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InternationalIndividual
NRO vs NRE Account Tax Calculator
Net interest yield comparison — NRE is tax-free for NRIs; NRO interest attracts TDS @ 30% plus 4% cess.
Your inputs
₹10,00,000
₹
Result
- Gross annual interest
- ₹75,000
- TDS rate
- 31.20%
- TDS withheld
- ₹23,400
- Net interest received
- ₹51,600
- Effective post-tax yield
- 5.16% p.a.
Estimates only — rules change frequently. Please verify with a CA before you file, invest, or sign anything.
Assumptions
- NRE interest is exempt under s.10(4)(ii) so long as you remain an NRI/RNOR.
- NRO TDS shown without surcharge — adds 10–37% if total Indian income exceeds ₹50L.
- DTAA may reduce NRO TDS if Tax Residency Certificate is provided to the bank.
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