India–Europe CA Homepage
Chartered Accountants in India for European clients

Living in Europe. Invested in India. We handle the India side.

Chartered Accountants in India for NRIs, Indian professionals and European businesses. Indian tax returns, property sales and TDS, Form 145 and 146 for moving money to Europe, treaty relief with your tax residency certificate, FEMA filings and Indian company setup, coordinated with your local tax adviser.

Scope and fee in writing Works with your local tax adviser Fully online
BerlinHyderabad
Capital gains computedFlat sale with a lower TDS certificate
Done
DEGermanyNLNetherlandsFRFranceIEIrelandBEBelgiumITItalyESSpainSESwedenDKDenmarkCHSwitzerlandATAustriaFIFinlandPTPortugalPLPolandLULuxembourgNONorway DEGermanyNLNetherlandsFRFranceIEIrelandBEBelgiumITItalyESSpainSESwedenDKDenmarkCHSwitzerlandATAustriaFIFinlandPTPortugalPLPolandLULuxembourgNONorway
Services

Everything you need done in India, from anywhere in Europe.

Seven areas cover almost every India–Europe situation we see. Each links to a detailed page on what's involved and the documents we'll ask for.

We work alongside your local adviser, whoever they are
SteuerberaterExpert-comptableBelastingadviseurCommercialistaAsesor fiscalTax adviser
Discuss your case
01

Indian tax returns for NRIs in Europe

We confirm your residential status, file your Indian return, apply treaty rates using the tax residency certificate from your local tax office and claim back excess TDS on interest and rent.

ITRRefundsResidential status
Residential status: NRIReturn e-filedRefund processing
02

Selling property or investments in India

A buyer deducts tax on the full price when an NRI sells. We work out the real gain, get a lower deduction certificate before the sale and claim any refund afterwards.

Capital gainsLower TDS
TDS without a certificate
TDS with a lower deduction certificate
03

Moving money to your European bank

Forms 145 and 146 replaced Forms 15CA and 15CB from 1 April 2026. We issue the Form 146 certificate and help you file Form 145 so the bank can send funds to your IBAN.

Form 145Form 146Repatriation
NROIndia146CA cert€IBAN
04

European companies setting up in India

We form the Indian entity, report the investment to the RBI, then run GST, payroll, TDS, audit and ROC filings every year.

FDISubsidiaryLiaison office
European parent
SubsidiaryBranchLiaison
05

Treaty relief between India and Europe

Treaty rates on Indian income, Form 41 filed online with your tax residency certificate, and the figures your local adviser needs to claim relief at home.

DTAAForm 41TRC
Taxed first inIndia
Relief given atHome
Your country's treaty with IndiaRelief
06

Offshore accounting for European businesses

Our team keeps your books in Xero, QuickBooks or Sage, with reconciled accounts, management reports and VAT records ready for your local accountant.

BookkeepingVAT recordsMonth-end
Bank feed reconciledDone
Supplier invoices postedDone
VAT records checkedToday
07

Indian businesses expanding into Europe

Overseas investment (ODI) filings, the Annual Performance Report due by 31 December, treaty withholding on royalties and fees, and India–Europe transfer pricing.

ODIAPRTransfer pricing
GmbHB.V.SASS.r.l.S.L.Ltd (IE)
Who we help

Pick your situation. See what we handle.

People and businesses with ties to both India and Europe. We do the Indian tax, accounting and regulatory work and keep it consistent with what you report at home.

Typical situations

Situations we sort out for clients in Europe.

Yours may look different, but the approach is the same: understand the Indian position, file correctly, and give your local adviser clean figures.

BerlinHyderabad
DEBerlin

An EU Blue Card engineer selling a flat in Hyderabad

The buyer plans to deduct TDS on the full sale price, and the money needs to reach a German account.

  1. Capital gains worked out before the sale
  2. Lower TDS certificate applied for in advance
  3. Form 146 issued for the bank
  4. Workings sent to the Steuerberater
AmsterdamKochi
NLAmsterdam

Inherited a parent's house and deposits in Kochi

The property and bank deposits need transferring, with a sell-or-rent decision ahead.

  1. Transmission paperwork for the property
  2. Original cost carried over for capital gains
  3. NRO income and TDS reviewed
  4. Plan for selling or renting from the Netherlands
MunichPune
DEMunich

A German engineering firm opening a Pune subsidiary

The GmbH wants an Indian team without breaking Indian company, tax or employment rules.

