Form 26AS: Your Receipt for Every Rupee India Took

Think of Form 26AS as a ledger. Every time someone deducts tax from your income in India — your bank on FD interest, your AMC on mutual fund gains, your tenant on rent, a buyer on property sale — it shows up here.

Each entry tells you: who deducted it (the deductor's name and TAN), how much income was credited, how much TDS was deducted, when it was deposited with the government, and under which section.

For NRIs claiming DTAA, this document is gold. It's the evidence of how much you've been overcharged.

Two ways:

1. Income Tax Portal: Log into incometax.gov.in → My Account → View Form 26AS → Select the year → Download as PDF

2. TRACES: Go to tdscpc.gov.in → Register/Login as taxpayer → View 26AS → Download

Both give you the same data. The income tax portal is usually easier for most people.

Once you have the PDF, you can upload it on TrustNRI. We'll scan it instantly, match every TDS entry against your country's DTAA rates, and show you exactly how much you've been overpaying.

Part A — TDS from salary and other income: This is where you'll find bank interest TDS, dividend TDS, and other withholdings. Look for entries where the tax rate is 30% or 20% — those are the ones likely deducted at default NRI rates instead of treaty rates.

Part A1 — TDS on sale of property: If you sold property, the buyer's TDS deposit shows here.

Part A2 — TDS on sale of mutual funds: AMC-deducted TDS on your redemptions.

For each entry, note the deductor name, section code, and rate. Compare the rate with your DTAA treaty rate. If the deducted rate is higher than the treaty rate — that's your refund waiting to happen.

Or just upload the PDF and let us do the math.