AmaNdiya (amaNRI) angenaluzwela ahlala eNdiya abhekene nemithetho ehlukile yentela ehluke kakhulu kuleyo esetshenziswa izakhamuzi. Kungakhathaliseki ukuthi ubuye okwesikhashana ngenxa yomsebenzi, ibhizinisi, noma izizathu zomkhaya, ukuqonda lezimiso kubalulekile ukuze ugcine ukuthobela nokuthuthukisa isimo sakho sezimali. Lesiqondiso esibanzi sihlanganisa imithetho eyisihluthulelo yentela i-NRIs edinga ukwazi ngesikhathi siphila eNdiya, kuhlanganise nokuzimisela ukuhlala, iholo elikhokhelwa intela, izivumelwano zentela ezikhona, izivumelwano zezizwe ngezizwe zonke, nemikhuba ephumelelayo.

Ubani Ocatshangelwa Njengomncintiswano?

Igama elithi “Non-Resident Indian” lichazwa ngaphansi kwe-Indiyani of Meyating Tax Act esekelwe ekubeni khona ngokomzimba kunokuba sibe khona noma ubuzwe. Umuntu uphathwa njenge-NRI ngonyaka onikeziwe wemali (April 1 kuya ku-March 31) uma esuthisa noma yiziphi zezimo ezilandelayo:

  • Hlala eNdiya izinsuku ezingaphansi kuka-182 phakathi nonyaka wemali, umpondo
  • Hlala eNdiya izinsuku ezingaphansi kwezingu-60 phakathi nonyaka wemali futhi belokhu bengaphandle kweNdiya izinsuku ezingu-35 nangaphezulu eminyakeni emine eyandulelayo.

Isifo sesibili yi-NRI ukuphumula kwabaya njalo eNdiya. Nokho, uma isakhamuzi saseNdiya siqashwe kwelinye izwe noma siyilungu lezisebenzi zomkhumbi, umnyango ophansi wezinsuku ezingu-60 uthathelwa indawo izinsuku ezingu-182, okusho ukuthi kumelwe ukuba khona eNdiya izinsuku ezingaphansi kuka-182 ukuze kugcinwe i-NRI. Kubalulekile ukuqaphela ukuthi umuntu angaba yi-NRI ngonyaka owodwa futhi abe isakhamuzi esilandelayo, kuye ngokuthi ukhona izinsuku ezingu-182.

Ukulwela Intela Nethonya Layo

Icala lentela eNdiya lixhomeke esimweni sakho sokuhlala. UMthetho weTaxisi ohlawulwayo uhlukanisa abantu ngezigaba ezintathu:

  • Rasident ne-Ordinarian Resident [[FT:1] - Umuntu ohlangabezana nezimo eziyisisekelo zokuhlala futhi obehlala eNdiya okungenani iminyaka emibili kweyishumi edlule noma ochithe izinsuku ezingu-730 eNdiya eminyakeni engu-7 edlule.
  • I-Resident kodwa Cha, i-RNT (RNOR) - Umuntu ofaneleka njengezakhamuzi kodwa ongahlali eNdiya izinsuku ezingu - 730 eminyakeni engu-7 edlule noma oneminyaka engu-9 kwengu-9 kweyishumi edlule.
  • [[UMTH:0] Non-Resident [NR] – Umuntu ongahlangabezi izimo zokuba umhlali.

I-NRIS eningi iwela ohlwini lwesithathu. Njengomkhonzi ongeyena ummeli waseNdiya, ukhokhiswa intela kuphela emalini eyiyo noma ivela eNdiya noma iholo elibhekwa njengelisungulwa noma elivelayo eNdiya. Iholo elikhokhwayo elithathwayo noma elamukelwa ngaphandle kwe-Indiya alikhokhi, ngisho noma uyisakhamuzi saseNdiya. Nokho, uma uhlala eNdiya ungaphezu kwemikhawulo, isikhundla sakho singashintshela eRNOR noma eR, ulethelise inzuzo yakho yembulunga yonke ngaphansi kwembuso yentela yase-India.

