Chartered Accountants in India, working with clients across the UK

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TDS and Tax Liability India
Income Tax · TDS and liability

TDS is not your tax bill:know what you really owe.

TDS is only an advance payment. Your real tax liability is worked out in the return, and it can be higher or much lower than the TDS. NRIs often pay too much through TDS; businesses can owe more and face interest if advance tax is missed. We work out the real figure and plan for it.

Check my tax position
Real liability worked outFees agreed in writingRefunds and advance tax planned
TDSAdvance payment only
LiabilityWorked out in the return
Advance taxFour instalments a year
ExcessRefund

Why TDS and tax differ.

Too much

NRIs often overpay

Flat TDS rates ignore deductions, the exemption limit and treaty rates.

Too little

Income without TDS

Capital gains on some assets, foreign income for residents or business profits.

Mismatch

TDS not credited

Wrong PAN or missing filings by the payer.

Rates

Special-rate income

Gains taxed at special rates alongside slab-rate income.

Advance tax.

If your tax after TDS is ₹10,000 or more in a year, advance tax is payable in instalments. Missing them leads to interest. Resident senior citizens without business income are exempt.

Due dateCumulative amount
15 June15%
15 September45%
15 December75%
15 March100%

How we help.

01
List

All Indian income

From AIS, bank and investment records.

02
Compute

Real liability

Regimes, special rates and treaty relief.

03
Compare

With TDS

And plan advance tax or a refund claim.

04
File

The return

With the refund or balance tax. See ITR Filing Services.

Why NRIs in the UK choose us for India tax.

Both sides of the border

We work with the India side of your tax while keeping your UK Self Assessment and treaty position in view.

Reviewed before filing

Every computation is checked by a second Chartered Accountant before anything is filed.

Fees agreed in writing

A written scope and fee before work starts, with no surprise charges later.

Secure and fully online

Encrypted document sharing and e-verification, so nothing needs a trip to India.

One team all year

Returns, TDS refunds, FEMA questions and property sales handled by the same team.

Plain-English answers

Clear explanations of what you owe, why, and what to keep for next year.

Tax liability reviews for clients across the UK.

We handle TDS for NRIs, UK-owned companies and families in India, working online with clients across England, Scotland, Wales and Northern Ireland.

London

City of LondonCanary WharfHarrowWembleySouthallHounslowIlfordEast HamCroydonEdgware

South East

ReadingSloughMilton KeynesOxfordWatfordLutonCrawleyGuildford

Midlands

BirminghamLeicesterCoventryNottinghamWolverhamptonDerbyNorthampton

North of England

ManchesterLeedsBradfordSheffieldLiverpoolNewcastlePreston

East and South West

CambridgePeterboroughBristolSwindonSouthamptonBath

Scotland, Wales, NI

EdinburghGlasgowAberdeenDundeeCardiffSwanseaBelfast

TDS and tax liability FAQs.

No. TDS is an advance payment. Your actual tax is worked out in your return.
Because flat TDS rates ignore deductions, the exemption limit and treaty rates.
By 15 June, 15 September, 15 December and 15 March, if tax after TDS is ₹10,000 or more.
Interest is charged for the shortfall and the delay.

Want to know what you really owe in India?

Send us your AIS and documents. We will work out the real figure.

Check my tax position+91 9819 000 511

This page is general guidance based on the Income-tax Act, 2025 and the Income-tax Rules, 2026 as they stand, and on the 1961 Act for earlier periods. It is not legal or financial advice for your situation. Forms, rates and due dates can change, so please check with us before filing.