Tax Deduction and NRI Flagging

The NRI (Non-Resident Indian) flag is a user-level attribute that helps Saber Money correctly apply operational logic such as TDS handling for third-party INR payouts. This flag must be explicitly set after user onboarding and KYC completion, and only if the user’s KYC country is not India. Decision tree for TDS applicability by NRI status: an NRI sender paying themselves or another NRI is marked NRI with no TDS, while an NRI paying an Indian third party, or any non-NRI sender, has TDS applied

Decision tree for TDS applicability by NRI status: an NRI sender paying themselves or another NRI is marked NRI with no TDS, while an NRI paying an Indian third party, or any non-NRI sender, has TDS applied

When to Flag a User as NRI

Flagging a user as NRI should be done at the appropriate point in the user lifecycle:

Step	Action	is_nri Flag
1	User created	`null` or `false` by default
2	KYC initiated	Cannot flag as NRI
3	KYC completed	Set only after KYC complete
4	If `kyc_country` ≠ India	Set `is_nri = true`
5	If `kyc_country` = India	NRI flagging not allowed

Important Rules:

You cannot flag a user as NRI before KYC is completed.
You cannot flag a user as NRI if their KYC country is India.

How to Flag a User as NRI

Sample Request (cURL)

curl --location --request PUT 'https://api.saber.money/api/v2/user' \
  --header 'X-Timestamp: 1747292173' \
  --header 'X-Api-Key: xxxxx' \
  --header 'X-Signature: xxxxx' \
  --header 'X-Request-Id: 123456789876' \
  --header 'X-User-Id: xxxx' \
  --header 'Content-Type: application/json' \
  --data '{"is_nri": true}'

🔮 Getting Started

⚙️ Setting Up

👤 User Operations

🔒 KYC And bank accounts

💰 OFFRAMP

💲 Onramp

🖥️ Client Functionalities

When to Flag a User as NRI

How to Flag a User as NRI

Sample Request (cURL)

​When to Flag a User as NRI

​How to Flag a User as NRI

​Sample Request (cURL)

When to Flag a User as NRI

How to Flag a User as NRI

Sample Request (cURL)