{"id":8296,"date":"2025-05-23T17:00:38","date_gmt":"2025-05-23T11:30:38","guid":{"rendered":"https:\/\/aktassociates.com\/blog\/?p=8296"},"modified":"2025-05-23T15:19:32","modified_gmt":"2025-05-23T09:49:32","slug":"should-nris-accept-cash-for-property-sales","status":"publish","type":"post","link":"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/","title":{"rendered":"Should NRIs Accept Cash for Property Sales?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_66_1 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >In this article, we will discuss about...<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #1e73be;color:#1e73be\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #1e73be;color:#1e73be\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#Introduction\" title=\"Introduction\">Introduction<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#Are_you_an_NRI_Non-Resident_Indian_planning_to_sell_property_in_India\" title=\"Are you an NRI (Non-Resident Indian) planning to sell property in India?\">Are you an NRI (Non-Resident Indian) planning to sell property in India?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#If_yes_theres_a_good_chance_that_a_buyer_has_asked_to_pay_part_of_the_amount_in_cash_This_is_very_common%E2%80%94and_very_tricky\" title=\"If yes, there\u2019s a good chance that a buyer has asked to pay part of the amount in cash. This is very common\u2014and very tricky.\">If yes, there\u2019s a good chance that a buyer has asked to pay part of the amount in cash. This is very common\u2014and very tricky.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#I_often_get_questions_from_my_NRI_friends_like\" title=\"I often get questions from my NRI friends like:\">I often get questions from my NRI friends like:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#%E2%80%9CIs_it_okay_to_accept_cash%E2%80%9D\" title=\"\u201cIs it okay to accept cash?\u201d\">\u201cIs it okay to accept cash?\u201d<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#%E2%80%9CEveryone_says_I_wont_find_a_buyer_unless_I_agree_to_cash%E2%80%9D\" title=\"\u201cEveryone says I won\u2019t find a buyer unless I agree to cash.\u201d\">\u201cEveryone says I won\u2019t find a buyer unless I agree to cash.\u201d<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#%E2%80%9CIs_it_really_that_risky%E2%80%9D\" title=\"\u201cIs it really that risky?\u201d\">\u201cIs it really that risky?\u201d<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#In_this_article_Ill_explain_why_buyers_offer_cash_why_sellers_might_feel_tempted_to_accept_it_and%E2%80%94most_importantly%E2%80%94why_you_should_avoid_cash_deals_completely_Ill_also_share_safer_ways_to_handle_these_situations\" title=\"In this article, I\u2019ll explain why buyers offer cash, why sellers might feel tempted to accept it, and\u2014most importantly\u2014why you should avoid cash deals completely. I\u2019ll also share safer ways to handle these situations.\">In this article, I\u2019ll explain why buyers offer cash, why sellers might feel tempted to accept it, and\u2014most importantly\u2014why you should avoid cash deals completely. I\u2019ll also share safer ways to handle these situations.<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#Should_You_Accept_Cash_in_a_Property_Sale\" title=\"Should You Accept Cash in a Property Sale?\">Should You Accept Cash in a Property Sale?<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#No_you_shouldnt_Not_if_youre_an_NRI\" title=\"No, you shouldn\u2019t. Not if you&#8217;re an NRI.\">No, you shouldn\u2019t. Not if you&#8217;re an NRI.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#Heres_the_problem_once_you_accept_cash_what_do_you_do_with_it\" title=\"Here\u2019s the problem: once you accept cash, what do you do with it?\">Here\u2019s the problem: once you accept cash, what do you do with it?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#You_cant_take_it_abroad_without_declaring_it_legally_That_usually_means_depositing_the_cash_in_a_bank_And_thats_where_things_start_to_go_wrong\" title=\"You can\u2019t take it abroad without declaring it legally. That usually means depositing the cash in a bank. And that\u2019s where things start to go wrong.\">You can\u2019t take it abroad without declaring it legally. That usually means depositing the cash in a bank. And that\u2019s where things start to go wrong.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#Unless_you_want_to_deal_with_black_markets_or_use_hawala_an_illegal_money_transfer_system_dont_even_think_about_it_These_options_are_illegal_and_come_with_serious_risks\" title=\"Unless you want to deal with black markets or use hawala (an illegal money transfer system), don\u2019t even think about it. These options are illegal and come with serious risks.\">Unless you want to deal with black markets or use hawala (an illegal money transfer system), don\u2019t even think about it. These options are illegal and come with serious risks.<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#But_What_If_Buyers_Push_for_Cash\" title=\"But What If Buyers Push for Cash?\">But What If Buyers Push for Cash?<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#Thats_a_fair_concern_Many_buyers_will_suggest_a_cash_deal\" title=\"That\u2019s a fair concern. Many buyers will suggest a cash deal.\">That\u2019s a fair concern. Many buyers will suggest a cash deal.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#Before_you_agree_you_need_to_understand_why_theyre_doing_it\" title=\"Before you agree, you need to understand why they\u2019re doing it.\">Before you agree, you need to understand why they\u2019re doing it.