Ukubala Izinsuku – Izinkambo Zohambo Ezivamile

Ukulandelela ngokucophelela izinsuku zokuba khona ngokomzimba kubalulekile. Ngokwesibonelo, uma i-NRI ithatha izinsuku ezingu-60 noma ngaphezulu ihlala ekhaya, bazifaka engozini yokuba isakhamuzi uma besusela futhi i-356 yezinsuku zaphesheya eminyakeni emine edlule. Abaningi bacabanga ukuthi iholide elifushane alithinteki ekuhlaleni. Empeleni, ukubala usuku kuhlanganisa izinsuku zokuhamba nanoma yiluphi usuku oluyingxenye yokuba khona (izinsuku ezithatha isikhathi esingu-355) kubalwa njengezinsuku eziphelele eNdiya.

Kubantu baseNRI abakhokhelwayo abangamalungu omkhumbi wamaNdiya, amalungiselelo akhethekile ayasebenza: inkathi yohambo ibhekwa njengesikhathi esichithwa ngaphandle kwaseNdiya ngenjongo yokuhlolwa kwansuku ezingu - 182, uma lomkhumbi ubhaliswa ngaphandle kwaseNdiya noma iholo elitholakalayo litholakala ekusebenzeni emkhunjini wakwamanye amazwe.

Imali Ekhokhelwa Intela ENdiya

Njenge - NRI, iholo lakho elikhokhelwa intela eNdiya lihlanganisa lezi zigaba ezibanzi ezilandelayo:

  • Ivela embonini yendlu - Iholo le-RTL lisuka embonini eseNdiya, ngemva kwentethelelo evumelekile (inani elingu-30% elivamile kanye nenzalo emalini yokubolekisa ngezindlu).
  • Inzuzo yebhizinisi noma umsebenzi - Ibhizinisi eliqhubekelwa eNdiya, kuhlanganise nehhovisi legatsha noma ihhovisi lokuxhumana, ngisho noma ungaphandle kweNdiya ngokomzimba.
  • [ Inzuzo ye-capital[ -Inzuzo noma inzuzo etholakala ngokuthuthwa kwanoma yimuphi umcebo wenhloko- dolobha osendiya, njengendawo, ukuhlanganyela kwenkampani yamaNdiya, noma izimali zokwabelana.
  • Iholo lokwethula [ - Imali yezinkonzo ezinikezelwa eNdiya, ngisho noma ikhokhelwa kwelinye izwe. Qaphela: Imali efunyaniswe kumqashi wangaphandle komqashi womsebenzi owenziwa ngaphandle kwaseNdiya ayikhokhelwa eNdiya.
  • [ Iholo elingenisa kakhulu - Inzalo etholakale kuma-akhawunti ebhange lase-India (ngaphandle kwe-OR) kanye nemali yokulahla ekhishwe izinkampani zamaNdiya.
  • Izindawo zobukhosi nezikhulu - Izigaba ezivela ezinkampanini zamaNdiya zikhokhelwa ngesilinganiso esiyisicaba samashumi amabili% (unyuko ne-ces) uma zidlula emnyango. Izikhulu zasebukhosini ezivela emithonjeni yamaNdiya nazo ziyakhokhwa intela.
  • Ivela kweminye imithombo [ - ihlanganisa ukuwina imidlalo yokubheja, ukubheja, imijaho, kanye nezipho ezidlula u-650 000 ngonyaka.

Imali etholakala ngaphandle kwaseNdiya ayikhokhelwa i - NRI ngaphandle kokuba itholakala eNdiya. Nokho, kudingeka ukuhlela ngokucophelela uma i - NRI ishintsha isimo sokuhlala phakathi nonyaka.

Ukukhokhiswa kwama-akhawunti e-Bank (NRE/NRO/FCNR)

Indawo eyinhloko yokudideka kwama-NRI amaningi ukukhokha intela ebhange lawo laseNdiya.

  • I-akhawunti ye-Non-Resident (NUR) : Inzuzo etholakale kule-repee-demone akhawunti ayikho intela eNdiya. Isilinganiso asikho ebhacelekayo. Nokho, uma umnikazi we-akhawunti kamuva eba isakhamuzi, i-akhawunti kumelwe iguqulelwe e-Rosert Enication (RFC), futhi inzalo yesikhathi esizayo iba yintela.
  • I-akhawunti yeNon-Resident Oqhelekileyo (NRO) : Ama-depotit angenziwa kuma-rupee noma imali yangaphandle (ashintshelwe kuma-rupee). Izanelise ezitholakala kuma-akhawunti e-NRO zikhokhelwa amazinga asebenzayo, futhi i-TDS incitshiswe ku-30% (ukwehlisa i-asethi kanye ne-ces). I-oparitive ilinganiselwe ku-USD eyizigidi eziyisigidi ngonyaka, ifanele ukukhokha intela kwezinye izimo.
  • Imali Engangeni-Resident (FNR-B) Akhawunti: Lendaba igcinwa ngemali yangaphandle futhi inzala ikhululiwe entelani yeholo yamaNdiya uma nje umgcini wemali ehlala eyi-NRI. Ukuhoxa ngaphambi kwesikhathi noma ukushintsha kwesimo sokuhlala kungabangela ukukhokhiswa kwentela.

