What is the default TDS rate on EPF/NPS for NRIs?

The default rate is 30%. This is what your bank or AMC deducts if you haven't claimed DTAA benefits. With DTAA, this can drop to 7.5-15% depending on your country.

How much can I save on EPF/NPS?

Typical savings range: One-time: ₹10,000 - ₹1,00,000. The exact amount depends on your country's DTAA rate and your investment size.

Income type guide

EPF/NPS Withdrawal TDS

Withdrawing EPF/NPS as an NRI triggers TDS. DTAA can potentially reduce the rate. Planning the withdrawal timing is crucial.

How it works

What happens to your epf/nps as an NRI

When NRIs withdraw EPF before 5 years of service, TDS is deducted at 30%. Even after 5 years, the taxable component faces TDS. NPS withdrawals also face TDS on the taxable portion.

30%

Default TDS rate

Varies

DTAA rate by country

EPF/NPS rates by country

What each country's treaty says

Sorted by savings potential. 30 countries with a DTAA benefit, 0 with the same rate.

UAE

Article 22 — resident country only

Default → DTAA

30%→0%

EPF/NPS Withdrawal TDS

What happens to your epf/nps as an NRI

What each country's treaty says

Overpaying on epf/nps?