AmaIndiya (ama-NRI) ahlala eIndiya ajongene nemithetho ekhethekileyo yerhafu eyahluke kakhulu kweyokwabahlali. Enoba ubuyile okwexeshana emsebenzini, kwishishini, okanye kwentsapho, ukuqonda le mithetho kubalulekile ukuze ugcine ukuthobela nokulungelelanisa isikhundla sakho semali. Esi sikhokelo sibanzi sigubungela imithetho engundoqo yerhafu i-NRIs efunekayo ukwazi ngoxa zihlala eIndiya, kuquka ukuzimisela, ingeniso efumanekayo, iintengiso ezikhoyo, izivumelwano zerhafu yerhafu yezizwe ngezizwe ngezizwe, kunye nezenzo zokuhlawula irhafu.

Ngubani Ogqalwa Njengomntu One - NIRI?

Ibinzana elithi “Non-Resident Indian” lichazwa phantsi koMthetho we-Indiya Indies Task Act osekelwe kubukho bokwenyama kunokuba abe ngummi okanye isizwe. Umntu uthathwa njenge-NRI kunyaka wemali onikiweyo (Aprili 1 ukuya kuMatshi 31) ukuba banelise nayiphi na yezi meko zilandelayo:

  • Hlala eIndiya iintsuku ezingaphantsi ko182 ngexesha lonyaka wemali, uququ
  • Hlala eIndiya iintsuku ezingaphantsi kwama-60 kunyaka wemali [[FLT: 0] kunye ibingaphandle kweIndiya iintsuku ezingama-353 okanye ngaphezulu kwiminyaka emine engaphambili.

Imeko yesibini yiNRIs edla ngokuya eIndiya. Noko ke, ukuba ummi waseIndiya uqeshwa kwelinye ilizwe okanye ulilungu leqela lenqanawa, umqobo osezantsi weentsuku ezingama-60 uthathelwa indawo ngeentsuku eziyi-182, ithetha ukuba kufuneka abekho eIndiya iintsuku ezingaphantsi kwe182 ukuze agcine imeko ye-NRI. Kubalulekile ukuphawula ukuba umntu unokuba yi-NRI ngonyaka omnye kwaye abe ngummi kwimihla elandelayo, kuxhomekeka kwinani leentsuku ezikhoyo ngokoqobo eIndiya.

Ukuba Nemeko Yokufuna Ukukhotyokiswa Kwerhafu Nomphumo Wayo

Ityala lerhafu eIndiya lixhomekeke kumgangatho wakho wokuhlala. UMthetho werhafu ofunyenweyo umisela abantu ngokweendidi ezintathu:

  • I-Resident kunye ne-Ordinarian Resident – umntu odibana neemeko ezisisiseko zokuhlala kwaye ubuncinane ube uhlala eIndiya iminyaka emibini kwi 10 edlulileyo okanye ochithe iintsuku ezingama-730 eIndiya kwiminyaka esixhenxe edluleyo.
  • [[UMTL: 0] Icala kodwa hayi i-RNOR [RFL:1] – umntu ofanelekelayo ukuba ngummi kodwa ongazange ahlale eIndiya kangangeentsuku ezingama-730 kwiminyaka esixhenxe edluleyo okanye owayeyi-NRI kwiminyaka eli-9 kweyi-10 edluleyo.
  • [[UMTL:0] Non-Resident (NR) – Umntu ongahlangabeziyo iimeko zokuba ngummi.

I-NRIS eninzi iwela kudidi lwesithathu. Njengomntu ongengomkhokeli, uhlawulwa kuphela kwingeniso engu okanye ivela eIndiya okanye ingeniso ethathwa njengeyokuququzelela okanye enyukayo eIndiya. Ingeniso ehlawulwayo nefunyenweyo ngaphandle kwe-Indiya ayihlawulwa, nokokuba ungummi waseIndiya. Noko ke, ukuba uhlala eIndiya ungaphezulu kwemiqobo, imeko yakho ingatshintsha ibe yi-RNOR okanye ROR, izisa ingeniso yakho yehlabathi phantsi kwembono yerhafuthelo yase-Indiya.