Uma ubuyela eNdiya ngesisekelo eside, kumelwe uvale le zindaba ze-NRI phakathi nenkathi enengqondo (izinyanga ezintathu kuya kweziyisithupha) noma uziguqulele kuma-akhawunti akhona. Ukwehluleka ukwenza kanjalo kungaholela ekujeziseni nasebunzimeni bentela.

Izinga Lentela, Ukukhokha Intela, NoCes

Izinga lentela elisetshenziswa kuma-NRI ezingxenyeni eziningi zemali edonswayo liyafana nalelo elitholwa abantu abahlala khona. Nokho, kunamalungiselelo akhethekile ezinhlobo ezithile zeholo:

  • Ukuthola embonini yendlu, ibhizinisi/ibhizinisi, umholo, neminye imithombo - - Intela esetshenziswayo kubantu abahlala khona (umz., 5%, 20%, 30% njengebhuloho ngalinye).
  • Inzuzo ye-Capital - Inzuzo yeqophelo elifushane (inkathi engaphansi kwezinyanga ezingu-24 yempahla eningi) yenezelwa emalini eholwayo futhi ikhokhwa ngamazinga amatshe. Imali ebhanana yesikhathi eside idlula i-61 lakh kuhlu lwe-equarch ikhokhwa nge-10% ngaphandle kokulinganisa; ezinye izinto zikhokhwa nge-20% nge-index.
  • Ingaphakathi kuma-akhawunti we-NRO - TDS ku-30% (uphawu olufanele i-surlation ne 4% cess) – akukho -TDS ephansi evunyelwe ngaphandle uma amafayela e-NRI Enza 15G/15H (kodwa la manani awafaneleki nge-NRIS).
  • I-Dividends - Iholo elohlukanisayo ngaphezulu kuka-765 000 ngonyaka lingaphansi kwe-TDS e-20% (unyuko ne-cesses). Inkampani ikhokhela i-DDT (intela yokwabiwa kwecala le-dividend) kuphela kuze kube u-FY 2019-20; manje imiklomelo ikhokhelwa umnikeli.
  • [[[INTLA:0] Inkokhelo ehloniphekile nezobuchwepheshe - Intela egunyazwe ngaphansi koMthetho weTagisi noma esebenzayo ekunqabeni intengo ephindwe kabili (DTAA), noma inzuzo engcono kakhulu.

I-NRIS ayifaneleki ukuba isilinganiso esiyisisekelo sokungangeni iholo uma inzuzo yabo kuphela ivela emalini ekhokhelwayo noma enye iholo ixhomeke emazingeni akhethekile; kumelwe ithengise intela ngokufanele. I-surebration iyasebenza uma ingqikithi yeholo ingaphezu kuka-7650 lakh (10% i-“igrafu yemali eholwayo phakathi kuka-7650 lakh no-61 crore, 15% nge-61 crore, 25% nge-62 crore, kanti 37% ngaphezu kuka-65 crrea). Impilo nemfundo ku-4% yene% yenezelwa entethelelweni yonke.

Izinqubo Ezitholakalayo

I-NRI inelungelo lokuthola izithena ezimbalwa ngaphansi kweSahluko VI-A soMthetho weMali yeTaxi, uma iholo likhokhelwa eNdiya. Izikweli eziyinhloko zihlanganisa:

