InSafeHands · For NRI Landlords

Most NRI Landlords Lose a Third of Their Rent to Unnecessary TDS

Under Section 195, tenants must deduct tax at a flat 31.2% on rent paid to an NRI landlord — far more than most landlords actually owe once deductions and exemptions are applied. We help you reduce that legally, and make sure your tenant doesn't run from the paperwork in the first place.

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1. We take the compliance burden off your tenant

The biggest reason good tenants hesitate to rent from an NRI landlord: they suddenly need a TAN, monthly deposits, quarterly returns, and certificate issuance — for an ordinary salaried tenant, that's a lot to take on alone. Your tenant stays the deductor on record, but we coordinate the paperwork on their behalf:

  • Help the tenant obtain a TAN (Form 49B) before the first payment
  • Calculate the correct deduction each month and confirm the deposit deadline
  • Coordinate quarterly Form 27Q filing with our tax partners
  • Make sure Form 16A reaches you after every filing
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2. We help you legally reduce the rate

The flat 31.2% rate assumes your entire rent is taxable income. In reality, once the standard 30% deduction, home-loan interest, and your basic exemption are applied, most NRI landlords owe far less — often close to nil. We coordinate with independent chartered accountants to:

  • Estimate your actual Indian tax liability on the property
  • File Form 13 for a lower or nil-deduction certificate under Section 197
  • Hand the certificate to your tenant so deduction happens at the certified rate instead of 31.2%

This is the single biggest lever: it's the difference between money stuck with the tax department for a year and money in your account every month.

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3. We make sure over-deducted money comes back

If you don't have a Section 197 certificate yet, the amount deducted isn't lost — it's a prepayment against your actual tax liability. A surprising number of NRI landlords never claim it back. We help make sure that doesn't happen to you:

  • Collect Form 16A from your tenant every quarter
  • Confirm the credit shows correctly in your 26AS/AIS
  • Coordinate an ITR filing with our tax partners so any refund is actually claimed
  • Factor in DTAA relief where it applies to your country of residence

A note on how this works

InSafeHands is a property management platform, not a tax advisory firm. Section 197 applications, TDS filings, and ITR filings are handled by independent chartered accountants we coordinate with on your behalf — we manage the property side and the paperwork trail so nothing falls through the cracks. Availability may vary by location and case; we'll confirm specifics when you sign up.

Curious how much this could save you?

Try our free calculator to see exactly what you're losing to TDS today, or list your property and we'll walk you through the rest.

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