> ## Documentation Index
> Fetch the complete documentation index at: https://guides.saber.money/llms.txt
> Use this file to discover all available pages before exploring further.

# Tax Deduction and NRI Flagging

> Set the user-level is_nri flag via PUT /api/v2/user after KYC for non-India residents, driving TDS handling.

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](https://files.readme.io/5697e68c3ce4fd270bf64e01da644eacacb26170b553485c3a7e199d50282483-image.png)

## 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)

```bash theme={null}
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}'
```


## Related topics

- [INR Offramp](/offramp/currencies/inr.md)
- [Available Flows](/offramp/available-flows.md)
- [Get Buy Quote (v1)](/api-reference/onramp/get-buy-quote-v1.md)
- [Get Sell Quote (v1)](/api-reference/offramp/get-sell-quote-v1.md)
- [Fetching Quote](/offramp/operations/quote.md)