A Lower or Nil TDS Certificate (Form 13) from the Income Tax Department allows NRIs to reduce or eliminate tax deduction at source. This helps avoid high withholding tax rates and prevents funds from being unnecessarily blocked with the department, ensuring better cash flow and timely access to income. #TDS #NILTDS #NRITax #IncomeTaxIndia #TaxCertificate https://ushmaassociates.com/