NRI Property HubNRI Capital Gains & Repatriation Calculator
You sold the flat for a good price, but the number that matters is what actually reaches your account abroad. This works out the capital gains tax, the effect of reinvesting under Section 54/54EC, and the net amount you can send home, in your own currency. Runs in your browser; nothing you type is sent anywhere.
NRI Capital Gains & Repatriation Calculator
What reaches you abroad · illustrativeIllustrative estimate, not tax advice. It applies the post-July-2024 NRI regime (12.5% long-term without indexation, plus surcharge and 4% cess) and uses a top-slab proxy for short-term gains. Rates change with each Finance Act and your total income affects the surcharge. Always confirm with a chartered accountant before acting.
From sale price to money in your account abroad
Three things stand between the price on the sale deed and the amount that lands in your overseas bank: the capital gains tax, whatever you choose to reinvest to reduce it, and the repatriation rules that govern moving rupees out of India. Most calculators stop at the tax. This one carries the number all the way through to what you can actually take home.
For a long-term sale (held more than 24 months) the tax is 12.5% on the gain without indexation, plus surcharge and 4% cess, roughly 13% to 14.95% depending on the value. As an NRI you do not get the resident's 20%-with-indexation alternative, which the capital gains guide explains in full. Sell within 24 months and the gain is short-term, added to your income at slab rates; this tool estimates that at the top 30% slab, so a lower slab means a smaller bill.
| Holding period | How the gain is taxed | Tax on a ₹50 lakh gain* |
|---|---|---|
| Over 24 months (long-term) | 12.5% plus surcharge and 4% cess, no indexation | ~₹6.5 to 7.2 lakh |
| Under 24 months (short-term) | Added to income, taxed at your slab rate | up to ~₹15.6 lakh |
*Illustrative, at a mid surcharge tier; a higher total income raises the surcharge. Verified July 2026. Waiting past the 24-month mark can roughly halve the tax, which is why most NRI sellers who can, do.
Why reinvesting cuts tax but not your freedom to leave it in India
Sections 54 and 54EC can shrink the taxable gain to nil, but only if the money is reinvested, into another Indian house, or into specified bonds locked for five years. That is a genuine tax saving, yet the reinvested rupees stay in India. The calculator treats that honestly: it subtracts both the tax and the reinvested amount, so the headline figure is what is truly free to repatriate, not a paper number that ignores where the money went.
| Exemption | Reinvest in | Time limit | Lock-in | Cap |
|---|---|---|---|---|
| Section 54 | Another residential house in India | Buy within 2 years, or build within 3 | 3 years (sell sooner and the gain revives) | Up to ₹10 crore of gain |
| Section 54EC | Specified bonds (NHAI, REC, PFC, IRFC) | Within 6 months of the sale | 5 years | ₹50 lakh per financial year |
Based on Sections 54 and 54EC of the Income Tax Act. Verified July 2026; confirm the current caps and eligible-bond list with a chartered accountant.
The last gate: getting the money out
Once the tax is settled, moving proceeds abroad runs through Form 15CA and a CA-certified Form 15CB, and is subject to the USD 1 million per financial year limit on an NRO account. If your net proceeds cross that line, the calculator warns you, and the repatriation guide covers how to stage the transfer. Tax, TDS and repatriation are one connected chain.
Worried about the cash locked up before your refund arrives? The TDS estimator shows the up-front deduction and how a Form 13 certificate shrinks it. If the property was inherited, the inherited-property guide explains how the original owner's cost and holding period feed into the gain above.
Quick answers
How is this different from the TDS estimator?
Do NRIs get the 20% with indexation option?
Why does reinvesting reduce my tax but also reduce what I can repatriate?
What is the USD 1 million repatriation limit?
Are these the exact figures for my sale?
How we researched this calculator
We write this calculator from primary sources first: the bodies that actually make, administer or enforce the rules described above, rather than second-hand summaries of them. Where this page states a rate, a threshold, a form number or a deadline, it is traced back to one of the following, and the full list below records which claim each source supports.
- Press Information Bureau, Ministry of Finance
- Income Tax Department, Government of India
- Reserve Bank of India
Rules in this area change, sometimes mid-year. We re-check tax and foreign-exchange pages after each Union Budget and Finance Act, and we date every page with the last review rather than the last deploy. Our editorial policy sets out the method in full, and our corrections policy explains how to tell us if something here has gone out of date.
Sources & references
- CBDT FAQs on the new capital gains tax regime (Budget 2024-25)Press Information Bureau, Ministry of FinanceThe 12.5%-without-indexation long-term rate and the 24-month holding period the calculator applies to the gain.
- Income Tax Department e-Filing portalIncome Tax Department, Government of IndiaThe return on which the gain is declared and the Sections 54 and 54EC reinvestment exemptions modelled here are claimed.
- Remittance of Assets (FAQs)Reserve Bank of IndiaThe USD 1 million per financial year ceiling on moving sale proceeds out of an NRO account, the last step in the net-to-you figure.
About this calculator
NRI Property Hub creates independent guides and decision tools for Indians living abroad who are researching property in India. We are not a broker, developer, bank or adviser, and we take no commission on any transaction.
Our research prioritises relevant official government, regulatory, tax, banking and RERA sources where applicable. This page is educational information, not legal, tax, investment or financial advice; for a decision that turns on your own circumstances, check the position with a qualified professional.
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