Free NRI calculator

NRI Property Capital Gains & TDS Calculator (2026 Rules)

Buyers must deduct TDS from the full sale price when buying from an NRI, not from your profit. See your real tax, the default TDS and the cash a Form 128 certificate (formerly Form 13) can release.

Purchase price (₹)

Include stamp duty, registration and improvement costs.Sale price (₹)

Holding period

Months held

Country of residence

Long-term capital gain

₹60,00,000

Tax on gain (14.30%)

₹8,58,000

Default buyer TDS (14.95% of sale)

₹17,94,000

Cash freed by Form 128

₹9,36,000

Long-term: 12.5% without indexation, plus surcharge (10% above ₹50 lakh, 15% above ₹1 crore) and 4% cess.

Default TDS vs actual tax

Default TDS on sale price₹17,94,000

Actual tax on gain (Form 128 TDS)₹8,58,000

TAN waiver from 1 October 2026: under CBDT Notification No. 121/2026, resident individual and HUF buyers use PAN-based Form 141, Schedule E, for a covered purchase from an NRI and do not need a TAN. Corporate buyers still need a TAN. The TDS obligation itself is unchanged.

USA: US persons face FATCA reporting and IRS PFIC rules on Indian mutual funds; report Indian accounts on FBAR (FinCEN 114) and Form 8938. Worldwide income stays taxable in the US even after you return to India if you hold citizenship or a green card.

Estimates only, based on rules as understood in November 2026. Surcharge, cess, exemptions and treaty benefits depend on your full facts. Confirm with a qualified CA/CPA. Disclaimer