<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#Why_Buyers_Offer_Cash\" title=\"Why Buyers Offer Cash\">Why Buyers Offer Cash<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#Here_are_the_main_reasons\" title=\"Here are the main reasons:\">Here are the main reasons:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#1_They_already_have_cash_from_another_property_deal_and_want_to_reuse_it\" title=\"1. They already have cash from another property deal and want to reuse it.\">1. They already have cash from another property deal and want to reuse it.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#2_Builders_or_real_estate_investors_deal_in_cash_regularly_and_want_to_pay_part_of_the_amount_that_way\" title=\"2. Builders or real estate investors deal in cash regularly and want to pay part of the amount that way.\">2. Builders or real estate investors deal in cash regularly and want to pay part of the amount that way.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#But_the_biggest_reason_is_this_To_save_money_on_stamp_duty\" title=\"But the biggest reason is this: \nTo save money on stamp duty.\">But the biggest reason is this: \nTo save money on stamp duty.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#In_India_stamp_duty_which_buyers_pay_when_registering_property_is_based_on_the_declared_sale_price_If_the_buyer_shows_a_lower_price_and_gives_the_rest_in_cash_they_save_5_to_7\" title=\"In India, stamp duty (which buyers pay when registering property) is based on the declared sale price. If the buyer shows a lower price and gives the rest in cash, they save 5% to 7%.\">In India, stamp duty (which buyers pay when registering property) is based on the declared sale price. If the buyer shows a lower price and gives the rest in cash, they save 5% to 7%.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#For_example_if_a_property_is_worth_%E2%82%B95_crores_and_they_underreport_the_price_as_%E2%82%B94_crores_they_save_%E2%82%B95%E2%80%937_lakhs_in_stamp_duty\" title=\"For example, if a property is worth \u20b95 crores, and they underreport the price as \u20b94 crores, they save \u20b95\u20137 lakhs in stamp duty.\">For example, if a property is worth \u20b95 crores, and they underreport the price as \u20b94 crores, they save \u20b95\u20137 lakhs in stamp duty.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#Some_buyers_also_just_want_to_use_up_unaccounted_cash_from_previous_deals\" title=\"Some buyers also just want to use up unaccounted cash from previous deals.\">Some buyers also just want to use up unaccounted cash from previous deals.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#So_remember_their_offer_isnt_about_helping_you%E2%80%94its_about_saving_money_for_themselves\" title=\"So remember, their offer isn\u2019t about helping you\u2014it\u2019s about saving money for themselves.\">So remember, their offer isn\u2019t about helping you\u2014it\u2019s about saving money for themselves.<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#Why_Sellers_Are_Tempted_to_Accept_Cash\" title=\"Why Sellers Are Tempted to Accept Cash\">Why Sellers Are Tempted to Accept Cash<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#Lets_be_honest%E2%80%94you_might_feel_tempted_too\" title=\"Let\u2019s be honest\u2014you might feel tempted too.\">Let\u2019s be honest\u2014you might feel tempted too.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#As_an_NRI_youll_have_to_pay_around_125_in_capital_gains_tax_when_you_sell_property\" title=\"As an NRI, you\u2019ll have to pay around 12.5% in capital gains tax when you sell property.\">As an NRI, you\u2019ll have to pay around 12.5% in capital gains tax when you sell property.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#So_if_you_sell_your_property_for_%E2%82%B915_crores_but_only_show_%E2%82%B91_crore_on_paper_and_take_%E2%82%B950_lakhs_in_cash_you_pay_tax_only_on_%E2%82%B91_crore\" title=\"So if you sell your property for \u20b91.5 crores, but only show \u20b91 crore on paper and take \u20b950 lakhs in cash, you pay tax only on \u20b91 crore.\">So if you sell your property for \u20b91.5 crores, but only show \u20b91 crore on paper and take \u20b950 lakhs in cash, you pay tax only on \u20b91 crore.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#Sounds_like_smart_tax_planning_right\" title=\"Sounds like smart tax planning, right?\">Sounds like smart tax planning, right?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-31\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#Wrong_This_is_tax_evasion_and_it_can_get_you_into_serious_trouble\" title=\"Wrong. This is tax evasion, and it can get you into serious trouble.\">Wrong. This is tax evasion, and it can get you into serious trouble.<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-32\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#What_Can_Go_Wrong\" title=\"What Can Go Wrong?\">What Can Go Wrong?<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-33\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#Here_are_the_biggest_risks_of_accepting_cash_in_a_property_sale\" title=\"Here are the biggest risks of accepting cash in a property sale:\">Here are the biggest risks of accepting cash in a property sale:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-34\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#1_You_Might_Get_a_Tax_Notice\" title=\"1. You Might Get a Tax Notice\">1. You Might Get a Tax Notice<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-35\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#Every_property_deal_is_registered_with_government_systems_If_your_declared_sale_price_is_much_lower_than_market_value_it_gets_flagged\" title=\"Every property deal is registered with government systems. If your declared sale price is much lower than market value, it gets flagged.