Imihla - Imizekelo Eqhelekileyo Yohambo

Ukulandela ngenyameko iintsuku zobukho bokwenyama kubalulekile. Umzekelo, ukuba i-NRI kutyelelo olufutshane lwasekhaya ihlala imihla engama-60 okanye ngaphezulu, basengozini yokuba ngabahlali ukuba bakwanelisa imeko yemini engama-35 yelizwe laphesheya kwiminyaka emine edluleyo. I-NRIs ezininzi ngempazamo zicinga ukuba iholide emfutshane ayichaphazeli ngxaki yokuhlala. Enyanisweni, ukubala imini kubandakanya iintsuku zokuhamba kunye naluphi na usuku olungephi na oluncinane lobukho (usuku olukhawulezileyo/usuku oluphakathi lubalwa njengeentsuku ezipheleleyo eIndiya).

Kubantu base-NRI abaqeshwa abangamalungu enqanawa yamaIndiya, amalungiselelo akhethekileyo ayasebenza: ixesha lohambo ngenqanawa lithathwa njengexesha elichithwa ngaphandle kwe-Indiya ngenjongo yovavanyo lwemini ezili-182.2,2, ukuba inqanawa ibhaliswe ngaphandle kweIndiya okanye ingeniso ifumaneka ngokusebenza kwinqanawa yasemzini.

Ii - R1,50,50

NjengeNRI, ingeniso yakho ehlawulwa yirhafu eIndiya iquka ezi ntlobo zilandelayo:

  • Ifumaneka kwimpahla yendlu – ingeniso yeNqanawa evela kumhlaba okwi-Indiya, emva kwencopho ezivumelekileyo (i-30% yexabiso lokuhlahlela kunye nzala kwimali-mboleko yendlu).
  • Ingeniso evela kushishino okanye emsebenzini – nawuphi na umsebenzi owenziwa eIndiya, kuquka iofisi yesebe okanye iofisi yokunxibelelana, nokuba ungaphandle kweIndiya ngokoqobo.
  • Inzuzo yecapal -Ingeniso okanye inzuzo yokudluliselwa kwempahla yekomkhulu ekwi-Indiya, njengendawo, ukwabelana ngenkampani yamaIndiya, okanye imali yobabini.
  • [[FLT: 0] Ingeniso yogcino-mali – Ukuthengiswa kweenkonzo ezinikezelwa eIndiya, nokuba kuhlawulwa kwelinye ilizwe. Qaphela: Imali efunyenwe kumqeshi wangaphandle komqeshi womsebenzi owenziwe ngaphandle kwe-Indiya ayihlawulwa eIndiya.
  • Ingeniso engenisayo – inzala efunyenwe kwii-akhawunti zebhanki yase-Indiya (ngaphandle kwee-akhawunti ze-NRE) kunye nokukhutshwa kwemali ekhutshwe ziinkampani zamaIndiya.
  • I-Dividends kunye nobukumkani - ulwahlulo oluvela kwiinkampani zamaIndiya luhlawulwa ngerhafu yesantya sama-20% (unyuso kunye ne-ces) ukuba lungaphaya komnyango. I-Royal ukusuka kwimithombo yamaIndiya nayo iphantsi kwerhafu.
  • Ufumana kwezinye imithombo – iquka ukuphumelela kwelottery, ukubheja, ugqatso, kunye nezipho ezingaphezulu kwe-760,000 ngonyaka.

Imali efunyenweyo evela kwilizwe elingaphandle kwe-Indiya ayihlawulwa yi-NRI ngaphandle kokuba ifunyenwe eIndiya. Kodwa kufuneka ucwangciso olulunono ukuba i-NRI iyatshintsha indlela yokuhlala yonyaka.

