India's sharpest tax calculators for GIFT City investors
Six precision calculators covering LRS, capital gains, US estate tax, DTAA, NRI residency, and full net returns — built for Indian HNIs who invest globally.
The tools
Six calculators. Every angle covered.
Each calculator is built on hard-coded Finance Act 2025 tax rules — no generic AI estimates, no approximations.
Net Returns
The closing argument. Compare Direct vs Valura after every tax drag — TCS, dividend WHT, estate tax — compounded over 30 years.
LRS & TCS
20% TCS on remittances above ₹10L per PAN. Optimize across family members and use advance tax to collapse the lock-up from months to weeks.
Capital Gains
LTCG 14.95% max vs STCG up to 42.74%. The surcharge cap for LTCG saves HNIs lakhs. Find your exact break-even day.
US Estate Tax
Indian investors buying US stocks directly face up to 40% IRS estate tax above $60K. GIFT City IFSC units are $0. Run your numbers.
DTAA / FTC
Resident Indians: claim Foreign Tax Credit to stop paying 55% on US dividends. NRIs: understand why GIFT City makes DTAA irrelevant.
NRI Status
Are you NRI, RNOR, or ROR? Runs the full Section 6 logic. Discover if you're in the RNOR golden window before it closes.
The problem
Direct investment has hidden costs
you're not seeing
IBKR, Vested, and INDmoney give you market access. They don't optimize your Indian tax. Three drags compound silently over decades.
Up to ₹1 Cr+
TCS locked per ₹5 Cr remittance
20% is deducted before your money ever reaches your account. It returns via ITR — but only after 9–18 months of compounding opportunity cost.
Family LRS optimization + advance tax offset
Up to 40%
US estate tax for NRAs above $60K
Every Indian holding Apple, an S&P 500 ETF, or any US stock directly is a Non-Resident Alien under IRS rules. Their $60K exemption, not $13.6M.
IFSC fund units are not US-situs assets — $0 estate tax
25% vs 15%
Dividend WHT: direct US stocks vs UCITS route
Buy Apple directly: IRS withholds 25% on every dividend. Via an Ireland UCITS ETF through Valura: 15% under India-Ireland DTAA. Every single year.
10 percentage points saved on every dividend payment
Valura GIFT City IFSC eliminates all three
Knowledge base
Understand the rules before you optimize
What is GIFT City IFSC? A complete guide for Indian investors
GIFT City IFSC is India's answer to Singapore, Mauritius, and the Cayman Islands — a domestic jurisdiction with offshore tax treatment. Here's everything you need to know.
The US estate tax trap every Indian investor is walking into
Every Indian holding US stocks directly is classified as a Non-Resident Alien by the IRS. On death, their estate tax exemption is $60,000 — not $13.6 million. Rates go up to 40%.
How to slash your TCS bill using family LRS optimization
The 20% TCS on overseas remittances is the single biggest avoidable cost in Indian global investing. Here is the full playbook for minimizing it.
Ready to invest smarter
Open your Valura GIFT City account
Zero TCS. Zero estate tax. Ireland UCITS ETF access. IFSCA regulated.
All calculators are illustrative only. Tax rates per Finance Act 2025, FY 2025-26. Consult your CA and financial advisor before making investment or tax decisions.