\">Every property deal is registered with government systems. If your declared sale price is much lower than market value, it gets flagged.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-36\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#This_could_lead_to_tax_notices_or_a_full_audit\" title=\"This could lead to tax notices or a full audit.\">This could lead to tax notices or a full audit.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-37\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#2_Both_Buyer_and_Seller_Can_Be_Taxed_Twice\" title=\"2. Both Buyer and Seller Can Be Taxed Twice\">2. Both Buyer and Seller Can Be Taxed Twice<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-38\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#Lets_say_you_receive_%E2%82%B950_lakhs_in_cash\" title=\"Let\u2019s say you receive \u20b950 lakhs in cash.\">Let\u2019s say you receive \u20b950 lakhs in cash.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-39\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#The_buyer_can_be_taxed_because_this_cash_is_seen_as_%E2%80%9Cincome_from_other_sources%E2%80%9D\" title=\"The buyer can be taxed, because this cash is seen as \u201cincome from other sources.\u201d\">The buyer can be taxed, because this cash is seen as \u201cincome from other sources.\u201d<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-40\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#You_the_seller_can_also_be_taxed_on_the_full_market_value%E2%80%94even_though_you_declared_less\" title=\"You, the seller, can also be taxed on the full market value\u2014even though you declared less.\">You, the seller, can also be taxed on the full market value\u2014even though you declared less.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-41\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#So_both_of_you_might_pay_tax_on_the_same_%E2%82%B950_lakhs\" title=\"So both of you might pay tax on the same \u20b950 lakhs.\">So both of you might pay tax on the same \u20b950 lakhs.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-42\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#3_Depositing_Cash_Is_a_Nightmare\" title=\"3. Depositing Cash Is a Nightmare\">3. Depositing Cash Is a Nightmare<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-43\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#If_you_try_to_put_the_cash_in_your_bank_or_split_it_between_family_members_accounts_that_just_makes_things_worse\" title=\"If you try to put the cash in your bank, or split it between family members\u2019 accounts, that just makes things worse.\">If you try to put the cash in your bank, or split it between family members\u2019 accounts, that just makes things worse.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-44\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#Even_if_you_spread_%E2%82%B950_lakhs_across_10_relatives_banks_and_tax_authorities_will_ask_where_the_money_came_from\" title=\"Even if you spread \u20b950 lakhs across 10 relatives, banks and tax authorities will ask where the money came from.\">Even if you spread \u20b950 lakhs across 10 relatives, banks and tax authorities will ask where the money came from.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-45\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#And_what_do_you_think_your_relatives_will_say\" title=\"And what do you think your relatives will say?\">And what do you think your relatives will say?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-46\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#Theyll_point_right_back_at_you\" title=\"They\u2019ll point right back at you.\">They\u2019ll point right back at you.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-47\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#If_any_of_them_work_in_government_jobs_or_have_regular_salaries_they_might_face_problems_too\" title=\"If any of them work in government jobs or have regular salaries, they might face problems too.\">If any of them work in government jobs or have regular salaries, they might face problems too.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-48\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#Cant_I_Just_Send_the_Cash_Abroad_Using_Hawala\" title=\"Can\u2019t I Just Send the Cash Abroad Using Hawala?\">Can\u2019t I Just Send the Cash Abroad Using Hawala?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-49\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#No_Just_dont\" title=\"No. Just don\u2019t.\">No. Just don\u2019t.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-50\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#Hawala_is_illegal_Its_not_a_clever_trick_Its_a_crime\" title=\"Hawala is illegal. It\u2019s not a clever trick. It\u2019s a crime.\">Hawala is illegal. It\u2019s not a clever trick. It\u2019s a crime.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-51\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#You_might_think_youre_saving_money_but_youre_risking\" title=\"You might think you\u2019re saving money, but you\u2019re risking:\">You might think you\u2019re saving money, but you\u2019re risking:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-52\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#Legal_trouble\" title=\"Legal trouble\">Legal trouble<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-53\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#Financial_penalties\" title=\"Financial penalties\">Financial penalties<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-54\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#Losing_your_peace_of_mind\" title=\"Losing your peace of mind\">Losing your peace of mind<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-55\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#Its_simply_not_worth_it\" title=\"It\u2019s simply not worth it.