Irhafu ye-akhawunti yeBhanki (NRE/NRO/FCNR)

Ummandla ongundoqo wokudideka kwee-NRIs ezininzi lunyango lwerhafu yee-akhawunti zabo zebhanki yase-Indiya. Ezi ntlobo zintathu zingundoqo zezi:

  • [[NTL:0] Ityala le-Non-Resident (NT) : Inzala efunyenweyo kule akhawunti ye-rupee-demomey ayihlawulwa yirhafu eIndiya. Umlinganiselo ukhululekileyo. Noko ke, ukuba umgcini-tyala uba ngummi, ityala maliye iguqulelwe kwi-akhawunti ye-RFC engenzenzeki, kwaye inzala yexesha elizayo iba yirhafu.
  • [[NTL:0] Ityala leNon-Resident (NRO) eliqhelekileyo: I-Deposait ingenziwa kuma-Indiya okanye imali yelinye ilizwe (eguqulelwe kwi-rupee). Inzala efunyenwe kwi-akhawunti ye-NRO ifanele ukuhlawulwa kwinani elisebenzayo leplastiki, kwaye i-TD ikhutshiwe kwi-30% (unyuso kunye ne-ces). Unikezelo lungaphelela ku-USSD 1-sigidi ngonyaka, ngokokungangeniselwa kwirhafu yerhafu kwezinye iimeko.
  • ElaseMhlabeni Elingekhoyo i-Resident (FNR-B) Akhawunti: Le akhawunti igcinwa kwimali yelinye ilizwe kwaye inzala ikhutshwa kwirhafu yengeniso yamaIndiya logama umgcini wemali ehleli eyiNRI. Ukurhoxa kwangethuba elifutshane okanye utshintsho kubume bokuhlala kungabangela ukuhlawula irhafu.

Ukuba ubuyela eIndiya ngethuba elide, kufuneka uvale ezi ngxelo ze-NRI ngexesha elifanelekileyo (ngokomzekelo iinyanga ezintathu ukuya kwezintandathu) okanye uziguqulele kwii-akhawunti zabahlali. Ukusilela ukwenza oko kungakhokelela kwisohlwayo nakwingxaki yerhafu.

Umlinganiselo Werhafu, Ukukhutshwa Kwerhafu, NoCes

Irhafu esetyenziswa kwii-NRI kwiindidi zengeniso iyafana neyabantu abahlala apho. Noko ke, kukho amalungiselelo akhethekileyo eentlobo ezithile zengeniso:

  • Ukufumana kwipropati yendlu, ishishini/iprofesi, umvuzo, kunye nezinye imithombo [ – irhafu yerhafu elikwixabiso eliqhelekileyo elisebenzayo kubantu abahlala khona (umz., 5%, 20%, 30% njengezibiyeli zengeniso).
  • Ingeniso yeCapatal - ingeniso yekomkhulu elifutshane-xesha elifutshane (ixesha elingaphantsi kweenyanga ezingama-24 kwimpahla ezininzi) yongezwa kwingeniso kwaye irhafu yexabiso lesinyithi. Imali yexesha elide iphumelele ngaphezulu kwe 761 lakh kuludwe lwe-equarch ihlawulwa kwi 10% ngaphandle kolawulo; ezinye izinto zihlawulwa kwi 20% nge-dendex.
  • Ingenisa kwi akhawunti ze NRO - TDS kwi 30% (uppelor ne 4% cess) – akukho - TDS esezantsi ivumelekile ngaphandle kokuba iifayile ze NRI Zikho 15G/15H (kodwa ezi azifanelekanga ze NRI).
  • I-Dividends - Ukwahlula-hlula ingeniso ngaphezulu kuma-765 000 ngonyaka ithotyelwe yi-TDS kwi-20% (unyuso kunye ne-ces). Inkampani ihlawula i-DDT (unikezelo lolwabelo lwephepha-mali) kuphela de kube ngu-FY 2019-20; ngoku ingeniso ihlawulwa ezandleni zomnikeli.
  • [[UMTHWALO:0] Imali ehlawulelwayo kunye nemali yobuchule – irhafu emiselwe phantsi koMthetho werhafu onikayo okanye esebenzayo ekuthinteleni isivumelwano sokuhlawula irhafu kabini (DTAA), nokuba yeyiphi na eluncedo kakhulu.

