Chartered Accountant · ICAI M.No. 153926 · FRN 136869W · Reviewed on 12 October 2026
Which date is yours
An NRI with rent, interest and capital gains is a 31 July filer. The 31 October date arrives only if your Indian proprietorship/profession crosses the section 44AB thresholds; 30 November only with reportable international transactions with associated enterprises (rare for individuals). Senior-citizen and salary relaxations don’t change the date — only the audit status does.
Why filing on time matters more for NRIs
Three reasons. Refunds: NRO interest suffers 30% TDS from the first rupee — the refund is claimable only through the return. Losses: a capital loss (that Indian equity dip, a property sale) carries forward only if the return meets the due date — sections 139(3) and 80. Credits abroad: your US/UK accountant wants a filed Indian return to claim foreign tax credit cleanly.
Filing from abroad, practically
Everything runs online: register once, e-verify through net-banking of your Indian account (or Aadhaar OTP where it works abroad; the DSC route as fallback). Keep the India-side papers — TDS certificates, capital-gains statements, Form 26AS (Form 168 from tax year 2026-27)/AIS pulls — matched before filing, because mismatch notices are tiresome across time zones. Our NRI tax practice handles the whole cycle over video, including the December belated window when July slipped.