\">It\u2019s simply not worth it.<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-56\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#How_to_Handle_Buyers_Who_Want_to_Pay_in_Cash\" title=\"How to Handle Buyers Who Want to Pay in Cash\">How to Handle Buyers Who Want to Pay in Cash<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-57\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#So_what_do_you_do_if_a_buyer_insists_on_a_cash_deal\" title=\"So what do you do if a buyer insists on a cash deal?\">So what do you do if a buyer insists on a cash deal?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-58\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#Heres_how_you_can_deal_with_it_smartly\" title=\"Here\u2019s how you can deal with it smartly.\">Here\u2019s how you can deal with it smartly.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-59\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#1_Explain_the_Risk_to_Them\" title=\"1. Explain the Risk to Them\">1. Explain the Risk to Them<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-60\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#Tell_the_buyer\" title=\"Tell the buyer:\">Tell the buyer:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-61\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#%E2%80%9CIf_you_save_7_on_stamp_duty_today_your_registered_purchase_price_will_be_lower_When_you_sell_the_property_later_your_capital_gain_will_appear_higher%E2%80%94and_youll_pay_more_tax%E2%80%9D\" title=\"\u201cIf you save 7% on stamp duty today, your registered purchase price will be lower. When you sell the property later, your capital gain will appear higher\u2014and you&#8217;ll pay more tax.\u201d\">\u201cIf you save 7% on stamp duty today, your registered purchase price will be lower. When you sell the property later, your capital gain will appear higher\u2014and you&#8217;ll pay more tax.\u201d<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-62\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#Example\" title=\"Example:\">Example:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-63\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#Buyer_pays_%E2%82%B915_crores_but_only_shows_%E2%82%B91_crore_in_the_sale_deed\" title=\"Buyer pays \u20b91.5 crores, but only shows \u20b91 crore in the sale deed.\">Buyer pays \u20b91.5 crores, but only shows \u20b91 crore in the sale deed.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-64\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#Later_sells_for_%E2%82%B92_crores\" title=\"Later sells for \u20b92 crores.\">Later sells for \u20b92 crores.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-65\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#Now_they_pay_tax_on_a_%E2%82%B91_crore_profit_instead_of_%E2%82%B950_lakhs\" title=\"Now they pay tax on a \u20b91 crore profit instead of \u20b950 lakhs.\">Now they pay tax on a \u20b91 crore profit instead of \u20b950 lakhs.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-66\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#So_saving_7_now_might_cost_them_125_or_more_later\" title=\"So, saving 7% now might cost them 12.5% or more later.\">So, saving 7% now might cost them 12.5% or more later.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-67\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#2_Offer_a_Middle_Ground\" title=\"2. Offer a Middle Ground\">2. Offer a Middle Ground<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-68\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#Still_facing_pressure\" title=\"Still facing pressure?\">Still facing pressure?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-69\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#Try_this\" title=\"Try this:\">Try this:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-70\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#%E2%80%9CYoure_saving_%E2%82%B935_lakhs_on_stamp_duty_Ill_cover_half%E2%80%94%E2%82%B9175_lakhs%E2%80%94to_keep_everything_legal%E2%80%9D\" title=\"\u201cYou\u2019re saving \u20b93.5 lakhs on stamp duty. I\u2019ll cover half\u2014\u20b91.75 lakhs\u2014to keep everything legal.\u201d\">\u201cYou\u2019re saving \u20b93.5 lakhs on stamp duty. I\u2019ll cover half\u2014\u20b91.75 lakhs\u2014to keep everything legal.\u201d<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-71\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#This_way_they_still_save_some_money_and_you_avoid_all_the_risk\" title=\"This way, they still save some money, and you avoid all the risk.\">This way, they still save some money, and you avoid all the risk.<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-72\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#Conclusion\" title=\"Conclusion:\">Conclusion:<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-73\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#If_youre_an_NRI_and_someone_offers_property_sale_plus_cash_remember_this\" title=\"If you\u2019re an NRI and someone offers property sale plus cash, remember this:\">If you\u2019re an NRI and someone offers property sale plus cash, remember this:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-74\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#Stay_away_from_cash_deals\" title=\"Stay away from cash deals.\">Stay away from cash deals.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-75\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#Use_facts_and_logic_to_convince_the_buyer\" title=\"Use facts and logic to convince the buyer.\">Use facts and logic to convince the buyer.