I-NRIS ayiwufaneleli umda osisiseko wokukhulula ukuba ingeniso yabo kuphela ivela kwingeniso yekomkhulu okanye kwezinye iingeniso kumlinganiselo okhethekileyo; kufuneka bathenge irhafu ngokufanelekileyo. I-Sureflag iyasebenza ukuba ingeniso iyonke ingaphezulu kwe-7650 lakh (10% i-igrafu yengeniso ekhoyo phakathi kwe-7650 lakh ne-61 crore, 15% kwi-761-2 crore, 25% kwi-62 crore, kunye ne-37% ngaphezulu kwe-65 crref). Impilo ne-ces zemfundo zidityaniswe kwityala lerhafu.

Iindlela zokufumana ii-NRIs

I-NRI inelungelo lokunika iincopho eziliqela phantsi kweSahluko VI-A soMthetho weNtolongo, ukuba ingeniso ifanele ukuhlawulwa eIndiya.

  • [[NKQUBO: 0] Unyuso 80C: Ukufikelela ku-761.5 lakh ukwenzela utyalo-mali kwi-PPF, ELS, iimali ze-inshorensi yobomi, ukuhlawula okuyintloko kwemali ebolekiweyo yendlu, iindleko zemali yabantwana, njl. njl. njl. inqaku: Iimali zemali ezenziwe kwelinye ilizwe azinakufezekiswa ngaphandle kokuba zikwizixhobo ezichaziweyo zamaIndiya.
  • [[NKQUBO:0] Unyuso 80D: Ukuhlawulelwa kwemali ye-inshorensi yezonyango ehlawulwayo kwinkcitho yakhe siqu neyentsapho (ukuya kutsho kuma-7625 000; 760,000 kubemi abaphezulu).
  • Unyuso 80E: inzala kwimali-mboleko yemfundo yezifundo eziphezulu – umlinganiselo ophezulu, osebenzayo ukufikelela kwiminyaka esibhozo.
  • Unyuso 80G: iminikelo kumaqumrhu athile anikela ngesisa – afanele ukuhlawuliswa ngomlinganiselo wama 50% okanye 100% okanye nangawufanelekiyo okanye angenawo.
  • Ukukhetha 80TTA: Inzala esuka kwityala lemali (ukuya kutsho kuma-7610 000) iyalahleka, kodwa kuphela kubantu abahlala khona – iiNRIs azinakubiza olu hlaziyo.
  • Unyuso lwemali yemali yemali yerhafu : Ingeniso yokuqesha, ukuhlaziywa okusezantsi kwe-30% yexabiso lomnatha ngonyaka kuvumelekile. Inzala kwimali esekhaya yempahla esebenzayo ikhutshelwa kwi 762 lakh (ukuziphatha ngokweemeko).

I-NRI kufuneka iqinisekise ukuba uhlaziyo lwemali oluthi luhlaziywe lwenziwe eIndiya kwaye luhlangabezane neemeko ezichaziweyo. Ezinye izincopho (njengeCandelo 80C lePPF) zifuna i-NRI ukuba ibe ne-akhawunti egcinwe kwi-ofisi yeposi yama-Indiya okanye kwi-bhanki.

Izivumelwano zoburhafu ezibini (i-DTAA)

I-Indiya ingene kwi-DTA njengenziwayo kumazwe angaphezu kwama-90. Ezi zivumelwano zithintela ingeniso efanayo ekuhlawulwani irhafu kabini-kanye eIndiya kwakhona kwilizwe lokuhlala. Amalungiselelo eDTAA anokuhlisa irhafu kwiindidi ezithile zengeniso njengenzala, inzuzo, izalathiso, ingeniso yamatyala, okanye ukunikezela ngerhafu ehlawulwa eIndiya ngokuchasene nerhafu ehlawulwa kwelinye ilizwe.

