TDS Refund Reclaim After Returning to India
Reclaim excess NRO TDS and salary withholding: 26AS vs AIS, Form 15G/15H, and ITR refund timeline after residency flip.
The 60-second version
Returning NRIs often face 30% TDS on NRO interest and 10% on dividends while actual tax is lower — file ITR with correct residency status to reclaim via refund.
Banks deduct TDS at NRI rate until you prove resident status
NRO interest often sees 30% TDS until Form 15G/15H or lower-rate certificate.
Redesignate accounts and submit Form 15G/15H before FY interest accrual peaks.
Mismatch guide: 26AS vs AIS.
TDS reclaim paths
| Source | Default TDS | Reclaim route |
|---|---|---|
| NRO interest | 30% | 15G/15H or ITR refund |
| Salary | Slab | Form 16 + ITR |
| Rent received | 10% 194-I | ITR if lower slab |
| MF dividend | 10% 194K | ITR + treaty |
Refund sequence
Download 26AS
All TDS credits.
Fix bank TDS
15G/15H resident.
File ITR
Correct status.
E-verify
Within 30 days.
Track refund
CPC status.
Flow
TDS refund kit
- 26AS PDF.
- AIS PDF.
- Form 16/16A.
- Bank TDS cert.
- Refund bank validation.
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Do not wait for AO
Most reclaims flow through ITR refund — Form 13 lower TDS is preventive; ITR is corrective.
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Refund timeline?
Typically 2–12 weeks post e-verify if bank account pre-validated.
15G after return?
Yes if resident and below exemption limit.
30% NRO still?
Bank may lag redesignation — submit resident KYC proof.
Foreign tax too?
Use Form 67 — separate from TDS reclaim.
Belated ITR refund?
Yes if within limitation.
Interest on refund?
Section 244A if delay beyond prescribed period.
Your tax year is already running.
RNOR status, exit timing, and DTAA benefits all depend on decisions you make before you land. Don't guess.