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-76\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#If_needed_offer_to_share_stamp_duty_savings%E2%80%94but_insist_on_a_100_legal_transaction\" title=\"If needed, offer to share stamp duty savings\u2014but insist on a 100% legal transaction.\">If needed, offer to share stamp duty savings\u2014but insist on a 100% legal transaction.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-77\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#Its_not_just_about_avoiding_trouble_Its_about_being_able_to_send_your_money_abroad_easily_with_no_stress_or_fear\" title=\"It\u2019s not just about avoiding trouble. It\u2019s about being able to send your money abroad easily, with no stress or fear.\">It\u2019s not just about avoiding trouble. It\u2019s about being able to send your money abroad easily, with no stress or fear.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-78\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#Doing_it_the_right_way_protects_your_future_your_family_and_your_peace_of_mind\" title=\"Doing it the right way protects your future, your family, and your peace of mind.\">Doing it the right way protects your future, your family, and your peace of mind.<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Introduction\"><\/span><b>Introduction<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h4><span class=\"ez-toc-section\" id=\"Are_you_an_NRI_Non-Resident_Indian_planning_to_sell_property_in_India\"><\/span><span style=\"font-weight: 400;\">Are you an NRI (Non-Resident Indian) planning to sell property in India?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"If_yes_theres_a_good_chance_that_a_buyer_has_asked_to_pay_part_of_the_amount_in_cash_This_is_very_common%E2%80%94and_very_tricky\"><\/span><span style=\"font-weight: 400;\">If yes, there\u2019s a good chance that a buyer has asked to pay part of the amount in cash. This is very common\u2014and very tricky.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"I_often_get_questions_from_my_NRI_friends_like\"><\/span><span style=\"font-weight: 400;\">I often get questions from my NRI friends like:<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"%E2%80%9CIs_it_okay_to_accept_cash%E2%80%9D\"><\/span><span style=\"font-weight: 400;\">\u201cIs it okay to accept cash?\u201d<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"%E2%80%9CEveryone_says_I_wont_find_a_buyer_unless_I_agree_to_cash%E2%80%9D\"><\/span><span style=\"font-weight: 400;\">\u201cEveryone says I won\u2019t find a buyer unless I agree to cash.\u201d<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"%E2%80%9CIs_it_really_that_risky%E2%80%9D\"><\/span><span style=\"font-weight: 400;\">\u201cIs it really that risky?\u201d<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<h4><span class=\"ez-toc-section\" id=\"In_this_article_Ill_explain_why_buyers_offer_cash_why_sellers_might_feel_tempted_to_accept_it_and%E2%80%94most_importantly%E2%80%94why_you_should_avoid_cash_deals_completely_Ill_also_share_safer_ways_to_handle_these_situations\"><\/span><span style=\"font-weight: 400;\">In this article, I\u2019ll explain why buyers offer cash, why sellers might feel tempted to accept it, and\u2014most importantly\u2014why you should avoid cash deals completely. I\u2019ll also share safer ways to handle these situations.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><b>Don\u2019t let reading hold you back, Watch our video instead<\/b><iframe loading=\"lazy\" title=\"YouTube video player\" src=\"https:\/\/www.youtube.com\/embed\/9K4ZxWq91IE?si=jPFO6gxHiGpj5jA8\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Should_You_Accept_Cash_in_a_Property_Sale\"><\/span><b>Should You Accept Cash in a Property Sale?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h4><span class=\"ez-toc-section\" id=\"No_you_shouldnt_Not_if_youre_an_NRI\"><\/span><span style=\"font-weight: 400;\">No, you shouldn\u2019t. Not if you&#8217;re an NRI.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"Heres_the_problem_once_you_accept_cash_what_do_you_do_with_it\"><\/span><span style=\"font-weight: 400;\">Here\u2019s the problem: once you accept cash, what do you do with it?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"You_cant_take_it_abroad_without_declaring_it_legally_That_usually_means_depositing_the_cash_in_a_bank_And_thats_where_things_start_to_go_wrong\"><\/span><span style=\"font-weight: 400;\">You can\u2019t take it abroad without declaring it legally. That usually means depositing the cash in a bank. And that\u2019s where things start to go wrong.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"Unless_you_want_to_deal_with_black_markets_or_use_hawala_an_illegal_money_transfer_system_dont_even_think_about_it_These_options_are_illegal_and_come_with_serious_risks\"><\/span><span style=\"font-weight: 400;\">Unless you want to deal with black markets or use hawala (an illegal money transfer system), don\u2019t even think about it. These options are illegal and come with serious risks.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-8302 aligncenter\" src=\"https:\/\/aktassociates.com\/blog\/wp-content\/uploads\/2025\/05\/Untitled-design-2025-05-21T131631.295.png\" alt=\"Cash in Property Sale\" width=\"500\" height=\"300\" \/><\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"But_What_If_Buyers_Push_for_Cash\"><\/span><b>But What If Buyers Push for Cash?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h4><span class=\"ez-toc-section\" id=\"Thats_a_fair_concern_Many_buyers_will_suggest_a_cash_deal\"><\/span><span style=\"font-weight: 400;\">That\u2019s a fair concern. Many buyers will suggest a cash deal.