  1. Subsidiary or contractor model compared
  2. Incorporation and FDI reporting to the RBI
  3. Payroll, PF, TDS and GST set up
  4. Transfer pricing between parent and India
DublinChennai
IEDublin

High TDS deducted on NRO fixed deposits

The bank deducted tax at the full non-resident rate on interest every quarter.

  1. Irish tax residency certificate obtained
  2. Form 41 filed online for the treaty rate
  3. Indian return filed to claim the excess back
  4. Interest figures prepared for the Irish return
ParisDelhi
FRParis

An Indian income tax notice arrived by email

A notice about an old return came in with a short deadline to reply.

  1. Notice read and explained in plain English
  2. Records gathered from the bank and tax portal
  3. Reply drafted and filed online
  4. Follow-up handled until the case closes
MilanTiruppur
ITMilan

An Indian textile exporter opening an Italian company

The family business wants a sales company in Italy to serve European buyers directly.

  1. ODI route and investment limits checked
  2. Overseas investment reported in India
  3. Annual Performance Report filed by 31 December
  4. Pricing between India and Italy documented
StockholmBengaluru
SEStockholm

Moving back to Bengaluru after ten years in Sweden

The family wants to move savings, a pension and investments without surprises.

  1. RNOR status planned for the first years back
  2. NRE and FCNR accounts converted on time
  3. Swedish pension and fund income reviewed for India
  4. Final Swedish tax year coordinated with the adviser
Two different tax years

Most of Europe counts January to December. India counts April to March.

One Indian tax year touches two European tax years. Indian tax year 2026-27 runs from 1 April 2026 to 31 March 2027, so its last three months belong to your 2027 return at home.

Swipe to see all months
European tax year 2026 European tax year 2027 Indian tax year 2025-26 Indian tax year 2026-27 Years don't match
We split Indian figures by calendar year. Indian bank certificates and the tax portal report April to March. Your European return needs January to December, so we re-cut interest, rent, gains and TDS month by month.
Timing a sale matters. Selling Indian property in February or March puts the gain in the old Indian year but the new European year. We plan the date with both returns in mind.
GermanyDE
31 July

Return for the previous year if you file it yourself. Later when a Steuerberater files for you.

NetherlandsNL
1 May

Return for the previous year. An extension can be requested online.

FranceFR
May – June

The online deadline for the déclaration de revenus depends on your département.

IrelandIE
31 October

Form 11 pay and file. Extended to mid-November when you file and pay through ROS.

SpainES
30 June

The filing window for the previous year usually opens in early April.

SwedenSE
Early May

The return for the previous calendar year is due at the start of May.

IndiaTax year 1 April – 31 March
15 Jun · Sep · Dec · MarAdvance tax instalments where tax is due
31 JulyIncome tax return for most NRIs without a tax audit
31 DecemberAnnual Performance Report for overseas investments

Standard dates for individuals. Countries move dates for weekends, holidays and extensions, and Switzerland and other countries set dates by canton or region, so your local adviser confirms yours.

Automatic exchange of information

Your Indian accounts are already reported to Europe.

Under the Common Reporting Standard, Indian banks and fund houses report accounts held by residents of European countries. India passes that information to your home tax office every year, so the Indian figures on your return need to match.

Shared every year

Balances, interest, dividends and sale proceeds travel automatically between tax offices.

Tax-free in India isn't tax-free at home

NRE and FCNR interest is exempt in India but usually taxable where you live.

Credit for Indian tax

TDS certificates and computations from us support relief on your home return.

Past years

If Indian income was left out before, we prepare the figures your adviser needs to correct it.

Simplified for an individual resident in Europe with Indian income. Your local adviser confirms how the rules apply to you.

Working with your local adviser

We handle India. Your Steuerberater handles home.

Your annual return and company accounts stay with your adviser in Europe. We make sure the Indian figures and certificates they rely on are complete and correct.

What we take care of

  • ITRIndian income tax return and TDS refunds
  • CGCapital gains on Indian property and investments
  • F-146Form 146 certificates and FEMA compliance
  • F-41Treaty declaration filed online in India
  • RBICompany, GST, FDI and ROC filings
  • NOTICEReplies to Indian tax notices

What your local adviser files

  • RETURNYour annual income tax return at home
  • FOREIGNSchedules for foreign income and gains
  • CREDITRelief for tax already paid in India
  • ASSETSForeign asset or wealth reporting where required
  • CIT · VATCorporate tax and VAT returns for companies
  • OFFICECorrespondence with your local tax office
Indian income and tax paidTDS certificatesFigures split by calendar yearProperty sale workingsRupee to euro working
Tax treaties

How India's treaties with Europe stop double taxation.