  • Ukuhlanganisa 80C: Ngezinga elingu 761.5 lakh ekufakeni imali ye-PPF, ELS, imali yomshuwalense wokuphila, ukukhokha okuyinhloko kwemali ebolekwayo yendlu, izindleko zezingane, njll. Qaphela: Izimali ezenziwe kwamanye amazwe zingase zingafaneleki ngaphandle kokuba ziseziculweni zamaNdiya ezaziwayo.
  • Ukuhlanganisa 80D: Ukukhokhela imishuwalense yezokwelapha ikhokhelwa yena nomkhaya (kusukela ku-7625 000; 765 000 kwizakhamuzi ezikhulile).
  • Ukukhetha 80E: Inzalo yemfundo yemali ebolekiwe yezifundo eziphakeme – ingekho isilinganiso esiphakeme, esebenzayo iminyaka engu-8.
  • Ukuhlela 80G: Iminikelo ezinhlanganweni ezithile ezinikela ngesihlengo – ifanele ukuhlawuliswa isilinganiso esingu 50% noma 100% noma isilinganiso esingafanelekile.
  • Ukukhetha 80TTA: Isithakazelo esisuka kwi-akhawunti yokulondoloza imali (kusukela ku-610 000) sincishisiwe, kodwa kubantu abahlala khona kuphela – i-NRIs abakwazi ukuthengela le-chezu.
  • Ukuboleka [: Iholo lokuqasha, ukuncishiswa okuvamile kwenani lemali yenetha elingu-30% ngonyaka kuvunyelwe. Isithakazelo emalini ebolekwa ekhaya yempahla ezisebenzela yona sincishiselwa ku-762 lakh (ziwumthetho wezimo).

I-NRI kumele iqinisekise ukuthi imali eshintshwa ngayo ithengwa eNdiya futhi ihlangabezane nezimo ezicaciswe. Ezinye izincopho (njengengxenye 80C ye-PPF) zidinga i-NRI ukuba igcine i-akhawunti ehhovisi leposi lase-India noma ebhange.

Izivumelwano Zentela Ezimbaxa - mbili (DTA E - E)

I-India ingene emfucumfucu njengasemazweni angaphezu kuka-90. Le zivumelwano zivimbela iholo elifanayo ukuba likhokhelwe kabili - kanye eNdiya futhi futhi ezweni lokuhlala. Iminikelo yeDTAA inganciphisa izinga lentela ezinhlotsheni ezithile zemali edonswayo njengenzalo, inzuzo, izikhulu, nenzuzo yezimali, noma ikwehlisela intela ekhokhwa ngentela ekhokhwa kwelinye izwe.

Ukuze i-DTAA ithole izinzuzo, i-NRI kumelwe ibe neSitifiketi seTrust Residency (TRC) esisemthethweni ezweni lokuhlala, kanye ne-Form 10F (indawo esemthethweni) uma idingeka. i-DTAA ingachaza futhi umthetho wokwaphula i-stater-team yokuhlala ukuze kunqume ukuthi yiliphi izwe elinamalungelo ayinhloko okukhokhwayo. Ngokwesibonelo, ngaphansi kwe-Indiya-USA DTAA, inzuzo enkulu ekuthengisweni kwendawo yangempela ye-Indiya ingakhokhwa intela eNdiya kuphela, kodwa i-US ingavumela intela yangaphandle. Ngokuphikisana nalokho, inzala ye-NRE ingakhululwa eNdiya kodwa intela esemthethweni eUS; i-NRI kumelwe ibike futhi ikhothe intela engaphandle kwe-US.

IZEluleko zochwepheshe zituswa ukuba zigweme ukukhokha intela embaxa - mbili futhi zivumelane nezimfuneko zokuthola lokho okufunwa yiwo womabili amagunya.

I - TDS (i - téx Deducred eMthonjeni) ye - NRIs

ITDS isebenza ekukhokheleni okuningi okwenziwa ama-NRI emithonjeni yamaNdiya. Izinga nezitebhisi zezindawo ziyahluka kulezo zezakhamuzi:

  • [[Umthetho:0] Inqaba [ - I-TDS ngaphansi kwengxenye 192 emazingeni asebenzayo etshe elishosholo.
  • I-intertive ku-NRO - TDS ngaphansi kwengxenye 194N nge-30% (unyulo/unyaka) uma inzalo idlula i-7650 000 ngonyaka ongokwezimali ezakhamuzini ezikhulile? Empeleni, ngoba i-NRIS, i-TDS ingu-30% kungakhathaliseki ukuthi iyinani; akukho sithakazelo se-NRO. Nokho, uma i-NRI ine-SAN ingu-30%; ngaphandle kwe-65, 20%, kanti ingaphathwa njengengenaphutha).
  • - ITDS ngaphansi kwengxenye 194I ku-10% (ukwakha) noma 2% (ngesitshalo/isakhiwo) – kodwa uma i-NRI inganikezi PAN, TDS ngo-20%.
  • Inzuzo yempahla - Ukuthenga kumele kususwe iTDS ngaphansi kwesigaba se-194IA nge-1% uma inani lempahla lidlula 7650 lakh. Uma umthengisi eyiNRI, iTDS ineminyaka engu-20% ezingeni eliphansi (unyuswano olude lwezikhawu) futhi ngesilinganiso esisebenzayo senzuzo emizuzwaneni emifushane. Nokho, umthengi angathola isitifiketi seTDS ngaphansi kwesigaba se-Asses 197.
  • Imali yemisebenzi yezobuchwepheshe kanye nenkokhelo yemisebenzi yezobuchwepheshe - DDS ku 10% ngaphansi kwengxenye 194J yezakhamuzi; ngoba i-NRIS, amazinga ngaphansi kwengxenye 195 angasetshenziswa (30% noma ngaphansi kwe DTAA).