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"Before_you_agree_you_need_to_understand_why_theyre_doing_it\"><\/span><span style=\"font-weight: 400;\">Before you agree, you need to understand why they\u2019re doing it.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><a href=\"https:\/\/pages.razorpay.com\/akt-nri-tax-consulting\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-5193 size-full aligncenter\" src=\"https:\/\/aktassociates.com\/blog\/wp-content\/uploads\/2023\/06\/Consult-CA-Arun-Tiwari-1.png\" alt=\"\" width=\"700\" height=\"150\" srcset=\"https:\/\/aktassociates.com\/blog\/wp-content\/uploads\/2023\/06\/Consult-CA-Arun-Tiwari-1.png 700w, https:\/\/aktassociates.com\/blog\/wp-content\/uploads\/2023\/06\/Consult-CA-Arun-Tiwari-1-300x64.png 300w\" sizes=\"(max-width: 700px) 100vw, 700px\" \/><\/a><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Why_Buyers_Offer_Cash\"><\/span><b>Why Buyers Offer Cash<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h4><span class=\"ez-toc-section\" id=\"Here_are_the_main_reasons\"><\/span><span style=\"font-weight: 400;\">Here are the main reasons:<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"1_They_already_have_cash_from_another_property_deal_and_want_to_reuse_it\"><\/span><span style=\"font-weight: 400;\">1. They already have cash from another property deal and want to reuse it.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"2_Builders_or_real_estate_investors_deal_in_cash_regularly_and_want_to_pay_part_of_the_amount_that_way\"><\/span><span style=\"font-weight: 400;\">2. Builders or real estate investors deal in cash regularly and want to pay part of the amount that way.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"But_the_biggest_reason_is_this_To_save_money_on_stamp_duty\"><\/span><span style=\"font-weight: 400;\">But the biggest reason is this:<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">To save money on stamp duty.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"In_India_stamp_duty_which_buyers_pay_when_registering_property_is_based_on_the_declared_sale_price_If_the_buyer_shows_a_lower_price_and_gives_the_rest_in_cash_they_save_5_to_7\"><\/span><span style=\"font-weight: 400;\">In India, stamp duty (which buyers pay when registering property) is based on the declared sale price. If the buyer shows a lower price and gives the rest in cash, they save 5% to 7%.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"For_example_if_a_property_is_worth_%E2%82%B95_crores_and_they_underreport_the_price_as_%E2%82%B94_crores_they_save_%E2%82%B95%E2%80%937_lakhs_in_stamp_duty\"><\/span><span style=\"font-weight: 400;\">For example, if a property is worth \u20b95 crores, and they underreport the price as \u20b94 crores, they save \u20b95\u20137 lakhs in stamp duty.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"Some_buyers_also_just_want_to_use_up_unaccounted_cash_from_previous_deals\"><\/span><span style=\"font-weight: 400;\">Some buyers also just want to use up unaccounted cash from previous deals.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"So_remember_their_offer_isnt_about_helping_you%E2%80%94its_about_saving_money_for_themselves\"><\/span><span style=\"font-weight: 400;\">So remember, their offer isn\u2019t about helping you\u2014it\u2019s about saving money for themselves.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-8301\" src=\"https:\/\/aktassociates.com\/blog\/wp-content\/uploads\/2025\/05\/Untitled-design-2025-04-28T142120.095.png\" alt=\"NRI Accept cash in property sale\" width=\"500\" height=\"300\" \/><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Why_Sellers_Are_Tempted_to_Accept_Cash\"><\/span><b>Why Sellers Are Tempted to Accept Cash<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h4><span class=\"ez-toc-section\" id=\"Lets_be_honest%E2%80%94you_might_feel_tempted_too\"><\/span><span style=\"font-weight: 400;\">Let\u2019s be honest\u2014you might feel tempted too.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"As_an_NRI_youll_have_to_pay_around_125_in_capital_gains_tax_when_you_sell_property\"><\/span><span style=\"font-weight: 400;\">As an NRI, you\u2019ll have to pay around 12.5% in capital gains tax when you sell property.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"So_if_you_sell_your_property_for_%E2%82%B915_crores_but_only_show_%E2%82%B91_crore_on_paper_and_take_%E2%82%B950_lakhs_in_cash_you_pay_tax_only_on_%E2%82%B91_crore\"><\/span><span style=\"font-weight: 400;\">So if you sell your property for \u20b91.5 crores, but only show \u20b91 crore on paper and take \u20b950 lakhs in cash, you pay tax only on \u20b91 crore.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"Sounds_like_smart_tax_planning_right\"><\/span><span style=\"font-weight: 400;\">Sounds like smart tax planning, right?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"Wrong_This_is_tax_evasion_and_it_can_get_you_into_serious_trouble\"><\/span><span style=\"font-weight: 400;\">Wrong. This is tax evasion, and it can get you into serious trouble.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h3><span class=\"ez-toc-section\" id=\"What_Can_Go_Wrong\"><\/span><b>What Can Go Wrong?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h4><span class=\"ez-toc-section\" id=\"Here_are_the_biggest_risks_of_accepting_cash_in_a_property_sale\"><\/span><span style=\"font-weight: 400;\">Here are the biggest risks of accepting cash in a property sale:<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"1_You_Might_Get_a_Tax_Notice\"><\/span><b>1. You Might Get a Tax Notice<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"Every_property_deal_is_registered_with_government_systems_If_your_declared_sale_price_is_much_lower_than_market_value_it_gets_flagged\"><\/span><span style=\"font-weight: 400;\">Every property deal is registered with government systems. If your declared sale price is much lower than market value, it gets flagged.