India has a Double Taxation Avoidance Agreement with nearly every European country, including Germany, France, the Netherlands, Ireland, Italy, Spain, the Nordic countries, Switzerland and Norway. Each one decides which country taxes which income first.

Tax residency certificateIssued by your local tax office
Form 41Replaced Form 10F from 1 April 2026
TDS certificatesProof of tax paid in India
Foreign income scheduleWhere relief is claimed at home
01

Work out where you're resident

India counts your days in India. Your European country applies its own tests, such as a home there or more than 183 days. If both treat you as resident, the treaty's tie-breaker rules decide.

02

Indian property is taxed in India

Rent and gains from property in India are taxed in India first. As a European resident you usually report them at home too and claim relief.

03

Lower Indian rates on investments

Treaties cap Indian tax on interest, dividends, royalties and fees for residents who hold a tax residency certificate and file Form 41.

04

Relief for tax already paid

Your home country gives credit for the Indian tax, or exempts the income, depending on the treaty and the type of income.

For employers and businesses

Agreements that shape India–Europe business.

Social security agreements decide where staff on assignment pay contributions. Trade agreements are changing tariffs and investment flows. Both affect how you set up and run an Indian entity.

Employees on assignment between India and Europe

India has social security agreements with many European countries. An employee sent on a short assignment can stay in their home system with a certificate of coverage, issued in India by the EPFO, instead of paying contributions in both countries.

ATAustriaBEBelgiumCZCzech RepublicDKDenmarkFIFinlandFRFranceDEGermanyHUHungaryLULuxembourgNLNetherlandsNONorwayPTPortugalSESwedenCHSwitzerland

Coverage and time limits differ by agreement. We check the one that applies and handle Indian payroll and PF for staff posted to India.

Trade agreements opening India–Europe trade

  1. India–EFTA agreement signedWith Switzerland, Norway, Iceland and Liechtenstein
  2. India–EFTA agreement in forceTariff cuts and investment commitments begin
  3. India–EU negotiations concludedAnnounced at the 16th India–EU Summit
  4. Signing and ratificationCheck the current status before relying on new tariff rates

We help European companies plan the Indian entity, transfer pricing and FEMA filings, and Indian companies plan overseas investments, around these agreements.

Repatriation · Form 145 and 146

How your money moves from India to Europe.

NRIs can generally remit up to USD 1 million each financial year from an NRO account once Indian tax is paid. From 1 April 2026, Forms 145 and 146 replaced Forms 15CA and 15CB.

01

Funds in NRO

Sale proceeds, rent, a maturing deposit or an inheritance lands in your NRO account.

02

Tax settled

We compute the Indian tax and confirm it has been paid or deducted.

03

Form 146

We issue the Chartered Accountant's certificate your bank needs.

04

Form 145

You file the online declaration, and we fill it in to match the certificate.

05

Bank remits

Your Indian bank sends the funds in euros or your local currency to your IBAN.

NRE and FCNR balancesare freely repatriable. Only NRO funds need the certificate route.
Euro FCNR depositslet you hold savings in EUR in India, so there's no rupee conversion when you bring them back.
Keep proof of sourcesuch as the sale deed or inheritance papers, so the bank's checks move quickly.
NRE, NRO and FCNR accounts

Which Indian bank account does what.

Most NRIs in Europe hold more than one type of Indian account. Each is taxed and repatriated differently in India, and your European country treats them differently again.

NRE accountNon-Resident External

What goes in
Money earned abroad, such as your European salary
Currency
Indian rupees
Interest taxed in India
Tax-freefor NRIs
Interest taxed at home
Usually yes, for residents of European countries
Moving money to Europe
Freely repatriable
Joint holding
With another NRI

NRO accountNon-Resident Ordinary

What goes in
Income earned in India: rent, dividends, pension, sale proceeds
Currency
Indian rupees
Interest taxed in India
TaxableTDS deducted by the bank
Interest taxed at home
Usually yes, with relief for Indian TDS
Moving money to Europe
Up to USD 1 million per financial year after tax, with Form 145 and 146
Joint holding
With an NRI or a resident Indian

FCNR depositForeign Currency Non-Resident

What goes in
Money earned abroad, held as a fixed deposit in a foreign currency such as EUR
Currency
Foreign currency, so no rupee exchange risk
Interest taxed in India
Tax-freefor NRIs
Interest taxed at home
Usually yes, for residents of European countries
Moving money to Europe
Freely repatriable
Joint holding
With another NRI
Tax-free in India doesn't mean tax-free at home. Most European countries tax their residents on worldwide income, so NRE and FCNR interest usually belongs on your return even though India doesn't tax it. We give your local adviser the interest figures for every account, split by calendar year.
How it works

Four steps, all online.