I-NRIS ingafaka isitifiketi esiphansi noma esine-nil TDS (Form 13) uma ineholo eliphansi eNdiya, kodwa lokhu kudinga ukuhlela ukubuya nobufakazi bentela kwamanye amazwe. Okunye, bangathatha i-TDS encitshisiwe ngokufaka intela ebuya eNdiya.

Ukukhangisa Ngentela Kubuya Njenge - NRI

I-NRI iyadingeka ukuze ikhokhe intela ekhokhayo eNdiya uma ingqikithi yeholo yabo idlula isilinganiso esiyisisekelo sokungahlawuli (32,5 lakh kubantu abangaphansi kweminyaka engu-60 ku-FY 2023-24). Ngisho noma iholo lingaphansi kwesilinganiso, kungadingeka ukuba i-frestle ye-TDS edendelwe, ukuqhubekela phambili ukulahlekelwa kwenkokhelo yemali, noma ukubika impahla yakwamanye amazwe uma i-NRI iba isakhamuzi kamuva.

Usuku olufanele lokuhlela lungoJuly 31 wonyaka wokuhlola (umzk., we-FY 2023-24, usuku olufanele u-July 31, 2024). Nokho, uma i-NRI inempahla engaphandle kwe-Indiya noma inebhizinisi elidinga ukubhaliswa, isikhathi singanwetshwa ku-October 31 noma November 30, uma sisebenza.

Amaphuzu abalulekile encwadi yokubuya ye-NRI:

  • Sebenzisa i-ITR-2 noma ITR-3 (ukuncika emithombo yeholo) – ITR-1 akuyona eye-NRIs.
  • Qopha iShedyuli Fa (Izi-asethi zangaphandle) uma unesithakazelo sezimali emabuthweni angaphandle kwe-Indiya, ngisho noma ingekho iholo elivela kuwo. Ukungangeni kwe-disclom kungaholela ekujezisweni kwe-7610 lakh.
  • Ukusho ukuthi ama - TD akhishwa ngamazinga aphakeme ngokubonisa intela yangempela.
  • Umbiko wemali oyithola emalini ye - RO, iholo lokuqasha, njll., ngemva kwemali evunyelwe.
  • Uma une-PAN, kumelwe ihlanganiswe ne-Aadhaar yokufaka (uma ikhona). I-NRIS ayixhunyiwe ekuxhumaneni ne-Aadhaar uma ingeyena isakhamuzi saseNdiya.

Ukubuyisa i-inthanethi kuyisibopho kubo bonke abakhokhi bentela, kuhlanganise ne-NRIs. I-e-filical parmal (in cometage catask.gov.in) ivumela ukuhoxa ngokubuya ngophawu lwe-minumbe. I-NRIs ingasayina nge-electronic code (EVC) uma ine-akhawunti yebhange lamaNdiya ebhaliwe ne-partum.

Ukucatshangelwa Okubalulekile Nokuvuselelwa Kwamuva

Nazi ezinye izici okumelwe zikhumbule ama - NIRI:

  • i-Tax eziphweni - Imali noma impahla ethathwe ngaphandle kokucatshangelwa idlula ngaphezulu 760,000 phakathi nonyaka wezimali ikhokhelwa ngaphansi kwesithi “Ukuthola kweminye imithombo”, ngaphandle kokuba itholelwe izihlobo ezikhethiwe (i-pouse, izingane zasekhaya, izinyusi/izikhuphu, njll.).
  • Inzuzo yemali ekuthengiseni impahla ematasa - Uma uthengisa okhokho bakho noma indlu encishisiwe eNdiya, ungacela ukukhululeka ngaphansi kwe-Foult 54/54F ngokufaka imali emalini kwenye indlu yokuhlala eNdiya noma eCapital Gains Bonds (Inani le-EC) phakathi nezinyanga eziyisithupha.
  • Ukufakwa kwentethelelo eyimfihlo – UMthetho weMali 2022] wasungula intela ewu 30% ngemali eholwayo ekudluliseni izinto ze-amanani (kuhlanganise ne-cypocurensies ne-NFTs) kanye no-1% TDS ekukhokheni imali ngaphezu kuka-760,000. I-NRIS ehwebelana ngezikhangiso zama-Endiya kumelwe ivumelane nala malungiselelo, nakuba i-DTAA inganikeza impumuzo uma intela ikhokhwa kwezinye izindawo.
  • Izinguquko ezingu 2024 - Njengendlela yamuva yoHlahlu lwemali (July 2024), zazingekho izinguquko ezinkulu ezithinta ngokuqondile i-NRIs, kodwa uhulumeni wentela wemibuso emidala emelene nobuso obusha uyaqhubeka: I-NRIs ingakhetha umbuso omusha (amazinga aphansi kodwa angenazigaba) uma bengenayo inzuzo ethile yebhizinisi. Umbuso omusha unikeza isilinganiso esiphakeme sokhululo 769kh kodwa ususa izigwebo eziningi.
  • intela kanye nokushumayeza - Ukungatholi zibuyeli, ukwehluleka ukubika impahla yangaphandle, noma ukukhokha intela kungaphumela ezijezisweni ezifinyelela ku 200% zentela ephunyulwe, ukuquliswa iminyaka engu-7, nemithetho yemvume. Kuyatuswa ukugcina amaphepha aphelele nokuthintana nochwepheshe wentela.

Amacebiso Awusizo Ezokuhlela Ama - RI

Ukuze unciphise umthwalo wakho wentela kuyilapho uhlala uvumelana nawo, cabangela lamacebo:

  • Ukuvakashela kwakho eNdiya ngokucophelela ukuze ugweme ukudlula kude ngo - 1822 ngosuku, ikakhulukazi uma uhlela ukusebenza kude neNdiya isikhathi eside.
  • Gcina ama-akhawunti ahlukene e-NRE ne-RO ukuze udlulisele imali yakwamanye amazwe (engenantela) eholweni elivela eNdiya (elikhokhelwayo).
  • Kutshalwe izimali ezigunyaziwe njenge - ELS, PPF ne - NPS ukuze kukhishwe isiqephu sama - 80C, kodwa kuqinisekiswe ukuthi unezincwadi ezifanele.
  • Uma nifaka imali emalini yamaNdiya noma nihlanganyela, khumbula isikhathi sokukhokha intela ngenkathi ende (izinyanga ezingu - 24 zempahla eningi, izinyanga ezingu - 12 zokuhlelwa kwezindawo).
  • Intela oyiholayo ngisho noma ingqikithi yeholo lakho ingaphansi kwesilinganiso sokungahoxi, ikakhulukazi uma i - TDS incishisiwe — ungase ube nelungelo lokuyithenga.
  • Hlala uvuselelwe ngokwezikhokhelo zakho zentela; umnyango wentela ohola imali ungaphinde uvule izinqumo ezifinyelela eminyakeni engu - 16 zempahla yakwamanye amazwe engashiwongo.

Ekugcineni, ukulandela imithetho yentela ye-NRIs ehlala eNdiya kudinga ukunaka nokuqaphela kokubili imithetho yasekhaya nezivumelwano zomhlaba wonke. Uhulumeni waseNdiya unikeza imithombo yempahla esemthethweni, futhi ungabhekisela futhi engosini ye-webhsayithi ye-Invocation Department [ ye-Intest yoMnyango Wentengiso] ukuze uthole iziyingi naziphiwo zamuva. Ngaphezu kwalokho, ukubuza ummeli wemali oqeshiwe wezemali onolwazi lwe-NRI ekhokhisini kungakusiza ukuba uhlelele izimo zakho ezithile.

Ngokuqonda izibopho zakho nezinzuzo zesivumelwano ezitholakalayo, ungaqinisekisa ukuthi uyayithobela intela kuyilapho uhlela izindaba zakho zezimali ngesikhathi uhlala eNdiya.