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"This_could_lead_to_tax_notices_or_a_full_audit\"><\/span><span style=\"font-weight: 400;\">This could lead to tax notices or a full audit.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"2_Both_Buyer_and_Seller_Can_Be_Taxed_Twice\"><\/span><b>2. Both Buyer and Seller Can Be Taxed Twice<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"Lets_say_you_receive_%E2%82%B950_lakhs_in_cash\"><\/span><span style=\"font-weight: 400;\">Let\u2019s say you receive \u20b950 lakhs in cash.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"The_buyer_can_be_taxed_because_this_cash_is_seen_as_%E2%80%9Cincome_from_other_sources%E2%80%9D\"><\/span><span style=\"font-weight: 400;\">The buyer can be taxed, because this cash is seen as \u201cincome from other sources.\u201d<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"You_the_seller_can_also_be_taxed_on_the_full_market_value%E2%80%94even_though_you_declared_less\"><\/span><span style=\"font-weight: 400;\">You, the seller, can also be taxed on the full market value\u2014even though you declared less.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<h4><span class=\"ez-toc-section\" id=\"So_both_of_you_might_pay_tax_on_the_same_%E2%82%B950_lakhs\"><\/span><span style=\"font-weight: 400;\">So both of you might pay tax on the same \u20b950 lakhs.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-8304 aligncenter\" src=\"https:\/\/aktassociates.com\/blog\/wp-content\/uploads\/2025\/05\/Untitled-design-2025-05-21T140855.064.png\" alt=\"Seller and Buyer property tax\" width=\"500\" height=\"300\" \/><\/p>\n<h4><span class=\"ez-toc-section\" id=\"3_Depositing_Cash_Is_a_Nightmare\"><\/span><b>3. Depositing Cash Is a Nightmare<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"If_you_try_to_put_the_cash_in_your_bank_or_split_it_between_family_members_accounts_that_just_makes_things_worse\"><\/span><span style=\"font-weight: 400;\">If you try to put the cash in your bank, or split it between family members\u2019 accounts, that just makes things worse.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"Even_if_you_spread_%E2%82%B950_lakhs_across_10_relatives_banks_and_tax_authorities_will_ask_where_the_money_came_from\"><\/span><span style=\"font-weight: 400;\">Even if you spread \u20b950 lakhs across 10 relatives, banks and tax authorities will ask where the money came from.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"And_what_do_you_think_your_relatives_will_say\"><\/span><span style=\"font-weight: 400;\">And what do you think your relatives will say?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"Theyll_point_right_back_at_you\"><\/span><span style=\"font-weight: 400;\">They\u2019ll point right back at you.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"If_any_of_them_work_in_government_jobs_or_have_regular_salaries_they_might_face_problems_too\"><\/span><span style=\"font-weight: 400;\">If any of them work in government jobs or have regular salaries, they might face problems too.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"Cant_I_Just_Send_the_Cash_Abroad_Using_Hawala\"><\/span><span style=\"font-weight: 400;\">Can\u2019t I Just Send the Cash Abroad Using Hawala?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"No_Just_dont\"><\/span><span style=\"font-weight: 400;\">No. Just don\u2019t.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"Hawala_is_illegal_Its_not_a_clever_trick_Its_a_crime\"><\/span><span style=\"font-weight: 400;\">Hawala is illegal. It\u2019s not a clever trick. It\u2019s a crime.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"You_might_think_youre_saving_money_but_youre_risking\"><\/span><span style=\"font-weight: 400;\">You might think you\u2019re saving money, but you\u2019re risking:<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Legal_trouble\"><\/span><span style=\"font-weight: 400;\">Legal trouble<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Financial_penalties\"><\/span><span style=\"font-weight: 400;\">Financial penalties<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Losing_your_peace_of_mind\"><\/span><span style=\"font-weight: 400;\">Losing your peace of mind<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<h4><span class=\"ez-toc-section\" id=\"Its_simply_not_worth_it\"><\/span><span style=\"font-weight: 400;\">It\u2019s simply not worth it.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h3><span class=\"ez-toc-section\" id=\"How_to_Handle_Buyers_Who_Want_to_Pay_in_Cash\"><\/span><b>How to Handle Buyers Who Want to Pay in Cash<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h4><span class=\"ez-toc-section\" id=\"So_what_do_you_do_if_a_buyer_insists_on_a_cash_deal\"><\/span><span style=\"font-weight: 400;\">So what do you do if a buyer insists on a cash deal?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"Heres_how_you_can_deal_with_it_smartly\"><\/span><span style=\"font-weight: 400;\">Here\u2019s how you can deal with it smartly.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"1_Explain_the_Risk_to_Them\"><\/span><b>1. Explain the Risk to Them<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"Tell_the_buyer\"><\/span><span style=\"font-weight: 400;\">Tell the buyer:<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"%E2%80%9CIf_you_save_7_on_stamp_duty_today_your_registered_purchase_price_will_be_lower_When_you_sell_the_property_later_your_capital_gain_will_appear_higher%E2%80%94and_youll_pay_more_tax%E2%80%9D\"><\/span><span style=\"font-weight: 400;\">\u201cIf you save 7% on stamp duty today, your registered purchase price will be lower. When you sell the property later, your capital gain will appear higher\u2014and you&#8217;ll pay more tax.