Income | 0 | 0 |
| Total Base TDS | 0 | 0 |
| Surcharge Rate Applied | 0% | 0% |
| Surcharge Amount | 0 | 0 |
| Cess (4%) | 0 | 0 |
| Total TDS Deducted | 0 | 0 |
| Net Income Payable | 0 | 0 |
Reference TDS Rates (India-US DTAA)
TDS Rates by Income Type
Select Your Country of Residence
Note: Currently supports only India–US. UK and UAE are visible in the dropdown but disabled.
Enter Your Income Sources
Total income is taken as the sum of all entries. Enter details carefully to ensure surcharge slab is applied correctly.
Your Entries
Added Income are listed below
TDS Calculation Results
Check summary of taxation on your total income or compare taxation in detail for each income
| Description | With TRC (₹) | Without TRC (₹) |
|---|---|---|
| Total Gross Income | 0 | 0 |
| Total Base TDS | 0 | 0 |
| Surcharge Rate Applied | 0% | 0% |
| Surcharge Amount | 0 | 0 |
| Cess (4%) | 0 | 0 |
| Total TDS Deducted | 0 | 0 |
| Net Income Payable | 0 | 0 |
Reference TDS Rates (India-US DTAA)
TDS Rates by Income Type
Why You Should Obtain a TRC
(Tax Residency Certificate)?
Why You Should Obtain a TRC (Tax Residency
Certificate)?
Maximize your post-tax returns with these key benefits
Discover the exclusive advantages that make GIFT City the premier financial destination for global investors
Discover the exclusive advantages that make
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for global investors
Lower TDS in India
Lower TDS in India
With a TRC, you can claim DTAA benefits. This ensures lower withholding tax rates (e.g., 15% instead of 20–30%).
Enjoy completely tax-free returns on your savings in India
Avoid Double Taxation
Avoid Double Taxation
Indian TDS paid with TRC can be converted into Foreign Tax Credit (FTC) in the US. This reduces your total US tax liability.
Fully regulated by the International Financial Services Centre
Required for Compliance
Required for Compliance
TRC is a must-have document under Indian law to avail DTAA. Needed to prove to both Indian and US tax authorities that you are a US tax resident.
TRC is a must-have document under Indian law to avail DTAA. Needed to prove to both Indian and US tax authorities that you are a US tax resident.
Bottom Line: Having a TRC means lower upfront tax in India +
easier credit in the US, ultimately maximizing your post-tax returns.
Bottom Line: Having a TRC means lower upfront tax in India + easier credit in the US, ultimately maximizing your post-tax returns.
FAQs
What is a Tax Residency Certificate (TRC) and is it mandatory?
How do I get TRC as a US-based NRI?
How do I submit my TRC to claim DTAA rates in India?
Can I claim a refund if TDS was deducted at a higher rate without TRC?
Does DTAA apply to NRE account interest?
What is surcharge and how does it affect my TDS?
What is the difference between TDS & Income Tax?
What is the difference between TDS and Capital Gains Tax?
What is the difference between TDS and Withholding Tax?
Do I still need to report this income in the US?
Do mutual fund investments in India qualify for DTAA benefits?
What is a Permanent Establishment (PE)?
Do I need Form 15CA/15CB even with DTAA benefits?
Can I claim Foreign Tax Credit (FTC) in the US for TDS paid in India?
Sources:
• Income Tax Act, 1961
• India-US Double Taxation Avoidance Agreement (DTAA)
• CBDT Circulars and Notifications
• Finance Act 2024
Last Updated
September 2025
Disclaimer: Tax laws are subject to change.
Please consult a tax professional for advice.
Last Updated
September 2025
Last Updated
September 2025
In case of any assistance, you can reach out to our Support team over WhatsApp or Email us at support@rupeeflo.com
In case of any assistance, you can reach out to our Support team over WhatsApp or Email us at support@rupeeflo.com
Disclaimer:
Tax laws are subject to change. Please consult a tax professional for advice.
Disclaimer:
Tax laws are subject to change. Please consult a tax professional for advice.
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Rupeeflo
Demat. Digital notarization. Document courier. Money transfers. All done from the comfort of your couch.
For all NRI related news and updates.
Stay ahead with Rupeeflo
Subscribe To Our Newsletter
Rupeeflo platform is owned and operated by DMA Rupeeflo Technologies Private Limited, which facilitates digitised and seamless process for opening of DEMAT & Trading accounts with various SEBI registered stockbrokers in India. The ultimate approval and activation of DEMAT & Trading accounts, are at stockbroker’s sole discretion; and upon opening of account, your relationship is exclusively governed by the respective stockbroker’s terms and conditions. Globalnest Securities Private Limited, a subsidiary of DMA Rupeeflo Technologies Private Limited is a NSE registered Authorised Person (AP) - AP2516005033 of Zerodha Broking Limited, a SEBI registered Stockbroker.
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