NRI Capital Gains Tax Advisory
NRIs selling property, equity shares, or mutual funds in India face capital gains tax at rates that differ from resident Indians — and often at higher effective rates due to surcharge on large gains. However, significant exemptions are available under Sections 54, 54EC, and 54F for property gains, and the indexation provisions reduce the taxable base for older assets. BSP Associate provides end-to-end capital gains advisory for NRIs — computing the exact tax liability, identifying all available exemptions, structuring the reinvestment plan, and advising on repatriation of sale proceeds.
What's Included
Everything you get when you engage BSP Associate for NRI Capital Gains Tax Advisory.
- Capital gains computation with correct NRI rates and surcharge
- LTCG vs STCG determination based on holding period
- Section 54 exemption — reinvestment in another residential property
- Section 54EC exemption — investment in NHAI / REC bonds
- Section 54F exemption — gains from non-residential assets
- Capital Gains Account Scheme (CGAS) guidance
- Repatriation planning from NRO to foreign account
Documents Required
Have these ready before you reach out — it speeds things up considerably.
Documents You'll Need
Please arrange these before your consultation
- Original property purchase deed with registration details
- Sale agreement and final sale deed
- Cost of improvement records
- Passport showing NRI status
- PAN card
- Capital gains statements from broker (for shares and mutual funds)
- Tax Residency Certificate (for DTAA benefit assessment)
Don't have these? We'll prepare them for you.
BSP Associate can draft and file all of the following
- Capital gains computation with indexation
- Exemption workings under Section 54 / 54EC / 54F
- Capital Gains Account Scheme deposit guidance note
- Repatriation plan under FEMA and RBI guidelines
- Tax computation summary for advance tax and ITR filing
Frequently Asked Questions
Common questions about NRI Capital Gains Tax Advisory.
For NRIs, LTCG on property held for more than 2 years is taxed at 12.5% without indexation (for properties sold after July 23, 2024) or at 20% with indexation (for properties acquired before July 23, 2024 where the option is exercised). Surcharge applies on gains above ₹50 lakh. The effective rate including surcharge and cess can range from 13% to 14.95% without indexation.
BS Balaji
Founder & Principal Consultant
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