Ukubiza iinzuzo ze-DTAA, i-NRI kufuneka ibe neSiqinisekiso seTreaty Residency esisebenzayo (TRC) ukusuka kwilizwe lokuhlala, kunye neFomu 10F (iyakhe) ukuba iyafuneka. I-DTAA ingachaza kwakhona umthetho wokwaphula iqhina lokuhlala ukuze kubonwe ukuba liliphi ilizwe elinamalungelo aphambili arhafu. Umzekelo, phantsi kwe-Indiya-USA DTAA, ingeniso ephambili ekuthengisweni kwelizwe lokwenene lase-Indiya isenokuhlawulwa eIndiya kuphela, kodwa i-US ivumela ityala lerhafu yasemzini. Ngokuphikisana noko, inzala kwityala i-NRE isenokukhululwa eIndiya kodwa ihlawulelwa kwirhafu eUS; i-NRI mayiyinike ingxelo kwaye ifune irhafuse yangaphandle kwi-mali ehlawulelwayo yase-US.

I-NRIs kufuneka iqwalasele ngenyameko ukuba ifanele ikhethe iDTAA okanye umthetho werhafu yasekhaya, nokuba yeyiphi na eluncedo. Icebiso loogqirha linconyelwa ukuba ungahlawuli irhafu ephindwe kabini kwaye uthobele iimfuno zombini.

I-TDS (i-Tax Deduc eDikelwe kuMthombo)

I-TDS isebenza kwintlawulo eninzi ehlawulwa zii-NRI kwimithombo yamaIndiya.

  • [[UMTHL: 0] Isalathisi – Icandelo 192 kwinani elisebenzayo lebreyithi.
  • [[NTL:0] Ithe gqolo kwi-akhawunti ye-NRO - TDS phantsi kwecandelo 194N kwi 30% (unyuso lwe-NRI lungaphaya kwe-760,000 kunyaka wemali kubemi abaphezulu? ngenene, i-NRIS i-30% nangaliphi na inani; akukho bhaso lombango we-NRO. Kodwa ukuba i-NRI ine-PNUR ine-PNUR, iqondo li-30%; ngaphandle kwe-65, 20% (kodwa i-20% i-i-i-NRI i-inyanisiwe njengesiphene).
  • [[UMTL:0] I- – I-TDS phantsi kwecandelo 194I kwi 10% (ukwakha umhlaba) okanye 2% (yotyani/ulwakhiwo) – kodwa ukuba i-NRI ayinikezeli, i-TDS kwi-20%.
  • Ingeniso ye-Capital kwimpahla - Ukuthenga kufuneka kususwe iTDS ngaphantsi kwecandelo 194IA kwi-1% yokuqwalaselwa ukuba ixabiso lempahla lingaphezulu kwe-350 lakh. Ukuba umthengisi yi-NRI, i-TDS ikwi-20% kwimpumelelo yekomkhulu yexesha elide (unyuko kunye ne-cess) kwaye kumlinganiselo osebenzayo we-credible yengeniso yexesha elifutshane. Ngoko, umthengi unokufumana isiqinisekiso esisezantsi se-TDS phantsi kweCandelo 197.
  • Imali kunye nerhafu zobugcisa ``````````I-ROyal'''''' kunye nentlawulo yenkonzo yobugcisa' -TDS kwi 10% phantsi kwecandelo 194J kubemi; kuba i-NRIS, amazinga angaphantsi kwecandelo 195 angasebenzisa (30% okanye ezantsi njengakwiDTAA).

UNRIS ingafaka isiqinisekiso esisezantsi okanye esinenil TDS (Form 13) ukuba kukho umvuzo ophantsi jikelele eIndiya, kodwa oku kufuna ukuqokelela imbuyekezo kunye nobungqina bokuhlala irhafu kwelinye ilizwe. Okanye, bangabiza i-TDS eninzi ngokufaka irhafu ebuyayo kwi-Indiya.

