Regi Tom Antony, FCA — a practicing Chartered Accountant who advises NRIs, OCIs and returning founders on the same questions every week. Every page here is drawn from the book and live engagements, not stock copy.
Buyers withhold 12.5–30% of the sale price without checking actual gain or DTAA position.
Most sellers think about Section 197 and the available exemptions only after the agreement is locked.
15CA/CB, NRO routing and bank documentation are handled at the end — delaying outward remittance by months.
Title, cost-base and succession issues surface mid-deal and stall closing.
Most NRI sellers don't lose money because the law is impossible. They lose money because the sequence is wrong.
Review tax, TDS and documents before signing — and decide whether to file Section 197 / Form 13.
TDS was deducted at the default rate. Review actual tax, filing, refund and the repatriation steps.
Clarify title, ownership, cost base and succession impact before the sale moves forward.
From 23 July 2024, long-term gains on immovable property (held over 24 months) are taxed at 12.5% without indexation. Short-term gains at slab rates. NRIs do not get the resident-only grandfathering option.
Buyer deducts under Section 195 before paying you. Default 12.5% (LTCG, plus surcharge/cess) or 30% (STCG) on sale value is usually higher than your real tax — Section 197 fixes that.
NRO routing, FEMA documentation and 15CA/CB determine how quickly proceeds can move abroad — up to USD 1M per NRI per FY.
Property, ownership history, country of residence and your transaction timeline — mapped end to end.
Property & Repatriation service →Capital gains, real tax liability and buyer-side withholding exposure under DTAA where relevant.
NRI Taxation service →Section 197 / exemption / documentation route — decided before execution, not after.
Section 197 guide →Coordinate tax, filing and repatriation so the sale doesn't stall at the bank stage.
FEMA Compliance service →Your home-country tax rules sit on top of the Indian side. We plan both ends so credits, timing and reporting line up — not just the Indian return.
UK CGT, India CGT, DTAA credit and UK IHT all interact. The sequencing of the sale and remittance affects which side taxes first.
Tax-free income at home, but Indian tax, NRO routing and bank documentation still need to be right. UAE corporate tax matters where entities are involved.
Align the sale timing with home-country tax rules, foreign income reporting (FBAR / T1135 / etc.) and FX considerations before signing.
Illustrative patterns from real engagements — individual outcomes vary.
The guidance on this page follows the same practical frameworks used in NRI Tax Blueprint 2025 — written specifically for real-world NRI tax, property, FEMA and repatriation situations.
Advisory is delivered by a CA-led team that regularly handles NRI property sales, Section 197 filings and cross-border planning — not one-off local conveyancing.
The focus is always on sequence: getting the order of decisions right so the law works for you, not against you.
Five fields. We'll review your situation and reply with the first read on tax, TDS and repatriation — usually within one working day. Prefer a longer intake? Book a consultation instead.
Default 12.5%/30% and how Section 197 / Form 13 brings it down.
Form 13, eligibility, timing and what the AO actually wants.
USD 1M cap, 15CA/CB and NRO mechanics.
End-to-end advisory across sale, NRO and remit.
Title, partition and FEMA on inherited assets.
Decisions, sub-journeys and corridor-specific guidance.
TDS cut from 14.95% to 4.1%; significant working capital freed at closing.
If you are selling property in India from abroad, the key decisions are usually made before the payment is received: tax position, buyer TDS, documentation and repatriation path. This is the stage where planning has the highest value.
A 45-minute working session that ends with a written next-step plan.
One email a fortnight. Corridor updates, deadline alerts, and one written framework worth your inbox.