How much can I send from India to USA in one year?

Up to USD 1 million per Indian financial year from your NRO account, plus unlimited current-income transfers (rent, dividend, interest). Funds in NRE/FCNR accounts are fully repatriable without any cap.

Do I need Form 15CA/15CB for every transfer?

Required for any taxable remittance from NRO above ₹5 lakh in a financial year. Pure NRE transfers and remittance of current income below the threshold are exempt.

Can I avoid 20% TDS on the full property sale value?

Yes — by obtaining a Lower Deduction Certificate (Form 13 under Section 197) before the sale. The TDS then applies on the actual capital gain instead of the gross sale value, freeing up most of the proceeds for immediate repatriation.

How long does the bank wire take to land in the US?

Once Form 15CA + 15CB and the A2/repatriation form are submitted, most banks process the SWIFT wire within 24 hours. The funds typically credit to a US account in 2–4 working days.

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Written for the global Indian. No jargon.

Long-form, footnoted, current. Each article is reviewed by an ICAI-registered CA before publishing.

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