Ukubhatala Ngerhafu Kubuya Njenge - NI

I-NRI iyafuneka ukuqokelela irhafu ebhatalwayo eIndiya ukuba ingeniso yabo ingaphezulu komlinganiselo osisiseko wokungahlawulwa (32,5 lakh kubantu abangaphantsi kweminyaka engama-60 kwiFY 2023-24). Nokuba ingeniso ingaphantsi komda, i-screen ingafuneka ukubiza i-TDS edefisiweyo, ukuthwala ilahleko yekomkhulu, okanye ukuchaza izinto zangaphandle ukuba i-NRI iba ngummi kamva.

Umhla ofanelekileyo wokulayisha ifashoni ungoJulayi 31 wonyaka wohlolo (umz., weFY 2023-24, umhla ofanelekileyo nguJulayi 31, 2024). Noko ke, ukuba i-NRI inezinto ezibambelwe ngaphandle kwe-Indiya okanye inophicotho-zincwadi olufuna uphicotho-zincwadi, ixesha lokusebenza linganyuselwa kuOktobha 31 okanye kuNovemba 30, njengoko liyimfuneko.

Iincopho ezibalulekileyo ze RI yokubuyisa islayida se-NRI:

  • Ukusebenzisa i-ITR-2 okanye i-ITR-3 (ukuxhomekeka kwimithombo yengeniso) – i-ITR-1 ayisetyenziswanga yi-NRI.
  • Qhoboshela iShedyuli Fa (Izicwangciso Zokwexuba) ukuba ugcina nawuphi na umdla wemali kwizinto ezingaphandle kwe-Indiya, nokuba akukho mvuzo uvela kuzo. Ukungangeni fomu kungakhokelela kwisohlwayo sokufikelela ku-7610 lakh.
  • Intengo yokungahlawulwa kweTDS yahliswa ngokwexabiso eliphezulu ngokubonisa iimfanelo zerhafu zokwenene.
  • Ingxelo yengeniso evela kumdla we-akhawunti ye-RO, ingeniso yerente, njalo njalo, emva kokuhlawuliswa
  • Ukuba une-PAN, kufuneka idityaniswe ne-Aadhaar yokufaka (ukuba iyasetyenziswa). I-NRIs ikhululekile ekudibaniseni i-Aadhaar ukuba ayingobemi baseIndiya.

Ukubuyisa i-intanethi kunyanzelekile kubo bonke abaqeshi berhafu, kuquka ne-NRIs. I-e-filifilital (irhafu engenisa imali.gov.in) ivumela ukuthobela ukubuya ngotyikityo lwamanani. I-NRIs ingasayina ngekhowudi ye-elektroniki yoqinisekiso (EVC) ukuba bane-akhawunti yebhanki yase-Indiya ebhalisiweyo ne-portal.

Uqwalaselo Olubalulekileyo nohlaziyo lwakutshanje

Nazi ezinye iinkalo ze-NRI kufuneka zikhumbule:

  • 'isix kwizipho-Nasiphi na isixa semali okanye impahla efunyenweyo ngaphandle kokuqwalaselwa ngaphezulu 760,000 ebudeni bonyaka wemali ihlawulelwa phantsi kwe-“Infeavess", ngaphandle kokuba ifunyenwe kwizalamane ezichaziweyo (imposo, abantwana basekhaya, i-oventistents/i-empeaders, etc.).
  • [[NKT: 0] Inzuzo yecapital ekuthengisweni kwempahla esebenzayo – ukuba uthengisa okhokho bakho okanye indlu esele ikhefiwe eIndiya, ungacela ukukhulula phantsi kwecandelo 54/54F ngokufaka imali efunyenweyo kwenye indlu ehlala kuyo eIndiya okanye kwiCapital Gains Bones (Inani le-EC) kwiinyanga ezintandathu nje ezintandathu.
  • [[NT.0] Ukutshintsha kwentengiso – UMthetho weMali 2022 ithengise irhafu engama-30% kwingeniso efumaneka ngokusuka ekudluliseni izinto zexabiso lemveli (kuquka ii-cypocureni kunye ne-NFTs) kunye ne-1% yeTDS ehlawulelwe ngaphezu ko-760,000. I-NRIS ethengisa kwinkcitho yase-Indiya mayivumelane nala malungiselelo, nangona i-DTAA inganika uncedo ukuba ingeniso ithengwa kwenye indawo.
  • Iinguqu ezingamashumi amabini anesine --Njengendlela yakutshanje yoHlawulo lwe-NULT (July 2024), bekungekho tshintsho lukhulu luchaphazeleka ngqo kwi NRIs, kodwa ulawulo lwerhafu kulawulo olutsha olumelene noludala luyaqhubeka: i-NRIs ingakhetha ulawulo olutsha (amaqondo asezantsi kodwa angenazincopho) ukuba abanayo ingeniso ethile yeshishini. Ulawulo olutsha lunika umlinganiselo ophezulu wokukhulula i-293 lakh kodwa lususa uninzi lwezihlawulo.
  • ityala kunye netyala - Ukungafumani zihlaziyo, ukusilela ukuxela izinto zasemzini, okanye ukuhlawulwa kwerhafu kungaphumela kwizohlwayo ezimalunga nama-200% zerhafu ebhafu ebhatyiweyo, ukutshutshiswa iminyaka esixhenxe, nemiqathango ye-visa. Kucetyiswa ukugcina iingxelo ezipheleleyo nokuqhagamshelana nogcisa-nkcithane ngerhafu.

