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NRI Property Accounting & Tax Services for NRI Property Owners
Rental income and other incomes, TDS, capital gains, repatriation. One professional team manages your accounting so you don't have to chase paperwork across countries.
Guardia's professional team takes care of your property accounting from start to finish. Tax filing, TDS, capital gains planning, financial reporting, and repatriation all move through one coordinated process, and you get a clear record of everything that's been filed on your behalf.
of repatriations we handle stay FEMA and RBI compliant.
Extra tax. You pay exactly what's due, not a rupee more.
Digital. No physical presence required, just nominate someone you trust.
Supporting clients across the US, UK, Canada, and India.
in penalties across every filing under our watch.
* Disclaimer: Tax outcomes depend on individual circumstances. Guardia's professionals ensure accurate filing and full compliance based on your specific case.
Here's what actually happens once you bring your property accounting to us:
There's no need to juggle a separate CA, a family member coordinating things on the ground, and a different consultant just for repatriation. It's one team, one process, start to finish.
Yes, and it happens often. A lot of NRIs already have a CA in Australia, the US, or the UK looking after their income there. We're happy to work alongside them or our CA's are certified and serving in multijurisdiction like US & UK already.Our side covers the India piece, your ITR-2, TDS, capital gains, repatriation paperwork, and we share what your overseas CA needs to keep your global tax picture consistent. Nothing gets duplicated, and nothing slips through the gap between what they see and what actually gets filed in India.
How does it work
Digital Onboarding
Create your account, complete KYC, and securely share your property and income details online.
Service Request & Financial Assessment
Request the Property Accounting & Tax service. Our team reviews your current tax position, including existing filings, TDS deducted, Form 26AS records, and any gaps.
Tax Filing & Compliance
Your ITR-2 gets filed as per the rules applicable to your NRI status, on time, every year. We assess your capital gains position for your specific situation and apply for a Lower Deduction Certificate ahead of any TDS deduction wherever you're eligible.
Financial Reporting
With filings settled, we build the record behind them. Maintenance, repairs, property tax, management fees—all tracked. You get rental income reports showing what came in versus what actually landed in your account, a clean P&L for every property, and documentation that's ready if the Income Tax Department ever asks.
Advisory Services
We look at your whole tax position, DTAA eligibility, LDC applications, repatriation through Form 145/146, FEMA rules, and structure it all so your liability stays as low as the law allows.
What we handle
NRI taxation isn't resident taxation with a different label. TDS works differently, FEMA rules apply, repatriation has its own limits, and DTAA comes into play. Our team handles the whole stack as one process.
Your India-side ITR-2 gets filed as per the rules that apply to your NRI status.
Buyers deducting TDS under Section 195 often withhold more than your actual liability calls for. We help ensure you don't pay more than necessary.
Sold property back home, or thinking about it? We assess your capital gains position and advise on tax planning around indexation and DTAA, so you move forward with clarity instead of guesswork.
We take over complete data handling for your property finances, rental income, capital gains, interest, and everything else that needs declaring, so it gets tracked and filed correctly every year.
Maintenance, repairs, property tax, and management fees. We track every rupee so your records are always clean.
Know exactly what your property earned, what was deducted, and what finally reached your account.
Receive a clear, structured P&L for every property you own. Useful for decision-making as well as compliance.
If the Income Tax Department ever comes knocking, your paperwork is already in order.
We structure your property income and gains to keep your tax liability as low as the law allows, so you pay what you owe—not more.
Sending money from your NRO account overseas runs through FEMA rules and Form 145/Form 146, the current replacements for the older Form 15CA/15CB. We manage the complete process.
FEMA, RBI, and the Income Tax Act change regularly. We keep you compliant with all three.
From DTAA benefits to Lower Deduction Certificate applications, we identify every legitimate relief available and help you make full use of it.
Why it matters
| What Needs Managing | Without Guardia | With Guardia |
|---|---|---|
| ITR Filing | Filed late, filed wrong, or filed with penalties attached | Filed accurately and on time, every single year |
| TDS on Rental Income | Deducted at the standard rate, no LDC in place, refund stuck for months | LDC applied where eligible, TDS brought down to what you actually owe |
| Capital Gains | Old rules assumed, recent changes like indexation removal missed entirely | Assessed under current rules, DTAA benefit reviewed |
| Repatriation | Funds sitting in your NRO account, paperwork incomplete | Form 145/146 ready, bank coordination already done |
| Financial Reporting | No real records, nothing to show if asked | Ongoing reports, documentation ready whenever needed |
| Regulatory Changes | Found out about a rule change after it already cost you | Flagged and factored in before it affects your filing |
| IT Department Notice | You're on your own to respond | Our team responds on your behalf |
Why it matters
What gets deducted at source and what you actually owe are two different numbers. TDS on rental income is usually collected upfront as an estimate, not a final figure. We calculate your real liability when we file, and whatever was over-deducted comes back to you as a refund.
A Lower Deduction Certificate brings your TDS down from the flat standard rate to what you actually owe. Skip it, and you're overpaying every month while your refund sits in queue. We file for it before the financial year starts, wherever you qualify.
Repatriation now runs through Form 145, Form 146, bank certification, and FEMA documentation. Get one piece wrong and your funds are stuck in India until it's sorted. We put all of it in place before the transfer request goes in.
Indexation on long-term capital gains stopped applying to non-resident sellers from July 23, 2024, and the repatriation forms changed again in April 2026. Property bought before the indexation change still has transitional relief available. We stay on top of these changes so your filing reflects the law as it stands today.
The usual setup is a CA for filing, someone else for repatriation, and nobody looking after financial reporting. We manage all three under a single process, so nothing falls through the cracks.
Every filing, every report, and every repatriation confirmation stays documented and easy to retrieve. If a notice arrives or a bank requests proof of compliance, it's already there.
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