Berlin, Dublin or Lisbon, it works the same. We speak by phone or WhatsApp, documents move through encrypted links and papers are signed digitally.

1

Tell us what you need

Call, email or WhatsApp. We reply with the questions we need answered and a time to talk.

2

Agree the scope in writing

We confirm the work, documents, fee and timeline before anything starts.

3

Share documents securely

Upload through encrypted links and sign digitally. No couriers, no trips to India.

4

We file and coordinate

We complete the Indian filings, send you copies and brief your local tax adviser.

Before your first call

Your India document checklist.

The right paperwork makes Indian tax work faster and more accurate. Tick off what you already have. After the first call we send a list tailored to your situation.

0 / 16Start ticking to see your progress.
Get your personal checklist
Why clients in Europe choose us

A Chartered Accountant in India who feels close by.

These are the standards we hold ourselves to on every file, whether it's one Indian tax return or an Indian subsidiary with its own payroll.

Scope and fee in writing

Before any work starts you get a written note of what we'll do, the documents we need, the fee and the timeline.

One person who knows your file

A single team member handles your case, so you never have to explain your situation twice.

Secure document sharing

Your PAN, passport and bank statements travel through encrypted, password-protected links, never plain email.

We talk to your local adviser

We email or speak with your adviser in Europe so the Indian figures land correctly on your return, in euros and by calendar year.

Plain-English explanations

We explain Indian rules the way you'd want them explained to your own family, without jargon.

Indian notices handled end to end

If the Indian tax department writes to you, we read it, reply on time and follow it through.

Glossary

India–Europe tax terms, explained simply.

The words that come up most often when NRIs and European businesses deal with Indian tax and banking.

NRINon-Resident Indian

An Indian citizen or person of Indian origin who is not resident in India for tax in a tax year.

OCIOverseas Citizen of India

A lifelong visa for foreign citizens of Indian origin. It does not by itself decide tax residence.

RNORResident but Not Ordinarily Resident

A transition status for people returning to India, during which most foreign income stays outside Indian tax.

PANPermanent Account Number

India's tax ID. Needed to file a return, sell property, claim refunds and open most accounts.

TDSTax Deducted at Source

Tax a bank, tenant or buyer deducts before paying you. It can be claimed back if it is more than the real tax.

AISAnnual Information Statement

The tax department's record of your Indian income and TDS for the year, used to check your return.

FEMAForeign Exchange Management Act

India's foreign exchange law. It governs NRI accounts, property purchases and moving money abroad.

DTAADouble Taxation Avoidance Agreement

A tax treaty between India and another country that decides which country taxes which income.

TRCTax residency certificate

A certificate from your European tax office confirming you are resident there. Needed for treaty rates in India.

41Treaty declaration

An online form filed in India with your TRC to claim treaty rates. It replaced Form 10F from 1 April 2026.

146CA certificate for remittances

A Chartered Accountant's certificate your bank needs before sending money abroad. It replaced Form 15CB.

CRSCommon Reporting Standard

The system under which countries automatically exchange information on financial accounts held by each other's residents.

CoCCertificate of coverage

Proof under a social security agreement that an employee on assignment stays in their home social security system.

Blue CardEU Blue Card

An EU work and residence permit for highly qualified workers from outside the EU, held by many Indian professionals.

ODIOverseas Direct Investment

Investment by an Indian company or resident into a business abroad, reported under FEMA.

IBANInternational Bank Account Number

Your European bank account number, needed on the remittance request when money leaves India.

Questions

What NRIs and European businesses ask us.

General guidance only. Every case is different, so please speak to us before acting on any of this.