Amacebiso Asebenzisekayo Kwiingxaki Zokucwangcisa

Ukucutha umthwalo wakho werhafu ngoxa uhlala uthobela, cinga ngezi ndlela zilandelayo:

  • Xa utyelele eIndiya ngobulumko ukuze uphephe umgama ongaphaya komjikelo weentsuku ezili - 182, ingakumbi ukuba uceba ukusebenza kude neIndiya kangangexesha elide.
  • Ukugcina ii-akhawunti ze-NRE ne-RO zokwahlula ingeniso yangaphandle (engenarhafu) kwingeniso efunyenweyo yamaIndiya (enokuhlawulwa).
  • Ingeniso kwizixhobo ezivunyiweyo ezinjengeELS, PPF, neNPS ukuchaza icandelo 80C, kodwa qinisekisa ukuba unoxwebhu olufanelekileyo.
  • Ukuba ninemali edityanisiweyo yamaIndiya okanye ninesabelo, khumbula ixesha lokufumana intlawulo kwimali yekomkhulu yexesha elide (iinyanga ezingama-24 zeminye imithombo yemali, iinyanga ezili-12 zoluhlu lwemibutho).
  • Imali yakho yerhafu eyifashoni nokuba ingeniso yakho ingaphantsi komlinganiselo wokungahlawulwa, ingakumbi ukuba iTDS ikhutshiwe okanye unelungelo lokuhlawula i-frend.
  • Hlala uhlaziyiwe ngokweendlela ohlawula ngazo irhafu; isebe lerhafu elifumana ingeniso lingaphinda livule uhlolo oluya kutsho kwiminyaka eli-16 kwimpahla zasemzini ezingachazwanga.

Ekugqibeleni, ukusetyenziswa kwemithetho yerhafu ye-NRIs ehlala eIndiya kufuna indlela esebenzayo yokuziphakamisa kunye nokuqonda imithetho yasekhaya kunye nezivumelwano zezizwe ngezizwe. Urhulumente wase-Indiya unika ubuncwane kwii-portas zawo ezisemthethweni, kwaye ungabhekisela kwi-webhsayithi yerhafu ye-Invocation yeSebe yerhafu [ ukwenzela iiseji naziphiwo ezikhoyo. Ngaphezu koko, ukubuza umqeshi wabaphathi-mali ofanelekileyo onobuchule kwi-NRI yerhafu kungakunceda ukuyila ucwangciso lwakho kwiimeko zakho ezithile.

Ngokuqonda iimbopheleleko zakho nokusebenzisa intlawulo neenzuzo zesivumelwano, unokuqinisekisa ukuba uyayithobela irhafu ngoxa ulungisa imicimbi yakho yemali ngexesha lokuhlala kwakho eIndiya.