\u201d<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"Example\"><\/span><span style=\"font-weight: 400;\">Example:<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Buyer_pays_%E2%82%B915_crores_but_only_shows_%E2%82%B91_crore_in_the_sale_deed\"><\/span><span style=\"font-weight: 400;\">Buyer pays \u20b91.5 crores, but only shows \u20b91 crore in the sale deed.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Later_sells_for_%E2%82%B92_crores\"><\/span><span style=\"font-weight: 400;\">Later sells for \u20b92 crores.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Now_they_pay_tax_on_a_%E2%82%B91_crore_profit_instead_of_%E2%82%B950_lakhs\"><\/span><span style=\"font-weight: 400;\">Now they pay tax on a \u20b91 crore profit instead of \u20b950 lakhs.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<h4><span class=\"ez-toc-section\" id=\"So_saving_7_now_might_cost_them_125_or_more_later\"><\/span><span style=\"font-weight: 400;\">So, saving 7% now might cost them 12.5% or more later.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"2_Offer_a_Middle_Ground\"><\/span><b>2. Offer a Middle Ground<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"Still_facing_pressure\"><\/span><span style=\"font-weight: 400;\">Still facing pressure?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"Try_this\"><\/span><span style=\"font-weight: 400;\">Try this:<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"%E2%80%9CYoure_saving_%E2%82%B935_lakhs_on_stamp_duty_Ill_cover_half%E2%80%94%E2%82%B9175_lakhs%E2%80%94to_keep_everything_legal%E2%80%9D\"><\/span><span style=\"font-weight: 400;\">\u201cYou\u2019re saving \u20b93.5 lakhs on stamp duty. I\u2019ll cover half\u2014\u20b91.75 lakhs\u2014to keep everything legal.\u201d<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"This_way_they_still_save_some_money_and_you_avoid_all_the_risk\"><\/span><span style=\"font-weight: 400;\">This way, they still save some money, and you avoid all the risk.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><a href=\"https:\/\/aktassociates.com\/nri-lower-tds\/\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-4867 size-full aligncenter\" src=\"https:\/\/aktassociates.com\/blog\/wp-content\/uploads\/2023\/05\/N.png5664.png\" alt=\"Foreign Nationals on Long-Term Visa\" width=\"700\" height=\"150\" srcset=\"https:\/\/aktassociates.com\/blog\/wp-content\/uploads\/2023\/05\/N.png5664.png 700w, https:\/\/aktassociates.com\/blog\/wp-content\/uploads\/2023\/05\/N.png5664-300x64.png 300w\" sizes=\"(max-width: 700px) 100vw, 700px\" \/><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><b>Conclusion:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h4><span class=\"ez-toc-section\" id=\"If_youre_an_NRI_and_someone_offers_property_sale_plus_cash_remember_this\"><\/span><span style=\"font-weight: 400;\">If you\u2019re an NRI and someone offers property sale plus cash, remember this:<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Stay_away_from_cash_deals\"><\/span><span style=\"font-weight: 400;\">Stay away from cash deals.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Use_facts_and_logic_to_convince_the_buyer\"><\/span><span style=\"font-weight: 400;\">Use facts and logic to convince the buyer.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"If_needed_offer_to_share_stamp_duty_savings%E2%80%94but_insist_on_a_100_legal_transaction\"><\/span><span style=\"font-weight: 400;\">If needed, offer to share stamp duty savings\u2014but insist on a 100% legal transaction.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<h4><span class=\"ez-toc-section\" id=\"Its_not_just_about_avoiding_trouble_Its_about_being_able_to_send_your_money_abroad_easily_with_no_stress_or_fear\"><\/span><span style=\"font-weight: 400;\">It\u2019s not just about avoiding trouble. It\u2019s about being able to send your money abroad easily, with no stress or fear.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"Doing_it_the_right_way_protects_your_future_your_family_and_your_peace_of_mind\"><\/span><span style=\"font-weight: 400;\">Doing it the right way protects your future, your family, and your peace of mind.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n","protected":false},"excerpt":{"rendered":"<p>Introduction Are you an NRI (Non-Resident Indian) planning to sell property in India? If yes, there\u2019s a good chance that &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"Should NRIs Accept Cash for Property Sales?\" class=\"read-more button\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/#more-8296\">Read more<span class=\"screen-reader-text\">Should NRIs Accept Cash for Property Sales?<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":8307,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[107],"tags":[1704,1705,1706,1707],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Should NRIs Accept Cash for Property Sales? | AKT Associates<\/title>\n<meta name=\"description\" content=\"Avoid legal and tax trouble in NRI property sale plus cash offers. Learn safe alternatives to cash transactions and protect your funds.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/aktassociates.com\/blog\/should-nris-accept-cash-for-property-sales\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Should NRIs Accept Cash for Property Sales?\" \/>\n<meta property=\"og:description\" content=\"Selling property in India as an NRI? Thinking about accepting cash? It might seem tempting\u2014but the risks are real. 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