01Do I file an Indian tax return if I live in Europe?
Often, yes. As an NRI you're taxed in India on income earned or received in India, such as rent, NRO interest, dividends and capital gains. You need to file if that income is above the basic exemption limit, if you sold property or shares, or if you want a refund of excess TDS.
02Do I report Indian income in my European country?
If you're resident there, usually yes. Most European countries tax their residents on worldwide income, including rent, interest and gains from India. Your local adviser reports it on your return and claims relief for Indian tax, and we provide the Indian figures by calendar year.
03Will I be taxed twice on the same income?
Not in full. India's tax treaties with European countries decide which country taxes first. Indian-source income such as property income is usually taxed in India, and your home country gives credit for that tax or exempts the income, depending on the treaty.
04Can I sell property in India and move the money to Europe?
Yes. The buyer deducts TDS, which a lower deduction certificate can reduce. Once tax is settled, you can generally remit up to USD 1 million per financial year from your NRO account, supported by Form 145 and the Form 146 CA certificate.
05What replaced Forms 15CA and 15CB?
From 1 April 2026, Form 145 (the remitter's declaration) and Form 146 (the Chartered Accountant's certificate) replaced Forms 15CA and 15CB for foreign remittances under the Income-tax Act, 2025.
06What replaced Form 10F?
Form 41 replaced Form 10F from 1 April 2026. You file it online in India together with the tax residency certificate from your European tax office to claim treaty rates on Indian income.
07Does my EU passport or OCI card decide my Indian tax status?
No. Indian tax residence depends mainly on how many days you spend in India in a tax year, with extra rules for Indian citizens and persons of Indian origin.
08Can a European company fully own an Indian subsidiary?
In most sectors, yes, under the automatic route for foreign investment. The company needs at least two directors with one resident in India, and must report the investment to the RBI and file an annual FLA return.
09Is NRE interest taxable in Europe?
NRE interest is tax-free in India for NRIs, but if you are resident in a European country it is usually taxable there as foreign income. As there is no Indian tax on it, there is no credit to claim. We give your adviser the interest figures for each account.
10Are my Indian accounts reported to my tax office?
Generally, yes. Under the Common Reporting Standard, Indian banks and fund houses report accounts held by residents of European countries, and India shares that information with your home tax office each year.
11Do staff on assignment pay social security twice?
Not if a social security agreement applies. India has agreements with many European countries, and an employee on a short assignment can stay in their home system with a certificate of coverage. Time limits and coverage differ by agreement.
12What is RNOR status?
Resident but Not Ordinarily Resident is a transition status for people returning to India. During it, most income earned outside India stays outside Indian tax. Whether you qualify, and for how long, depends on your past years of residence, so we work it out before you move.
13Will you replace my local tax adviser?
No. We're Chartered Accountants in India and we handle Indian tax, FEMA and company work. Your European return stays with your local adviser, and we work alongside them.
Locations we serve

Clients across Europe. Work done across India.

We work online with NRIs and businesses in every European country, from Ireland to Finland and Portugal to Poland, and handle their tax, property and company work in cities all over India.

Europe

Where our clients live and run their businesses

Germany

BerlinMunichFrankfurtHamburgStuttgartCologneDüsseldorfHanoverNurembergDarmstadt

Benelux

AmsterdamRotterdamThe HagueUtrechtEindhovenBrusselsAntwerpLuxembourg City

France

ParisLyonToulouseMarseilleNiceLilleBordeaux

Ireland

DublinCorkGalwayLimerick

Nordics

StockholmGothenburgMalmöCopenhagenAarhusHelsinkiOslo

Switzerland and Austria

ZurichGenevaBaselLausanneViennaLinz

Southern Europe

MilanRomeTurinMadridBarcelonaValenciaLisbonPortoAthensVallettaLimassol

Central and Eastern Europe

WarsawKrakówWrocławPragueBrnoBudapestBucharestTallinnVilnius

No match in Europe. We still work with clients in every European country.

India

Where your property, accounts and companies are

West India

MumbaiThaneNavi MumbaiPuneAhmedabadVadodaraSuratGoaNagpur

North India

DelhiGurugramNoidaChandigarhJaipurLucknowAmritsarLudhiana

South India

BengaluruChennaiHyderabadKochiThiruvananthapuramCoimbatoreMangaluru

East and Central India

KolkataIndoreBhopalBhubaneswar

No India match. We handle work in every Indian state.

Fully online from anywhere

Phone, email and WhatsApp, encrypted document sharing and digital signatures, wherever you live in Europe.

Work in every Indian state

Income tax, property and company filings are online, so your asset's location in India is never a barrier.

Your city isn't listed?

We work with clients in every European town. Get in touch and tell us where you are.

India to Europe

Let's sort out the India side.

Tell us what you need in India. We'll explain the steps, the documents to keep ready and the fee, in writing.

Where we workFrom India, for clients across the European Union, Switzerland and Norway

The information on this page is general guidance and is not tax, legal or financial advice for your situation. Please contact us before acting on it.